What is Whole of Life Cover?

Unlike Life Insurance, Whole of Life cover guarantees a pay-out, regardless of when you die. We’ll help you work out whether Whole of Life or Standard Life Insurance is better for your family circumstances. Rest easy knowing your loved ones will be taken care of, even after you’re gone.

As the name implies, Whole of Life Cover pays out when you die, whenever that may be. It is usually, but not always, a more expensive option than term assurance simply because provider knows that it will definitely pay out at some point.

Who is Whole of Life Cover For?

Whole of Life Cover is designed for those who want to leave a lump sum in the event of their death, regardless of when that is. It can be used to pay off debts that will not be repaid during your lifetime.

You may choose Whole of Life cover to cover potential inheritance tax liability or simply to support your funeral costs. This type of policy is usually written in trust to make the whole process of administering your estate on your death that bit easier. It also makes sure that only the people who you want to benefit will gain from the cover.

We can help establish if you have a need and help you find the plan that best meets your requirements.

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