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Trusts

Protection is all about your clients’ loved ones getting the money at the right time and quickly, when they need it most. Using trusts, they can be sure that the money paid out from their plan is handled exactly as they want, avoiding probate.

Trusts are legal documents which are a great way to make sure the money from a protection policy is given:

  1. to the right people
  2. at the right time
  3. usually without any inheritance tax liability

However, there are different types of trust available and it may not always be clear which should be used or the best way of setting it up. Once you’ve placed your insurance policy in trust you can’t usually change your mind and take it back out of trust later on. It’s important that you make sure our trust deeds are suitable for your client’s circumstances before you decide to use them. If you have any doubt, please speak to a legal specialist.

Our trusts hub is a place where you can read more about the sample trusts we have on offer, how they might be set up and a specialised trust tool to help with the decision-making process and can even create it online.

Trust guidance

Guidance on the trust basics including what trusts are, how they work and how to set one up.

Types of trust

Information on some of the common types of trust we have available, including how they work and what situations they're right for.

Online trusts

Whether your client has a personal or business protection policy, our Online Trust tool can help with choosing and filling in the form when placing into trust.


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Literature

Product and trust documentation in one handy place.

Visit the Literature library

Cog

Online Trusts

Find and complete the right trust form completely online.

Launch Online Trusts

Options

Business protection

Guides and resources to get business protection for your clients.

Visit Business Protection

Calculator

Calculators

A range of online tools to help you set up and build your business.

Visit tools & calcs

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FOR UK FINANCIAL ADVISERS ONLY
LV=, County Gates, Bournemouth, BH1 2NF, UK