Inheritance Tax Insurance
Protect Your Family from Capital Acquisitions Tax (CAT)
When a loved one passes away, the last thing your family should worry about is an unexpected tax bill. In Ireland, Inheritance Tax (Capital Acquisitions Tax or CAT) applies to assets passed on, and at 33% taxation it can create significant financial pressure – especially with rising property prices. At Dolmen Insurance, we provide Inheritance Tax Insurance to help your family cover this liability, so your assets are passed on without financial stress.
Want to know more? Talk to one of our advisors today by calling 01-8022 385, or fill out the Get Insured form below.
Why Do You Need Inheritance Tax Cover?
When a loved one passes away, the last thing your family should worry about is an unexpected tax bill. In Ireland, Inheritance Tax (Capital Acquisitions Tax or CAT) applies to assets passed on, and at 33% taxation it can create significant financial pressure – especially with rising property prices. At Dolmen Insurance, we provide Inheritance Tax Insurance to help your family cover this liability, so your assets are passed on without financial stress.
- Tax rate is 33% on inherited assets above thresholds.
- Property values continue to rise, pushing more estates over the tax-free limits.
- Thresholds are limited (see below)
- Cohabiting couples are particularly vulnerable, as they do not benefit from the full spouse exemption.
Thresholds:
Children can inherit up to €335,000 (Group A) tax-free.
Other relatives (e.g. siblings, nieces/nephews) – only €32,500 (Group B).
Unmarried partners or non-relatives – just €16,250 (Group C)
What Can Inheritance Tax Insurance Include?
The most common solution is a Section 72 Life Insurance Policy, designed to cover inheritance tax when it falls due. Policies typically provide:
Joint life, second death cover – pays out when the second parent passes away
A tax-free lump sum provided to pay Revenue.
Flexibility to adjust sums assured as property and asset values change
Peace of mind that your heirs won’t face a financial burden
Example scenarios:
Cohabiting couple – jointly own a €300,000 home. If one partner dies, the survivor could face a tax bill of €44,000+.
Married couple with two children – estate valued at €1m. On the second death, children may face over €120,000 each in CAT.
With a Section 72 policy, this liability can be covered in full.
Who do I talk to about Inheritance Tax Insurance Ireland?
Many families don’t realise they face a potential six-figure tax bill until it’s too late. At Dolmen, our advisors will:
Review your estate and calculate the potential CAT liability
Explain thresholds and exemptions in plain English
Recommend solutions such as Section 72 policies (Inheritance Tax Life Insurance)
Ensure your cover is kept up to date with current tax laws
Work with your solicitor or accountant to ensure everything is structured properly
Want to know more? Talk to one of our advisors today by calling 01-8022 385, or fill out the Get Insured form below.
Talk to Áine & Cassie’s Team
Life and Pensions
Why not talk to Áine & Cassie’s team about your planning for your future? With years of experience in Life & Pensions, we are here to make sure you get the right cover for you and your family.
Reach out today – We’re just a call or click away!
Why Choose Dolmen Insurance?
Dolmen has decades of experience helping families in Ireland protect against Inheritance Tax. With us, you’ll benefit from:
- Independent advice across Ireland’s top insurers
- Expertise in Section 72 Inheritance Tax policies
- Tailored cover for families, cohabiting couples, and high-value estates
- Confidential, personal service with no jargon
- Ongoing reviews to ensure your cover keeps pace with tax law changes
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Protect Your Legacy Today
You’ve worked hard to build your wealth – don’t let Revenue take more than necessary. With Inheritance Tax Insurance from Dolmen, you can ensure your family inherits what you intended, without the stress of a large tax bill.
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