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Whether you choose a Maxi or a Mini ISA in any year is up to you, but remember...
- if you want to invest more than £4,000 in stocks and shares, you must open a Maxi ISA
- if you want different ISA managers for different kinds of saving, you will need Mini ISAs
- always shop around for the arrangement that will give you the best deal or is most convenient.

If you take money out, any that you put back later will count against your ISA annual subscription limit in the year that you re-invest your money.

ISA investments form part of your estate for Inheritance Tax purposes.

ISAs began on 6 April 1999 and will be around until at least 6 April 2010. You can start with small amounts and save up to £7,000 each tax year. A tax year runs from 6 April to 5 April in the following year.

What types of life insurance can be included in the ISA?The ISA can include life insurance policies which are:
-'unit linked' or 'investment linked' policies. This is like a 'pooled' investment such as a unit trust