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Whole of Life Assurance Quotes & Advice

Benefits of Whole of Life Assurance

Whole of life assurance provides lifelong financial protection, offering peace of mind that a guaranteed payout will be made to your loved ones whenever you pass away. It can help cover funeral costs, inheritance tax, and provide lasting financial security for your family.

Lifelong cover

One of the most significant advantages is that it provides coverage for the insured’s entire life. This means beneficiaries will receive a payout regardless of when the insured passes away, offering peace of mind.
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Fixed Premiums

Many whole of life policies come with fixed premiums, meaning that the amount you pay will not increase over time. This can make budgeting easier for policyholders.
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Estate Planning

Whole of life assurance can be an effective tool for estate planning. The payout can be used to cover inheritance tax liabilities, ensuring that beneficiaries receive the intended inheritance without financial burdens.
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Financial Security for Dependents

The guaranteed payout can provide financial security for dependents, helping them maintain their lifestyle or cover essential expenses after the policyholder's death.
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Whole of Life Assurance Quotes & Advice

Drawbacks of Whole of Life Assurance

While whole of life assurance offers guaranteed protection, it can be more expensive than other types of life cover. Premiums may be higher, and if you stop paying, your cover could end with no payout. It’s important to consider whether the long-term costs fit your financial plans.
Higher Premiums: Whole of life assurance typically comes with higher premiums compared to term assurance (a life assurance plan with a fixed end date). This can be a significant financial commitment, especially for younger policyholders.
Inflation Risk: Over time, inflation can erode the purchasing power of the payout. If the policy does not include an inflation protection feature, the amount received by beneficiaries may not be sufficient to cover future expenses.

Get Expert Advice on Whole of Life Assurance: Get Your Free Quote

Have you been thinking about taking out Whole of Life Assurance? Protect your loved ones with lifelong cover and a guaranteed payout. Contact Beals Wealth Management today for personalised whole of life assurance solutions, expert advice, and a no-obligation consultation.
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Free Whole of Life Assurance Quotes

Fill in your details below and one of our experienced advisers will be in touch to discuss your Whole of Life Assurance quote, your options, and answer any questions you may have.

Our consultations are free and without obligation. If you decide to proceed with our advisers recommendations, a fee may apply but we’ll always be transparent and discuss any costs with you.
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Tax treatment varies according to individual circumstances and is subject to change.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Approver Quilter Financial Services Limited. March 2025

Registered office address: Unit 1 Fulcrum 2 Solent Way, Whiteley, Fareham, England, PO15 7FN. Registered in England and Wales under reference 08286166
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