{"id":8094,"date":"2026-01-20T10:55:54","date_gmt":"2026-01-20T10:55:54","guid":{"rendered":"https:\/\/new.contentdeployment.co.uk\/quilter\/?p=8094"},"modified":"2026-01-20T11:20:25","modified_gmt":"2026-01-20T11:20:25","slug":"new-year-life-insurance-review","status":"publish","type":"post","link":"https:\/\/new.contentdeployment.co.uk\/quilter\/2026\/01\/20\/new-year-life-insurance-review\/","title":{"rendered":"New Year life insurance review"},"content":{"rendered":"<div class=\"hd-block hd-block-table\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Life insurance offers essential protection for loved ones when you are no longer around&nbsp;<\/td><td>More assets are subject to IHT, so life insurance can help reduce your tax liabilities&nbsp;<\/td><td>Reviewing policies in 2026 ensures cover&nbsp;remains&nbsp;effective, tax-efficient and aligned with evolving personal needs&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p><strong>As 2026 gets underway, now is&nbsp;a good time&nbsp;to review your life insurance. It may not be the flashiest New Year\u2019s resolution, but the right cover can provide peace of mind \u2013 and may even help reduce Inheritance Tax (IHT) liabilities.<\/strong>&nbsp;<\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-heading\">\n<h2><strong>Why it matters<\/strong>&nbsp;<\/h2>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p>With the IHT threshold frozen for over a decade, life insurance has become an increasingly useful tool\u00a0for families looking to manage taxable estates. Recent changes mean more assets, including business and agricultural property, are now potentially subject to IHT, making planning more important than ever.\u00a0<\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-heading\">\n<h2><strong>Protection and tax efficiency<\/strong>&nbsp;<\/h2>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p>Life insurance ensures your loved ones are financially supported if the unexpected happens. Payouts are&nbsp;generally free&nbsp;from Income Tax and Capital Gains Tax, and when placed in the right type of trust, they can also be exempt from IHT.&nbsp;<\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p>A quick review can help you check your cover, align it with your current circumstances, and make sure your loved ones are protected while your estate planning stays&nbsp;tax-efficient.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Life insurance offers essential protection for loved ones when you are no longer around&nbsp; More assets are subject to IHT, so life insurance can help reduce your tax liabilities&nbsp; Reviewing policies in 2026 ensures cover&nbsp;remains&nbsp;effective, tax-efficient and aligned with evolving personal needs&nbsp; As 2026 gets underway, now is&nbsp;a good time&nbsp;to review your life insurance. It [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":8097,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[32,79],"tags":[],"hd_content_source":[],"_links":{"self":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts\/8094"}],"collection":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/comments?post=8094"}],"version-history":[{"count":7,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts\/8094\/revisions"}],"predecessor-version":[{"id":8103,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts\/8094\/revisions\/8103"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/media\/8097"}],"wp:attachment":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/media?parent=8094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/categories?post=8094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/tags?post=8094"},{"taxonomy":"hd_content_source","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/hd_content_source?post=8094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}