UK Life Insurance: Low price high value life cover

As the name suggests whole of life insurance cover is designed to run until the policyholder(s) dies, irrespective of when that occurs.

Whole life insurance can be used to offset inheritance tax.

The cost of cover tends to be more expensive than level term life insurance because there is a certainty that the insurer will have to pay out at some point (assuming premiums are maintained), unlike level term life insurance where the policy matures without value upon survival to the maturity date.

There is usually an investment element associated with whole of life insurance policies and as such the choice of provider becomes more subjective, unlike level term life insurance where the premium paid in return for the required cover is normally the main concern.

There is more to consider when choosing a whole of life insurance provider, and it is important to consider the investment expertise of the insurer as the investment performance can affect the premiums paid in the future.

You must also consider whether you wish to set your premiums on a standard cover that is designed to maintain the same premium for life subject to a certain level of investment return, or whether you wish to opt for maximum cover which means you will pay a lower level of premiums in the short term, but will almost certainly result in an increase to these premiums over time.

Another consideration is whether to choose a guaranteed premium, or to have a premium that could vary in the future.

Whole of life insurance cover is used for a variety of reasons, but is usually used to cover a liability that does not end at a predetermined date. Where life insurance is used to cover an inheritance tax liability it is usually by way of whole of life insurance cover.

Try to complete as much as our quick enquiry form as you can and a specialist broker will help you in your search for the right life insurance and critical illness cover. By asking for a quote there is absolutely no obligation to buy. Please note minimum amount of cover £10,000 and minimum term 5 years.

No Obligation Life Cover, Critical Illness and Income Protection Enquiry
Section 1 - First Enquirer
Do you smoke?	No Yes
Date of birth(*)
Occupation
Number of dependents (under 18 years)
Section 2 - Second Enquirer (single enquirers please go to section 3)
Do you smoke?	No Yes
Date of birth
Occupation
Relationship to 1st enquirer
Section 3 - Policy requirements
Amount of cover required(*)
Term of cover required (years)(*)
Cover required (1st choice) Not sure? Click here
Cover required (2nd choice)
Is your enquiry in relation to a repayment mortgage?	Yes No
When do you want the policy to start?(*)
If you have received other quotes what is the lowest monthly premium quoted?
Section 4 - Other information
Any other information you think may be useful, or comments, or questions you may have
Section 5 - Contact details
Title:
First Name:
Last Name:
Address:
Postcode:
Please note it is not always possible to process enquiries based solely on the information contained in this form. Each case is unique and it may be necessary to speak to you to be able to assess your own particular circumstances to help find the most appropriate course of action. Please supply at least one phone number.
Home phone:
Work phone:
Mobile:
When can you be contacted?	Daytime Evening Weekend
Email address:
Terms and Privacy

UK Life Insurance: Whole of Life Insurance

Whole of Life Insurance