Quite often you hear ‘it could never happen to me’ or ‘I’ll sort it out later’. Well the old maxim of “failing to plan is planning to fail” is no better suited to the ignoring of crucial decisions on protection.

What is it?

As the name implies, this type of life insurance pays out when you die, whenever that may be. It is usually, but not always, a more expensive option than term insurance simply because the life insurance company knows that it will definitely pay out at some point.

We only offer whole of life plans with no investment element. These plans will not acquire a cash in value.

Who is it for?

This type of plan is designed for those who want to leave a lump sum in the event of their death, whenever it may occur.

It can be used for a number of reasons e.g. to pay off debts that will not be repaid during your lifetime, or for those who want to leave a lump sum to pay a potential inheritance tax liability.

We can help you find the plan that best meets your requirements.