Whole of Life Insurance
A guaranteed payout whenever you die — ideal for inheritance tax planning, funeral costs or leaving a legacy.
FCA Regulated
Extensive Lender Panel
Based in Uxbridge
UK Wide Coverage
24hr Response
5★ Reviews
Unlike term life insurance, whole of life insurance has no fixed end date — it guarantees a payout whenever you die. This makes it particularly useful for inheritance tax planning, covering funeral expenses or ensuring you leave a specific sum to your family regardless of when you pass away.
Types of Whole of Life Policy
- Guaranteed whole of life — premiums and cover are fixed for life
- Reviewable whole of life — premiums may increase at review points
- Over 50s plans — guaranteed acceptance with no medical questions (lower payouts)
- Unit-linked whole of life — part protection, part investment
Common Uses
- Inheritance tax planning — written in trust to pay the IHT bill
- Funeral costs — ensure your family isn't burdened
- Legacy planning — leave a guaranteed sum to children or grandchildren
- Estate equalisation — balance inheritance between beneficiaries
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Ready to Get Started?
Speak with one of our expert advisers today — initial consultation at our expense, and without obligation.