Whole of Life Insurance is designed to provide coverage for the life of the insured throughout the whole of their life. Whole of life insurance is generally used when the need for life insurance is lifelong, or permanent and provides life cover without the restrictions of a term. Additionally, Whole of Life insurance may be used as a part of your estate planning.

Premiums for Whole of Life insurance can be much higher than the premiums you would pay for a term assurance plan, this is because the plan is guaranteed to pay out in the event of your demise whenever it happens, whereas, term assurance will only provide cover until your 90th birthday and then the cover expires. Whole of Life policies generally offer fixed monthly or annual premiums and guaranteed death benefits.

Whole of Life insurance is a good choice for you if you want to ensure that you have a life insurance policy in place for your entire lifetime and you can comfortably afford the premiums, or if it fits within the framework of your estate or retirement plan.

We work closely with you and carry out research to understand your needs and wishes.