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Whole of Life Insurance (sometimes called life assurance) is designed to pay out a tax-free lump sum to your loved ones when you pass away — no matter when that happens, as long as you keep paying your premiums.
Unlike term life insurance, which covers you for a set number of years, Whole of Life Insurance lasts for your entire lifetime. It’s a reliable way to help your family cover funeral costs, pay off debts, or leave a financial gift for future generations.
Whole of Life Insurance offers lifelong peace of mind. You’ll know that no matter when you pass away, your loved ones will receive a guaranteed payout to help with expenses and maintain financial stability. It’s about leaving behind security - not uncertainty.
This type of cover is ideal if you want to make sure your family receives a guaranteed benefit, whenever you die. It’s often chosen by people who wish to leave an inheritance, help cover funeral costs, or plan their estate efficiently. Whole of Life Insurance can also be useful for those wanting to help their family manage potential Inheritance Tax liabilities.
Both types of cover can protect your loved ones, but they work a little differently.
Whole of Life Insurance lasts for your entire lifetime and guarantees a payout whenever you pass away, as long as premiums are maintained. It’s often used for estate planning, covering funeral costs, or leaving a guaranteed gift.
Term Life Insurance covers you for a set period — for example, 20 or 25 years — and pays out only if you die during that time. It’s usually more affordable and well-suited to protecting dependants while paying off a mortgage or raising a family.
In short, Whole of Life offers lifelong security, while Term Life provides protection for the years you need it most.
Getting Life Insurance Shouldn’t Be Complicated. We’ve Made It Easy — Three Simple Steps.
Answer a few easy questions so we can find plans that match your lifestyle and needs.
A friendly expert connects with you to go over your best-fit options — clear, simple, and tailored to you.
Relax knowing your decision is 100% yours. Our help is free, confidential, and with no obligations.
We know life insurance can feel complicated, so we’re here to make things simple and stress-free. Here’s what you can expect:
Absolutely. One of our friendly experts will give you a call to answer your questions and help you explore the best options for your situation. They’ll take the time to understand your needs and assist what truly fits you and your family.
Of course. You’ll have 30 days after taking out your policy to cancel it — for any reason — with no penalties or hassle.
*From £0.29/day based on a 30-year-old non-smoker in good health taking out up to £5,319 whole of life cover. Cover and premium amounts will vary and are subject to age and individual status (Zurich - February 2025).