Guides
Clear, jargon-free guides on protection, trusts and inheritance tax — so you can make confident decisions about protecting your family or business.
Protection
Income Protection for Barristers
Self-employed barristers have no sick pay. How income protection replaces your earnings if illness or injury stops you working — cover levels, deferred periods and own-occupation cover.
Read guide →Life Insurance & Protection — What You Need to Know
The three pillars of protection — life insurance, income protection and critical illness — explained, with who needs what and how much it costs.
Read guide →Estate planning
Writing Life Insurance in Trust — How & Why
Putting a policy in trust keeps the payout out of your estate, speeds up payment and avoids probate. How trusts work and when to use one.
Read guide →Inheritance Tax Explained
How UK inheritance tax works: the nil-rate bands, the 40% rate, spousal exemption, gifting rules, and how protection can cover the bill.
Read guide →Inheritance Tax & Gifting
How lifetime gifts cut your inheritance tax — the seven-year rule, taper relief and exemptions — and how a broker uses gift inter vivos cover and trusts to protect your gifts.
Read guide →Pensions & Inheritance Tax: The April 2027 Changes
From 6 April 2027 most unused pension funds fall within inheritance tax. What's changing, who pays, what's excluded, and how to plan ahead.
Read guide →Not sure where to start?
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