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Pensions & Inheritance Tax – What's Changing?

From April 2027, most unused pensions will count towards your estate.

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Things to know about pensions and inheritance tax

Why it matters

What to check

1. The rules are changingPensions have usually been outside your estate, but that changes from April 2027.
1. Who have you nominated?Make sure your wishes are up to date with each pension provider.
2. Your family could pay moreSome beneficiaries may also pay income tax on what they inherit.
2. Could your pensions push your estate over the threshold?Adding them in could mean inheritance tax becomes due.
3. Planning ahead can helpThere may be options, depending on your circumstances.
3. Does your plan still make sense?If you were saving your pension to pass on, it may need a fresh look.

Everyone's situation is different. Talk it through with a pension expert, free and with no obligation.

How it works

1
Enter your postcode above. We take your privacy seriously, and we'll match you with a local pension expert.
2
Tell us what you'd like help with: pensions and inheritance tax, plus anything else on your mind, like nominating beneficiaries or planning what to pass on.
3
A local expert will be in touch to arrange your free, no-obligation consultation at a time that suits you.

Why use an FCA regulated pension adviser?

  • Free consultation with no obligation
  • Must act in your best interests
  • No hidden fees
  • Saves you time and effort

"I wanted to understand how changes to inheritance tax rules might affect the estate I intend to leave to my family."

— S. Halls

"I needed to look at how my pension death benefits fitted into my wider estate-planning arrangements and whether my nominated beneficiaries were up to date."

— M. Hawkes

"I wanted a clearer picture of the potential tax consequences for my family and which parts of my estate plan might need reviewing."

— S. Shepherd