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


Types of trust

Flexible trust

Provides the flexibility for your client to change the default beneficiaries in the future from a range of potential beneficiaries.

Find out more about flexible trust

Fixed trust

Unlike a flexible trust, this is “fixed” and the beneficiaries can’t be changed at all once it is set up.

Find out more about our fixed trust

Split trust

Used with a life and critical illness policy to allow the life cover to go into trust, while the critical illness cover to be paid to the policy owner.

Can also be used with our Life policies if the settlors wish the terminal illness payment to be paid to them, but on death they want to death benefit to be paid to the beneficiaries.

Find out more about our split trust

Business trust

Used in conjunction with a life or life and critical illness policy to protect a business.

Find out more about business trust

Discretionary trust

Unlike other types of trust, the trustees have discretion over the property placed in trust and can adapt to changing circumstances.

Find out more about discretionary trusts

Speak to our adviser support team for quotes or more information.

0800 678 1890

TextDirect 18001 0800 678 1890

9am - 5.30pm Monday - Friday

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


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