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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4 key things to bear in mind when preparing for your quote...

Your Health

Your health plays a crucial role in determining your life insurance premiums. Insurers assess your medical history, current health conditions, and any risk factors to gauge your life expectancy. Better health typically means lower premiums, so it’s important to be honest and thorough about your medical history.

Your Occupation

The nature of your job can significantly influence your life insurance rates. Certain occupations carry higher risks than others, such as those involving manual labor or hazardous environments. Insurers consider these risks when calculating your premiums, so be prepared to provide detailed information about your job duties and work environment.

Your Age

Age is a fundamental factor in life insurance pricing. Generally, the younger you are, the lower your premiums will be. This is because younger individuals are statistically less likely to file a claim in the near future. It’s advantageous to secure a policy early to lock in lower rates and ensure long-term coverage.

Your Lifestyle

Lifestyle choices, such as smoking, drinking, and engaging in high-risk hobbies, can impact your life insurance rates. Insurers evaluate these behaviors to determine your overall risk level. Leading a healthy lifestyle can help you obtain more favorable premiums, so it’s beneficial to disclose any relevant lifestyle habits.

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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.

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