What is Inheritance Planning?

Inheritance Planning makes sure that everything you’ve worked hard for is passed on to those you care about. It includes:

Call us on 0800 411 8690 to see how Capital Life can help with all your Inheritance Planning needs.

Capital Life have a range of later life products, so you can have everything in one safe and secure place giving you and your family peace of mind

Single Will


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Mirror Wills


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Pre-Paid Probate Plans


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Secure Will Storage


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Lasting Power of Attorney


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Inheritance Planning

Put everything in place with Capital Life

We all know that our own money and personal wishes are very private and the reality of it is that we often never get around to discussing such important things. However, once you know what to talk about, the rest is surprisingly easy. Understanding your own financial situation can appear daunting, but Capital Life can help you get everything in place.

Why do I need Inheritance Planning?

There are many questions you may have when it comes to Inheritance Planning, and it can seem quite overwhelming to begin with. Our expert advisors are here to help guide you through the process, taking it a step at a time so you feel comfortable at every stage. We will help explain the jargon in plain English and discuss how you want to leave your legacy, whether it is big or small, for your loved ones to benefit from.

  • Q Who will look after your children?
  • Q Have you thought about your Probate arrangements?
  • Q Will your children lose out to Inheritance Tax?
  • Q Have you planned how your loved ones will survive financially?
  • Q Do you have a Will? If so when was it last reviewed? Has anything changed?

Make sure you know what you want (and your loved-ones do too)

Do you know that, unless you make a valid Will, the government decide who gets what, including the care of children under the age of eighteen? By making a Will, you remain in full control and make the decisions as to who gets what when you’re gone, including who looks after your children.

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So, who gets what and when?

Many beneficiaries are surprised to find out that their inheritance has been divided up or in some cases not mentioned at all, for example, non-married partners and stepchildren. It is also important to think about sentimental items you want to pass down and if you have minors, it is a good idea to think about the age of when you would like them to inherit.

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Discussing your final wishes with your loved ones

Talking to your nearest and dearest about what you want to happen when you are no longer around is not always an easy discussion to have but doing so ensures that everyone who needs to know does and can also help them to feel at ease that everything is in place. Recording and documenting your final wishes through a Will is a selfless act. You will be taking away the unnecessary stress and burden from your loved ones, ensuring that all your wishes are carried out and removes the potential for conflict once you are gone.

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Do you know what you have and what you are likely to pass down?

Understanding what you are “worth” isn’t always as easy as it sounds, however whether you’re a multimillionaire or not (like the majority of us), the first thing you should do is start to make a list of everything you own, for example, bank accounts, online banking, credit cards and social media accounts. It’s also good practice to have a secure folder which contains your life insurance and pension documents too.

Once you know what you have, you can work out what you will need for the rest of your life and, from that, you can see what you are likely to be passing down to your beneficiaries – do consider potential care costs too!

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Now or later?

As soon as you have decided who gets what, and what you have, you can then decide whether to wait until you go, or “gift” now – like everything, there are rules about what you can and can’t do, but gifting has become a very popular part of Inheritance Planning. However, before you gift an asset or cash to a loved one, it would be worth getting legal advice first, and our advisors can help you throughout the process.

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Work to REDUCE your Inheritance Tax (IHT) Bill

The only two guarantees in life are death and taxes and, when you die, both apply. This can add significant emotional strain to an already difficult situation for your loved ones. Reducing your IHT liability which is currently £325,000 for a single person and £650,000 for married couples (this is the amount you are able to pass on tax free) is key to ensuring that your beneficiaries receive the maximum amount possible from your estate.

Capital Life’s knowledgeable legal advisors can offer you free, expert advice on how to ensure that all your inheritance planning needs are put in place. We will take the time to discuss your personal circumstances and wishes and then ensure you have the right documents and products so your hard-earned wealth benefits those you have left behind.

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Capital Life – Why Choose Us?

At Capital Life we offer a full range of Will and Estate Planning products, to protect you and your Estate, ensuring that your assets are left to your intended beneficiaries when you are gone.

Our Inheritance Planning services include:

Our Head Office is based in Wilmslow, Cheshire; where we have brought together leading experts in their field to offer our customers and their families both an experienced yet very approachable service

Our team of experienced legal advisors are here to take you step by step through the different financial considerations you need to have in place when planning how you would like to leave what you have worked hard to achieve. We aim to make the process simple and free of jargon, so you feel comfortable that everything is taken care of. Inheritance planning is our specialist field, and we take great pride in ensuring customer satisfaction all the way from your initial consultation, through to regular updates should your circumstances change.

We can write and put in place the different legal documents you need, such as a Will and Lasting Power of Attorney, ensuring nothing is left to chance or misunderstanding. We can also guide you through the other services we offer, such as Trusts and Probate, to make sure you not only get peace of mind that everything is sorted out, but also reduce any financial burden left for your loved ones.

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Getting the right advice

Getting the right advice from the right people at the right time is critical. At Capital Life we work alongside a national network of professional legal advisors, enabling us to provide an excellent service at a time and in the environment that suits you. Our advisors have years of experience and will make the process of talking through your personal circumstances and deciding on the right documents and products for you simple and easy, giving you confidence that everything is just as you wish.

We can offer our services at your home, via the telephone or video link and we can be contacted any time between 8am and 8pm Monday to Friday, and 8 till 1pm on Saturday.

Speak to an advisor
That’s simple, just call us on 0800 411 8690 and it will be our pleasure to help you.
Arrange a video call
As well as being at the end of a phone, we can meet you virtually and talk through the different options available. Call 0800 411 8690 and request a video appointment
Personal visit
We can arrange for one of our experienced and trusted advisors to visit you in the comfort of your own home. Call 0800 411 8690 and request an appointment.
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The next steps

1One of our advisors will contact you according to your preference (phone/video/home visit)

2We’ll listen to your needs and understand how we can help. We can give you advice and explain everything clearly so you can confidently decide what you’d like to do

3You’ll then receive a welcome pack with a copy of how you’d like us to proceed

4Our legal team will then start to create your legal documents

5We’ll send you a draft document, so you can change anything you’d like to

6Once you’re happy the final document will be created

7Store your legal documents with us

8Then you can relax, knowing everything is in place

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