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Whole of Life Cover

Whole of Life Insurance does what it says on the tin. It has no end date and pays out a lump sum in the event of a terminal illness or death. This flexible cover gives you the knowledge and reassurance that any inheritance tax (IHT) liabilities could be paid, assets for your family could be left, and funeral costs could be taken care of.

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Whole of Life Cover

What is it?

A whole life insurance policy is a type of life insurance. It pays out a lump sum to your family whenever you die, rather than within a particular time frame.

How does it work?

Whole-of-life insurance is designed so the policy pays out a lump sum to your loved ones when you die. Whole-of-life insurance is designed to last as long as you do. You pay in a premium every month and when you die, the policy pays out a lump sum to your loved ones.

Is it for me?

Whole-of-life insurance can be a good way to help your loved ones cover any costs associated with your death, such as inheritance tax (IHT) or the bill for your funeral. But if your main concern is paying off your mortgage or supporting your dependents, term life insurance can be a more cost effective option.


If you do choose whole-of-life cover, consider writing the policy ‘in trust’ so your family does not have to pay IHT on the otherwise tax-free payout.


As always we recommend taking advice before deciding on your cover, so please contact us and we will give you the best advice possible and guide you in the right direction.

Why get advice?

71% of all policies come from independent advice (ABI 2019). It pays to speak to someone who knows what they are doing before choosing your cover. This can save any unfortunate circumstances in the future if you have taken out the wrong policy.

Here at My Protection Guru we offer a free initial chat to find out exactly what you are looking for, before we guide you in the right direction with the correct policy.

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