Life Insurance Policies Written in Trust
A powerful way to protect your loved ones and reduce Inheritance Tax.
Placing a life insurance policy in trust ensures the payout goes directly to your chosen beneficiaries, outside of your estate, helping to reduce your Inheritance Tax liability.
- Expert Advice
- Tailored Solutions
- Tax-Efficient
- Peace of Mind
Why Use Life Insurance Written in Trust?
Reduces IHT Liability
The policy payout is not included in your estate, helping to reduce Inheritance Tax.
Protects Your Loved Ones
Provides your beneficiaries with a financial safety net when they need it most.
Immediate Payout
Avoids delays — the payout goes directly to beneficiaries, not through probate.
Outside of Your Estate
When written in trust, the policy proceeds are held outside of your estate.
Complete Peace of Mind
Knowing your family are protected and your wishes will be followed.
How Life Insurance in Trust Works
- We assess your needs and IHT planning goals
- We recommend the right type and level of cover
- The policy is written in trust for your chosen beneficiaries
- You keep up to date with premiums
- The payout is made directly to your beneficiaries, tax-efficiently
Who Is It Suitable For?
Life insurance written in trust can be an effective solution for:
Individuals with Significant Assets
Help protect your estate and reduce IHT.
Parents & Grandparents
Ensure financial security for your children or grandchildren.
Business Owners
Protect your business and ensure continuity for your loved ones.
Property Owners
Help cover IHT on property portfolios or second homes.
Our Life Insurance in Trust Services
Expert advice and ongoing support every step of the way.
Needs Assessment
We assess your circumstances and IHT objectives.
Policy Recommendation
We recommend the most suitable policy and level of cover.
Trust Setup
We help establish the trust to keep the policy outside your estate.
Policy Management
We provide ongoing support to keep your policy on track.
Review & Adjust
We regularly review your policy and make sure it still meets your needs.
Claims Support
We guide your beneficiaries through the claims process.
How We Work
Our Proven Approach
Policy Review
We assess your existing cover and identify the most appropriate trust.
Trust Design
We design a trust that matches your family situation and intentions.
Documentation
We prepare and witness the trust deed and notify the insurer.
Ongoing Review
We review the arrangement as your family and the rules evolve.
Get Expert Advice Today
Speak to our Inheritance Tax specialists about life insurance policies written in trust and how they can help your family.
- 01329 550190
- admin@telmarestateplanning.co.uk
- 9 Pier Street, Lee-on-the-Solent, Hampshire, PO13 9LD
Frequently Asked Questions
Your Questions, Answered
Ready to Protect Your Future?
Book a consultation today and take the first step towards peace of mind for you and your family.