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2027 CHANGES TO IHT ON PENSIONS 

Avoid Tax on Your Pension – Get Expert Inheritance Tax (IHT) Advice Today

From April 2027, unused pensions will count towards your estate and could be taxed at 40%. Book a free IHT Pension Review to protect your legacy.
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Inheritance Tax Advice Tailored to You

With years of experience in estate planning and pension advice, our team of FCA registered advisers offers:

Full Estate and Pension Reviews

Personalised IHT Planning Strategies

Life Insurance to Cover Inheritance Tax

Trust Planning and Gifting Strategies

Without proper Inheritance Tax Planning, up to 40% of your estate could go to HMRC instead of your loved ones. Our expert guidance on IHT, trusts and tax-efficient strategies can help you safeguard your assets and ensure more of your wealth goes to your family - not the taxman.
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IHT TAX ON PENSIONS ADVICE

Will You Be Affected By The IHT On Pension Changes?

You may be affected by the 2027 inheritance tax on pensions changes if:
Your pension savings form a significant part of your estate
You expect your total estate (property, investments, pensions, etc.) to exceed £325,000 (or £500,000 if the residence nil-rate band applies)
You’ve planned to leave your pension untouched to pass it on to children or grandchildren
You’re aged 55 or over and haven’t recently reviewed your estate plan
You’ve previously been told pensions fall outside of IHT - that’s changing
You’re unsure how pension death benefits will be taxed after 2027
Even if your estate is currently under the threshold, including pensions may push you over it, especially if your pension remains largely unused.

We offer clear, personalised IHT advice to help you understand your liability and take action now to reduce your family's future tax bill.
Not Sure If You’re at Risk of Inheritance Tax? Use our free calculator to check your potential inheritance tax liability in under 2 minutes.
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Key Clarifications Based on Latest Guidance:

The change applies to unused defined contribution pensions (e.g. SIPPs, personal pensions, workplace pensions).
Death-in-service benefits remain exempt.
If your pension is left to a spouse, civil partner, or charity, it remains exempt from IHT.
Executors will be responsible for reporting and paying any IHT on pensions from 2027 onward.
These changes only apply to deaths occurring on or after 6 April 2027.
Further guidance and implementation details are expected in the 2025 Autumn Budget, so it’s important to stay informed and review your plans ahead of time.

Frequently Asked Questions About Inheritance Tax and Pensions

Why is it important to review pension inheritance tax planning now?

With proposed inheritance tax rule changes expected from April 2027, reviewing your pension and estate planning strategy now may provide more options than waiting until the rules change.

Early planning may allow individuals to:
Review how pensions are used within their estate
Consider tax-efficient strategies while current rules still apply
Ensure beneficiary nominations are up to date
Align pension planning with wider inheritance tax planning
Seeking professional advice can help ensure your financial plans remain appropriate as legislation evolves.

What inheritance tax planning options are available for retirees?

Retirees often have several options when planning for inheritance tax, including:
Reviewing pension beneficiary nominations
Considering how pension withdrawals fit into estate planning
Making lifetime gifts where appropriate
Reviewing investments and property ownership
Life insurance to cover your inheritance tax liability.
With proposed changes to pension inheritance tax rules from April 2027, it may be beneficial for retirees to review their financial plans sooner rather than later to ensure they are making the most of the options currently available.

What happens to pensions after death for tax purposes?

What happens to a pension after death depends on several factors, including the type of pension and the age at death.

Currently:
If death occurs before age 75, pension benefits paid to beneficiaries may be tax-free.
If death occurs after age 75, beneficiaries may pay income tax on withdrawals.
However, the government has proposed that unused pension funds may be included within the estate for inheritance tax purposes from April 2027, which could affect how pensions are treated within estate planning.

Because pension and inheritance tax rules can be complex and are subject to change, reviewing your arrangements with a financial adviser can help ensure your plans remain suitable.

How should pension holders approach inheritance tax planning?

For many individuals, pensions are one of the largest assets within their overall wealth. As tax rules evolve, it is important that pension holders regularly review how their pensions fit into their inheritance tax planning.

Things to review include:
Nominated beneficiaries
How pension benefits would be paid on death
The interaction between pensions and inheritance tax rules
Whether withdrawals or other strategies could form part of an estate plan
With pensions expected to be treated differently for inheritance tax purposes from April 2027, reviewing your plans now may provide more flexibility than waiting until the rules change.
Don't leave your loved ones with a surprise tax bill. Book your Free IHT Review now and get expert guidance on inheritance tax planning, pension structuring, and estate protection.
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FINANCIAL ADVICE YOU CAN TRUST

Why Choose Us for Pension & IHT Advice

Experts in inheritance tax planning and pension advice:
FCA registered advisers with decades of experience
Tailored estate planning for high-net-worth individuals
Clear, jargon-free advice with no obligation
Trusted by families and business owners across the UK
The 2027 pension changes could cost families hundreds of thousands. We make sure that doesn’t happen to yours

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Our IHT consultations are free and without obligation. If you decide to proceed with our advisers recommendations, a fee may apply but we’ll always be transparent and discuss any costs with you upfront.
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Inheritance Tax Planning, Estate Planning and Trusts are not regulated by the Financial Conduct Authority.

Tax treatment varies according to individual circumstances and is subject to change.

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Our review includes a full assessment of your estate and pensions, along with expert guidance on how to mitigate your inheritance tax liability.
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Inheritance Tax on Pensions is a trading style of Beals Mortgage and Financial Services Ltd an appointed representative of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Approver Quilter Financial Services Limited August 2025

Registered office address: Unit 1 Fulcrum 2 Solent Way, Whiteley, Fareham, England, PO15 7FN. Registered in England and Wales under reference 08286166

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