Wealth Preservation Account

Reduce inheritance tax and retain access to optional yearly payments

Our Wealth Preservation Account gives you the best of both worlds – a product that allows you to potentially reduce your inheritance tax liability, while allowing you full access to the trust assets through optional yearly payments. After seven years, your gift into trust moves out of your estate entirely and any investment growth is outside of your estate from day one.

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How it works

Is the Wealth Preservation Account right for you?

Option to take yearly payments of the maturing policies, which can be deferred if you don’t need them at the time
Gift is no longer included in your estate for inheritance tax after seven years
Beneficiaries can receive payments while you’re alive

What are the risks?

The value of your investment can go down as well as up and you may get back less than you invest. The way investments performed in the past is not a guide to how they’ll perform in the future. Tax rules depend on individual circumstances and may change. Speak to an adviser, if you need more information on tax.

This trust could be right for you if:

  • You’re aged between 18 and 89 with at least £50,000 to invest

  • You want to try to reduce your inheritance tax liability by making a one-off gift to a trust

  • You want access to the trust through optional annual payments of the maturing policies

  • You're willing to accept a degree of investment risk to maximise opportunities for capital growth

  • You want to allow payments to a beneficiary at any time, while you’re alive

The trust may not be appropriate if:

  • You have less than £50,000 to invest

  • You want full access to your investment at all times

  • You might want to add more money to the trust

  • You want a guaranteed return or cannot accept any investment risk

Need an adviser?

Need an adviser? A financial adviser can help you get a tailored quote for our products. Read up on how to find an adviser and what to expect from the advice process.

Find a Financial Adviser

Wealth Preservation Account webinar

Watch a CPD qualifying webinar about our award-winning Wealth Preservation Account.

Watch the webinar

Wealth Preservation Trust Case Study

Our case study demonstrates how our WPA can be used effectively.

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Frequently asked questions