Protect your loved ones when you pass away
Whole of Life Insurance - Peace of mind in an uncertain world
We all pass away eventually. Protecting your family when the unexpected happens is essential. Whole of Life insurance guarantees your family will be well taken care of when you die, whenever that is
For just a few pounds a month you can provide the security and certainty that you and your family need.
Start your free, no-obligation quote now
What is whole of life insurance?
Whole of life insurance (also known as life assurance or whole life assurance) is a type of life insurance. It is designed to pay your family a cash lump sum when you die, whatever age that may be.
Whole of life insurance differs from the more common 'term life insurance', as it insures you for your entire life, not just for a specified period.
Why get your whole of life insurance quote today?
An affordable mortgage life insurance plan is, without a doubt, a small investment that will deliver tremendous benefits and peace of mind for you and your family.
No risk, no obligation! Plenty of benefits.
The fast & easy way to compare life insurance quotes
Did you know that funeral costs in the United Kingdom have risen over 120% since 2004, and are predicted to continue rising into the future.**
The cost of living crisis and inflation is also eating away at the purchasing power of your hard-earned savings
With a Funeral Plan purchase, you can fix your funeral costs at today's prices, with the knowledge that your family will not have to be burdened with the costs when you are gone.
**Source: Sun Life Cost of Dying 2021 Report
Do you need whole of life insurance?
Paying for your funeral in advance with a funeral plan has a number of significant benefits, including:
- You are in control. Choose the send off that you really want, with a local, independent funeral director that you can trust.
- Peace of mind knowing that your loved ones will not have to worry about paying for, or arranging your funeral when the time comes. At a difficult time for those left behind, your funeral pre-planning could reduce financial and emotional stress.
- You pay for the services of your funeral director at today's prices. This guarantees and insulates you against rising prices in the future.
Excellent service. Wanted a straight forward funeral plan. Clear, concise communication, all concerns answered. No hard sell.
Your personalised life insurance quote in 3 easy steps
Getting your life insuranceyour life quote is simple. No fancy legal jargon, or pressure to buy. And if you are aged 18 years or older, you are likely to be accepted if you choose to proceed with a plan. Expert staff will guide you step-by-step through the process. It's as easy as 1...2...3...
Complete the simple form
Complete the quick fill quote form. It takes less than a minute. You enquiry will be forwarded to an FPA registered funeral plan provider who will provide your quote.
Choose your funeral options
You choose the options you would like for your funeral, your budget and chosen payment option. If you wish to proceed, your funeral plan will be arranged. It's a very simple process for you.
Receive your policy in the post
After you've selected your funeral options your policy will go live, you'll receive all the documents in the post. You'll rest easy knowing your funeral will go without a hitch.
Your whole life insurance questions answered
Am I eligible for mortgage life insurance?
If you are over 18, a UK resident, and have a mortgage, you should be eligible. Some insurers may have an upper age limit, and you may have to agree to credit and mortgage checks before your policy can be approved.
Can I get mortgage life insurance from my mortgage lender?
Many mortgage lenders have access to mortgage life insurance, often known as decreasing term life cover. It's always worth shopping around to find the best deal. A quote via our site will let you compare the leading UK providers and make appropriate comparisons.
What is the difference between mortgage and general life insurance?
Mortgage life insurance is used specifically to pay off your mortgage if you pass away or become terminally ill. General life insurance provides a lump sum to your family, which they can use for whatever purposes they want.
Do I need a medical or health checks to be accepted?
You will be asked a range of health questions before you are accepted. If your answers flag a health condition of concern, you 'may' be asked to take a medical or provide evidence that your condition is being treated and is under control.
If I pay off my mortgage before I die, can I get any money back?
No. If you live past the end of the agreed cover term, you cannot get premiums back. A whole of life policy or life assurance has no term and pays out whenever you die.
How do I get a quote?
Getting a mortgage life insurance quote is simple. Just complete the simple form here, it takes less than a minute.
Once completed, a member of the team of the expert life insurance team will search the best options for you, and come up with a price and policy to suit your needs.
If you are not entirely satisfied with their quote, you have no obligation to buy. If you are happy, then they will complete the paperwork for you and get the paperwork in the post.
It's as easy as 1,2,3.
Ready to find out more?
Start your free, no-obligation quote now