A Life Insurance Trust Deed is commonly used in England and Wales when individuals wish to ensure their life insurance proceeds are managed efficiently and distributed according to their wishes while potentially reducing inheritance tax liability. The document is particularly valuable for estate planning, as it can help keep insurance proceeds outside of the settlor's estate for tax purposes. The deed establishes the trust structure, defines the powers of trustees, identifies beneficiaries, and provides detailed instructions for the management and distribution of the insurance proceeds. It must comply with English trust law principles and relevant financial services regulations.
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1. Parties: Identifies settlor, trustees, and beneficiaries
2. Background: Details of the life insurance policy and purpose of the trust
3. Definitions: Key terms used throughout the deed
4. Declaration of Trust: Formal creation of the trust arrangement
5. Trustee Powers: Specific powers granted to trustees
6. Trust Terms: Main operative provisions of the trust
7. Beneficiary Provisions: Rights and entitlements of beneficiaries
1. Appointment and Removal of Trustees: Additional provisions for trustee succession arrangements when default statutory provisions are insufficient
2. Administrative Provisions: Additional administrative powers and procedures for complex trust arrangements
3. Delegation Provisions: Specific powers of delegation when trustees need explicit delegation authority
1. Schedule 1 - Life Insurance Policy Details: Specific details of the insurance policy being placed in trust
2. Schedule 2 - Initial Trust Fund: Details of any additional assets placed in trust
3. Schedule 3 - Beneficiary Classes: Detailed definitions of beneficiary classes and their respective interests
4. Appendix A - Trustee Powers: Comprehensive list of trustee powers beyond statutory provisions
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