Navigating Inheritance Tax: Gift Inter Vivos & Trust Structures
Expert Insights on Inheritance Tax Planning & Gift Inter Vivos Cover
In this video, Holly Hill, Associate Director at John Lamb Hill Oldridge, discusses the growing importance of “gift inter vivos” cover for individuals making significant financial gifts.
With upcoming financial shifts, strategic planning is essential to protect wealth across generations. Key topics covered in this video include:
Upcoming Legislation: A surge in generational wealth transfers is occurring ahead of the November 2025 budget and the April 2026 changes to APR (Agricultural Property Relief) and BPR (Business Property Relief) legislation.
Inheritance Tax Protection: Strategies to ensure significant assets remain protected from Inheritance Tax during the standard seven-year tail period.
Cost-Saving Strategies: How having a younger and fitter spouse makes a gift can drastically reduce life insurance costs, saving clients tens of thousands of pounds.
Trust Structures: The use of trust structures to guarantee that insurance premiums are securely managed and consistently paid over the seven-year term.
Other Insights
Jacob Fay featured in CityWealth Leaders List Interview
We are proud to share that Jacob Fay, Associate at John Lamb Hill Oldridge, has been featured in CityWealth’s Leaders List interview this week. In the piece, Jacob shares insights into his work advising high-net-worth [...]
Alex Gibson-Watt and Paula Steele interviewed by FT Adviser on the role of specialist protection advisers for HNW and UHNW clients
With inheritance tax changes now being discussed in national news, more IFAs are looking to John Lamb Hill Oldridge for support with protecting their clients’ estates. In a recent interview with FT Adviser, Directors Paula [...]
‘Advising UHNW clients on life insurance and estate liquidity’ by Jacob Fay, published in IFA magazine
Advisors working with high-net-worth and ultra-high-net-worth clients in the UK are operating in an increasingly complex environment when it comes to estate planning. A central concern is how to manage substantial inheritance tax (IHT) exposure [...]