People want peace of mind knowing their families or businesses will be taken care of if the worst were to happen.

Our Whole of Life Plan is designed for people who are thinking about inheritance tax (IHT), providing for their families after they're gone or making sure their businesses are protected against their death.

This plan is only available through an independent financial adviser, who can help you understand all your options before you decide on the right cover for you and your family.

Remember that these plans don't have a cash-in value at any time and if you stop paying your premiums your cover will stop.

Some benefits of our Whole of Life Plan


Cover for life

Cover continues for the rest of your life or as long as you want it. 


Peace of mind

Pays out a lump sum when you die or are diagnosed with a terminal illness that meets our definition. 


Trust options

Help make sure the money from your plan ends up in the right hands at the right time, quickly and tax efficiently, by putting your plan in trust.

Helping Hand

Our plans bought through an independent financial adviser come with Helping Hand - a comprehensive support service that gives you access to a dedicated nurse should you experience illness, injury or bereavement during the term of your plan.

Your dedicated nurse can recommend a number of additional services if they think it’s going to help. For example:

  • A second medical opinion
  • Support recovering from a heart attack
  • Speech and language therapy after a stroke
  • Complementary therapies to help manage symptoms or help with recovery
  • Bereavement counselling and support

Helping Hand is a package of support services, provided by third parties that aren’t regulated by the Financial Conduct Authority. These services aren’t part of our terms and conditions, so can be amended or withdrawn at any time.

Find out more 

Waiver of Premium (Sickness)

Waiver of Premium (Sickness) is available as an add-on to our Whole of Life plans.

This means if you have an accident or illness that leaves you unable to work or carry out a number of tasks, you won't have to worry about your monthly policy payments as we’ll pay these for you. You can decide the amount of time between you stopping work and us paying your premiums. The choices are 4, 8, 13, 26 or 52 weeks. 

Value of advice

If you think that our Whole of Life Plan could be right for you the next step is to speak to an independent financial adviser. There are many benefits to independent advice.

Find out more about the value of advice