How Trusts and Protection Planning Saved £1.6m in Inheritance Tax

For families with estates worth several million, IHT planning is a necessity. Without it, 40% of wealth above the nil-rate band may go straight to HMRC.

Case Study

A couple with £5 million in assets (property, investments, art) faced a potential £1.6 million IHT bill. Through a combination of trust structures and life cover, we ensured their heirs would receive the full estate.

The Results

Secured £1.6 million in tax savings

Preserved assets across generations

Delivered peace of mind that their legacy would pass as intended

Why It Matters

Legacy planning is more than numbers — it’s about securing family wealth and values for the future.

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