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

Rated Excellent.. Don't just take our word for it!

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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
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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
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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
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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.

FAQ: Frequently Asked Questions for Whole of 
Life Assurance

What is Whole of Life Assurance and how does it work?

Whole of Life Assurance is a type of permanent life insurance that provides coverage for the entirety of your life, as long as premiums are paid. Unlike term life insurance, which covers you for a specific period, whole of life assurance guarantees a payout to your beneficiaries whenever you pass away. Additionally, these policies often accumulate a cash value over time, which can be accessed through loans or withdrawals during your lifetime.

How does Whole of Life Assurance help with Inheritance Tax (IHT) planning?

Whole of Life Assurance can be an effective tool for inheritance tax (IHT) planning. The policy's payout can provide your beneficiaries with the necessary funds to cover any IHT liabilities, potentially preventing the need to sell off assets like property. To maximise tax efficiency, it's advisable to place the policy in a trust, ensuring that the payout doesn't form part of your estate and is readily available to your beneficiaries.

Is Whole of Life Assurance worth it?

Whole of Life Assurance can be worth it if you’re looking for lifelong cover and a guaranteed payout to support your loved ones or cover inheritance tax liabilities. It offers peace of mind that your family will receive a financial benefit whenever you pass away. However, because premiums are typically higher than with term insurance, it’s important to assess whether the long-term cost aligns with your financial goals and needs.

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.
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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