What does the Blackfinch Adapt IHT Insured Service cover?

If a client dies within two years of investing, the insurance is designed to help reduce or eliminate any potential IHT liability on the investment.

 

The level of cover depends on the potential IHT liability on the investment:

 

• 40% cover is available for clients investing from non-qualifying structures, helping to protect against the full potential IHT liability.

 

• 20% cover is typically suitable for clients using Replacement Property Relief to move funds from BR-qualifying AIM portfolios, where 50% relief already applies which can be helpful for executors or beneficiaries wanting to settle liabilities or fees due on the estate without waiting for probate.