IHT Webinar: 2027 Inheritance Tax on Pensions Explained

Understanding the 2027 Inheritance Tax Changes

The UK government has recently confirmed a significant shift in the way pensions will be treated for Inheritance Tax (IHT). From 6 April 2027, unused defined contribution pensions will now be included in an individual’s estate for IHT purposes. As a result, this change could potentially expose many families to unexpected 40% tax bills.

Therefore, to help you clearly understand what’s changing, what the new rules mean for you, and how best to prepare, we are hosting a free live webinar. By attending, you will not only gain expert insights but also discover practical steps you can take to mitigate the impact of these changes.

Webinar Details

Topic: Navigating the 2027 Inheritance Tax Changes on Pensions
Date: 19th November 2025
Time: 12pm GMT
Duration: 1 hour (including live Q&A)

What You’ll Learn

During the session, our experts will break down:

• – The new IHT rules and how they apply to pensions
• – The impact on your estate planning and beneficiaries
• – Mitigation strategies (including trusts, gifting, and life insurance)
• – Practical steps you can take now to reduce future exposure
• – A live Q&A session to answer your questions

We’ll also be joined by our partners Sphere Assured, who will share insights on how life insurance solutions are increasingly being used to manage inheritance tax liabilities.

Would this Webinar Benefit Me?

This session is designed for:

• – Individuals approaching retirement
• – Families with pensions or estates above the IHT threshold
• – Executors or personal representatives
• – Anyone looking to protect family wealth from future tax changes

Sign Up to Our Webinar

Don’t wait until it’s too late, join us and learn how to safeguard your family’s future.

Your Guide to the New IHT Rules

We’ve created an in-depth, comprehensive guide to help you understand the new IHT rules, what they mean for your estate, and how you can act now to protect your wealth.

Download our guide ‘Navigating the 2027 Inheritance Tax Changes on Pensions’ here.

Want to know more? Book a free 20-minute consultation with one of our advisors to see how trusts and other mitigation strategies could work for you.

Inheritance Tax FAQ’s

Q: Will all pensions be taxed under the new inheritance tax (IHT) rules?

A: No, not all pensions will face IHT. Starting in April 2027, the government will include unused defined contribution pensions as part of your estate for inheritance tax purposes. Some defined benefit schemes will also fall under the new IHT rules. However, certain overseas pensions may stay exempt, and any lump sums you leave to charities will remain free from inheritance tax.

Q: How much can I pass on tax-free?

A: Currently, the standard IHT nil-rate band is £325,000 per person, plus up to £175,000 residence nil-rate band if passing a main home to direct descendants. Anything above this threshold is subject to an IHT charge of 40%.

Q: Is professional advice really necessary in response to these rule changes?

A: Yes. The upcoming rules are complex and have wide-reaching consequences. A tailored plan can significantly reduce your IHT exposure and prevent costly mistakes. Our tax specialists can help ensure your estate is protected and your loved ones aren’t burdened.