Delivered as PDF + editable Word document
What happens after you buy
- 1. Download instantly, link on screen and by email in under 60 seconds.
- 2. Fill it in at your pace, plain-English prompts, edit in Word or print and handwrite.
- 3. Sign it correctly, step-by-step signing and witnessing guidance is included.
- 4. Store it safely, where to keep it and who to tell, covered in the kit.
Pension IHT Update Pack
A plain-English factsheet on the 6 April 2027 pension inheritance-tax change: what it means for your estate, your will and your pension nomination.
Drafted to the Wills Act 1837 for England & Wales · No account or subscription needed · Instant download
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What’s included
- What changes on 6 April 2027, when most unused pension funds enter your estate for inheritance tax
- A worked illustration of the potential 40% charge on a typical pension pot
- What to check in your will now: residence nil-rate band, executors, charitable legacy and specific gifts
- How a pension nomination (expression of wishes) works, and a step-by-step review checklist
- The spouse and civil partner exemption explained, and why cohabiting partners need to plan
- Clear signposting on when to see a solicitor or tax adviser, with where to find one
Who it's for
- •Anyone with a defined-contribution (money-purchase) pension who wants to understand the April 2027 change
- •People reviewing a will written before the pension inheritance-tax rules were announced
- •Couples, and especially cohabiting partners, coordinating their will and pension nomination
This may not be right for you if…
- •Anyone needing personal tax advice for a large or complex estate (speak to a solicitor or tax adviser)
- •Holders of defined-benefit (final salary) or overseas pensions, which work differently
In these cases, we recommend speaking to a solicitor.
Questions about this kit
Is this legal or tax advice?+
No. It is a self-help factsheet giving general information for England and Wales. It does not give advice about your particular circumstances. For anything complex we signpost you to a solicitor or qualified tax adviser.
What exactly is changing in April 2027?+
From 6 April 2027, most unused pension funds and pension death benefits are counted as part of your estate for inheritance tax. The pack explains this in plain English, including who reports and pays the tax and what stays exempt.
What format is it?+
A four-page A4 factsheet, delivered as both an instant PDF and an editable Microsoft Word (DOCX) document. It is a factsheet to read and keep, not a form to fill in.
Does it replace my will?+
No. It helps you work out whether a will written before these changes still does what you want, and what to check. If you need to make or update a will, our will kits and bundles cover that.
Self-help template, not legal advice. WillSafe UK is operated by Richard Wood, trading as WillSafe. We are not solicitors. Our products are self-help templates for England & Wales. For complex estates, speak to a qualified solicitor. See our full disclaimer.