IHT and Protection Insurance

Hi everyone, I am back with a short episode focused upon how you can protect against IHT with life insurance. Huge disclaimer from the start I am not a full financial adviser and there are lots of ways to do estate planning, I am just giving insight into how life insurance can work.The key takeaways:With a joint life second death policy one of your clients might be declinable, BUT, they can still be covered by the insurance.Two case studies to show the price difference for joint life second death whole of life, depending upon age.Cautionary tale about HMRC and terminal illness benefits.Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors Octo Members.If you want to know more about how to arrange protection insurance, take a look at my 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.