Escalator Plus

Guaranteed Investment Plan


Key Features

Principal Protection guarantee to protect and potentially grow your investments


Step-up Benefit to lock in any increases in your Plan Value on a monthly basis


Opportunity to invest in a wide variety of equity and bond funds from world class investment advisors, as well as guaranteed fixed interest rate accounts


3, 5 and 10 year options available, with different guaranteed minimum outcomes


Wealth Transfer Benefit for you and your family


Liquidity options, including a 10% one-time free withdrawal


Bermuda Trust participation and Segregated Account Structure


Strong Guarantee
The principal Protection Guarantee also provides an additional layer of protection through the protection contract PB Investment Holdings Ltd. holds with a highly rated global bank.



Minimum Guarantees & Initial Allocation


Investment Requirements

  • Minimum Investment: US$ 100,000
  • Minimum Additions: US$ 50,000
  • Issue ages: 0-85
  • Maximum: US$ 3,000,000, which may be exceeded with PB Investment Holdings Ltd. approval*
  • *Maximum plan size for issue ages between 76 and 85 years equals US$ 1,000,000 without PB Investment Holdings Ltd. approval.

Liquidity Options

One-Time Free Withdrawal:
After the third plan anniversary, Plan holders are able to withdraw up to 10% of their Plan Value on a one-time basis without paying a Redemption Charge. This One-Time Free Withdrawal will generate a proportional reduction in their Principal Protected Guarantee amount.

Excess Withdrawal:
Plan holders always have full access to their Plan Value, subject to the following declining
scale of Redemption Charges:

Excess Withdrawal


Monthly Step-Up Benefit

Automatically lock-in every month any increases in your Plan Value. As a result, your Guarantee will continue to increase if your Plan Value increases. This benefit is only available for the 5 and 10-Year Plans.

Monthly Step-Up Benefit

Wealth Transfer Benefit

This benefit will be offered to a surviving Beneficiary upon the death of the investor. The benefit will be an option of:
Continuing the plan “as is” OR
A lump-sum payment comprised of the greater of:

Wealth Transfer Benefit


PB Investment Holdings Ltd.’s plans are issued to a trust located in Bermuda. The trustee establishes sub-trusts for each eligible investor and investments are made by the trustee for the investors’ benefit. Each sub-trust is fully segregated from other investors and other PB Investment Holdings liabilities. The custodian is HSBC Bermuda Limited and the trustee is Estera Services (Bermuda) Limited (formerly Appleby Services).




Bermuda is one of the largest insurance centers in the world (after London and New York). Bermuda offers impeccable financial security. Political and economic stability are the hallmarks of Bermuda’s international business industry.



Please review the following Disclaimer and click “Accept” to continue. Thank you.

PB Investment Holdings Ltd. products are not offered or available for sale in the United States or to United States citizens or to residents of Bermuda. These products do not constitute an offer or solicitation to anyone in any jurisdiction in which an offer is not authorized, or to any persons to whom it is unlawful to make such an offer or solicitation. The PB Investment Holdings Ltd. link above and the website linked thereto is exclusively intended for persons who reside outside of the United States and using it means you agree to the "Terms and Conditions for Use of this Website" as described on the PB Investment Holdings Ltd. website.

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