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For Investment Bond
The Fixed Loan Trust enables your clients to achieve inheritance tax (IHT) savings over time while allowing for continued access to their original capital. Any investment growth is outside of their estate from day one and held for specific, named beneficiaries. Optimum IHT savings can be made where loan withdrawals are taken and spent by your client, because the outstanding loan amount will reduce over time until the whole amount has been repaid.
Take a look at our other trust options
Please note that charges, terms and limits may change. We may change the selection of funds that we make available. There may be restrictions on the amount that can be invested in certain funds. Please contact us for details of any restrictions that apply. Tax treatment depends on the individual circumstances of your client and may be subject to change in the future.
Before proceeding to the application stage you should ensure that your client wishes to set up a Loan Trust (creating fixed trust interests), which is on an absolute basis.
Should they wish to establish the trust on a discretionary basis, please look at our Flexible Loan Trust
Please also ensure your client has read the important notes for applications (PDF)
The following items should accompany the application:
Policy documents will be issued to the trustees.