personal Protection
The inheritance tax challenge
Inheritance tax can create timing pressures for families. The tax is often due quickly, while much of an estate may be tied up in property or investments that cannot be accessed straight away. Life insurance can help by providing funds at the right time, supporting your estate strategy and giving your family more clarity and confidence.
Life insurance can be used to create a lump sum that is paid quickly on death, often before probate is granted. This can help cover inheritance tax liabilities, support planned gifting, and ensure your estate passes to your beneficiaries as intended.
The approach that is right for you depends on your circumstances, including whether you expect to make gifts during your lifetime.
Below are two options commonly used in inheritance tax planning.
Summary comparison
Two approaches that support inheritance tax planning in different ways:
Guaranteed payout
Simple and predictable
Higher long-term cost
Works well when no gifting is planned
Moves to tapering cover if a gift is made
Significant long-term savings
Works well for clients who may gift
faq’s
Your plan can be adjusted. We will help ensure your cover remains aligned with your intentions.
You can stay on reviewable cover or switch to guaranteed cover later. We will guide you through the best option.
A trust allows the proceeds to be paid quickly and outside of your estate, helping to avoid delays linked to probate.
We monitor legislation and will review your arrangements with you if updates become necessary.
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If you would like personalised illustrations or want to explore how life insurance can support your estate planning, our team would be happy to help.
Prefer to chat? Call us on 020 3903 9875
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