# What is writing life insurance in trust?

> Quick answer · Last updated 4 July 2026

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## In short

Putting your life policy in trust so the payout goes directly to named beneficiaries, usually outside your estate for Inheritance Tax and often faster than waiting for probate.

Most insurers provide free trust forms at setup. You appoint trustees to administer the payout.

Important if cover is meant for dependants rather than your estate.

See IHT planning basics if estate size is a concern.

## Related

- [Compare life insurance](https://moneyguide.org.uk/insurance/compare-life-insurance-guide/)
- [IHT planning basics](https://moneyguide.org.uk/family-life/iht-planning-basics/)

## Primary source

gov.uk/life-insurance

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.