LV= uses cookies to give you the best experience online and to provide anonymised, aggregated site usage data. You can find out what cookies we use and how you can disable them in our Cookie Policy. By continuing to use our website, you agree to our use of cookies in accordance with our cookie policy unless you have disabled them.

skip to main content

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.

0800 678 1890

TextDirect: first dial 18001

8.30am - 6.30pm Monday - Friday

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


Image alt text

Need more cover?

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

View our Flexible Protection Plan

Image alt text


View the trust options we offer and use our Trustbuilder to find the one most suited to your client's needs.

More about our trusts

Image alt text

Member benefits

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

More about our member benefits

Image alt text

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

About protection

Vimeo logoLinkedIn company logoTwitter icon showing a bluebird

LV=, County Gates, Bournemouth, BH1 2NF, UK