Life Insurance in Trust

Afternoon Gaynor, there are many different types of trust available and different types of life assurance policies too, most will have some form of inheritance tax benefit and if you die then the death benefit paid will not form part of your estate and will also be pass the probate procedures so therefore being paid out more quickly. Generally with insurance policies without an investment element a flexible trust will do, with policies such as endowments where there is an investment element different types of trust can be more appropriate as you may need access to the money at some stage. Hopefully this help, but please let me know if you have any more questions, Steve I am an Independent Financial Adviser.

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