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
Our Evolution: From Generalist IFA to Boutique Life Insurance Specialists
The History and Mission of John Lamb Hill Oldridge
Navigating Inheritance Tax: Gift Inter Vivos & Trust Structures
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.
‘Delaying life insurance is not a neutral decision’ published in FT Adviser
Delaying life insurance planning can lead to higher premiums, reduced insurability, and limited flexibility, particularly where cover is intended to support inheritance tax planning. Acting early can help secure more favourable terms and ensure protection [...]