Whole of Life

Our Whole of Life insurance policy is designed to pay a lump sum to your client’s family when they die or are diagnosed with a terminal illness. This can be used to help pay the inheritance tax that’s due on your client’s estate or to give their family or business some financial help at a difficult time. So that the benefits don’t form part of your client’s estate, we’ve included a trust in our application process - making it easy to put the policy in trust in the one application. This means more of their money will go where they intended. 

Calculate your inheritance tax (IHT) liability

Our IHT calculator(Opens new window) can help you identify how much tax could be due on your client’s estate when they die.


Our Whole of Life policy is designed to be as flexible as possible, since no-one knows what’s around the corner. This includes:

  • free cover for up to 90 days while we assess your client’s application – which can be held in trust if they choose this at the same time as the cover. Availability of free cover is subject to meeting our eligibility criteria;
  • a selection of guaranteed insurability options, so that your clients can increase their benefit amount as their circumstances change;
  • a gift inter vivos option to help protect against any inheritance tax liability in the seven years after making a gift; and
  • a joint-life separation option that can even be used on joint-life second death policies – so that if your client divorces, they can split their policy into two single-life policies. 

Integrated trust process

Whole of Life insurance held in trust can be an effective solution when it comes to estate planning. So to help make sure that the claims proceeds go where your client intends, we’ve made it easy to place the policy in trust. As we’ve integrated this into our overall application process, any free cover available to your clients will also be held in trust – so that the claims payout won’t add to any existing inheritance tax liability when the worst does happen.

Free immediate cover

As part of doing everything we can to help, we automatically provide free cover of up to £1 million or the benefit amount, whichever’s lower, for up to 90 days. This means your clients can relax while their application is being processed, safe in the knowledge that some, if not all, of their protection needs are covered. Availability of this is subject to meeting our eligibility criteria.

More than just financial support

At no extra cost, you'll have access to a health and wellbeing service(Opens new window) provided by our partners, Health Assured. This service is available to use at claims stage, as well as throughout the life of your policy.

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If you’re an adviser, log in to our secure online services to apply.

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