Bright Grey Calculators

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Find the right trust

Bright Grey finding the right trust

How to use this tool.

This interactive page will help you choose the correct trust form for an individual client. Just make the selections that apply to your client and a box will appear at the bottom of the screen to let you know which form you should use.


 

Which part of the UK does your client live in?

England

or

Wales

or

Northern Ireland

or

Scotland


Is the plan for a relevant life policy?

Yes

or

No


Is the plan for shareholder or partnership protection?

Yes

or

No


Is the plan owned by 2 people?

Yes

or

No


If one of the owners dies, does the survivor want to receive the benefits paid?

Yes

or

No



 

We suggest your client uses the...

Bright Grey Relevant Life Policy trust

Use these forms if an employer owns the plan and they want to provide life cover for one of their employees outside of a registered group life scheme.

We suggest your client uses the...

Bright Grey Business Trust (England, Wales and Northern Ireland)

Use this form if the plan is: Owned by only one person; and To provide benefits to the co-owners of your business in the event of your death or diagnosis of a critical illness.

We suggest your client uses the...

Bright Grey Split Trust (England, Wales and Northern Ireland)

Use this form if the plan is owned: by only one person; or Owned jointly by 2 people and they do not want the survivor to receive any benefits paid because of the death of the person covered.

We suggest your client uses the...

Bright Grey Split Trust +30 (England, Wales and Northern Ireland)

title='Use this form if the plan is owned: jointly by 2 people; and they do want the survivor to receive the gifted benefits if one of them dies.

We suggest your client uses the...

Bright Grey Business Trust (Scotland)

Use this form if the plan is: Owned by only one person; and To provide benefits to the co-owners of your business in the event of your death or diagnosis of a critical illness.

We suggest your client uses the...

Bright Grey Split Trust (Scotland)

Use this form if the plan is owned:
by only one person; or Owned jointly by 2 people and they do not want the survivor to receive any benefits paid because of the death of the person covered.

We suggest your client uses the...

Bright Grey Split Trust +30 (Scotland)

Use this form if the plan is owned: jointly by 2 people; and they do want the survivor to receive the gifted benefits if one of them dies.


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Bright Grey. More financial sense from Royal London

We are backed by the financial strength and stability that comes from being part of the Royal London Group, the UK’s largest mutual life and pensions company.

Bright Grey is a division of The Royal London Mutual Insurance Society Limited which is authorised and regulated by the Financial Services Authority No. 117672.
Group registered VAT number 368 5244 27.

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