By James Baxter, January 2026
When considering how to mitigate the effects of the changes to Inheritance Tax coming in 2027, some advisers will present whole of life policies as a straightforward, tax-efficient way to cover future IHT bills. But let’s look more closely.
This document analyses the rising inheritance tax (IHT) issue in the UK and critically examines the use of whole of life insurance policies (sometimes called life assurance) as a solution, offering alternative strategies for planning.
