What to keep in mind when preparing for your quote...

Your Health

Your health plays a significant role in your life insurance application. Insurers typically require applicants to undergo a medical examination or provide detailed health information to assess their risk profile.

Your Occupation

Now we know a bit more about you and what you want, we’ll search our panel of lenders for the right mortgage. We’re a whole of market broker, which means we’re not tied to one particular lender and have access to the best products from a range of banks, building societies and specialist lenders.

Your Age

Having found the right mortgage for you, we’ll talk you through it and explain all the features and benefits and how it meets your needs.

Your Lifestyle

Our dedicated team at (name of firm) will be with you all the way through the process – from application to completion. Here for whatever you need, whenever you need it.

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FAQ: Whole of Life Insurance - Your Questions Answered

Whole of life insurance is a type of life insurance policy that provides cover for the entirety of your life, rather than a set term. This means that when you die, the policy will pay out a lump sum to your loved ones, regardless of when that may be.

The cost of whole-of-life insurance will vary depending on the amount of cover. The more cover you have, the higher your monthly premium will be. Every life insurance quote will be personalised to you and your lifestyle. Generally, the younger and healthier you are when you take out the policy, the lower your premiums will be.

Whole of life insurance provides a range of benefits, including peace of mind that your loved ones will receive a lump sum when you die, regardless of when that may be. It can also provide a useful source of inheritance tax planning and help cover the costs of funeral expenses.

Yes, many whole-of-life insurance policies offer the flexibility to change the level of cover over time. This can be useful if your circumstances change, such as if you have children, get married or divorced, or experience a change in your health.

Whole of life insurance can be a suitable option for many people, particularly those who want lifelong cover and the peace of mind that comes with it. However, it may not be the best option for everyone, and it’s important to speak to a financial adviser to determine whether it’s the right choice for you.

This depends on your situation and the amount your beneficiaries will need when you pass away. Whole of life insurance is most commonly used to cover the cost of a funeral or to cover the cost of an inheritance tax bill.

Yes, whole-of-life insurance costs more than a traditional life insurance policy for the same cover amount. This is because the policy is guaranteed to pay out at some point. With this cover, you’ll never stop paying it until you pass away, so you should get proper financial advice before committing to any life insurance policy.

This is down to personal circumstances and how much cover you need. There are different types of life insurance to cover all your needs, they are:

  • Term assured
  • Family income benefits
  • Whole of life

Each one has different benefits and will come at different costs for the agreed term.

Got more questions? Speak to one of our advisors

Be prepared for whatever life brings your way.

Life is full of surprises, and while some are good, others can catch us off guard. That's where whole of life insurance comes in. It's designed to give you peace of mind, knowing that your loved ones will be financially protected no matter what happens.

Whole of life insurance covers you for your entire life, and pays out a lump sum to your loved ones when you pass away. It's a great way to ensure that your family is taken care of, even if you're no longer around to provide for them.

With a range of options to choose from, our whole of life insurance policies are designed to fit your specific needs and budget. Get peace of mind knowing that your family will be taken care of, no matter what the future holds.

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