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
Ken Maxwell shares his insights on why younger generations remain under-protected and why the conversation needs to change in IFA magazine
Ken Maxwell, Director at John Lamb Hill Oldridge, has been featured in two recent IFA Magazine publications exploring why younger generations remain under-protected and how advisers can help change the conversation. Alongside contributing to an [...]
Video interview: “Whole-of-life is only to ‘protect the assets you’ll die living in and living off’” published by FT Adviser
Holly Hill, Director at John Lamb Hill Oldridge, recently spoke with Sonia Rach at the FT Adviser about the role of life insurance in inheritance tax planning for high-net-worth and ultra-high-net-worth clients. In the interview, [...]
Navigating IHT Changes for Non-Doms, APR/BPR, & Pensions
Recent years have introduced new complexities and challenges regarding how individuals protect their estates.