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.