What is Whole of Life Cover?

Whole of life insurance or whole of life cover, as you’d expect, is an insurance plan that lasts for a whole lifetime, and is not limited to a specific term. If you pass away this policy will provide a lump sum payment to your family. 

How does it work? 

When you take out a whole of life insurance plan, we’ll help determine the level of cover you need. It will depend on your circumstances and those dependent on you. You will then pay a set amount on a regular basis, usually by direct debit. The policy will then pay out a lump sum to your family, should you die. The premium is also guaranteed never to increase.

Who is Whole of Life for?

This plan will suit people who wish to have cover for the rest of their life – and not just a specified term. It will appeal to those who have assets that they wish to protect against inheritance tax. Whole of life Cover can be taken out by anyone aged between 45 and 74 years of age.


Life Insurance means your loved ones are financially protected if misfortune strikes.


Your lump sum payment may be used to cover funeral expenses.

To discuss your whole of life insurance, just get in touch!

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The 8 Most Important Things You Need To Know Before You Take Out Life Cover

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