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.
Probate can delay access to your Life Insurance payout by weeks or even months - and during that time, your loved ones might be stuck handling bills and final expenses. Putting your policy in Trust gets the money to them faster, tax-free, and with far less stress.
Speed Up the Payout 💸
Once you’ve hit the threshold, Inheritance Tax can claim 40% of what you leave behind. With the right policy in Trust, that money can go where you want it - not to HMRC’s pocket. We’ll help you plan it smartly and simply.
Leave More, Worry Less 🧘♂️
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)
If you’re a business owner, your estate might include company shares, commercial property, or large cash reserves - all potentially taxable. The right cover can help ensure your life’s work is passed on cleanly, without unexpected tax bills.
Protect Your Business Legacy 👔
The standard allowance is £325,000, or up to £500,000 if you’re passing your main home to children or grandchildren. Everything above that could be taxed at 40%.
A Trust keeps your policy payout outside your estate - meaning no Inheritance Tax, no probate delays, and faster access for your loved ones when they need it most.
Nope. House prices alone can push people over the IHT threshold. It’s often “normal” families who end up paying big tax bills, without realising it until it’s too late.
Most policies can be updated if your circumstances change. But the earlier you plan, the cheaper and easier it usually is to get cover in place.
Until probate is granted, banks and insurers can’t release money from the estate - even if it’s urgently needed. It’s a legal process that can drag on for months, especially if there’s no will or family disputes arise.
A Life Policy in Trust sits outside your estate - so the payout doesn’t need to go through probate. It goes straight to the named Trustees, who can get it to your loved ones fast. No courts, no red tape, no delays.
You can if it includes some Fleetwood Mac, Queen and 1D, but if you also want to leave behind some peace of mind (and not a pile of paperwork and tax forms), legacy cover can be the difference between a gift and a burden.
Already have protection in place? We believe your cover should grow with you. Our friendly Policy Check reviews what you have, highlights strengths and gaps, and gives honest, expert advice to keep your cover working its best for you.
