From April 2027, the rules around pensions and Inheritance Tax (IHT) are changing in a way many people still aren’t aware of — and the impact for families could be significant.

For years, pensions have been viewed as one of the most efficient ways to pass wealth to the next generation. But under the new proposals, unused pension funds and certain death benefits may become part of your taxable estate, pushing more families over the IHT threshold.

While the final detail is still being confirmed, one thing is clear:
the number of households affected by IHT is likely to rise.

And with frozen thresholds and higher asset values already dragging more estates into the net, many people now want a clearer picture of where they stand.

To help, we’ve created something simple and practical.

---

⭐ Introducing the 2027 Pension & IHT Exposure Scorecard

This short, free online scorecard has been designed to help you quickly understand:

• Whether your pension could be affected by the 2027 IHT changes
• How close your estate might already be to the IHT threshold
• Whether your paperwork (wills, POAs, nominations) is fit for purpose
• How confident you can be that your long-term needs are covered before gifting
• What areas may benefit from a review

And you don’t need documents, figures or specialist knowledge.
It’s all straightforward and quick.

---

⭐ How it Works

1. Answer 12 simple questions

No financial data needed — just select the option that best reflects your current situation.

2. Receive your personalised exposure score

You’ll instantly see whether you’re:

• On the front foot
• Potentially exposed
• or at high risk of the 2027 changes affecting your family.

3. Get a full breakdown by email

We send you a more detailed report, covering:

• Estate size & awareness
• Pensions & the 2027 rules
• Family structure & paperwork
• Generational wealth planning

4. Optional: Request a free 30-minute review or take our separate Pension IHT Calculator

If your result flags anything uncertain, you can ask to speak with one of our advisers or take the separate Pensions IHT Calculator to discover your potential liability.

---

⭐ Why This Matters More Than Many People Realise

The combination of frozen IHT thresholds, rising property prices, and the proposed pension rule changes means:

• More estates will exceed the nil-rate band
• More families will face unplanned 40% tax charges
• Pensions may no longer provide the shelter they once did
• Simple oversights (e.g., outdated nominations) can have big consequences

Many people assume these rules won’t apply to them — until they do.

This scorecard provides a quick first step to help you understand whether:

• Your estate may be exposed
• Your pension strategy still makes sense
• Your paperwork is up to date
• Or whether a review might be worthwhile

---

⭐ Who Is the Scorecard For?

It’s ideal for:

• Individuals and couples approaching or in retirement
• Anyone treating their pension as an inheritance pot
• Homeowners near or above IHT thresholds
• People thinking about passing wealth to children or grandchildren
• Anyone who simply wants clarity

---

⭐ Take the Scorecard

The assessment takes less than 3 minutes.

👉 Start your Pension & IHT Exposure Scorecard here

Your answers are confidential, and your full report will be emailed to you immediately.