Example: risk of early death
Dylan raised £36,000 by selling 75% of his house worth £100,000. On Dylan’s death, the provider will take 75% of the house value in exchange for an initial release of £36,000. This may be seen as excessive if Dylan dies soon after starting the plan and will reduce the family’s inheritance.
Some providers will compensate for this by paying a lump sum to the estate if the customer dies within a specified period.
CeRER26 6.10.1 Example risk of early death
LTs for LIBF
Created on February 18, 2026
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Transcript
Example: risk of early death
Dylan raised £36,000 by selling 75% of his house worth £100,000. On Dylan’s death, the provider will take 75% of the house value in exchange for an initial release of £36,000. This may be seen as excessive if Dylan dies soon after starting the plan and will reduce the family’s inheritance. Some providers will compensate for this by paying a lump sum to the estate if the customer dies within a specified period.