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Cover that never expires
Unlike term insurance, whole-of-life cover has no end date. As long as you keep paying, it pays out whenever you die. It is often used to leave a guaranteed legacy or to plan around a future inheritance tax bill.
Specialist cover, used deliberately
The right tool for the goal
We only recommend it where a lifelong guarantee genuinely fits your plans.
Joined-up with your estate
It works best alongside proper estate and tax planning, and we will say where you need a specialist.
Reviewed over time
Big policies deserve a periodic check to make sure they still do their job.
A guaranteed payout, whenever it comes
Because it always pays out eventually, whole-of-life cover is priced accordingly and suits specific goals rather than everyone. Where it fits, it is a clean way to make sure a set sum reaches your family or covers a known liability.
- Planning for inheritance taxA policy in trust can provide the cash to settle an inheritance tax bill without selling assets.
- A guaranteed legacyLeave a fixed, certain sum to family or a cause that matters to you.
- Written in trustHeld in trust, the payout usually sits outside your estate and reaches beneficiaries quickly.
Questions we hear a lot
Term cover runs for a set number of years and only pays out if you die within that term. Whole-of-life has no end date and pays out whenever you die, provided premiums are maintained.
Yes, that is a common use. A whole-of-life policy written in trust can provide a lump sum to cover an expected inheritance tax bill, so your family is not forced to sell assets to pay it.
No, and we will say so. Because it always pays out, it costs more than term cover, so it suits specific goals like legacy or tax planning rather than general family protection.
Handy next steps
Plan the legacy properly
If you want a guaranteed sum to reach your family, we will tell you honestly whether this is the right way to do it.