Personal protection
Whole of Life Insurance provides guaranteed cover for your entire lifetime, with a payout whenever you pass away, offering lasting protection and support with estate and inheritance planning.
Key benefits
What's typically included
Important to know
Every policy is different, so exact exclusions depend on the insurer and your individual circumstances. Common exclusions to be aware of include:
Common questions
Quick answers to the things people ask us most. Can't find what you're looking for? Get in touch and we'll be happy to help.
Our Blackburn-based advisers are happy to talk it through, with no obligation.
Term life insurance covers a set period and pays out only if you die within that term. Whole of Life Insurance has no fixed end date, so it is guaranteed to pay out whenever you die, provided premiums are maintained.
Yes, it is often used alongside estate planning, particularly when written in trust, to help provide funds to cover an inheritance tax liability without forcing the sale of assets.
This depends on the policy type. Guaranteed premium policies stay level, while reviewable premium policies can be adjusted by the insurer over time, usually at set review points.
If premiums stop, the policy will usually lapse and cover will end, meaning no payout would be made on death. Speak to an adviser before making changes to your cover.
Tell us what matters to you and one of our advisers will help you explore your options.