As the cost of insurance to cover inheritance tax bills rockets, the number of families faced with selling their homes to pay the tax has risen as house prices soar and the £325,000 IHT allowance and £175,000 home allowance remain frozen. For example, a £2m estate five years ago would be worth £2.8m today leaving the tax bill for a married couple at £460,000, up from £400,000 before. A life-policy payout can be used to cover the future bill in place of assets from the estate. But a 20-year life policy would still leave the couple with a £60,000 shortfall unless they doubled their monthly premiums. Advisers are now urging people to review their plans to make sure they can still afford future bills.