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Chartered Financial Planners
for Farmers and Rural Businesses

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Estate Planning Protection Insurance Inheritance Taxation 

Could Whole of Life protection help safeguard your farm from rising Inheritance Tax?

Amy Woolliscroft24th July 2026
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For generations, farming families and rural business owners have relied on Agricultural Property Relief (APR) and Business Relief (BR) to help pass assets to the next generation with minimal Inheritance Tax (IHT).

But as we know, recent government changes to these reliefs, together with the planned inclusion of most unused pension funds within an estate for IHT purposes from April 2027, mean many more families are likely to face an unexpected tax bill.

And if you think you’ve already covered the likely IHT bill with Whole of Life protection – just double check it’s held in trust, otherwise you could actually be adding to your beneficiaries’ problems!

Our latest Financial Pulse Newsletter, which you can download below explores what you can do to help mitigate the increasing chances of encountering a liability.

Click here to download the Financial Pulse Newsletter.

Tax rules and reliefs depend on individual circumstances and may change over time. As a result, tax outcomes will differ between investors and your financial adviser will consider this alongside your wider financial position.

SJP Approved 24/7/2026