Insurance
Policies in Trust
One of the most overlooked steps in financial planning. Placing your life insurance policy in trust takes minutes — and can save your family months of waiting for probate, as well as a significant inheritance tax bill. We make it simple.
Already have a policy?
If you have an existing life insurance or critical illness policy that is not already in trust, speak to one of our advisers. We can help you put it in trust at no additional cost — it is one of the most impactful things you can do for your family.
Why it matters
The benefits of writing a policy in trust
Avoids Probate
Assets placed in trust are not part of your estate, meaning the payout can be made to your beneficiaries much faster — without waiting for probate.
Reduces Inheritance Tax
By placing a policy in trust, the sum assured falls outside of your estate, potentially saving your family thousands in inheritance tax.
Controls Who Benefits
A trust lets you specify exactly who receives the payout and in what proportions — giving you full control over how your loved ones are provided for.
Does Not Affect the Policy
Placing your policy in trust does not change the level of cover, the premiums you pay, or the conditions under which it pays out.
Relevant for Most People
Anyone with a life insurance policy should consider placing it in trust — it is a simple step that can make a significant difference to your family.
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