Expert Financial Advice UK Wide

Trusted advice on pensions & retirement, mortgages, inheritance tax planning, and more.

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Molly Johnson profile picture
Molly Johnson
19 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Wouldn’t go anywhere else! Holly made me feel at ease throughout the process and was very professional.
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harry crockford profile picture
harry crockford
18 September 2026
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Holly made the process of consolidating my pension and setting up regular contributions easy. Kieran was extremely helpful in sorting out my income protection and was very flexible in finding a time that worked around my schedule to talk. Would highly recommend
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Elena Crockford profile picture
Elena Crockford
18 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great experience with Beals, would recommend! Holly helped my husband with setting up his pension - she answered all our questions & was really helpful. Kieran also set up our protection and the whole process was seamless. Thankyou!
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Richie Roser profile picture
Richie Roser
16 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
20 years we've been with Christine and she's never let us down. She's sorted everything for us over the years, the mortgage, protection, and now we're looking at equity release. What I like is she doesn't rush you or blind you with science, she just talks you through it. Any question and she's straight back to you. Lovely lady, can't recommend her enough.
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joe tolster profile picture
joe tolster
14 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great service, Christine was very polite, friendly and responses were always swift. Even keeping an eye on our application whilst returning from holiday. Highly recommend
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Susan Newman profile picture
Susan Newman
11 September 2026
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If anyone is looking for a Mortgage I would thoroughly recommend Christine, she goes above and beyond looking at all options available to suit your needs.
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joe Davis profile picture
joe Davis
10 September 2026
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Christine has managed our mortgage for several years since we moved into our first home. She makes the process incredibly easy and understandable and goes above and beyond to ensure everything stays stress-free. We highly recommend her to anyone.
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Tony Lawrence profile picture
Tony Lawrence
10 September 2026
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Always helpful. Highly recommended 😊👍
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Oliver Sourmenidis profile picture
Oliver Sourmenidis
9 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Clare Cheeseman has been exceptional to deal with in helping us secure our mortgage and additional services provided. She is always on hand to offer her help & support and compared to other advisors we dealt with was happy to go the extra mile to ensure we had secured the best product that we were comfortable with. She responds to any queries we have had very quickly and is a credit to the Beals wealth management team, would highly recommend! Thanks Again Clare for all your help :)
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Maxine Clark profile picture
Maxine Clark
2 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great service from Alex. Cares about the person as an individual.

Whole of Life Insurance Quotes & Cover

Benefits of Whole of Life Insurance Cover

Whole of life insurance (known as 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.
FREE WHOLE OF LIFE QUOTE

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.
FREE WHOLE OF LIFE QUOTE

Estate Planning

Whole of life insurance 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.
FREE WHOLE OF LIFE QUOTE

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.
FREE WHOLE OF LIFE QUOTE

Whole of Life Insurance Policy & Cover

Drawbacks of Whole of Life Insurance

While whole of life insurance 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 insurance 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 Insurance: Get Your Free Quote Today

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

Free Whole of Life Insurance Quotes

Fill in your details below and one of our experienced advisers will be in touch to discuss your Whole of Life quote, your available options, and answer any questions you may have.
Whole of Life Assurance Free Quote
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 2026

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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