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Life Insurance & Inheritance Tax

Can Life Insurance Help You Cover Inheritance Tax (IHT)?

A whole-of-life insurance policy written in trust could be an effective way to protect your loved ones from a 40% IHT tax bill.
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Life Insurance & Inheritance Tax

Why Life Insurance Matters in IHT Planning

Inheritance tax (IHT) can reduce the value of the estate you leave behind - often by tens or hundreds of thousands. If you want to protect your legacy, life insurance can be a powerful tool.

A whole-of-life policy pays out on death, no matter when it happens, and when written in trust it:
Pays directly to your beneficiaries or estate
Can be used to settle IHT liabilities
Sits outside your taxable estate
Life Insurance & Inheritance Tax

How Whole-of-Life & IHT Works

Let’s say your estate exceeds the IHT threshold by £500,000. Your family could face a £200,000 tax bill. A life insurance policy worth £200,000 written in trust would:

Pay out directly upon death

Be exempt from inheritance tax

Provide a tax-free lump sum to settle the bill

This keeps your estate intact and avoids beneficiaries having to sell property or investments.
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Life Insurance & Inheritance Tax

Life Insurance vs Other IHT Strategies

Unlike gifting or using trusts:
Life insurance is immediate,  no 7-year rule
It’s flexible and scalable to your potential liability
Premiums can often be funded from pension drawdown
It’s not a replacement for estate planning, but it’s a highly effective tool to use alongside it.
Life Insurance & Inheritance Tax

Why You Need Whole-of-Life Advice

To be effective, your whole-of-life policy must:
Be the right type and size
Be written in trust to stay outside your estate
Fit within your overall IHT strategy
Our FCA registered advisers will assess your needs and explain whether this is suitable for your circumstances.
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Life Insurance & Inheritance Tax

Get Expert Advice on Life Insurance for Inheritance Tax (IHT) Planning

Our IHT consultations are free and without obligation. If you decide to proceed with our advisers recommendations, a fee may apply but we’ll always be transparent and discuss any costs with you upfront.
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Inheritance Tax Planning, Estate Planning and Trusts are not regulated by the Financial Conduct Authority.

Tax treatment varies according to individual circumstances and is subject to change.

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Inheritance Tax on Pensions is a trading style of Beals Mortgage and Financial Services Ltd an appointed representative of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Approver Quilter Financial Services Limited August 2025

Registered office address: Unit 1 Fulcrum 2 Solent Way, Whiteley, Fareham, England, PO15 7FN. Registered in England and Wales under reference 08286166

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