FCA Regulated · No. 301173
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On a £1.95m estate — home, business shares, savings — inheritance tax lands at 40% above the allowance. Whole of life cover, written in trust, pays the bill the day they need it. So your family keeps the house, the business, and 100% of what you built.
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No thanks, I'll wait for a call from an adviserMost directors don't realise how exposed they are until it's too late. Here's what's actually at stake.
The catch: the rules are complex, and most estates lose part or all of the £1m relief due to ownership structure, trust mistakes, or assets not passing to qualifying beneficiaries. The earlier you plan, the more allowances you keep.
A married couple, no estate planning. Successful business. Family home. Modest investments. Here's what HMRC takes.
| Family home | £650,000 |
| Buy-to-let property | £300,000 |
| Business shares | £500,000 |
| Savings & investments | £250,000 |
| Life insurance outside trust | £250,000 |
| Total estate value | £1,950,000 |
Without planning, the family is forced to remortgage the home, sell the buy-to-let, or break up the business — just to settle a tax bill they didn't expect.
Drag the slider to your estimated estate value. We'll show the tax bill your family would face — and the cover that pays it for them.
Indicative only. Actual liability depends on ownership structure, gifts in the last 7 years, BPR, taper relief, and trust arrangements. Your adviser will model your specific position.
Whole of life cover up to £5m+ sum assured is routinely available for healthy directors. We arrange the right size policy and write it into trust at no extra cost.
Historically, IHT was a tax on the ultra-wealthy. Frozen allowances + property growth + business appreciation have pulled ordinary families in. If you tick more than one of these, you're almost certainly exposed.
Whole of life cover written into trust does the work HMRC's expecting your family to do. Here's what's included when you set it up with Vantage:
From first quote to policy in trust — we handle the structuring so your family inherits a plan, not a tax bill.
30 seconds. No credit check. No obligation. Just enough for us to scope out your potential tax exposure.
A whole-of-market adviser walks you through the right cover level, the trust structure, and what your family actually saves — in plain English.
We arrange the policy, write it into trust, liaise with the insurer, and hand you a structured estate plan. No paperwork on your side.
Most directors either go to a comparison site, ask their accountant, or do nothing. Here's what each option actually delivers when it comes to inheritance tax planning.
| Vantage Group | Comparison Site | High Street Broker | Doing Nothing | |
|---|---|---|---|---|
| Whole of life cover from 12+ UK insurers | ✓ | Limited | ✓ | ✗ |
| Policy written into trust (outside your estate) | ✓ | ✗ | Sometimes | ✗ |
| Inheritance tax exposure assessment | ✓ | ✗ | ✗ | ✗ |
| Done-for-you trust setup & paperwork | ✓ | ✗ | Sometimes | ✗ |
| Dedicated estate-planning specialist | ✓ | ✗ | Sometimes | ✗ |
| No adviser fee to you | ✓ | ✓ | ✗ | ✓ |
| Ongoing policy & trust reviews | ✓ | ✗ | Sometimes | ✗ |
| FCA regulated advice | ✓ | ✓ | ✓ | ✗ |
"I had no idea I could run my life cover through the business until a friend mentioned Vantage Group. They set the whole thing up — my accountant was impressed. I'm saving £180 a month compared to what I was paying personally. Should have done this years ago."
"Genuinely the easiest financial decision I've made for the business. Policy in place within a week, and the tax saving paid for itself in the first month."
"Gary walked us through the IHT exposure on paper — house, business, investments — and the number was eye-watering. The trust setup means our kids actually inherit what we built. Should have done it years ago."
"I've been a director for 10 years and never known about this. The whole process was smooth — they handled everything with the insurer. No paperwork headaches."
"Had a pre-existing condition and was worried I wouldn't qualify. The team were honest, found me a competitive policy, and set up everything through my company. Excellent service."
"Really straightforward. Spoke to an adviser on a Tuesday, quotes in by Thursday, policy agreed by the following week. Saved over £100 a month. Highly recommend."
Whole of life cover is priced on age and health — both work against you the longer you wait. The earlier you set it up, the cheaper the premium and the cleaner the trust structure.
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