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Find out moreControlled Access Account
Make a gift into an absolute trust, and keep control of when the beneficiaries can access the trust fund, while potentially reducing your exposure to UK inheritance tax.
With the Controlled Access Account, you can make a gift into an absolute or bare trust arrangement for a child beneficiary with 99% entitlement and an adult beneficiary with 1% entitlement. The dual beneficial interest means the trustees can control when the beneficiaries access their share of the trust fund, even if they're an adult. The trustees can choose to allow maturing policies to be paid out to provide ongoing financial support while the child beneficiary is a minor, or defer maturities until the child beneficiary is an adult. The trust assets are invested to provide the opportunity for medium to long term capital growth and can be used for the beneficiaries’ ongoing financial support. Your gift into trust can also reduce your potential inheritance tax liability.
All the documents you need for our Controlled Access Account. From forms and client guides to product brochures and key features documents.
Key documents
Client guide
Tax notes
Guide to Anti Money Laundering
Trust deed
Application form
Charges and fees
Key features
Key Information Document
Suitability letter
Policy provisions
Maturity/Deferment request
Surrender and withdrawal form
Investment dealing form
Case study 1 - Donor
Case study 2 - Child beneficiary
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Briefing notes
Short guides on a variety of topics that explain and simplify some of the key areas of financial planning.
Find out moreFunds
As true open architecture products, both accounts offer a flexible range of investment options.
