Existing Customers

What to do if your circumstances have changed

There are several key life situations where your insurance policy may need to change, such as needing more cover if you move to a new house or want to add your new partner to your policy. Below are some examples:

  • Moving home
  • Giving birth
  • Receiving a pay increase
  • Increasing your mortgage
  • Separating from your partner (if you have a joint policy)

If any of these apply to you, please give our expert advisors a call on 0203 540 5800 and they can recommend whether you can change your current policy or change to a different provider to make sure the policy suits your new circumstances.

Writing a policy in Trust

Putting your life insurance policy in Trust can help your loved ones get the maximum benefit from your life insurance, by avoiding inheritance tax and probate for the payout. It places your policy under the ownership of trustee’s, which means for example you could keep it in trust until your children are 18. The good news is that it doesn’t cost any more than a standard life insurance policy. You should make sure the trustee’s are chosen carefully as they will have legal ownership of the policy. Some of the key point to consider are:


  • Once you pass away, the pay out from the policy isn’t subject to inheritance tax, meaning savings of 40% if your estate value is over £325,000.
  • There is no need to wait for probate to get the pay-out, meaning your loved ones receive the proceeds fairly quickly.
  • You can ensure the proceeds will go to the right people.


  • Once a policy is in trust, the legal agreement can’t be changed. You can cancel the policy & legal agreement and set up a new one.
  • You must make sure your trustee’s are people who will protect your interests in years to come, as they have legal ownership over the policy and have a certain level of control alongside you.

Our expert advisors can discuss the benefits and drawbacks of writing your policy into trust – request a call back or call us on 0203 540 5800 to find out more.


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