Putting a life policy in trust has many benefits. For a start the proceeds of such a policy will bypass the deceased’s estate and as such beneficiaries will receive the money quicker and without any inheritance tax implications. It also gives the policyholder greater control over who receives the assets. Much work has been done by insurers in recent times to introduce digital and sometimes signatureless trusts. Royal London are one insurer to do this and to complement this they have also introduced an alternative to trusts designed for simple needs. In this article we look at what this new offering is along with the other capabilities they have introduced throughout the year.