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- Fixed or Flexible Discounted Gift Trusts
Welcome to Scottish Widows Adviser Site
This site is designed and intended for UK authorised and regulated financial advisers and intermediaries only.
If you are not a financial adviser or intermediary, please visit our personal site
Fixed or Flexible Discounted Gift Trusts
Find out which Discounted Gift Trust is right for your clients.
Why choose Scottish Widows Trusts?
We aim to provide flexibility by offering a choice of fixed or flexible trusts, single or joint settlor investment. We also provide a protector option with our flexible trusts as well as a wide range of support material to provide you and your clients with continued support throughout the lifetime of the trust.
Benefits of Discounted Gift & Income Trusts
- The potential to reduce inheritance tax liabilities whilst aiming to provide an income for life (subject to sufficient capital remaining).
- Choice of Flexible (Discretionary) or Fixed (Absolute) Trust.
- Trustees aren't locked into a particular investment or product provider.
- Our basis for calculating potential discount has been agreed with HMRC.
- Wide range of investment funds.
- RDR friendly product charging options.
- Choice of underwriting options including full and concurrent underwriting.
- Ability to set up the Trust with an existing policy.
- Comprehensive range of supporting material and expert technical support.
Fixed or flexible trust?
Trust basis |
Client suitability |
Product information |
---|---|---|
For a fixed interest (absolute) basis. |
Suitable for clients who have:
|
|
Flexible Discounted Gift Trust For a flexible (discretionary) basis. |
Suitable for clients who want to:
|