When written in trust, the payout goes directly to your beneficiaries, bypassing your estate and probate delays.
Here’s how it can work:
✅ Whole of Life cover – pays out whenever you pass away, ensuring funds are available when needed.
✅ Term Assurance – can be used if your expected liability reduces over time (e.g. after gifting).
✅ Written in Trust – ensures proceeds are paid free of IHT and available immediately.
💬 Example:
A couple with a £1.6m estate could face an IHT bill of £240,000.
A joint whole-of-life policy written in trust could settle this instantly, no need to sell property or investments.
Your estate is your legacy.
Make sure your family keeps more of what you’ve built.
If you’d like to understand how protection can be used to cover inheritance tax efficiently, let’s have a chat.
Helping clients protect, grow and pass on their wealth 💼
I am an Independent Financial and Mortgage Adviser and have worked in Financial Services for over 12 years. During my career I gained experience in assisting both individual and corporate clients.…
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