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Helping You Find the Right Whole of Life Insurance

Whether you're ensuring business continuity, protecting your estate from Inheritance Tax, or planning ahead for your loved ones, we help you compare Whole of Life insurance policies tailored to your needs. With policies held in trust to ensure fast tax-free access to funds, secure the right protection for your legacy.

According to the UK government's 2026 IHT reform summary, changes to Agricultural and Business Property Relief may significantly reduce tax protections for family businesses and high-value estates.

We help family-owned businesses where shares are intended to pass to future generations, who now face a reduced rate of 50% Business Property Relief on values above £1 million, and a significant impact on the ability to pass on agricultural or business assets to the next generation without incurring substantial Inheritance Tax liabilities.

We also support high-net-worth individuals whose estates are already exposed to IHT at 40% over and above personal tax-free allowances. With the tax landscape shifting, the right whole of life insurance policy can help ensure your legacy is protected without forcing the sale of assets or shares.

This service is completely free and comes with no obligation.

Secure Your Legacy

We work with top UK insurance brokers to offer a wide range of whole-of-life policies designed to meet your personal or estate planning needs.

Tailored Protection for You

Whether you're looking to cover protect your family business from changes to Inheritance Tax, protect your personal Inheritance Tax liability, or simply protect your family, we help you find a plan that fits your unique situation.

Specialist Broker Support

Get expert guidance from FCA-regulated insurance brokers who understand estate complexity and will help you secure the right policy at the right price.

We partner exclusively with FCA-authorised insurance brokers. Your information stays confidential and your request is handled fast, with expert care.

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Our Promise To You

We believe in clarity, trust and no pressure.

Our service is 100% free to use, with no hidden costs. While we may receive a commission if you choose a policy through one of our trusted providers, our promise is to offer fair, unbiased information, so you can make the best choice for your future and your loved ones.

process

Simple & Stress-Free Process

No pressure. No obligation. Just expert guidance.

1. Share a few details about your cover and estate planning needs

2. We connect you with a trusted, FCA-regulated insurance expert

3. You receive personalised quotes and can ask any questions

Tailored Whole Life Cover to Protect Your Legacy

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Whole of Life Insurance

Whole of Life insurance provides lifelong protection, ensuring a guaranteed payout to your beneficiaries whenever you pass away. It’s a strategic solution often used to help cover Inheritance Tax (IHT), so your family doesn’t have to sell property or assets to pay the bill.

Key benefits include:

  • Tax-free payout – Helps cover IHT liabilities or final expenses.
  • Held in trust – Keeps the payout separate from your estate, avoids lengthy probate delays and speeds up access for beneficiaries.
  • Liquidity – Immediate access to funds when needed, especially as IHT is due within 6 months of death.
  • Estate preservation – Can help prevent heirs from having to sell family property or shares to pay tax.

This type of cover is ideal for estate planning and those with assets that may exceed the IHT threshold. Policies can be customised to match your projected tax liabilities and long-term financial goals.

Term Life Insurance

Term Life Insurance provides financial protection for a fixed number of years, usually with a maximum age at expiry of 90 yrs.

The policy is placed in Trust so that if you pass away during the period of cover, your loved ones receive a tax-free lump sum payout, without lengthy probate delays, that could be used to help cover major costs such as Inheritance Tax Liability, but this could also help repay your outstanding mortgage debt or be used to help manage your essential living expenses like mortgage repayments, rent, daily living expenses, childcare or education.

This type of policy offers:

  • Affordable premiums – Choose cover that fits your budget and term length.
  • Peace of mind – Reassurance that your family is protected if the unexpected happens.
  • Fixed payments – Premiums remain the same for the life of the policy.
  • Flexible options – Select level, increasing, or decreasing cover to match your needs.

Note: Whilst Term Life Insurance may offer lower premiums than Whole of Life cover, if you survive the full term, the policy expires with no payout and no refund of premiums. It may be more suited for those looking for cover during key lifetime financial obligations like mortgage debt or raising a family.

FAQS

What is whole of life insurance? +
Whole of life insurance is a type of policy that guarantees a payout to your loved ones whenever you pass away, as long as the premiums are kept up. It’s often used to help cover inheritance tax (IHT), funeral costs, or to leave a legacy.
How is whole of life insurance different from term insurance? +
Term insurance only covers you for a fixed period (e.g., 10 or 20 years), while whole of life insurance covers you for your entire life. With whole life cover, your beneficiaries are guaranteed a payout—no matter when you pass away.
Can whole life insurance help with inheritance tax? +
Yes. Many people use whole of life policies to offset inheritance tax liabilities. When the policy is written in trust, the payout is outside your estate and can be used to help cover the tax bill without delay.
What does “written in trust” mean? +
Placing a policy in trust means the payout doesn’t form part of your taxable estate. This can speed up the process for your beneficiaries and help reduce or avoid inheritance tax on the insurance payout.
How much cover do I need? +
This depends on your estate’s value, debts, and what you want to leave for your loved ones. A specialist broker can help assess your needs and recommend a suitable level of cover to match your financial goals.
Do premiums stay the same? +
Many whole of life policies have fixed premiums, meaning your monthly payments stay the same for life. Some policies may offer increasing or reviewable options depending on your preferences.
Is there a medical exam required? +
Some insurers may require a medical or health questionnaire, especially for higher cover amounts or certain ages. However, simplified or guaranteed acceptance policies are also available depending on your circumstances.
Is your service really free? +
Yes. Our service is completely free to use. We connect you with FCA-regulated insurance brokers who can help you compare quotes. There’s no obligation to take out a policy, and your information is handled confidentially.
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