Howden
Financial Advisor - Life & Inheritance Tax
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Financial Advisor - Life & Inheritance Tax
Job Title: Highly Experienced Financial Adviser (Specialist in IHT & Wealth Structuring)
About the Role
We are seeking a highly experienced Financial Adviser to join a specialist advisory team, focused on delivering bespoke life insurance solutions for:
- Inheritance tax (IHT) planning
- Business succession
- Wealth structuring for high net worth (HNW) and ultra-high net worth (UHNW) clients (typically clients with estate values of £10m+)
This is not a volume sales role—it’s a technical, consultative advisory position designed for high-value, complex advice-driven outcomes.
Core Focus Areas
Our proposition centres on: ✔ Complex IHT mitigation strategies, including:
- Trust planning
- Liquidity provision for tax liabilities ✔ Close collaboration with professional introducers, such as:
- Lawyers
- Accountants
- Bankers
- Private client advisers ✔ Large sum assured cases with technically challenging requirements
Role Purpose
As a Financial Adviser in this role, you will:
- Design, advise, and execute life insurance solutions within:
- IHT and estate planning frameworks
- Cross-border wealth strategies
- Act as a trusted adviser alongside lawyers, accountants, banks, and other professional stakeholders
- Manage complex high-value cases, including:
- UK and cross-border estates
- Non-UK residents and internationally mobile clients
- Integrate protection into wider financial and tax planning strategies for seamless client outcomes
Key Responsibilities
1. High Net Worth Client Advising
- Specialist protection strategies for HNW/UHNW clients, including:
- Term life and whole of life for IHT liability mitigation
- Trust-based protection structures
- Family wealth preservation
- Broader personal and business protection advice, such as:
- Life cover, Critical Illness Cover (CIC), Income Protection (IP)
- Relevant Life policies, key person protection, shareholder agreements, and loan covers
- Align solutions with client objectives, including:
- Estate equalisation
- Liquidity for tax liability settlements
- Succession planning
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2. Introducer-Led Relationship Model
- Build and nurture relationships with:
- Private client solicitors
- Tax advisors & accountants
- Banking & finance professionals
- Operate as a technical specialist, contributing insights to multi-disciplinary client strategies
- Support introducers with:
- Case structuring ideas
- Technical protection recommendations
3. Complex & Cross-Border Case Structuring
- Advise on multi-jurisdictional, non-UK domiciled clients, including:
- International asset structuring
- Global tax implications
- Handle underwriting challenges, such as:
- Large sum assured selection
- Financial justification requirements
- Enhanced underwriting needs
4. End-to-End Case Management
- Lead technical and strategic aspects of high-value cases:
- Pre-underwriting discussions
- Insurer selection & market positioning
- Coordination of evidence (financial, medical, legal)
- Work with our in-house underwriting team to:
- Negotiate competitive terms
- Achieve practical underwriting solutions
5. Technical Excellence & Compliance
- Deliver FCA-compliant advice, ensuring:
- Suitability reports & case documentation meet regulatory standards
- Stay updated with:
- Changes in IHT and tax legislation
- Protection market developments
Candidate Profile
Experience
Requirements:
- Proven track record in HNW protection or wealth planning
- Experience with high-value insurance (typically £5m+ sum assured)
- Knowledge of introducer-led advisory models
- Collaborative experience with solicitors, accountants, and tax advisors
- Exposure to:
- Complex IHT mitigation cases
- Business succession & land / farming owner estates
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Notable strengths:
- Technical depth in:
- Trust planning
- Policy ownership structures
- IHT-led protection
Qualifications
- Essential: Diploma in Regulated Financial Planning (Level 4)
- Highly desirable:
- Progress towards Chartered or STEP qualifications
Technical Skills & Expertise
Must-have competencies: ✔ UK protection products knowledge (term life, whole life, etc.) ✔ Trust & policy ownership structuring ✔ Cross-border tax & estate planning awareness ✔ Underwriting approach for high-value cases
What Makes This Role Unique?
✅ Quality-focused, not volume-driven—true technical excellence ✅ Direct interaction with HNW/UHNW clients & strategic planning ✅ Influence over long-term client outcomes ✅ Strong introducer pipeline & collaborative ecosystem
About Howden
We’re Howden, a global insurance and advisory group owned by our 24,000+ employees worldwide across 56 countries.
Culture begins with trust—we collaborate without limits and empower each other to innovate.
Whatever drives you—career progression, sustainability, or work-life balance—our diverse team stands for positive impact.
What We Offer
✔ A defined career journey where professional development is supported ✔ Flexible and hybrid working flexibility (where applicable) ✔ Reasonable adjustments policy, ensuring accommodations fit individual needs ✔ Team Culture: We’re spotting talent, not turning away talent
– apply whether your priorities match or vary!
Ready to shape the future of wealth protection? Apply today. If adjustments are needed for your needs, we’ll work with you.
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