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Life Assurance Trust

A very small minority of life assurance policies are written in trust which is amazing given their benefits and that we can set these up free of charge and there are no additional costs.

The main benefits are...

  • Direct payouts - when a life assurance policy is written in trust the insurance company will payout direct to the beneficiaries named in the trust policy, avoiding delays in funds getting to your loved ones.
  • No inheritance tax - a fact not appreciated by many is that the funds then never form part of your estate and are completely free of inheritance tax. So depending on your estate this can avoid up to 40% of the payout being taken by the Taxman!

Given the benefits and that we will do all the paperwork for you free of charge, we strongly recommend using life assurance trusts.

The Financial Conduct Authority do not regulate tax and trust planning.

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