Business Property Relief (BPR) was introduced in the 1976 Finances act. BPR products, sometimes known as Business relief (BR) products, allow an investor to reduce their inheritance tax liabilities down to £0 in 2 years, whilst most other IHT planning takes 7 years to fully qualify for relief.

Main features:

• Qualifying assets are not liable to IHT upon death

• We offer a product which includes life insurance in the first 2 years, ensuring the investment amount is free from IHT from day 1

Some key benefits:

• Speed – relief from either day 1 or in 2 years

• Access and control – you still own the money and can withdraw it if needed (though it will no longer qualify if taken out)

• They do not use up the nil rate band (NRB)

• Therefore you can use the NRB for less liquid assets such as your home, which are otherwise difficult to place outside of the estate for IHT purposes

We work with some of the biggest, most established providers in the market, who have seen many successful claims with the HMRC.