Estate planning at every stage
We know estate planning isn’t always straightforward. So whatever your client’s situation, we can help you to deliver tax-efficient solutions.
Your partner in estate planning
At Octopus, we understand that estate planning is about more than just products or tax efficiency—it’s about helping families pass on wealth efficiently and plan with confidence for the future. For 25 years, we’ve worked alongside advisers and families, providing support at every step.
Our dedicated teams bring clarity and expertise to every conversation, providing practical tools, technical guidance, and solutions tailored to your clients’ unique needs. Whether you’re navigating complex family situations, responding to changing tax rules, or helping clients create a lasting legacy, we’re here to make planning clearer and more effective at every stage.
Why choose Octopus
A true partner
Estate planning is more than just tax efficiency – it’s about helping families protect wealth, preserve legacies, and plan with confidence.
Octopus is more than just an investment manager – we’re your partner in building confidence, clarity, and a lasting legacy.
Intergenerational expertise
Our dedicated team is here to support you and your clients at every stage, helping you deliver positive outcomes and build relationships that last across generations.
Octopus Legacy – part of the Octopus Group
Octopus Legacy provides specialist legal and administrative estate planning and bereavement support. Through our partnership, eligible clients investing in the Octopus Inheritance Tax Service can access exclusive lifetime estate planning packages.
Expert sales and teams
From technical guidance to practical support, our specialists are here to help you navigate every step.
Start the conversation. Build lasting legacies.
With Octopus as your partner, you have a complete suite of estate planning solutions and resources to help every client achieve better outcomes – today and for generations to come.
We’re here to equip you and your clients with the knowledge and tools to make informed decisions in an evolving landscape.
Understand Business Relief
Discover how Business Relief (BR) works and why it’s a vital part of modern inheritance tax planning.
Stay ahead of change
Keep up to date with the latest developments, including upcoming changes to Business Relief and how they could impact your clients’ strategies.
Access expert support
Tap into our comprehensive Knowledge Base and planning scenarios.
Estate planning solutions
Our Business Relief qualifying solutions give advisers the flexibility to tailor estate planning strategies – providing a range to suit different client needs and circumstances.
Octopus Inheritance Tax Service
Our flagship service targets a modest return over the long term and has been helping investors pass on more of their wealth for over a decade.
OITSPlus – Insured Business Relief
OITSPlus invests in the same companies as the Octopus Inheritance Tax Service and includes our two-year insurance cover for eligible investors.
Octopus AIM Inheritance Tax Service
This service helps investors pass on more of their wealth while targeting growth by investing in companies listed on the Alternative Investment Market (AIM).
Octopus AIM Inheritance Tax ISA
Investors with large ISA pots can target growth and inheritance tax exemption within an ISA wrapper.
Why Octopus Inheritance Tax Service
The Octopus Inheritance Tax Service (OITS) has been trusted by advisers and families since 2007 as a practical, tax-efficient solution for estate planning. The Service helps clients pass on more of their wealth to loved ones while maintaining flexibility and control.
What makes OITS different
Accelerated inheritance tax relief
Achieve 100% relief after just two years on qualifying assets, compared to seven years for gifts or trusts.
Access and control
Clients retain access to their investment and can withdraw funds if circumstances change.
Proven track record
Over £5.3 billion invested in companies expected to qualify for BR since inception.
Investing in the real economy
Clients’ money supports UK businesses in sectors that matter – renewable energy, healthcare, property lending, and essential infrastructure businesses.
Planning versatility
Supporting a wide range of client scenarios, including clients who want to retain access to capital, and those planning for the upcoming changes to inheritance tax treatment on pensions.
OITSPlus – added insurance for clients
OITSPlus sits alongside OITS, offering all the core benefits of OITS with an additional layer of insurance.
How OITSPlus works
Same core benefits
Inheritance tax relief, planning versatility, access, and control remain at the heart of both services.
Two-year insurance cover
OITSPlus includes Octopus’ two-year insurance policy, which can help pay any inheritance tax due if the investor passes away before the Business Relief qualification period ends (subject to eligibility and terms).
Ideal for pension planning
Especially relevant for clients drawing a tax-free lump sum from their pension to invest as part of their inheritance tax planning, particularly in light of upcoming legislative changes.
0% initial fee
As part of the OITSPlus relaunch, we’re offering a 0% initial fee on OITSPlus until 30 April 2026. This exclusive offer is available for a limited time only.
OITSPlus is our newest estate planning solution for clients under 85. It combines the benefits of Business Relief with an insurance feature that can pay up to 40% of the initial investment to beneficiaries if an eligible death occurs within the first two years (eligibility criteria apply).
To find out more about OITSPlus, speak to the Octopus team.
For advised investors only.
Risks to bear in mind
Capital at risk
These are high-risk investments. The value of an investment, and any income from it, can fall as well as rise. Investors may not get back the full amount they invest.
Tax treatment may change
The Service is based on current tax legislation which could change in the future. Tax relief depends on the companies we invest in maintaining BR-qualifying status. Tax treatment depends on individual circumstances and may change in the future.
The investment may be volatile and difficult to sell
The shares of unquoted companies could fall or rise in value more than shares listed on the main market of the London Stock Exchange. They may also be harder to sell.
BR is assessed on a case-by-case basis
We cannot guarantee that the investments we make will qualify for BR in every case in the future. HMRC will only conduct a BR assessment after the death of an investor, to confirm whether the companies invested in qualify for BR at that time.
Insurance cover
Our insurance cover only applies to eligible deaths. Ineligible deaths, or a misrepresentation in the health declaration could result in the insurer refusing to settle a claim under the insurance policy.
Ready to make estate planning easier?
Get expert guidance from our estate-planning specialists.