Is your life cover written in an appropriate trust?

Check that all your life insurance policies that will pay out on your death are "written in an appropriate trust."This will ensure that their value passes straight to your family (or other beneficiaries), avoids your will and therefore is not liable for IHT.

This is a relatively simple procedure, which might have already been carried out when you took out the policy. If not it can be easily added in to the legal documentation in your policy.