Protection Packages Individual £750 | Couples £1,100

A standard Will decides who inherits.

A trust-based Will also decides how and when they inherit — protecting assets for children, safeguarding partners, and reducing exposure to remarriage, care fees, or creditors.

It’s the most effective way to balance fairness, flexibility, and security within one clear legal framework.

Each package includes

• A Standard Will

• Your chosen Trust

• Severance of tenancy and Land Registry restriction (if required)

• Letter of Wishes (if required)

A) Right to Occupy (RTO)

Gives someone the right to live in one of your properties for life or for a set time or event.

You can allow the property to be sold and another bought on the same terms, enabling the occupant to downsize if needed.

On sale, any surplus normally passes to your chosen beneficiaries.

B) Property Life Interest Trust (PLIT)

Grants the surviving partner a life interest in the home.

They may live there, move, downsize, or receive rent or income from it.

When the life interest ends, your share passes to the beneficiaries.

Provides protection against remarriage, care fees, insolvency, or third-party claims, while preserving the home’s value for children or stepchildren.

C) Discretionary Trust (DT)

Lets trustees decide when and how to help beneficiaries.

Useful for younger adults, unstable relationships, or where someone may need financial guidance or protection from themselves or others.

Trustees can release funds for education, health, or welfare as needed, ensuring flexible and fair support.

D) Nil Rate Band Discretionary Trust (NRBDT)

Helps unmarried couples or widowed individuals make the best use of inheritance tax allowances and preserve the Residence Nil Rate Band (RNRB) where available.

Typically used for estates between £2 million and £3 million, but also relevant where tax planning or remarriage protection are priorities.

E) Vulnerable / Disabled Person’s Trust (VPT)

Provides ongoing support for beneficiaries with long-term care or disability needs while protecting entitlement to means-tested benefits.

Ensures trustees can manage funds responsibly for the person’s well-being without reducing their access to official support.

F) Life Interest Trust (LIT)

Protects all assets and multiple gifts if required, giving a named life tenant access to income or use of property while capital passes directly to the children at the end of the trust.

Offers high protection and automatic Residence Nil Rate Band (RNRB) inheritance-tax efficiency.

G) Flexible Life Interest Trust (FLIT)

Combines the strengths of life-interest and discretionary trusts.

The surviving spouse or partner benefits during their lifetime while assets stay safeguarded for children.

Trustees can advance capital if circumstances justify it, giving flexibility for modern and blended families without losing long-term protection.

Additional Trusts

Additional trusts can be included within any Protection Package for £150 each, whether for an individual or couple.

Example: a client choosing a Property Life Interest Trust may also add two Vulnerable Person’s Trusts to provide extra protection for specific beneficiaries, adding £300 in total.

Important Notes

Fern Wills & LPAs drafts your trusts within the Will and ensures your intentions are clearly recorded.

We do not act as trustees or register trusts. Most trusts must be registered with the Trust Registration Service (TRS) within 90 days of activation, with any later updates or 10-year/exit charges handled by the trustees.

We can introduce trusted professionals who specialise in registration or taxation if required, and we will support your executors through probate or trust administration directly or by introduction.