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As personal circumstances are subject to change at very short notice, it is vital that your protection reflects your personal requirements.Smarter Cover is here to help you with that. We are an independent life insurance brokerage, created to help you identify the most suitable policy, from some of the biggest life insurance providers in the UK.Free Trust ServiceReduce delays due to probate and potentially avoid Inheritance Tax (IHT)When your life insurance policy is paid out, it would normally go through probate and, if it goes into you legal estate, may be subject to inheritance tax. By putting your life insurance policy into trust, the money will be paid directly to the beneficiaries which usually avoids the probate process and IHT calculation.We offer to set this up on all our policies, for free.Just contact us on: 0800 012 4402 to get your free quote.