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Find out about the trusts we offer and how to use them

Trusts

Using a trust with one of our protection policies will make sure that the right people receive the money, at the right time, and usually without 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.

It’s really important that you consider whether our trust deeds are suitable for your client’s circumstances before you decide to use them. If you’re in any doubt, please seek specialised legal advice.

To help you, we have included information and forms for the most common types of trusts. To help you further, if your client has a personal life protection policy with us you can use our online 'Trustbuilder Tool' to help decide on the right type of trust and complete it online.

Only our Fixed and Flexible Trusts are available on our Trustbuilder tool. Also if your clients have a joint life policy and wish to use our trusts with a survivorship option, these aren't currently available on our Trustbuilder tool.

Please note: Our trustbuilder tool should not be used with our Business Protection products. Find out more about the survivorship option.

Trust guidance

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

More on trust guidance

Types of trust

Information on some of the common types of trust available including how they work, what they're appropriate for.

More on types of trust

LV= Trustbuilder tool *

Our Trustbuilder will take you through the process of setting up a fixed or flexible trust for a life protection policy.

More on the LV= trustbuilder

* Please note: Our trustbuilder tool should not be used with our Business Protection products

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IHT planning

Manage your client's inheritance tax by using our trusts.

Find out more about inheritance tax

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Protection toolkit

Let us support your advice with our handy online tools.

Find out more about our Protection Toolkit

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Working with LV=

What you can expect when you work with us.

Find out more about Working with LV=

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Business Protection Specialist Team

Fast track application with our Business Protection Specialist team.

Meet the Business Protection Specialist team

Connect with us

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