Blackfinch Investments announces the launch of the Blackfinch Adapt IHT Insured Service – a new optional insured add-on available on the existing Adapt IHT Service.
The Adapt IHT Service is now available in two clear options - Standard and Insured - giving advisers greater flexibility to tailor Inheritance Tax (IHT) planning solutions to individual client circumstances while providing access to the same diversified portfolio of Business Relief (BR)-qualifying investments.
The launch comes at a time when many clients are concerned about their potential IHT liability but postpone taking action. Research has found that 40% of people are worried about IHT, yet 70% of those concerned are doing nothing to reduce a potential bill. Separate research from Co-op (backed by YouGov) highlights the emotional barrier, with only around one third of people saying that they feel comfortable talking to loved ones about their own death. Together, the findings reflect a challenge advisers see regularly: IHT is on the mind, but the conversation is often delayed.
By combining a familiar BR-qualifying approach with two-year life cover that runs alongside the investment, the insured service helps advisers tackle the two issues that most often stall progress: uncertainty and avoidance. It gives clients a clear, structured answer to the “what if?” questions, which can make it easier to begin the conversation, keep it moving, and help families take meaningful steps to preserve wealth with greater confidence.
Richard Cook, Founder and Chief Executive Officer of Blackfinch Group, said: “Estate planning decisions are often emotional, and the two-year Business Relief period can feel like an uncomfortable gap for some clients. Advisers asked us for a way to bring more reassurance to that early stage, without changing what the core service is designed to achieve. This optional insured service is our response. It’s a practical example of how we keep evolving our offering, so advisers can have better conversations and clients can feel more confident in taking action.”
Adapt IHT Insured service key features:
- Two-year life cover.
- Insure 20% or 40% of initial investment, with a maximum payout of £400,000.
- Payout paid regardless of IHT position.
- Two simple premiums.
- Cover starts immediately once the premium is paid and shares are allotted.
- Straightforward claims process.
The launch of the Blackfinch Adapt IHT Insured Service reflects Blackfinch Investments’ wider approach: building long-term partnerships with financial advisors and continually strengthening the support on offer. Blackfinch works closely with advisers to understand what helps clients move from concern to action, and what gets in the way.
This insured option is a clear example of that adviser-led development. It has been shaped by real feedback from advisers who highlighted the two-year BR-qualifying period as a moment of hesitation for some clients. By adding an optional layer of reassurance without changing the underlying BR-qualifying investment approach, Blackfinch is expanding choice, removing friction from planning conversations, and helping advisers deliver a smoother client experience.
Blackfinch will continue to evolve its offering in response to adviser insight and changing client needs, with the aim of making estate planning simpler to discuss and easier to progress. Advisers can also draw on support from their regional Business Development Manager, including bespoke training, technical input on specific cases, and access to client planning scenarios and insight articles.
For more information on the Blackfinch Adapt IHT Insured Service download the Brochure.