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Protection Trusts.
Security.
Help your clients to protect their dependants.
At a Glance
What Is It?
Placing their protection policy in trust can help your clients to financially protect their dependants or help with estate planning.
A trust allows your clients to give away the policy proceeds for the benefit of the others (the beneficiaries). A trust allows them to do this without giving the beneficiaries full control or access to the proceeds. The trust assets (or policy proceeds) will be looked after and controlled by trustees chosen by your client.
Consider if your clients:
Your clients
- Want the policy proceeds to be paid to the beneficiaries they choose, without delay or having to go through probate.
- Have concerns about the potential IHT liability on their estate. If a life policy is placed in trust, the proceeds do not form part of their estate and so may not be liable for IHT.
- Have concerns about the impact of an IHT liability on their dependants. If the life policy is placed in trust, the proceeds paid out on your client’s death could be used to pay towards any IHT liability on the deceased’s estate.
- Are share-holding directors or partners in a business, and want to ensure business continuity in the event of the death of another share-holding director or partner.
Find out more about our protection trusts
Find out more about our business protection trusts
Why choose us?
We’ll show you how to submit an online application, plus we’ve got the tools to help you work out the right amount of cover for your clients.
Point of sale decisions going up.
OLP Connect is now simpler, faster and easier to use. With fewer underwriting referrals and a faster underwriting journey you’ll get more point of sale decisions for your clients.
Our Critical Illness Cover and Income Protection Benefit plans can help protect your client's quality of life. Visit the Critical Illness website and Income Protection Benefit website to understand why you should consider our cover.
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Need more information?
0845 273 0010
Monday to Friday 9.00am to 5.00pm.
We may record and monitor calls. Call charges will vary.
Please send completed Trust Forms to: Trust Team, City Park,
The Droveway, Hove, East Sussex, BN3 7PY
Key documents
PDF: 125KB
PDF: 221KB
PDF: 391KB
PDF: 190KB
PDF: 557KB
PDF: 189KB
PDF: 418KB
PDF: 188KB
PDF: 716KB
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IHT questions?
Find out about our IHT proposition.
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Technical centre
Tools and calculators
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