Child - Standard Savings Plans

If you want to save more than £25 a month, then one of our Standard Savings Plans could be for you. Our Standard Savings Plans are great for parents or grandparents wanting to invest over the £25 per month Tax Exempt Savings Plan limit. Regular saving is the best way to build a more significant cash sum to help give the children you care for the very best start in life.

To speak to our team call 0161 762 5790

A tax efficient way to save

With a Healthy Investment Standard Savings Plan, any proceeds the child gets on maturity are paid to them free of income tax and capital gains tax, no matter what their tax status is when they receive the proceeds.

Know exactly what they’re going to get

When you take out the policy we’ll tell you the absolute minimum the child will get when the plan matures (as long as you’ve kept up all of your contributions of course). This is called the sum assured.

Become a regular saver

We know it’s not always easy to remember to save and invest, but the Healthy Investment Standard Savings Plan commits you to putting away the same amount of child savings every month for the child - a great way to build their fund gradually.

we give your child regular bonuses
We’ll give the child regular bonuses every year and add them to the value of their policy. Remember once a regular bonus has been added it can never be taken away - and also that the level of the bonus isn’t guaranteed and can change every year. They may also receive a final terminal bonus when the policy matures.
life cover included

Life cover means that the child’s estate will get the guaranteed sum assured on their death, plus any bonuses that have been added, if they die during the term of the plan and all contributions are paid up to date. If you’re paying in more than £25 a month into their plan then we may ask you to answer a few quick medical questions.

choose how long you want to save

Choose how long you want to save for- unlike Child Trust Funds that mature when the child turns 18, with our Standard Savings Plan you can pick when you want them to receive the money, giving you more control over the date they receive their money and allowing you to financially plan for their future. 

standard savings plan

Remember the old children's savings account you had as a kid - and the feeling you had when you enjoyed the cash sum you received when the policy matured? Our Standard Savings Plan for children is the same kind of endowment savings plan you know and love.

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Important Points

Any UK resident can invest in a Healthy Investment Standard Savings Plan providing the plan matures before they are 65.

You might consider this plan if you already have savings in a bank or building society account and you are now looking to put some of your children's savings into an investment which includes life cover, has some risk but potentially higher returns and the proceeds of which are paid tax free.

You might consider this plan if you have already used the friendly society Tax Exempt Savings Plan limit of £25 per month and you want to invest more for the child in to a similar policy.

Save from as little as £10 per month or a maximum of £275 per month (If you are already using your £25 per month Tax Exempt allowance).

You can have their Standard Savings Plan mature on a specific date, or simply select a term between 10-25 years, providing it matures on or after the childs 16th birthday.

Depending on the term you choose you should see this as a medium or long term investment.

Important Documents


"It was very important to me, when deciding where to invest, that Healthy Investment are a mutual friendly society."

David from Ayr

If there's anything
you don't understand,
we're here to help.
Call Jerrol on 0161 762 5790

Alternatively you can
send us a message
using our contact form.

Apply Online

Opening a Healthy Investment Standard Savings Plan is really easy.

If you have any questions now or whilst you are applying just give us a ring or send us a message and we will help you.

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