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Whole Of Life Insurance 

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Frequently Asked Questions

What Is Life Insurance

Life insurance, also known as life cover, life assurance or endowment insurance, is a type of policy that protects your loved ones financially if you die.  It can help minimise the financial impact that your death could have on your family, and offer peace of mind to your loved ones.  There are many different types of life insurance available.

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What is Whole of Life Insurance Or Life Assurance?

Whole of life insurance, often known as life assurance is a type of life insurance policy which ensures that, no matter when you die, your loved ones will receive a lump sum from your insurer.  This is different to term life insurance, which only guarantees to pay out should you die within the specified term of the policy.

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What is Mortgage Life Insurance

Mortgage protection insurance is a type of life insurance.  If you have heard of decreasing life cover, then you will have probably heard of mortgage life insurance – it’s the same product (just a different name). 

Usually over time, the amount you owe on your mortgage will go down.  Smaller mortgages need less cover – so mortgage protection also decreases over time.  That’s why it’s also known as decreasing life cover.

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What is Life Insurance with Critical Illness?

Life insurance with Critical Illness helps protect you if you become critically ill during the policy term.  Policies pay a tax-free lump sum that you can use however you like – whether that’s to help cover health-related costs, monthly expenses, or lost income while you get better.

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What is Term Life Insurance?

Term life insurance covers you for the specified length of the policy.  You can choose the length of time you want to cover, whether it be 1 year of 50 years.  Often, people take a term policy to cover the length of mortgage, loan or another debt.

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What does Life Insurance Cover?

Life insurance policies pay out a lump sum to your beneficiaries if you die; or if you have critical illness cover on your policy, a payout will be received on diagnosis of a critical illness like cancer, a tumour, or a heart attack. Often the funds are used to pay off a mortgage, to help raise children, or to cover rent and day-to-day expenses. Funds can also be used to settle medical pills or co-signed debts that would otherwise be transferred to your partner.

There is no income or capital gains tax on life insurance payouts, however you could be subject to inheritance tax if your estate (the sum of your anything you own) is over a threshold. This can be sidestepped by placing the policy in trust, so that you beneficiaries become the trustees, and the policy is no longer part of your estate.

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When Should I Get Life Insurance?

The younger you are, the cheaper your life insurance policy is likely to be. This means it’s more efficient and cheaper in the long run to get covered as soon as you’re considering it, or soon as you have dependents.

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Can I Get Cover If I Have Existing Health Problems?

Everyone is unique, and every policy is underwritten individually. While health history is one of many price factors (often also including current health, age and use of tobacco), it doesn’t in any way prevent you from receiving quotes. UK based experts work with the UK’s best life insurance companies to compare quotes and have helped many applicants with pre-existing conditions and health challenges.

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