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Cromwell Associates

Life Insurance

Life insurance written in trust

Placing a policy in trust so the proceeds are directed outside the estate.

Writing a policy in trust can mean the proceeds are paid to the trustees for the intended beneficiaries rather than forming part of the estate, which may help with the timing of payment and the estate's Inheritance Tax position.

Outcomes depend on the type of trust, how it is drafted, who is appointed and the circumstances at the time. This is an area where proper specialist advice matters.

Things worth considering

  • Once written in trust, an arrangement is not always easy to unwind
  • Trustees take on real legal responsibilities
  • Trusts have legal and tax implications and specialist advice may be required

Enquire about life insurance written in trust

Tell us what you would like to protect or resolve. One named contact will read your enquiry personally and come back to you.

  • One dedicated point of contact
  • No call centres
  • Introductions handled discreetly
  • Serving Hampshire, West Sussex, Surrey and the Isle of Wight

Cromwell Associates coordinates enquiries and introduces clients to appropriately qualified specialists. We do not provide regulated financial, legal or tax advice, and submitting this form places you under no obligation.

Your enquiry is reviewed personally before any introduction is made.

Please do not send medical details, account numbers or other sensitive information. Cromwell Associates is an enquiry and introduction service: it does not give advice, recommend policies or arrange cover. Insurance introductions are passed on by hand to a suitable specialist, and other services to an appropriate partner. Cromwell Associates may receive a referral payment if you go on to use a service.