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Why should I review my life insurance?

When you sign up for a policy, the extent of cover – how long it lasts, and how much it would pay out – is based on your financial situation and commitments at that time

But these can change. Your life insurance policy needs to change as well to ensure your family is fully protected.

Has your Mortgage changed?

Many people take out life insurance to cover a mortgage, and it is likely this commitment will increase at some point.

For example, if you have moved to a bigger property, the amount you owe your bank or building society could have gone up. Or you may have extended your mortgage term when you moved, or in order to reduce the size of your monthly repayments.

If you original life policy was only designed to run for 25 years (in line with the original mortgage term) it could end before your home loan is paid off.

Who benefits from your policy?​

When you set up a life insurance policy, any payout from it goes into your estate when you die, along with other assets such as your home and investments.

It is advisable – to set your life policy up in a trust. This means your dependants can get hold of any payout with the least hassle and the lowest possible tax charge if the worst does happen.

Writing your life insurance policy in trust means the cover is ring-fenced outside the rest of your assets, such as savings, investments and property.

This means any payment from the policy is not included in your estate for inheritance tax purposes.

So depending on the value of any property or investments you have, up to 40 per cent of a life insurance payment could end up in the taxman’s hands if the policy is not written in trust.

And because the life policy is not included in your estate, the payout does not have to go through the probate process with the rest of your assets, which means your family will probably get the money much more quickly.

We're All About Trusts

Did you know your life insurance won’t payout immediately when you die if it’s not in Trust? 

If you have a life insurance policy that has not been placed into a Trust then this becomes part of your estate and your loved ones will have to wait for their money until your estate has gone through probate which can take anywhere between 6 months to 2 years.  Could they wait that long?

That’s why at Resteazy we’re committed to put as many life insurance policies in to Trust as we can and provide a completely Free Trust service.

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