Frequently Asked Questions
We are here to help you.
Getting Started
Answers to questions about getting started. Start here if you are here for the first time.
Fees and Payments
Answers to questions about our fee structure and business model.
My Account
Answers to questions about managing your account and the features and benefits.
Getting Started
Does the policy have to be set up in a trust?
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Yes. GLA policies are designed to pay benefit to discretionary trusts. The trust would then distribute benefit on to beneficiaries:
  • whilst protecting the benefit from 3rd parties
  • without having to wait for probate
  • without Inheritance Tax liability on the benefit
Do I have to set up the trust myself or can i partake in an existing trust?
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An employer can set up their own trust or choose to use the insurer’s master trust.
What’s the difference between a ‘Registered’ and an ‘Excepted’ scheme?
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Registered group life policies are set up under pension legislation, meaning lump sum benefits from life insurance get aggregated with those from other registered pension schemes and tested against the Lifetime Allowance (LTA). Any amount above LTA may be subject to tax.

Excepted group life policies are subject to life insurance legislation, not pensions legislation and are not tested against the LTA. However, the benefit is subject to the normal tax rules for discretionary trusts, meaning periodic charges and exit fees may apply, though usually no more than 5% max.
Is my data safe?
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Banking level encryption, authentication and security ensure you and your data could be no safer.
Do I get support?
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On hand specialists will support you with all insurance and platform requirements.
What do I pay?
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Our core platform is free, funded by our additional insurance broking services.
Fees and Payments
How can I make a payment?
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Yes. GLA policies are designed to pay benefit to discretionary trusts. The trust would then distribute benefit on to beneficiaries:
  • whilst protecting the benefit from 3rd parties
  • without having to wait for probate
  • without Inheritance Tax liability on the benefit
How do I get a payment receipt?
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Yes. GLA policies are designed to pay benefit to discretionary trusts. The trust would then distribute benefit on to beneficiaries:
  • whilst protecting the benefit from 3rd parties
  • without having to wait for probate
  • without Inheritance Tax liability on the benefit
Is my data secure?
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Yes. GLA policies are designed to pay benefit to discretionary trusts. The trust would then distribute benefit on to beneficiaries:
  • whilst protecting the benefit from 3rd parties
  • without having to wait for probate
  • without Inheritance Tax liability on the benefit
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