Whole of Life Insurance Cover that lasts your lifetime

Whole of life insurance never expires and guarantees a payout to your loved ones whenever you die — so they're left a lump sum, not a gap.

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Benefits of Lifetime Cover

Whole of life insurance provides permanent protection for your family.

Guaranteed Payout

Unlike term insurance which may expire, whole of life guarantees your family receives a payout whenever you die.

Leave a Lasting Gift

Guarantee a lump sum for your loved ones — helping with final costs or leaving an inheritance behind. Policies can be written in trust.

Fixed or Reviewable Premiums

Choose fixed premiums that never change, or reviewable premiums that start lower but may increase over time.

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How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Whole of Life vs Term Life Insurance

Understanding the key differences.

Feature	Whole of Life	Term Life Insurance
Duration	Lifetime — never expires	Fixed term (10-40 years)
Payout	Guaranteed whenever you die	Only if you die during the term
Cost	Higher premiums	Lower premiums
Best for	Lifetime cover, leaving a lump sum behind	Mortgage, family protection, temporary needs

A broker will call to discuss which option suits your circumstances.

Whole of Life Insurance FAQs

Common questions about whole of life cover.

Whole of life insurance is a policy that lasts your entire lifetime and guarantees a payout to your beneficiaries whenever you die. Unlike term insurance, it never expires.

Whole of life insurance costs more than term insurance because it guarantees a payout. Premiums depend on your age and health. A 40-year-old non-smoker might pay £50-100 per month.

Yes. Whole of life insurance is commonly used to cover inheritance tax bills. Written in trust, the payout goes directly to your beneficiaries without being added to your estate.

Fixed premiums never change but start higher. Reviewable premiums start lower but can increase at review points (typically every 5-10 years). Fixed gives certainty; reviewable gives lower initial cost.

It depends on your goals. If you need guaranteed lifetime cover for inheritance tax planning or to leave a legacy, yes. For temporary needs like mortgage protection, term insurance is better value.