Whole of life

Whole of Life Insurance provides a guaranteed payout upon death, offering a simple yet powerful solution to cover IHT liabilities. When structured correctly—such as being held in trust—it falls outside the taxable estate, preventing it from being subject to IHT at 40%.

• IHT Efficiency – When written in trust, the proceeds are excluded from the taxable estate.

• Liquidity for Beneficiaries – Provides immediate access to funds, preventing financial strain on heirs.

• Certainty & Peace of Mind – Unlike term insurance, Whole of Life Insurance is designed to pay out whenever death occurs, ensuring long-term protection.

For individuals with substantial estates, Whole of Life Insurance is a proven method to reduce the financial impact of IHT. If you’d like to explore how this strategy can be tailored to your specific needs, feel free to get in touch.