So, you’ve put life insurance in place to protect your loved ones. That’s enough isn’t in?

No, unfortunately it isn't. 

If your policy isn’t written into trust your family could lose thousands in tax and solicitors fees, and they could have to wait months if not years to receive their money.

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Each year the government makes over £650m in inheritance tax from life insurance policies they are not written in trust.

Thousands of thoughtful people have life insurance policies in place to provide for their families with a lump sum should the unthinkable happen.
With Life Insurance companies eager to obtain your business, they quite often overlook this most valuable piece of advice.
Without a trust element, someone dies and the life insurance policy pays into their estate instead, which means it must go through the Will (or the laws of intestacy if no Will) and that means being held up with the probate process.
Probate takes on average 6-12 months to complete (longer in some cases). Solicitors and banks charge between 2-4% of the value of estate to administer probate, which means less money for the family at a difficult time.
A policy paying into someone’s estate also means being calculated for Inheritance Tax, which could mean families losing 40% of the policy value.
The money is an estate asset and could be used to pay off liabilities and debt of the deceased, leaving loved ones with far less money.

To save your family time and money, complete this form for free advice

  • Families retain 100% of the lump sum
  • Faster access to money – loved ones receiving much needed money within days rather months or years
  • Prevent 40% of the pay out going to the government rather than the intended beneficiaries.

The steps you need to take must be done whilst you are in good mental health so act NOW and secure your protection whilst you can.

Are you eligible for this offer?

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In just a few seconds you could be on your way to great peace of mind and financial security for you and your family.

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