Protection Packages Individual £750 | Couples £1,100
A standard Will decides who inherits.
A trust-based Will also decides how and when they inherit — helping protect assets for children, safeguard partners, and reduce exposure to remarriage, insolvency, or third-party claims.
The right structure depends on the family, the assets, the tax position, and whether the people involved are comfortable with ongoing trustee involvement.
It can be an effective way to balance fairness, flexibility, and security within one clear legal framework — where the structure matches the family and the job it needs to do.
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.
Can help protect against remarriage, 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 helping protect entitlement to means-tested benefits.
Ensures trustees can manage funds responsibly for the person’s well-being, with less risk of disrupting means-tested 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 strong protection and can be Residence Nil Rate Band (RNRB) efficient when drafted correctly and where the home (or its value) is ultimately closely inherited by direct descendants.
A life interest trust can work very well where the job is clear, but it is not the right answer for every family and should be matched to the assets, tax position, and intended beneficiaries.
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.
That flexibility can be very useful, but it also means more trustee judgement and, in some cases, more ongoing administration than a simpler structure.
Additional Trusts
Additional trusts can be included within any Protection Package for £150 each.
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.
Planning primarily to avoid care fees is risky and can be treated as deliberate deprivation. Many clients are willing to pay a fair contribution and typically use Will trusts mainly for survivor protection and keeping inheritance on track; any care-fees impact is secondary and never guaranteed.
We do not act as trustees or register trusts. Some trusts need to be registered with the Trust Registration Service (TRS). Will trusts are generally excluded during estate administration (and for up to 2 years after the death). If a trust continues beyond that, or becomes taxable, trustees usually need to register it and keep the details updated. Any later updates and any 10-year or exit charges are handled by the trustees (with specialist support if needed).
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.
