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Protection trust – English law

This is a split trust that can be suitable for critical illness policies with life cover. If the benefits of the policy are paid out for any reason other than death, they are retained for the settlor’s benefit. If death occurs, the life cover benefit is held in trust for the intended beneficiaries.

Someone may use this trust if they have an IHT liability on death but they want to be able to access the money should they become critically ill.

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