Royal London launches estate and inheritance planning framework

To help advisers prepare for ‘significant changes’ in April 2027

Jenna Brown
clock • 2 min read

Royal London has launched an estate and inheritance planning framework for advisers ahead of significant changes to inheritance tax and personal representative rules in April 2027.

The provider said the framework was established to help advisers identify clients who may be affected by the IHT on pension reforms. It will also enable advisers to take a "more a more structured approach to family wealth and estate planning". Most unused pension funds and pension death benefits will fall within the scope of IHT from April next year. Royal London said it had established the framework as part of a wider package of adviser support ahead of the changes. It added that while every firm's advice proposition will be different, the framework is intended to provide a "struc...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Tax planning

IHT on pensions: Getting the practicalities right

IHT on pensions: Getting the practicalities right

Practical refinements needed to make reforms work effectively

Emily Deane
clock 15 October 2026 • 4 min read
Why a higher CGT rate may not mean most business owners pay it

Why a higher CGT rate may not mean most business owners pay it

While it is entirely possible that CGT rates could rise sharply in the Budget, Chris XX remains sceptical that the majority of genuine business owners will ultimately pay tax at the full headline rate...

Chris Riley
clock 14 October 2026 • 4 min read
Budget Media Watch: Chancellor will not hike CGT to match income tax

Budget Media Watch: Chancellor will not hike CGT to match income tax

Smaller rise possible

Alex Sebastian
clock 14 October 2026 • 2 min read