Whole of LifePermanent cover written into trust — built for estate planning and the April 2027 pension changes.
How we help
The whole of life story.
Whole of Life insurance pays out whenever you die, not just during a fixed term. Written into trust, the pay-out lands outside your estate — so your family receives it quickly and without eating into what you leave behind. From 6 April 2027, unused pension pots will start counting towards inheritance tax for the first time; for many families this creates a new IHT bill the pension itself was never designed to settle. A Whole of Life policy, properly structured, is one of the cleanest ways to cover that liability — leaving the pension to do what you actually built it for.
- Guaranteed pay-out whenever you die, with level or indexed cover
- Policy written into trust — proceeds sit outside your estate for IHT
- Covers the new inheritance tax liability on pensions from 6 April 2027
- Reviewable or guaranteed premium options to suit long-term budgets
- Reviewed every few years — because the right cover today isn't always the right cover in ten
For whom
When Whole of Life makes sense
Your total estate — home, savings, investments and pension — is likely to exceed the inheritance tax nil-rate bands, especially once pensions join the estate in April 2027.
You have a sizeable pension pot and want it passed on intact, rather than used to settle an IHT bill your family would otherwise have to find in cash.
You're a business owner, landlord or shareholder leaving illiquid assets — company shares, buy-to-let property or land — and want a tax-free lump sum ready for the people inheriting them.
First call to keys
Three steps.
A first chat — no obligation
Tell us your plans in plain English. We'll tell you honestly what's possible — no jargon, no pressure.
Research & recommendation
We search 90+ UK lenders, agree our fee in writing up front, and present the options that genuinely fit.
Application to keys
We handle the paperwork, chase the lender, and keep you updated by phone, email or WhatsApp — your choice.
Talk it through
Talk it through with a human.
A no-pressure chat about your whole of life plans. One honest fee, agreed up front.
Get in touch
