Inheritance Tax Insurance
Protect Your Family from Capital Acquisitions Tax (CAT)
When a loved one passes away, the last thing your family should worry about is a large tax bill. In Ireland, Capital Acquisitions Tax (CAT) at 33% can create significant pressure on inherited assets, especially with rising property values. CUsafe Inheritance Tax Insurance helps credit union members arrange cover so your family can receive their inheritance without financial stress.
Want to know more? Talk to one of our advisors today by calling 01 802 2354, or fill out the Get Insured form below.
Why Do You Need Inheritance Tax Cover?
Inheritance tax can catch many families by surprise. With property prices rising, more estates are now subject to CAT. CUsafe can help you arrange protection so your loved ones are not left with an unexpected tax liability.
- Tax rate is 33% on amounts above the thresholds
- Rising property values push more families over the limits
- Thresholds are limited and vary by relationship
- Cohabiting couples are often particularly vulnerable as they do not receive the full spouse exemption
Thresholds:
Children (Group A) – up to €400,000 tax-free
Other relatives e.g. siblings, nieces/nephews (Group B) – €40,000
Unmarried partners or non-relatives (Group C) – €20,000
What Can Inheritance Tax Insurance Include?
The most common solution is a Section 72 Life Insurance Policy, designed specifically to pay inheritance tax when it falls due. These policies typically provide:
- Joint life, second death cover – pays out on the second parent’s death
- A tax-free lump sum to settle the CAT bill with Revenue
- Flexibility to increase cover as asset values grow
- Peace of mind that your family won’t face a forced sale of assets
Who do I talk to about Inheritance Tax?
Many families don’t realise the potential tax bill until it’s too late. At CUsafe, our team will:
Review your estate and estimate the potential CAT liability
Explain thresholds and exemptions in plain English
Recommend suitable Section 72 policies
Keep your cover up to date with current tax rules
Work alongside your solicitor or accountant if needed
Talk to Áine & Cassie’s Team
Life and Pensions
Why not talk to Áine & Cassie’s team about your planning for your future? With years of experience in Life & Pensions, we are here to make sure you get the right cover for you and your family.
Reach out today – We’re just a call or click away!
Why Choose CUsafe for Inheritance Tax Insurance?
CUsafe specialises in helping credit union members protect their family from Capital Acquisitions Tax (CAT). With us, you’ll benefit from:
- Independent advice across multiple Irish insurers
- Expertise in Section 72 Inheritance Tax policies
- Tailored cover for families, cohabiting couples, and high-value estates
- Clear, confidential advice with no jargon
- Ongoing reviews to keep your cover up to date with tax law changes
Friendly local team offering personalised assistance for credit union members.
Inheritance tax solutions designed around your estate, family situation and goals.
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Reliable protection with excellent service, specially for credit union members.
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Protect Your Legacy Today
Protect your family’s inheritance from unexpected tax. CUsafe’s Inheritance Tax Insurance helps ensure your wealth passes on as intended, without the burden of a hefty Revenue bill.