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RL360° launches Asset Protection Plan

Loved ones will have one less thing to worry about thanks to RL360°’s newly launched financial planning solution, which protects your client’s assets after their death.

The Asset Protection Plan (A.P.P.) is the latest financial planning solution to be added to the RL360° range. It’s a combined regular premium whole of life policy and trust designed to pay out a lump sum which will fund a financial liability arising on death (such as an inheritance tax bill), preventing other assets from having to be sold.


A.P.P. is a combination of RL360°’s LifePlan and one of three of its existing trusts, to allow for three different client scenarios:


  • Non-UK domicile single or joint life/applicant who requires a lump sum on death, and possibly critical illness cover (CIC).
  • UK domicile single life/applicant who requires a lump sum on death (and possibly CIC).
  • UK domicile single or joint life/applicant who requires a lump sum on death only (no CIC)

It's suitable for:


  • Non-UK domiciled clients who have UK assets that exceed the nil rate band.
  • Or
  • Non-resident UK nationals looking to return to the UK.

RL360° Technical Marketing Manager Neil Chadwick said: “Being able to insure against a financial liability, as opposed to your estate having to sell assets to pay it after your death, is clearly the preferential option. The A.P.P. allows you to do just that.”


Click here for more on the A.P.P.