Whole of life
Lifetime cover, guaranteed to pay out
Whole of life insurance covers you for the rest of your life. As long as you keep paying premiums, your loved ones receive a payout when you die — whenever that happens.
Why people choose whole of life
Because it always pays out, whole of life is often used for estate planning — to help cover an inheritance tax bill, leave a legacy, or make sure funeral costs are taken care of.
Guaranteed vs reviewable premiums
- Guaranteed premiums — the monthly cost is fixed for life. Simpler, and easier to budget for.
- Reviewable premiums — the insurer reviews your premiums every few years and they may rise. Often cheaper to start with.
Writing your policy in trust
Placing a whole of life policy in trust usually means the payout doesn't form part of your estate for inheritance tax — and reaches your beneficiaries faster. We can help you understand your options.
Ready to protect what matters most?
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