Life cover planning: The changing landscape of protection for IHT

'The world of protection advice is changing'

clock • 4 min read

Having the IHT/insurance conversation earlier could increase clients' chances of getting cover, particularly for those in their 50s and 60s with a potential liability, writes Naomi Greatorex

Many clients and advisers are starting to consider their protection needs in relation to the forthcoming inheritance tax (IHT) changes, and we have seen a huge increase in life assurance for IHT planning queries. Many wealth managers are now also assessing these liabilities for their clients, and as a protection specialist firm working with a range of professional advisers, I don't remember a time in the last ten years when life cover options have been more widely discussed. Life assurance is a simple option that clients can understand offering guaranteed life cover offers the securit...

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 Protection

Why IHT on pensions is a protection advice opportunity

Why IHT on pensions is a protection advice opportunity

Pension accumulation can no longer be considered separately from protection and estate planning

Naomi Greatorex
clock 23 September 2026 • 3 min read
FCA's Reynolds: 'We want to see a real improvement in financial inclusion because it matters'

FCA's Reynolds: 'We want to see a real improvement in financial inclusion because it matters'

In conversation with Graeme Reynolds, director of competition, FCA

Cameron Roberts
clock 22 September 2026 • 7 min read
FCA Pure Protection Market Study: Key milestones

FCA Pure Protection Market Study: Key milestones

A timeline of key developments

Jaskeet Briah
clock 21 September 2026 • 5 min read