On-Demand Events
Paraplanners Assembly 2025:The pension IHT bombshell has landed - now what?
17 Sep 25 60 min watch
Here’s a question that might keep you awake at night: what do you tell clients who’ve spent years building pension pots specifically because they were IHT-free, only to discover that’s all changed?
On 21 July 2025, HMRC published their response to the pension IHT consultation, along with draft legislation that will bring unused pension pots into the inheritance tax net from April 2027. The writing’s been on the wall since Rachel Reeves’ October 2024 Budget announcement, but now we have the detail and it’s time to work out what this means for our clients.
This isn’t just about understanding the new rules. It’s about completely rethinking how we approach pension planning, estate planning, and the delicate balance between the two.
Les Cameron (Head of Technical, M&G Wealth)
Les took a deep dive into the practical implications of these seismic changes.
60 minute video (approximately) I Structured CPD accredited by CII and CISI
Learning outcomes
By the end of this session, you will be able to:
- clear understanding of how the new IHT rules will work in practice
- strategies you can implement immediately to help clients navigate this changing landscape
- have confidence to tackle those difficult conversations about restructuring retirement plans that too years to build
Claiming your CPD
1. The primary responsibility for paying IHT on pension assets from April 2027 lies with?
A. Beneficiaries
B. Personal Representatives
C. Pension Scheme Administrators
D. Pension Scheme Trustees
2. What is the key risk of using protection to fund an IHT liability?
A. Inflation risk
B. Lapse risk
C. Investment risk
D. Duration risk
3. What are the 2 main uses of bypass trusts?
A. Flexibility and control
B. Investment choice and tax efficiency
C. Control and tax efficiency
D. Control and investment choice
1. The primary responsibility for paying IHT on pension assets from April 2027 lies with?
A. Beneficiaries
B. Personal Representatives
C. Pension Scheme Administrators
D. Pension Scheme Trustees
2. What is the key risk of using protection to fund an IHT liability?
A. Inflation risk
B. Lapse risk
C. Investment risk
D. Duration risk
3. What are the 2 main uses of bypass trusts?
A. Flexibility and control
B. Investment choice and tax efficiency
C. Control and tax efficiency
D. Control and investment choice
Before collecting your certificate, please take a moment to provide us feedback on this session, please email prudential.distribution.team@prudential.co.uk
Complete the form below and we’ll email your CPD confirmation to you. Please use the email address that you would usually use when contacting us.
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