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Whole of Life Image 1

What is Whole of Life Insurance?

Whole of life insurance, also known as life assurance, provides lifelong protection and ensures a guaranteed payout to your beneficiaries whenever you pass away.

Term life insurance only lasts for a set number of years and has an end date, but with whole of life insurance, your policy stays active as long as you keep paying your premiums, and your family is guaranteed a payout when you pass away.

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Whole of Life Image 2

Why should I choose whole of life insurance?

With whole of life insurance, you can:

  • Provide Financial Security
    Your family will receive a guaranteed payout, helping with major expenses like mortgages, education, or care costs.
  • Cover Final Expenses
    Whole of life insurance can ease the financial burden of funeral and related costs, allowing your family to focus on what matters most.
  • Leave a Legacy
    Whether you want to support a cause close to your heart or provide an inheritance, whole of life insurance helps fulfill these wishes, reflecting your values and priorities.
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We don’t just throw quotes at you and see which one sticks. To make sure you don’t get decision fatigue, we take the time to understand your unique circumstances and match you to a trusted partner.

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We offer a fee-free service, which means you don’t need to pay us anything and you’re not obligated to purchase a policy. You’re free to get the quote, take the time you need to decide, and walk away if it’s not for you.

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With our trusted expert partners, you can have some peace of mind knowing you’ve chosen the most suitable policy for you and you’re covered should something occur.

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Whole of Life FAQ Image

Whole of life insurance FAQ's

The cost of a whole life insurance policy can be affected by many factors such as your age, height, weight, the amount of cover you choose, if you're employed in a high-risk job and if you smoke. It’s important to discuss with your insurer any factors that could affect your premiums.

Start by applying for a quote and speaking with our partners' friendly experts, who can discuss your requirements and the options available to you.

Yes, you can have multiple life insurance policies in the UK. Having several policies can be beneficial, especially with whole life insurance, as it provides lifelong coverage and can help you meet different financial needs over time. Just ensure you can manage the premiums for all the policies you choose.

If you cease paying premiums, your policy will be cancelled. While this results in a loss of coverage, you will also not get any money back.

Important: Depending on how long you live, the total premiums paid may exceed the value of the final payout.

If you need to update your life insurance policy or request any amendments, you should contact your insurance provider directly. They will be able to guide you through the process, confirm what changes can be made, and provide the necessary forms or documentation required to complete your request.

Pricing

Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 4th February 2026.

From £8 Per Month

Whole of Life

±£8 per month quoted rates are based on whole of life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.

£5,599 sum assured Zurich Logo

30 year old born in 1996

£4,762 sum assured Zurich Logo

35 years old born in 1991

£4,047 sum assured Zurich Logo

40 years old born in 1986

£3,445 sum assured Zurich Logo

45 years old born in 1981

£3,230 sum assured Zurich Logo

50 years old born in 1976

£2,727 sum assured Zurich Logo

55 years old born in 1971

£2,221 sum assured Zurich Logo

60 years old born in 1966

£1,672 sum assured Zurich Logo

65 years old born in 1961

£1,277 sum assured Zurich Logo

70 years old born in 1956

From £10 Per Month

Critical Illness

Life Insurance and Critical Illness Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.

£30,327 over 20 years Aviva Logo

30 year old born in 1996

£21,237 over 20 years Aviva Logo

35 years old born in 1991

£17,335 over 15 years Aviva Logo

40 years old born in 1986

£12,920 over 15 years Aviva Logo

45 years old born in 1981

£10,125 over 10 years Aviva Logo

50 years old born in 1976

£7,287 over 10 years Aviva Logo

55 years old born in 1971

£6,469 over 10 years Aviva Logo

60 years old born in 1966

Cover from £10 Per Month

†From £10 per month for up to £280,000 is an example based on the following pricing illustrations. £10 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.

£289,847 over 20 years Aviva Logo

30 years old born in 1996

£173,440 over 20 years Aviva Logo

35 years old born in 1991

£123,428 over 15 years Aviva Logo

40 years old born in 1986

£81,616 over 15 years Aviva Logo

45 years old born in 1981

£59,917 over 10 years Aviva Logo

50 years old born in 1976

£34,029 over 10 years Aviva Logo

55 years old born in 1971

£18,089 over 10 years Aviva Logo

60 years old born in 1966

£11,689 over 10 years Aviva Logo

65 years old born in 1961

£7,068 over 10 years Aviva Logo

70 years old born in 1956

Cover from £5 Per Month

†From £5 per month for up to £90,000 is an example based on the following pricing illustrations.£5 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.

£98,704 over 20 years Aviva Logo

30 years old born in 1996

£63,621 over 20 years Aviva Logo

35 years old born in 1991

£48,288 over 15 years Aviva Logo

40 years old born in 1986

£31,699 over 15 years Aviva Logo

45 years old born in 1981

£23,483 over 10 years Aviva Logo

50 years old born in 1976

£15,467 over 10 years Aviva Logo

55 years old born in 1971

£7,844 over 10 years Aviva Logo

60 years old born in 1966

£5,837 over 10 years Aviva Logo

65 years old born in 1961

£3,532 over 10 years Aviva Logo

70 years old born in 1956

£4.18 per month AIG Logo

£150,000 level term Life Cover for 30 Years

£4.35 per month AIG Logo

£175,000 level term Life Cover for 30 Years

£4.62 per month AIG Logo

£200,000 level term Life Cover for 30 Years

£4.88 per month AIG Logo

£225,000 level term Life Cover for 30 Years

£5.16 per month AIG Logo

£250,000 level term Life Cover for 30 Years

£6.98 per month AIG Logo

£150,000 level term Life Cover for 30 Years

£7.93 per month AIG Logo

£175,000 level term Life Cover for 30 Years

£8.71 per month AIG Logo

£200,000 level term Life Cover for 30 Years

£9.48 per month AIG Logo

£225,000 level term Life Cover for 30 Years

£10.19 per month AIG Logo

£250,000 level term Life Cover for 30 Years

£10.31 per month Aviva Logo

£150,000 level term Life Cover for 30 Years

£11.56 per month Aviva Logo

£175,000 level term Life Cover for 30 Years

£12.84 per month Aviva Logo

£200,000 level term Life Cover for 30 Years

£14.12 per month Aviva Logo

£225,000 level term Life Cover for 30 Years

£15.40 per month Aviva Logo

£250,000 level term Life Cover for 30 Years

£23.55 per month AIG Logo

£150,000 level term Life Cover for 30 Years

£25.95 per month Legal & General Logo

£175,000 level term Life Cover for 30 Years

£29.37 per month Legal & General Logo

£200,000 level term Life Cover for 30 Years

£32.79 per month Legal & General Logo

£225,000 level term Life Cover for 30 Years

£36.20 per month AIG Logo

£250,000 level term Life Cover for 30 Years

£43.40 per month Legal & General Logo

£150,000 level term Life Cover for 30 Years

£48.22 per month Legal & General Logo

£175,000 level term Life Cover for 30 Years

£54.82 per month Legal & General Logo

£200,000 level term Life Cover for 30 Years

£61.42 per month Legal & General Logo

£225,000 level term Life Cover for 30 Years

£68.02 per month Legal & General Logo

£250,000 level term Life Cover for 30 Years

£120.56 per month Aviva Logo

£150,000 level term Life Cover for 20 Years

£137.98 per month Aviva Logo

£175,000 level term Life Cover for 20 Years

£159.67 per month Aviva Logo

£200,000 level term Life Cover for 20 Years

£181.36 per month Aviva Logo

£225,000 level term Life Cover for 20 Years

£203.05 per month Aviva Logo

£250,000 level term Life Cover for 20 Years

Testimonials

Star Rating

"Securing life insurance was something I'd put off for too long. The process was straightforward, and now I have peace of mind knowing my family will be looked after. Thank you for making it so easy."

Lynn K

Star Rating

"I was unsure about the level of cover I needed, but the guidance I received was excellent. I now have a policy that fits my circumstances perfectly, and it's a weight off my shoulders."

Alan S

Star Rating

"Finding affordable life insurance seemed like a challenge, but I was pleasantly surprised by the options presented to me. I feel much more secure knowing this is in place."

Lou G

Star Rating

"The application process was quick and efficient. I appreciated the clear explanations and the lack of complicated jargon. It was a simple way to protect my loved ones' future."

Paul M

Star Rating

"I'd been meaning to get life insurance for years, and I'm so glad I finally did. The service was professional, and I feel confident in the policy I now have."

Graham F

Star Rating

"As a new parent, life insurance became a priority. The options available were comprehensive, and I found a policy that gives me real security for my family's future."

Brad J

Star Rating

"I was a bit hesitant about the whole thing, but the team made it easy to understand and helped me find the right level of cover without any pressure. I'm very satisfied."

Dave C

Star Rating

"Getting life insurance felt like a responsible step, and I'm glad I chose this service. The process was smooth, and I feel much better prepared for the future."

Hannah G

Star Rating

"I wanted to ensure my partner was protected, and the policy I found gives me that reassurance. The whole experience was positive and hassle-free."

Mick D

Star Rating

"Sorting out life insurance was on my to-do list for ages. I'm so pleased I finally got it done. The process was simple, and I feel a great sense of relief knowing my family is secure."

Victoria S