Make sure what you’ve built ends up where it should - in the hands of the people you love, not the taxman.
Think of it as a tax-smart Life Insurance policy.
It’s cover designed to help your loved ones deal with Inheritance Tax, by paying out a lump sum that isn’t eaten up by the taxman.
It’s not just for millionaires.
IHT can take 40% of anything over the threshold - which means even a modest estate could come with a nasty surprise for your family.
A simple step that makes a big difference.
Putting your policy in Trust keeps it out of your taxable estate - so the full payout goes straight to your loved ones, quickly and tax-free.
Spoiler: probably more than you think.
It’s not just savings. Your home, Life Cover, business shares and even pensions could count toward your estate’s value.
And how a Trust helps speed it up.
Probate can take months, delaying access to Life Insurance payouts when families need them most. But a policy placed in Trust avoids that bottleneck - letting funds go straight to loved ones, quickly and tax-free.
Before it becomes someone else’s problem.
Legacy Cover helps turn what could be a messy, delayed, and costly process into something clear, simple, and stress-free for your family. It’s not just smart planning - it’s a genuine act of care.
Life Insurance for Inheritance Tax planning isn’t just about passing on money - it’s about protecting the future you worked hard to build, and helping your family receive more of what you intended to leave behind.
More than 27,000 estates paid IHT in 2023, often reducing what loved ones received
(Gov.uk)
More than 50% of estates experience delays in accessing funds due to probate, often creating financial strain at an already difficult time.
(Step.org, 2023)
The average probate process in the UK can take 9 months or more - and that’s without any disputes or complications.
(Gov.uk, 2024)
Trusts allow Life Insurance payouts to bypass probate entirely, getting funds to beneficiaries in as little as 2-4 weeks.
(MoneyHelper, 2023)
If you own a home or have Life Insurance, you might be surprised how quickly your estate adds up. A well-structured policy, placed in Trust, could help your family avoid hefty IHT charges, get faster access to funds, and keep your final gift exactly that - a gift, not a tax trap.
(Waddle Insights)
HMRC collected more from IHT last year than ever before, £8.2 billion - and it’s set to rise unless planning steps are taken early.
(Saga, 2025)
The UK Inheritance Tax rate sits at 40% above the £325,000 threshold
(Gov.uk)
On average, estates paying Inheritance Tax in 2021-22 had a bill of £215,000 - up slightly from £214,000 in 2020-21.
(Gov.uk)
The number of probate cases in England and Wales that took over a year to be granted has surged by 65% in the last three years - a sign of rising delays that can trap family funds for months
(Quilter)
More than 27,000 estates paid IHT in 2023, often reducing what loved ones received
(Gov.uk)
More than 50% of estates experience delays in accessing funds due to probate, often creating financial strain at an already difficult time.
(Step.org, 2023)
The average probate process in the UK can take 9 months or more - and that’s without any disputes or complications.
(Gov.uk, 2024)
Trusts allow Life Insurance payouts to bypass probate entirely, getting funds to beneficiaries in as little as 2-4 weeks.
(MoneyHelper, 2023)
If you own a home or have Life Insurance, you might be surprised how quickly your estate adds up. A well-structured policy, placed in Trust, could help your family avoid hefty IHT charges, get faster access to funds, and keep your final gift exactly that - a gift, not a tax trap.
(Waddle Insights)
HMRC collected more from IHT last year than ever before, £8.2 billion - and it’s set to rise unless planning steps are taken early.
(Saga, 2025)
The UK Inheritance Tax rate sits at 40% above the £325,000 threshold
(Gov.uk)
On average, estates paying Inheritance Tax in 2021-22 had a bill of £215,000 - up slightly from £214,000 in 2020-21.
(Gov.uk)
The number of probate cases in England and Wales that took over a year to be granted has surged by 65% in the last three years - a sign of rising delays that can trap family funds for months
(Quilter)
Trustworthy, friendly, and genuinely helpful - not your average insurance firm.
Big love to Lilly for helping with the document pack. I’m terrible with forms but she broke everything down and made it all so smooth. Waddle are lucky to have her!
I run a small business and needed key person cover. Waddle walked me through everything - top-notch service.
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