Protect your legacy for generations to come.
Ensure your assets are distributed according to your wishes — with minimal tax and maximum clarity for your family.
- Section 72 policies — pay CAT tax-free
- Inheritance tax planning & exposure analysis
- Straightforward, expert guidance
When you pass away, your beneficiaries may face a significant Capital Acquisitions Tax (CAT) bill on what they inherit. In Ireland, CAT is charged at 33% on the value of inheritances above the relevant tax-free threshold — and with property values as high as they are, many families are exposed to large bills they haven't planned for.
The most efficient and commonly used solution is a Section 72 life insurance policy — a specially approved policy under Section 72 of the Capital Acquisitions Tax Consolidation Act 2003. When the policy pays out, the proceeds are used exclusively to pay the inheritance tax bill — and that payout is itself exempt from CAT, making it an extremely tax-efficient strategy.
At Elite Financial Services, we'll calculate your family's likely CAT exposure, explain the thresholds clearly, and structure the right Section 72 policy to protect your estate — all in plain language, no pressure.
Section 72 Life Insurance
A Section 72 policy is a specially structured life insurance policy that pays out tax-free specifically to cover an inheritance tax (CAT) bill. It keeps your estate intact and avoids forced asset sales.
Inheritance Tax (CAT) Planning
Capital Acquisitions Tax in Ireland is charged at 33% on inheritances above the relevant threshold. We'll map your exposure and structure the most cost-effective solution.
Joint Life Policies for Couples
We can arrange a second-death (last survivor) policy designed to pay out when it is needed most — when the second partner passes and the family faces the tax bill.
Life Insurance for Estate Liabilities
We structure the right level of life cover to meet the exact projected CAT liability, so your beneficiaries receive the full value of what you've built.
Other ways we protect families
Life Insurance
A lump sum for your loved ones if the worst happens — so their future stays secure.
Mortgage Protection
Required by Irish lenders — pays off your mortgage balance if you pass away during the term.
Serious Illness Cover
Receive a lump sum on diagnosis of cancer, heart attack, stroke and over 90 covered conditions.