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Trustbuilder disclaimer

Welcome to the LV= Trustbuilder – our simple solution to putting your personal protection policies into trust.

By setting up a trust you can be certain that, if you die during the term of your life cover, it will quickly be paid to the people who need it. Your life cover won’t normally be included in your estate for inheritance tax purposes.

We’ll ask you a few questions about your circumstances, and who you want your life cover to be paid to if you die. Your answers will help determine which of the trusts we offer (the fixed trust or the flexible trust) best matches your circumstances.

You’ll complete the form online, and get a completed trust deed to print out. You and the trustees will need to sign the document, and have your signatures witnessed by an independent third party. All you need to do then is send it in to us, so that we can update our records..

You shouldn’t use our Trustbuilder if you have a complex family life. Our fixed trust and flexible trust are both basic forms of trust, for use with life cover policies only. It’s up to you to decide if the trust selected by the LV= Trustbuilder is right for you. If you need advice on the type of trust that’s right for you, how best to set it up or the tax implications of doing so, you should speak to your solicitor or you can call us on 0800 678 1906. For TextDirect dial 18001 first.

Please note if you have a life cover policy, and also have a waiver of premium policy – then it’s only the life policy that can be placed in trust. Waiver of premium policies can’t be placed in trust.

I have read the Trustbuilder information and I agree that it’s up to me to decide if the trust selected is suitable. I am aware that if I’m in any doubt at all that I should seek financial advice

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Understand life cover

We've created lots of useful information to guide you through the process of finding which life insurance product is right for you.

Find out more about life cover

Why choose LV=

An insurance provider you can trust established in 1843.

  • 97% of claims paid in 2016
  • UK's largest friendly society

Policy documents

  • Policy summary
  • Policy conditions

View policy documents


From what's covered, ways to get set up or even how to claim, our library of FAQs can help.

View our Life Insurance FAQs