{"id":13194,"date":"2025-02-05T10:07:14","date_gmt":"2025-02-05T15:07:14","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/?p=13194"},"modified":"2026-03-20T13:50:58","modified_gmt":"2026-03-20T13:50:58","slug":"the-benefits-of-life-insurance-for-inheritance-tax-planning","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/the-benefits-of-life-insurance-for-inheritance-tax-planning","title":{"rendered":"The benefits of life insurance for inheritance tax planning"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-well well is-style-b-blue-tint-4\">\n<p>How can I use life insurance to manage my inheritance tax (IHT) liability?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Whole-of-life insurance cover can help reduce some or all of the IHT bill for your beneficiaries<\/li>\n\n\n\n<li>Calculate how much cover is needed and if any existing cover is enough \u2013 interest rates can be pivotal here<\/li>\n\n\n\n<li>For life insurance to not be considered part of an estate it needs to be set up in trust \u2013 this means a beneficiary can use the insurance proceeds to pay the IHT bill<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>IHT is currently the <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/newsroom\/2024-02-05\/rbc-research-reveals-top-financial-concerns-for-wealthy-brits-in-2024\">number one concern for UK high-net-worth individuals<\/a> looking to protect their wealth for future generations, and with defined pension contributions due to be included within a person&#8217;s estate from April 2027, this concern is unlikely to fade in the years to come.<sup>1<\/sup> For many, this will push the value of their estate over \u00a32 million where the additional residence nil rate band for passing down the family home starts to be lost.<\/p>\n\n\n\n<p>According to an <a href=\"https:\/\/ifs.org.uk\/publications\/reforming-inheritance-tax\" target=\"_blank\" rel=\"noreferrer noopener\">Institute of Fiscal Studies <\/a> forecast, by 2032\u20132033, around one-in-eight people (12%) in the UK will have IHT due on either their death or the death of their spouse or civil partner.<\/p>\n\n\n\n<p>While there are ways in which <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/how-can-i-reduce-my-inheritance-tax-bill\">IHT can be managed<\/a> on an ongoing basis, including through spending, gifting or investing in IHT-efficient assets, one of the key approaches being used by high-net-worth individuals is taking out whole-of-life insurance designed to provide the liquidity necessary to fund the anticipated liability.<\/p>\n\n\n\n<p>\u201cLife insurance can be a really important tool in <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/the-role-of-insurance-in-protecting-your-family-wealth-in-the-event-of-illness-or-premature-death\">preserving the value of an estate<\/a>,\u201d says William Sheard, director of Relationship Management at RBC Wealth Management in the British Isles. \u201cTo all intents and purposes, it could be viewed as an investment or alternative asset. Once a policy is in place and premiums are being paid, it will be there until the insured person dies, and the proceeds can cover the IHT bill.\u201d<\/p>\n\n\n\n<p>Without adequate planning, up to 40% of an individual\u2019s estate above the tax-free threshold of \u00a3325,000 will <a href=\"https:\/\/www.gov.uk\/inheritance-tax\" target=\"_blank\" rel=\"noreferrer noopener\">end up payable to HMRC <\/a>. For those with significant estates, that can add up to millions of pounds lost to future generations, but worse still could require a forced sale of assets to generate funds to pay the bill. By providing a means to bear the cost, insurance can help avoid estates being broken up on death and be passed intact to those intended.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-much-life-insurance-cover-does-a-person-need\"><strong>How much life insurance cover does a person need?<\/strong><\/h2>\n\n\n\n<p>The key challenge for anyone looking to use life insurance to cover IHT is working out how much cover to take out in anticipation of an unknown future liability.<\/p>\n\n\n\n<p>\u201cIt\u2019s not an exact science \u2013 our starting point is trying to understand which assets are likely to remain in the estate at death,\u201d explains Nick Ritchie, senior director of Wealth Planning at RBC Wealth Management in the British Isles. \u201cThis typically includes the main residence, art, jewellery and other personal possessions that are illiquid and unlikely to be sold or gifted prior to death.\u201d<\/p>\n\n\n\n<p>A life insurance policy can be taken out to match that anticipated liability with assumptions made about future growth of these assets. It\u2019s essential the policy is set up in trust, so that it stays outside of the estate for IHT purposes. \u201cThe beneficiaries can then use those proceeds to pay the IHT bill immediately rather than selling down other assets or taking on debt to fund it,\u201d says Ritchie.<\/p>\n\n\n\n<p>A key benefit of setting up life insurance in this way is that the return (upon death) is guaranteed, and the premiums are typically fixed. Cover in the multiple millions will come at a cost, with premiums likely to be tens of thousands per year. It\u2019s natural therefore that an individual may ask if life insurance is worth it and whether they would be better off putting the equivalent into some sort of investment or holding as cash savings instead.<\/p>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-well rbc-block-small rbc-block-grey rbc-mid-page-cta has-block-grey-background-color has-background\"><div class=\"\"><div class=\"row \"><div class=\"col-lg-12\">\n<h4 class=\"wp-block-heading cta-title\" id=\"h-build-a-legacy-that-endures\"><strong>Build a legacy that endures<\/strong><\/h4>\n\n\n\n<p class=\"cta-content\">An IHT plan built around your family\u2019s future needs.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<a class=\"wp-block-button rbc-button-no-icon rbc-mid-page-button is-style-secondary rbc-button rbc-button-secondary\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/contact\">Secure your financial future<\/a>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"investing-the-premium-amount-versus-paying-insurance-premiums\"><strong>Investing the premium amount versus paying insurance premiums<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"553\" width=\"1024\" src=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2024\/04\/life-insurance-chart-benefit-of-life-insurance-over-investing.png?w=1024\" alt=\"Chart demonstrating the benefit of life insurance over investing to pay inheritance tax\" class=\"wp-image-13726\" srcset=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2024\/04\/life-insurance-chart-benefit-of-life-insurance-over-investing.png 1380w, https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2024\/04\/life-insurance-chart-benefit-of-life-insurance-over-investing.png?resize=300,162 300w, https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2024\/04\/life-insurance-chart-benefit-of-life-insurance-over-investing.png?resize=768,415 768w, https:\/\/www.rbcwealthmanagement.com\/en-eu\/wp-content\/uploads\/sites\/9\/2024\/04\/life-insurance-chart-benefit-of-life-insurance-over-investing.png?resize=1024,553 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<ul class=\"rbc-legend rbc-legend-inline\">\n          <li class=\"rbc-legend-item\">\n            <div class=\"rbc-legend-line c-dark-blue-tint-1\"><\/div>\n            \u00a310.0m Whole of life\n          <\/li>\n          <li class=\"rbc-legend-item\">\n            <div class=\"rbc-legend-line c-apple\"><\/div>\n            Investing premiums before IHT\n          <\/li>\n<li class=\"rbc-legend-item\">\n            <div class=\"rbc-legend-line c-sun\"><\/div>\n            Investing premiums after IHT\n          <\/li>\n<\/ul>\n\n\n\n<p class=\"is-style-footnote\">Actual investment returns my differ. Whole of life does not have any surrender value and in the event of cancelling the policy before there would not be any refund of premiums paid. Premiums are indicative and are subject to full medical and underwriting. IHT rates are subject to change. Premiums paid where the policy is held in a discretionary trust are chargeable lifetime transfers and may be subject to tax depending on available allowances or excess income.<\/p>\n\n\n\n<p class=\"is-style-disclaimer\">Source \u2013 RBC Wealth Management.<\/p>\n\n\n\n<p class=\"is-style-default\">With \u00a310m of joint insurance cover costing \u00a3156,888 per year, the chart shows the time taken for investing premiums to beat a whole-of-life insurance policy for two 64-year-olds (net tax and charges).<\/p>\n\n\n\n<p>This example is for a joint-life, second-death policy for the aforementioned seniors. Their anticipated IHT liability has been calculated at \u00a310 million, and the life insurance premiums required to cover that bill will be \u00a3156,888 per year.<\/p>\n\n\n\n<p>A calculation by RBC Wealth Management shows that the insurance policy instantly provides a return of \u00a310 million (refer to the dark blue line in the chart). This is then compared with \u00a3156,888 invested each year achieving a 5% annual return (net tax and charges).<\/p>\n\n\n\n<p>Considering an average life expectancy of 88 years, the accumulated investment sum is \u00a36.9 million (refer to the green line in the chart), but this would be subject to IHT; so the final return is \u00a34.2 million after a 40% IHT hit (refer to the orange line in the chart). This compares to \u00a310 million payable under the life insurance policy, which is paid free from IHT where appropriate trust planning has been undertaken.<\/p>\n\n\n\n<p>An individual would have to achieve 5% every year until age 101 before the investment \u2013 net fees, tax and IHT \u2013 matched the payout on the insurance policy.<\/p>\n\n\n\n<p>\u201cThis presents a very compelling picture for the use of life insurance when it comes to funding an IHT liability, as there is a significant return on the premiums committed to a policy\u201d explains Ritchie. \u201cNot only does the policy provide a means to pay the bill, but the beneficiaries of the estate are likely to receive more than they otherwise would have if the equivalent of the premiums was just left to accumulate in the estate.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-role-of-interest-rates\">The role of interest rates<\/h2>\n\n\n\n<p>It\u2019s worth noting that insurance doesn\u2019t exist in a bubble. Just as the interest environment can have an impact on investments, so, too, can it affect insurance premiums. Put simply, when interest rates are higher, whole-life premiums tend to be lower.<\/p>\n\n\n\n<p>This chart shows how, between Jan. 2022 and Jan. 2024, higher interest rates significantly drove down premiums. For \u00a31 million of whole-of-life cover on a joint-life, second-death policy, an average premium for a 50-year-old fell by 36%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-whole-of-life-premiums-have-significantly-improved-since-2022\">Whole-of-life premiums have significantly improved since 2022<\/h3>\n\n\n\n<figure class=\"wp-block-rbcwm-table aligncenter align\"><table class=\"table table-compact table-border-horizontal table-border-vertical table-primary\"><thead><tr><th class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\" scope=\"colgroup\" colspan=\"5\">Cost per year per \u00a31m of cover<\/th><\/tr><tr><th class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\" scope=\"col\">Age<\/th><th class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\" scope=\"col\">Jan. 2022<\/th><th class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\" scope=\"col\">Jan. 2023<\/th><th class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\" scope=\"col\">Jan. 2024<\/th><th class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\" scope=\"col\">% saving Jan. 2022-2024<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">50<\/td><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">\u00a312,885<\/td><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">\u00a310,593<\/td><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">\u00a38,277<\/td><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">36%<\/td><\/tr><tr><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">60<\/td><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">\u00a316,919<\/td><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">\u00a314,021<\/td><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">\u00a312,160<\/td><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">28%<\/td><\/tr><tr><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">70<\/td><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">\u00a324,818<\/td><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">\u00a321,078<\/td><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">\u00a319,959<\/td><td class=\"has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center has-text-align-center\" data-align=\"center\">20%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"is-style-footnote\">All premiums are indicative only and assume standard rates for a client that is a non-smoker. Quotes are subject to full medical and financial underwriting.<\/p>\n\n\n\n<p class=\"is-style-disclaimer\">Source: RBC Wealth Management<\/p>\n\n\n\n<p>\u201cThe improvement in premium pricing following interest rate rises makes it an attractive time to consider the role of insurance as once the premiums are set, they are fixed for the life of the policy and are unlikely to remain as competitive if interest rates decline\u201d says Ritchie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"advantages-of-life-insurance-for-wider-estate-planning\">Advantages of life insurance for wider estate planning<\/h2>\n\n\n\n<p>\u201cWhile the benefits of life insurance in an IHT context are clear, it\u2019s important to view this as part of the bigger estate- and wealth-planning picture,\u201d says Sheard. \u201cFor example, premiums will likely be taken from earnings to begin with, but they may subsequently need to be drawn from pension income, interest and dividends from savings and investments, or potentially from cash.\u201d<\/p>\n\n\n\n<p>The key is to build the ongoing premium into a cashflow model and ensure it can be funded sustainably from whichever sources a person has at their disposal.<\/p>\n\n\n\n<p>It\u2019s also possible that a person plans to use IHT exemptions \u2013 such as gifting \u2013 during their lifetime. Potentially exempt transfers (PETs), for instance, enables someone to make gifts of unlimited value, which will become exempt if they survive for a period of up to seven years after they make the gift.<\/p>\n\n\n\n<p>These need to be given advance thought, however. A Freedom of Information (FOI) request from RBC Brewin Dolphin to HMRC has revealed that in the 2020-21 tax year, 13,380 of these lifetime gifts became subject to IHT when the donor died within the seven-year period. According to the FOI data, the top 50 failed gifts averaged \u00a33.6 million after allowances and exemptions, which would trigger a bill of up to \u00a31.45 million if the PET failed within the first three years. Short-term insurance can be used to cover any IHT arising during the seven years after making the gift protecting against this worst-case scenario.\u00a0<\/p>\n\n\n\n<p>Other estate-planning considerations include having a will in place, putting money into trust for grandchildren and having discussions about <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/passing-the-family-torch-succession-planning-tips-for-family\">family business succession<\/a>. A combination of strategies may be required and should be regularly reviewed to adapt to changing family circumstances and legislative environment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"life-insurance-additional-factors-to-keep-in-mind\">Life insurance: Additional factors to keep in mind<\/h2>\n\n\n\n<p>If an individual is thinking about taking out an insurance policy to cover an IHT liability, there are additional matters to consider.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Life insurance is subject to medical underwriting, so the actual price or premiums will be driven by an individual&#8217;s health and age at the time the policy is taken out<\/li>\n\n\n\n<li>Life policies for individuals are typically more expensive than for joint-life, second-death policies<\/li>\n\n\n\n<li>A person may choose to take out additional life insurance &#8216;term&#8217; policies \u2013 to cover a mortgage, for instance, or any parts of an estate they may gift, spend or restructure at a later date. These term policies have premiums payable until a pre-selected expiry date<\/li>\n\n\n\n<li>Does the individual have a corporate life policy provided by their employer? These would typically be set up on a single-life basis and designed more to replace lost earnings, so they often cannot be relied on to mitigate IHT. They will also usually expire when an individual leaves their place of employment<\/li>\n<\/ul>\n\n\n\t\t<!-- Start of Brightcove Player -->\n\t\t\t\t\t\t<div style=\"display: block; position: relative; min-width: 0px; max-width: 640px;\">\n\t\t\t\t\t<div style=\"padding-top: 56%; \">\n\t\t\t\t\t\t<video-js\n\t\t\t\t\t\t\t\tid=\"6267594827001\"\n\t\t\t\t\t\t\t\tdata-video-id=\"6267594827001\" data-account=\"3187797751001\"\n\t\t\t\t\t\t\t\tdata-player=\"VBE5DE1mC\"\n\t\t\t\t\t\t\t\tdata-usage=\"cms:WordPress:6.9.4:2.8.8:javascript\"\n\t\t\t\t\t\t\t\tdata-embed=\"default\" class=\"video-js\"\n\t\t\t\t\t\t\t\tdata-application-id=\"\"\n\t\t\t\t\t\t\t\tcontrols   \t\t\t\t\t\t\t\tstyle=\"width: 100%; height: 360px; position: absolute; top: 0; bottom: 0; right: 0; left: 0;\">\n\t\t\t\t\t\t<\/video-js>\n\n\t\t\t\t\t\t<script src=\"https:\/\/players.brightcove.net\/3187797751001\/VBE5DE1mC_default\/index.min.js\"><\/script> \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<!-- End of Brightcove Player -->\n\t\t\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>To ensure a person&#8217;s assets pass to future generations in the way they want them to, it helps to get advice regarding all the implications, including navigating the inheritance tax situation.<\/p>\n\n\n\n<p><sup>1<\/sup> Pensions usually fall outside of your estate and they can be passed on to your beneficiaries free from IHT. However, the Chancellor announced in the <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/uk-autumn-budget-2024-what-does-it-mean-for-your-wealth\">2024 Autumn Budget<\/a> that the value of \u201cunused pension funds and death benefits\u201d would be brought into a person\u2019s estate for IHT purposes from April 2027. These proposed changes are subject to legislation. If enacted they&#8217;ll have a significant impact on how pensions are viewed when financial planning.<\/p>\n\n\n\n<p><em>This article was updated in Jan. 2026.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Not only can life insurance help cover a future inheritance tax liability, it can also be viewed as an investment or alternative asset.<\/p>\n","protected":false},"author":15,"featured_media":13730,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"2026-01-08T09:50:53","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[123,108],"tags":[564,565,562,561,566,567],"rbcwm_content_owner":[],"rbcwm_need":[111,148],"rbcwm_segment":[],"rbcwm_solution":[],"rbcwm_topic":[109],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-13194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-estate-planning","category-investing","tag-benefits-of-life-insurance","tag-do-i-need-life-insurance","tag-financial-asset","tag-is-life-insurance-taxable","tag-is-life-insurance-worth-it","tag-life-insurance-investment","rbcwm_need-protect","rbcwm_need-support","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"Not only can life insurance help cover a future inheritance tax liability, it can also be viewed as an investment or alternative asset.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":""},"rbcwm_insight_cta_id":[14516],"rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":true,"rbcwm_toc_selector":"h2"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The benefits of life insurance for inheritance tax planning<\/title>\n<meta name=\"description\" content=\"Not only can life insurance help cover a future inheritance tax liability, it can also be viewed as an 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