Gift Cover

Significant lifetime gifts can form part of wider estate planning strategies. However, gifts that fall within the seven-year potentially exempt transfer period may give rise to inheritance tax exposure if death occurs during that time.

John Lamb Hill Oldridge advises on the structure and placement of Gift Inter Vivos insurance arrangements, designed to provide cover during the relevant period.

Policies are structured to reflect individual circumstances and are typically written in trust to ensure proceeds fall outside the estate and can be applied efficiently. Advice is integrated with wider estate planning arrangements and delivered alongside other professional advisers where appropriate.