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Before a person’s estate can be distributed, the executors must apply for probate. Waiting for probate to be granted can take a long time. Using a probate trust removes the need to get probate, so as long as there is at least one trustee, the payment of death benefits from the investment bond can be made quicker.
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 individual circumstances and may change.
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