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If your client gifts assets to loved ones (who aren’t their spouse), there’s a risk they’d leave a large tax bill if they passed away. To make it worse, tax will be collected from the people who received the gift, rather than from the estate. This can be difficult to pay - especially if the gift is something tangible, like a home.
Our Gift Inter Vivos plan offers a lump sum paid on death. It’s aimed at your clients who have gifted assets to someone and want to cover any inheritance tax liability. It should only be used where the value of the gift exceeds the current nil rate band, or where the client has made gifts in the previous 7 years that have already exceeded the nil rate band.
Our cover offers many features, including:
There is no cash value at any time.
Your client can’t change the plan once it’s been issued.
|Years after plan start date||Amount of cover paid|
We’re here for your clients when they need us most. Your clients and their spouse/partner* have access to 6 expert medical advice services – all accessible in a handy app or by phone, wherever they are:
*Spouse, civil partner or person with whom the policyholder lives with as a partner and at the same address.
**The five sessions limit is split between the policyholder/life assured and partner/spouse.
Your clients get more with our Gift Inter Vivos plan. They can get access to exclusive member benefits and additional support services.
We’re proud to have paid 97%** of Life Protection claims in 2022. A successful claim is as important to your client as it is to you - your clients get vital financial help when they need it most and you feel confident in the provider you recommended.
* Includes claims already in payment in 2022 for Income Protection and Personal Sick Pay.
**Our life insurance figures include claims paid for Life Insurance, Terminal Illness, and Whole of life products (including some non-underwritten guaranteed whole of life products). Our whole of life policies are no longer available.
Our expert service saves you time and makes applications hassle-free.
Our dedicated team are on hand to help. We have flexible medical examination arrangements and have no standard exclusions on our Gift Inter Vivos plans – making it easier for you and your clients.
9am - 5pm Mon-Fri
TextDirect: first dial 18001. We will record or monitor calls for training and audit purposes.