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Your whole of life options

We have three options of cover for you to choose from, so you can decide how your future premiums change.

What is whole of life insurance?

Whole of life insurance is a life insurance policy that guarantees your family get a payout when you die. It’s cover for your peace of mind that your loved ones will have financial security no matter what.

Unlike term life insurance, which has a policy end date, whole of life insurance only ends when you die. This is why the payout is guaranteed and the cover is also called life assurance.

How does whole of life insurance work?

Once you’ve taken out a plan:

  • You’ll pay monthly or annual premiums. With our whole of life plan options you can pay for your cover in the best way that suits you. You can also choose your future premium calculations
  • The payout amount your dependents will receive stays the same throughout your life. For example, your cover amount is £200,000 when you take out your policy. So, when you die, your family will receive £200,000.

Reasons to take out whole of life insurance

✓ Peace of mind that your loved ones will get a guaranteed payout when you die

✓ Your plan’s cash value can be a source of tax-free funds during your lifetime

✓ Help your family from overpaying on inheritance tax

Currently, if your estate is over £325,000, inheritance tax is 40% of its value1. If you take out whole of life cover and write your policy into a trust, you won’t need to pay inheritance tax on it.

The benefits of health insurance

We have three options of cover for you to choose from, so you can decide how your
future premiums change.

LifestyleCare Cover

Cover you can use early if you can’t look after yourself due to illnesses like dementia.

Whole of life insurance with Premium Step

Get an upfront discount of up to 40%. Certainty of your future premiums with an annual 2.5% fixed premium change.

Traditional whole of life insurance

Gives you a basic annual premium which you can choose to keep the same over time.

Find out how Insurance can help you…

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