Life Insurance in Trust Put your life policy in trust — free trust-writing service

Writing life insurance in trust means the payout goes directly to the people you choose — usually outside your estate and without waiting for probate. It's typically free to set up. A broker will compare leading UK insurers and call you with tailored quotes.

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Why People Put Life Insurance in Trust

Putting life insurance in trust keeps you in control of who receives the payout.

You Choose Who Receives the Payout

Name the people you want the money to go to. The lump sum payout is paid directly to your chosen beneficiaries rather than into your estate.

Usually Outside Your Estate

A life policy in trust normally sits outside your estate, so the payout usually avoids probate and is not normally counted for inheritance tax.

Free Trust-Writing Service

Setting up a trust is typically free with leading UK insurers. Our broker offers a free trust-writing service and can explain your options when they call.

Top 5

UK Insurers

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

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How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Policy in Trust vs Not in Trust

What writing your life policy in trust changes.

Feature	Policy in Trust	Policy Not in Trust
Who receives the payout	Your chosen beneficiaries, directly	Your estate, then shared out under your will (or intestacy rules if there is no will)
Probate	Usually not needed for the payout	Payout normally waits for probate
Inheritance tax	Payout normally sits outside your estate, so it is not usually counted for inheritance tax	Payout counts as part of your estate and may increase an inheritance tax bill
Speed of payout	Often faster — funds can reach your family in weeks	Can take months while the estate is settled

A broker will call to explain your options and arrange tailored quotes.

Life Insurance in Trust FAQs

Common questions about putting a life policy in trust.

A trust is a simple legal arrangement that sets out who should receive your life insurance payout. You place the policy in trust, appoint trustees to look after it, and name the beneficiaries who receive the money when you die.

Usually. The payout from a life policy in trust normally sits outside your estate, so it is not usually counted when inheritance tax is calculated. Tax treatment depends on your individual circumstances, and tax rules can change.

Usually, yes. Most leading UK insurers let you write a new policy in trust at no extra cost, and our broker offers a free trust-writing service. There is normally no ongoing charge either.

It depends on the type of trust. With a flexible trust, the trustees can usually change beneficiaries later; with an absolute trust, the beneficiaries are fixed from the start. A broker can explain your options before you decide.

Yes — most existing policies can be placed in trust by completing your insurer's trust form. It is usually simplest to set up the trust when you take out new cover. A broker will call with tailored quotes from leading UK insurers and can arrange the trust at the same time.