13/10/2026
An Inheritance Tax bill can’t always wait for probate.
Inheritance Tax is generally due within six months of a death. But property, investments and
other assets can take considerably longer to sell or release, potentially leaving loved ones
facing a substantial bill without immediate access to the money needed to pay it.
And from April 2027, most unused pension funds are expected to be included when
calculating the value of an estate for Inheritance Tax purposes, bringing even more families
into scope.
A whole-of-life assurance policy, written in trust, may provide a guaranteed lump sum
following death. This could help your family:
• Meet some or all of an Inheritance Tax liability
• Avoid selling assets under pressure
• Reduce the need to borrow
• Access funds without waiting for probate
It won’t be suitable for everyone, but as part of a carefully considered estate plan, it could
help protect your family from additional financial pressure at an already difficult time.
Read the full article and speak to the team at IQ & Co to understand the options available to
you:
https://partnership.sjp.co.uk/iqandco/article/detail/sjpp/whole-of-life-assurance-the-quiet-solution-to-the-iht-landscape
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Trusts are not regulated by the Financial Conduct Authority
IQ&Co and Mortgage IQ are trading names of IQ&Co Ltd.
IQ & Co Ltd is an Appointed Representative of and represents only St. James's Place
WealthManagement plc (which is authorised and regulated by the Financial Conduct
Authority).
SJP Approved 05/10/2026
