Whole of life

Our Methods

4 Tips to Prepare

for Your Quote

Your Health

Insurers look at your medical history and any existing conditions. Being clear and accurate helps ensure you get the right level of cover and a fair premium.

Your Occupation

Some jobs carry more risk than others. Your occupation helps insurers assess the likelihood of a claim and can influence your premium.

Your Age

Younger applicants usually pay less, so securing cover early can help lock in lower long-term costs.

Your Lifestyle

Smoking, drinking, or high-risk hobbies can affect your premium. Your lifestyle helps insurers understand your overall risk level.

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Guaranteed cover that’s there when it’s needed most

Whole of Life Insurance provides lifelong protection, giving you peace of mind that your loved ones will receive a guaranteed payout whenever you pass away. It’s a simple way to ensure your family is financially supported, no matter what life brings.

With cover that lasts a lifetime, this type of policy can help with funeral costs, outstanding debts, or leaving a gift behind for those you care about.

We offer a range of whole of life options to suit different budgets and needs, helping you choose the right level of protection with confidence.

Secure long-term peace of mind — knowing your family will be taken care of whenever it’s needed most.

Expect a seamless, straightforward, and stress-free journey.

Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.

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Mortgage Products

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Tailored service

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Available insurers

FAQ's

Frequently Asked Questions

1. What is Whole of Life Insurance?

Whole of Life Insurance provides lifelong cover and guarantees a payout to your loved ones whenever you pass away, as long as premiums are maintained.

2. How much does Whole of Life Insurance cost?

The cost depends on your age, health, lifestyle, and the amount of cover you choose. We can help you compare options to find a policy that fits your budget.

3. What are the benefits of Whole of Life Insurance?

It offers guaranteed lifelong protection, a fixed payout, and peace of mind for your family. It’s often used to help with funeral costs, debts, or leaving a financial gift.

4. Can I change the level of cover?

Some policies allow you to adjust your cover over time, while others offer a fixed amount. We can explain which options your chosen insurer provides.

5. Is Whole of Life Insurance suitable for me?

It’s a good fit if you want guaranteed lifelong cover, want to leave money to loved ones, or want to ensure your family has financial support when you’re gone.

6. How much cover do I need?

This depends on your goals — such as covering funeral expenses, leaving a gift, or supporting your family. We’ll help you work out the right amount.

7. Does Whole of Life Insurance cost more?

It can be more expensive than term life insurance because it guarantees a payout. However, it offers lifelong protection and certainty that term policies cannot.

We provide reliable, flexible protection and mortgage solutions designed to give you complete peace of mind. Our goal is to secure your future and support your journey—so you can focus on what truly matters.