    
 
 
      Posted on Google  
   
   Molly Johnson 
 19 September 2026
 
 
 Trustindex 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.
  
 
     Posted on Google  
   
   harry crockford 
 18 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. 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
  
 
     Posted on Google  
   
   Elena Crockford 
 18 September 2026
 
 
 Trustindex 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!
  
 
     Posted on Google  
   
   Richie Roser 
 16 September 2026
 
 
 Trustindex 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.
  
 
     Posted on Google  
   
   joe tolster 
 14 September 2026
 
 
 Trustindex 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
  
 
     Posted on Google  
   
   Susan Newman 
 11 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
     Posted on Google  
   
   joe Davis 
 10 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
     Posted on Google  
   
   Tony Lawrence 
 10 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Always helpful. Highly recommended 😊👍
  
 
     Posted on Google  
   
   Oliver Sourmenidis 
 9 September 2026
 
 
 Trustindex 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 :)
  
 
     Posted on Google  
   
   Maxine Clark 
 2 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great service from Alex. Cares about the person as an individual.

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Whole of Life Insurance Quotes & Cover

Tax Implications of Whole of Life Insurance

Whole of life insurance (known as assurance) can have various tax implications that policyholders should understand, particularly regarding the death benefit and premiums. A summary of the key tax considerations:

Tax treatment varies according to individual circumstances and is subject to change.

Death Benefit

Inheritance Tax (IHT): The payout from a whole of life policy is generally considered part of the deceased's estate for inheritance tax purposes. If the total estate exceeds the IHT threshold, the payout may be subject to tax. However, if the policy is written in trust, the proceeds can be excluded from the estate, avoiding IHT.

Premium Payments

No Tax Relief: Unlike some pension contributions, premiums paid for whole of life insurance do not attract tax relief. This means that the cost of premiums is paid from after-tax income.

Trusts

Using Trusts for Tax Efficiency: Writing the policy in trust can provide significant tax benefits. This allows the payout to be made directly to beneficiaries, bypassing the estate and potentially reducing inheritance tax liabilities.

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

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 assurance solutions, expert advice, and a no-obligation consultation.

FREE WHOLE OF LIFE QUOTE INHERITANCE TAX PLANNING

Free Whole of Life Insurance Quotes

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