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Estate Planning

Discounted Gift Trust

The Discounted Gift Trust allows the client to put a lump sum into trust for their beneficiaries, while retaining the right to a regular payment.

  • Regular payments which may be free of any immediate liability to income tax
  • A potential immediate reduction in the client's estate for Inheritance Tax (IHT) purposes
  • Any investment growth is outside the client's estate
  • Available through Prudential Investment Plan, Prudential International Investment Bond, Prudential International Investment Portfolio, Prudential Onshore Portfolio Bond
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Loan Trust

Prudential's Loan Trust allows the client to access a capital sum, while any growth on it is outside their estate.

  • Regular payments which may be free of any immediate liability to income tax
  • Access at any time to all or part of the balance of the loan
  • No Inheritance Tax liability on establishing the trust
  • Available through Prudential Investment Plan, Prudential International Investment Bond, Prudential International Investment Portfolio, Prudential Onshore Portfolio Bond
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Gift Trust

The Gift Trust provides an inheritance tax planning route for clients who want to make an outright gift in a tax-efficient way.

  • Payments can be made to the beneficiaries at any time (as long as the client doesn't benefit at all)
  • Choice of onshore and international bonds, offering access to the fund management skills of the Prudential Group and other leading investment managers
  • Available through Prudential Investment Plan, Prudential International Investment Bond, Prudential International Investment Portfolio, Prudential Onshore Portfolio Bond
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Excluded Property Trust

The trust is designed for clients who are currently non-UK domiciled, but may in the future become UK domiciled or treated as such for inheritance tax (IHT) purposes.

  • Access to the trust investments at any time
  • Full control over the investments in the trust
  • Available through Prudential International Investment Bond, Prudential International Investment Portfolio
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Probate Trust

The Probate Trust is designed to speed up the payment of policy proceeds on death by avoiding the need for probate in respect of the trustee owned policy.

  • Provides access to the bond throughout the client's lifetime
  • Allows speedy access to the funds for their family when the client dies
  • Avoids the need to obtain a Grant of Representation (Probate/Letters of Administration) in respect of the bond when the client dies
  • Available through Prudential Investment Plan, Prudential Onshore Portfolio Bond, Prudential International Investment Bond, Prudential International Investment Portfolio
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For UK Adviser Use Only - Not Approved For Use With Clients