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Gift trust
Pass on your money in a tax-efficient way
Introducing our Gift Trust
This trust lets you gift your money outright in a tax-efficient way. When you place money in a gift trust, it moves out of your estate after seven years and is exempt from inheritance tax. Any investment growth is outside of your estate from day one. With our Gift Trust, you can also allow payments to be made to your beneficiaries while you’re alive.
Key benefits
What are the risks?
Just so you’re aware, we’re unable to change the terms of your annuity policy once we’ve set it up. Your income will stop when you die unless you opt to include death benefits. Inflation will reduce the spending power of your income, especially if you haven’t chosen a rising income. The value of your investment can go down as well as up and you may get back less than you invest. Tax rules depend on the type of investment and individual circumstances and may change. Other annuity providers may provide you with a better outcome.
Is it right for me?
This trust could be right for you if:
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You want to reduce any inheritance tax after seven years
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You want to gift your money outright
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You want to allow payments to be made to beneficiaries while you’re alive
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You don’t need access to your money
This trust might not be right for you if:
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You want to access your money
Products that can be used with this trust
You’ll need one of these products to use with our Gift Trust:
Also worth knowing
Next steps
Need an adviser?
Get a tailored quote for our products from a financial adviser. To find one, visit Unbiased.
Customer support
Find answers to commonly asked questions, helpful links, tools and contact details.
Get in touch
Contact our onshore team
+44 1707 651 122
Contact our offshore team
0333 015 1382
Monday to Friday, 9am to 5pm