As of 13 August 2026, AI can only partly claim the transferable nil-rate band.

What to actually do

1. Hand it to a person

   The route this page recommends

   Someone with a licence or accountable authority has to sign this before it counts.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open GOV.UK guidance on inheritance tax, probate and the transferable nil-rate band, and download or note the current form and submission instructions it identifies.
   2. Gather the will, death certificate, marriage or civil-partnership evidence, earlier estate and inheritance tax paperwork, records of gifts, estate valuations and any correspondence with HMRC or the probate service.
   3. Remove unnecessary National Insurance numbers, bank details and other private identifiers, then paste the remaining document text and a fact list into the prompt.
   4. Ask the chatbot to separate supported facts from missing information and to identify the current GOV.UK form or route without guessing.
   5. Compare every drafted field with the original document and the current GOV.UK instructions, replacing any unsupported entry with a confirmation request rather than a guess.
   6. Give the completed evidence checklist and unresolved questions to the executor or personal representative, then ask a solicitor to confirm the eligibility assessment and draft before submission if the estate or earlier transfer is not straightforward.
   7. Submit the claim only through the current official route stated by GOV.UK or by the solicitor handling the estate, keeping copies of the form and supporting evidence.

   Prompt

   I need help preparing a possible UK claim for the transferable nil-rate band after a death. This is not professional advice, and you must not decide eligibility where the facts are unclear.
   
   Use only the facts and documents I provide, together with current GOV.UK guidance if you can access it. If you cannot access current GOV.UK guidance, say so and do not state current rules as facts. Do not invent names, dates, values, relationships, gifts, exemptions or tax figures. Do not guess.
   
   First, list the facts and documents needed to assess the claim, including information about the deceased person, their spouse or civil partner, any earlier death, wills, gifts, estates and inheritance tax paperwork. Then:
   1. Separate facts supported by my documents from facts that are missing or uncertain.
   2. Explain in plain English which parts appear relevant to the transferable nil-rate band and which require a solicitor or HMRC to confirm.
   3. Identify the current GOV.UK form or process that appears relevant, without relying on an outdated form name or instruction.
   4. Produce a field-by-field draft using only supported facts, leaving unsupported fields as [NEEDS CONFIRMATION].
   5. Create a final evidence checklist showing which document supports each drafted answer.
   6. List the questions I should ask a solicitor or HMRC before submitting anything.
   
   Do not submit anything, present the draft as a completed claim, or tell me that the claim will succeed. Here are the documents and facts:
   [PASTE REDACTED DOCUMENT TEXT AND FACTS HERE]

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.