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Here at Cura Financial Services Ltd we believe that you should have the opportunity to know exactly what you are getting for your money.

After all, your protection cover may seem like something minor to worry about now, but what if the worst was to happen?

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Life Insurance - The Important of Trusts


When taking any form of Life Insurance it is vitally important that the policy be written into a trust*. Sadly many people overlook this fact either because of solicitors charging for the service or through simple lack of knowledge.

Trusts* needn't be a complicated area (with advice from a qualified life insurance adviser) and can be written completely free by Cura Financial Services Ltd advisers.

A trust* is a legal document where one party holds control over another party's property.

A trust* in relation to life insurance ensures that the benefit amount goes to the correct parties. The settlor is the life that has been insured and they are the person who decides where the money is going to The trustee or trustees are the people who own the trust* that has been written, one of these can be the settlor as these are the only people who can change the trust*, and the beneficiaries are the recipients of the money.

One major advantage to writing a policy into trust* is to help avoid IHT (Inheritance Tax) by keeping the deceased person's estate under the nil rate band.

If the deceased person's estate is more than £325,000 then everything above this amount is subject to IHT at 40%. However by writing the policy into trust*, all the benefit paid by the insurance company is tax free and will be promptly paid to the parties named in the trust*.

If the payout goes to the deceased person's estate then it goes to their estate and is divided out as specified by their last will and testament.

This means the money will be held in probate for a required amount of time, which can sometimes be months or even years.

A trust* gives extra piece of mind and ensures that the money goes to the right people at the time when they need it most.

Cura Financial Services Ltd advisers will happy write your life insurance policy into trust* for free and with full advice.

*The Financial Conduct Authority does not regulate trusts. The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.

*Information regards taxation levels and basis of reliefs are dependent on current legislation, individual circumstances are not guaranteed and may be subject to change.