Guaranteed cover, however long you live
Guaranteed cover, however long you live
Unlike term policies, whole of life cover has no end date — it pays out whenever you die, as long as premiums are kept up. It's often used for inheritance tax planning or funeral costs.
Is Whole of Life the Right Choice?
Because premiums typically run for life and can rise with age, whole of life cover isn't always the most cost-effective option. We'll help you compare it honestly against term assurance.
Five ways we help protect you and your family
A lump sum paid to your loved ones if you die during the policy term — the simplest, most affordable way to protect your family's future.
A tax-free lump sum if you're diagnosed with a specified serious illness, giving you breathing space to focus on recovery, not finances.
A regular income if you're unable to work due to accident or illness, so your bills keep getting paid even when your pay cheque doesn't.
Covers your mortgage repayments for a set period if you're unable to work, so you won't fall behind and risk losing your home.
Cover that lasts your entire life rather than a fixed term, often used for inheritance tax planning or funeral costs.
Buying, remortgaging or moving home? Speak to an independent mortgage adviser.
Want to protect your family, home or income? We'll help you find the right cover.
Not sure where to start? Get in touch and we'll point you in the right direction.