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Give your clients peace of mind on any gifts they give their loved ones.

Gift Inter Vivos

Gift Inter Vivos

If your client gifts assets away to loved ones other than spouses, there’s a risk that if they were to die they’d leave behind a large tax bill.

To make it worse, the tax man will be collecting from the people who received the gift rather than from the estate. This can be difficult to pay, especially if it’s something tangible like a home.

Our Gift Inter Vivos plan offers a lump sum payout on death, matching the liability on any gifts which the HMRC would consider a potentially exempt transfer over the nil rate band for Inheritance Tax.

Cover features

  • Premiums start from £7 a month or £84 a year
  • A choice of a one off payment, or a choice of weekly, monthly or yearly premiums
  • Decreasing over 7 years
  • Guaranteed premiums

Important information

  • There is no cash in value at any time
  • If your client stops paying their premiums, their cover may end
  • After the plan has been issued, your client can't change it.
  • We won't pay a claim if your client dies as a result of intentionally taking their own life in the first 12 months of the policy

The table below shows how the sum we would pay out on death goes down over the term of the plan in line with inheritance tax liability.

Years after plan start date

Amount of cover paid













How to buy

Find out if your client is eligible

To get a quote for Gift Inter Vivos please call us on 0800 6781 890 or email us on [email protected]. We’re open Monday to Friday from 9am to 5.30pm Monday to Friday.

Product profile

A summary of the relevant product information about Gift Inter Vivos, in accordance with the Insurance Distribution Directive.

0800 678 1890

TextDirect: first dial 18001

9.00am - 4.30pm Monday - Friday

We will record and/or monitor calls for training and audit purposes.


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Need more cover?

Take a look through the other protection products we offer within our Flexible Protection Plan.

View our Flexible Protection Plan

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See our trust options and use our Online Trust tool to find the option most suited to your client's needs.

More about our trusts

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Member benefits

Purchasing a product entitles your client to member benefits such as discounts on other products.

More about our member benefits

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Large case team

If your client's sum insured is over £1m we can offer dedicated support from start to finish.

More about our Large Case Team

Connect with us

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Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK