Trust Planning

We offer trust forms for private estate planning and for business protection. These are for you to use should you wish to write the benefits of the policy in trust.

The private estate planning trusts are intended for use by policyholders who wish to give away outright, the benefit of our policy.

The Flexible Business Protection Trust is intended for use by policyholders who, together with others, own interests in businesses, and who wish to make provision for the other business owners should they die.

Trust forms can be used with all of our life assurance products - whole of lifelevel and decreasing term assurancefamily income benefit, gift inter vivos and relevant life plans.

These trust forms can be accessed from our Life Assurance literature page >

Trusts can be complex, and can be difficult or in some cases impossible to unravel once set up. Policyholders and prospective policyholders must obtain professional advice in order to place their policy in trust.

We cannot advise policyholders or trustees and can accept no responsibility for the tax or other consequences of using any our trust form.

Tax is subject to change and depends on individual circumstances.

We offer draft forms for a variety of trust solutions for individuals and businesses:

  • Discretionary Trust
  • Bare Trust
  • Business Trust
  • Cross Option Agreement for Business Trusts
  • Relevant Life Trust

Client and adviser guides are available to assist in trust planning for any further information which is not available through our guides.