Save your loved ones from tax and delays – make sure life assurance works when it matters most
Protect Your Family’s Future: Why Every Life Assurance Plan Should Be Written Into a Trust
80%
of UK life assurance policies NOT in trust
40%
inheritance tax over £325,000 threshold
6-12
months probate can take
FREE
trust setup usually costs
Don’t Let Your Family Pay the Price
Without a trust, your life assurance could be delayed by probate and taxed at 40% above the inheritance tax threshold—exactly when your family needs it most.
What Is a Trust & How Does It Work?
Simple Explanation
A trust is a legal arrangement allowing you to specify who gets your life cover payout and when
How It Works
Trustees (people you choose) manage the payout for your beneficiaries
The Result
Keeps the process simple and safe for your family
Aspect
Inheritance Tax
Probate Delay
Control & Security
Speed of Access
With Trust
Payout is outside estate, not taxed
Bypasses probate (usually weeks)
Specify who gets funds, control timings
Quicker payout for urgent needs
Without Trust
Can be taxed up to 40% above £325,000 NRB
Can take 6-12 months or longer
Follows will, more risk of challenge
Delay may impact mortgage, bills, IHT