Whole of Life

Trusts

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Norwich Union has launched a guaranteed whole of life product designed for inheritance tax planning...

Elsie, 54, is a secretary for a big law firm in the City. She is covered by her employer's group income protection scheme. However, the scheme will only cover her until she reaches retirement age - 60. While she will receive a substantial pension she...

Despite more families facing huge inheritance tax bills, whole of life, which provides cover against death duty, is in the doldrums. But all is not lost, writes Johanna Gornitzki Click here to download pdf

Retirement planning

Overview: The plan is a regular premium, non-qualifying, non-profit whole of life (WOL) plan designe...

Caroline, 25 and John, 30, are about to have their first child. Caroline works as a PA and John works for a management consultancy firm in London. They have a combined salary of £45,000. They do not have insurance of any kind, but are aware they need...

IHT: Budget decision unlikely to impact on stuttering market for WOL products

Gemma, 30, has just bought her first property with a mortgage of £147,000. As she has income protection cover through her employer, Gemma is looking to take out a personal critical illness plan. Although she is a fitness fanatic and does not smoke, her...