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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My fiancée and I were recommended to LDN Finance when we started our mortgage journey, and the service we have received, and continue to receive, has been outstanding throughout. Phil Levesley initially looked after us and made what can be a very daunting process feel straightforward and easy to understand. He took the time to explain everything clearly, never rushed us, and was always happy to answer any questions we had. Nothing ever felt like too much trouble. As part of the process, we also wanted to explore a number of protection policies, and Phil introduced us to his colleague,
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Owen was absolutely amazing and supported me every step of the way throughout the mortgage process. He was always clear, patient, and incredibly reassuring, making what could have been a stressful experience feel smooth and manageable. Bharathy was also really helpful, promptly getting in touch and making sure all the relevant information was handled efficiently. I couldn’t be happier with the service and would highly recommend them both. Five stars without hesitation.
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Get in touch
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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