Exciting news!
We’re proud to launch the Aviva Flexible Reversionary Trust (FRT), a powerful new estate planning solution that gives your clients more control, flexibility, and tax efficiency than ever before.
Built to work seamlessly with our new Onshore Bond , the FRT helps clients reduce inheritance tax (IHT) liabilities while still allowing access to capital. It’s a smart, modern approach to wealth preservation that puts flexibility at the heart of estate planning.
The need for flexibility is growing
As more clients face IHT due to the extended freeze on the nil-rate band and upcoming changes to inherited pensions, estate planning is becoming a priority for a wider audience, not just the very wealthy.
That’s why we’ve designed the FRT to offer a more adaptable alternative to traditional trust structures. It’s ideal for clients who want to retain access to their capital while still planning effectively for the future.
Key features of the FRT
The FRT allows clients to gift their Onshore Bond into a trust while keeping the option to receive capital payments in the future.
How to complete an FRT application
We’ve made setting up the Flexible Reversionary Trust (FRT) as straightforward as possible. First, complete an Onshore Bond application on the Aviva Platform. Once the application is complete, download it and send it to Onshorebond@aviva.com along with the completed Flexible Reversionary Trust Deed. When we have processed the application you'll get told the new Onshore Bond account number and you will be able to send us a single payment at this point (make sure you quote the account number).
For help and information on the Flexible Reversionary Trust, please speak to your usual Aviva contact.
Support documentation
Here are some key documents to help you get started: