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Why you should ensure your life insurance policy is written in trust

Avoids Probate

Money doesn’t go through probate which can be a lengthy process

Insurer can usually pay within weeks, not months

Inheritance Tax mitigation

The payout normally sits outside your estate

Helps avoid or reduce Inheritance Tax (IHT)

valuable if:

your estate may exceed the current IHT threshold

you have a large policy or other assets

You control who gets the money

You name beneficiaries (e.g. partner, children)

Trustees must follow your wishes

Prevents the money going to someone unintended under intestacy rules

Protects vulnerable beneficiaries

Trustees can:

manage money for children

support beneficiaries with disabilities

stagger payments rather than paying a lump sum

Helps prevent misuse or poor financial decision

Writing a policy into a trust is something that AGA Mortgages can organise when advising you on your insurance needs and we don't charge for this service!

Mortgages | Insurances | Trust & Wills

6 Vantorts Road, Sawbridgeworth
Hertfordshire, CM21 9NA.

01279 721706
07796 271801

info@agamortgages.co.uk

The obligatory legal bit: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

*The overall cost for comparison is 8.7% APR which is relation to someone with adverse credit. The actual rate available will depend on your circumstances. Ask for a personalised illustration.

Please note that most buy to let and commercial loans are not regulated by the FCA and neither is some bridging finance. We shall advise if your specific finance requirement is classed as a regulated activity and therefore covered by the FCA.

Typically, a fee no greater than £495 is charged for mortgage advice on receipt of a mortgage offer or on successful completion. This would be confirmed in writing once a brief outline of your borrowing requirements have been established. Many of our competitors charge upfront fees for advising and processing applications, regardless of the outcome, whereas our fee is only ever payable on receipt of a mortgage offer or on completion.

AGA Mortgages is an appointed representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 respect of mortgage, insurance and consumer credit mediation activities only.

Operating address: 6 Vantorts Road, Sawbridgeworth, Hertfordshire, CM21 9NA

AGA Mortgages is a partnership of Alexander Groom and Emily Groom.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service.

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