Whole of Life

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What is Whole of Life insurance?

Whole of life Insurance could help you make financial provisions in the event of a terminal illness or death. As the name suggests, as long as you remain covered by the policy, it is guaranteed to pay out once you die.

This cover could give you the reassurance that, once you have passed away, a legacy for your family could be left, funeral costs could be taken care of, and/or any inheritance tax (IHT) liabilities* could be paid.

* We are not authorised or qualified to provide any advice on potential inheritance tax liabilities, therefore if whole of life cover is required for this purpose you would need to seek and provide confirmation of the following in writing from your IHT adviser:
• That they have provided, and accept responsibility for, the advice given and any calculations done in respect of inheritance tax mitigation.
• The full details of the protection policy the customer requires (term; amount of cover; names of lives assured and policy holders)
• Their advice regarding putting the policy in trust

How much does Whole of Life insurance cost?

The following is taken into account by insurers when establishing the cost of this type of insurance:

  • The amount of cover required.
  • The insured person(s) age when cover starts.
  • The applicant’s hobbies and pursuits – if an applicant engages in dangerous activities, the insurer may require a higher premium or exclude claims made as a result of that activity.
  • The applicant’s lifestyle – smokers generally pay higher premiums than non‑smokers. Those who drink heavily may also be required to pay higher premiums.
  • The applicant’s health – if the applicant has a medical condition that could potentially shorten their life, the insurer is likely to require a higher premium or even decline the application. Insurers will be concerned about obesity and high blood pressure, in addition to existing or past illnesses or medical conditions.

Please contact us or request a call back to discuss and receive a quote and advice on your whole of life insurance needs.

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0208 080 2880

Monday to Friday 8am to 8pm Saturday 9am to 5pm

Looking for more cover?

We have a range of options to help you protect your family’s future.

Life Insurance
Life insurance pays out a lump sum or monthly income to your loved ones if you pass away while your policy’s in place.
Critical Illness Cover
Critical illness cover can provide a lump sum should you suffer a serious illness, to help protect you and your loved ones.
Income Protection
Income protection is an insurance that can help cover your outgoings with a tax-free monthly benefit if you become too unwell to work.
Whole of Life
Whole-of-life insurance is a type of life insurance which ensures that, no matter when you die, your loved ones will receive a lump sum payout.
Home Insurance
Home Insurance can protect you from insured events that damage your home (building) or your belongings (contents).
Landlords Insurance
Landlords Insurance is essential for anyone who rents out their property. It can protect against damage to the building or replace income if your tenant stops paying you rent.
Family Income Benefit
Family Income Benefit is a type of life insurance which pays out a regular monthly income to your beneficiaries until the policy's expiry date if you die.
Business Protection
Business Protection can protect the running of your business by protecting things such as shareholders, key people and/or repaying business debts.
Commercial Insurance
Commercial insurance describes the insurances a business may need such as public liability insurance, employers’ liability insurance and professional indemnity insurance.
Call our expert
advisers now
Call from a mobile or landline
0208 080 2880
Open 7 days a week