Life Insurance Trust & Letter of Wishes
£300.00
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Protect Life Insurance Payouts for Your Loved Ones
Most people in Bristol who take out a life insurance policy never think to write it into trust — and as a result the payout often falls straight back into their estate, where it can be delayed by probate for 6–12 months and exposed to up to 40% Inheritance Tax. With property prices in Clifton, Redland, Henleaze and Westbury regularly pushing estates over the £325,000 nil-rate band, this is a costly oversight.
Placing your life insurance into a properly drafted Discretionary Trust solves both problems. The proceeds are paid directly to your chosen trustees outside of your estate — bypassing probate, avoiding Inheritance Tax on the payout, and reaching your family within days rather than months. A Letter of Wishes sits alongside the trust to guide your trustees on exactly how and when the money should be used.
Our £300 fixed-fee service covers a full consultation, drafting of the Discretionary Trust deed, a tailored Letter of Wishes, and registration of the trust directly with your insurance provider (Aviva, Legal & General, Royal London, Vitality, Zurich and others). The service works with both new and existing policies — we'll review what you already have in place and confirm whether a trust can still be added.
Appointments are available at our Henleaze office (BS9), by video call, or at your home across Bristol, Bath and the South West. Once instructed, most policies are written into trust within 2–3 weeks. If you already have mirror wills or a will-based trust with us, we'll make sure your life insurance trust is fully aligned with the rest of your estate plan.
Life Insurance Trust & Letter of Wishes in Bristol & the South West
High Net Estate Planning is based in Henleaze, north Bristol (BS9). We support clients across Bristol, Clifton, Redland, Westbury-on-Trym, Bath, North Somerset and the wider South West — in person, by video call, or at home.
All pricing is fixed and confirmed in writing before any work begins. Call 0117 463 2447 or book a free consultation.
Frequently asked questions
How much does Life Insurance Trust & Letter of Wishes cost in Bristol?
Our fixed fee for Life Insurance Trust & Letter of Wishes is £300.00 — all-inclusive, with no hidden charges. Any third-party fees (such as the £82 Office of the Public Guardian registration for LPAs) are clearly stated upfront.
Do you offer Life Insurance Trust & Letter of Wishes appointments in Bristol?
Yes. We meet clients at our Henleaze office in north Bristol (BS9), by video call, or at your home across Bristol, Clifton, Redland, and the wider South West. Evening and weekend appointments are available.
How long does Life Insurance Trust & Letter of Wishes take?
Most clients complete the process within 2–3 weeks of their initial consultation. We handle drafting, review, and (where applicable) registration with the relevant authority on your behalf.
Are you regulated and insured?
High Net Estate Planning is a member of the Society of Will Writers and carries full professional indemnity insurance. Every document is reviewed by a qualified estate planning specialist before it reaches you.
