For brokers, solicitors and trustees
Passing on what was built, without the argument.
Estate planning is a legal exercise as much as a financial one. Our trust range is drafted to work alongside an investment bond or a protection plan, and our professional trustee service exists for families who would rather not ask a relative to administer a trust for twenty years.
Glendalough, Co. Wicklow · Superbass, CC BY-SA 4.0
10 products
The estate planning range
Each product page sets out who it is for, what it does, and the facts a broker needs before recommending it.
Trust-held investment bond
Wealth Preservation Account
An investment bond written in trust from the outset, so the value sits outside the settlor’s estate after seven years while remaining accessible to beneficiaries at the trustees’ discretion.
Read moreOutright lifetime gift
Gift Trust
A straightforward discretionary or absolute trust for a client who is giving capital away and does not need access to it again.
Read moreGift with capital retained
Gift and Loan Trust
A small gift establishes the trust and a larger interest-free loan is then advanced to the trustees, so growth accrues outside the estate while the loan remains repayable on demand.
Read moreGift with retained income
Discounted Gift Trust
The settlor gifts capital but retains a fixed lifetime income stream. The value of that retained right is discounted from the gift, giving an immediate reduction in the estate.
Read moreAccess without probate delay
Probate Trust
Holds assets so that they can be released to beneficiaries without waiting for a grant of probate, while remaining fully within the settlor’s estate for tax.
Read moreGift with a timetable
Controlled Access Account
A gift released to beneficiaries in pre-set tranches on chosen dates, so a large sum does not arrive in a young beneficiary’s hands all at once.
Read moreFor non-domiciled settlors
Excluded Property Trust
Established by a settlor who is not UK-domiciled and not deemed domiciled, holding non-UK situs assets that remain outside the UK inheritance tax net even if the settlor later becomes deemed domiciled.
Read moreProtection for a tax liability
Whole of Life Plan
Guaranteed cover for the whole of life, written in trust so the sum assured pays a known inheritance tax liability without the family having to sell an asset to fund it.
Read moreReviewable whole of life cover
Flexible Life Plan
Whole of life cover on a reviewable basis, with a lower initial premium than the guaranteed plan and a formal review of premium and cover at set intervals.
Read moreTrustee administration
Professional Trustee Service
We act as, or alongside, the trustees for the life of the trust — keeping records, filing returns and making distributions — so that the job does not fall to a family member for twenty years.
Read moreWho to talk to
Arranged through your broker
For brokers, solicitors and trustees. We do not sell direct: the intermediary keeps the client relationship and we underwrite behind it. Everything on this page is issued by an undertaking authorised by the Central Bank of Ireland.
Elsewhere
Other ranges
Investments
Onshore and international accounts, insured funds and open architecture.
Guarantees & surety
Bonds and guarantees issued on our own paper, in credit and suretyship.
Retirement
Annuities, scheme pensions, fixed-term income and drawdown.
Workplace protection
Group life, income protection, critical illness and employee support.
Home finance
Lifetime mortgages and later-life buy-to-let lending.