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

Gift Inter Vivos

Gift Inter Vivos at a glance

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 somewhat 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.

Product features


Type of benefit

Lump sum


7 years

Minimum age at entry


Maximum age at entry


Maximum age at end of plan term


Minimum premium

£7 a month

Other eligibility criteria to take out a plan

Applicant must be a UK resident

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