×
What We Do Tailored Cover FAQS Call today on 0808 304 9012

Takes less than 60 seconds

No obligation

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.

Get My Quote

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

Get My Quote

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? +
How is whole of life insurance different from term insurance? +
Can whole life insurance help with inheritance tax? +
What does “written in trust” mean? +
How much cover do I need? +
Do premiums stay the same? +
Is there a medical exam required? +
Is your service really free? +