For many mortgage advisers, protection is part of the advice process- especially life cover to repay the mortgage if a borrower dies. But what’ s often overlooked is the importance of placing that protection into trust.

Trusts are widely used to ensure life cover pays out swiftly and tax-efficiently. But for mortgage advisers, they can sometimes feel like a step too far- something for‘ tax specialists’ or‘ wealth advisers’ to worry about, are two objections I’ ve come across in recent months.

That’ s a missed opportunity. Because writing life cover into trust is one of the simplest and most effective ways to deliver better outcomes for clients- and to meet regulatory expectations under the Consumer Duty.

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