What is writing life insurance in trust?
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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.
Last reviewed:
Reviewed by Kaiser Khan
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.
Primary source: gov.uk/life-insurance
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