When your life insurance pays out, it may be subject to inheritance tax if your money goes into your legal estate, also, it will normally go through probate. By putting your policy into trust, the money will be paid directly to the beneficiaries which will usually avoid the inheritance tax calculation and probate process. Our Customer Team (0808 168 2025) can help you to set this up. This will help to ensure that the people that you have nominated get the insurance payment as soon as possible.