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For Investment Bond
The Flexible Loan Trust enables your client to achieve inheritance tax (IHT) savings over time while allowing for continued access to their original capital. All investment growth is outside of their estate from day one and held under trust for a wide class of 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 Flexible Loan Trust, which is on a discretionary basis.
Should they wish to establish the trust on an absolute basis, please take a look at our Fixed Loan Trust (creating fixed trust interests)
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.