2027 Pension IHT Exposure Scorecard

Are the 2027 Pension IHT Changes Going to Affect Your Family?

Discover your personalised IHT & Pension Exposure Score in under 3 minutes

From April 2027, most unused pension funds may be treated as part of your estate for Inheritance Tax. Combined with frozen IHT thresholds and rising property values, many families could face unexpected tax bills.

This quick scorecard helps you understand how exposed you might be and where simple planning could significantly improve outcomes for you and your loved ones.

It takes just 3 minutes
It’s completely free
Helps you see whether your gifting or inheritance plans are on the right track
Helps you decide whether action is needed
Receive customised results instantly

How it works:

1. Answer a Few Simple Questions

You’ll be guided through 12 quick multiple-choice questions about your pension, estate and planning arrangements.
There’s no jargon and no documents needed — just choose the answer that best reflects your situation.

2. Get Your Personalised Exposure Score

Once completed, you’ll instantly see how exposed you may be to Inheritance Tax and the upcoming 2027 pension rule changes.
Your score is broken down into four areas so you can clearly see where you’re strong and where there may be gaps.

3. Receive a Full Report by Email

A more detailed breakdown is emailed to you automatically.
This includes your category scores, explanations, and suggestions on what you may wish to consider next.

4. Optional: Book a Free Consultation

If you’d like to talk through your results or explore what they mean for your family, you can book a free 30-minute call with a qualified adviser.
There’s no cost and no obligation — just clarity.

You’ll be scored against the following key areas:

Estate Size & IHT Awareness

This covers:

Understanding the size of your estate
Awareness of IHT thresholds
Impact of frozen allowances and rising asset values

Pensions & the 2027 IHT Rules

This covers:

Knowledge of the 2027 pension changes
Whether your pension is being left untouched for inheritance
Whether death benefit nominations are up to date

Family Structure, Protection & Paperwork

This covers:

Marital/relationship status
Wills and Powers of Attorney
Practical readiness for costs and delays on death

Action, Gifting & Generational Wealth Planning

This covers:

Using allowances and lifetime planning
Confidence in meeting your own needs before gifting
Frequency of professional estate/IHT reviews