Expert Financial Advice UK Wide

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

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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
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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
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Great service from Alex. Cares about the person as an individual.
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Beverley Williams profile picture
Beverley Williams
28 August 2026
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Kieran was very helpful in explaining the policy and kept in touch regularly.
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Tracy Doyle profile picture
Tracy Doyle
26 August 2026
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Pension Services Review I was very pleased with the pension services I received. The process was handled professionally and efficiently. Daniel Pyle was helpful, friendly, and clear when explaining my options. Any questions I had were answered promptly, which made the whole experience straightforward and reassuring. Overall, I would recommend their pension services to anyone looking for reliable and professional support with their pension.
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Steph Tully
13 August 2026
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Olivia Nelson is excellent in her field of financial mortgage advice. She's patient, knowledgeable and caring so you feel the mortgage journey isn't arduous. She took into account that we hadn't gone through a mortgage application in many years and adapted her management of our application to meet us, our age and our lack of current knowledge. She settled nerves. Often made and took calls outside of hours to meet with my busy worklife. She explained every step of the way, and the costs involved. Her communication was always timely, informative and easy to understand. She is highly recommended 👌 👏
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Happy Buyer profile picture
Happy Buyer
3 August 2026
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We dealt with Olivia who is knowledgable helpful and friendly, A true professional and we really feel that we are in safe hands. I highly recommend and will always be grateful, Thank you .
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1979julianne
9 July 2026
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I worked with Olivia Nelson to re-mortgage. I previously had a joint mortgage, but needed to change to one on my own. Olivia guided me through, answered all of my questions and made the whole process alot less stressful
Download Your Free Guide to Inheritance Tax Planning and Trusts
FREE IHT GUIDE

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 Insurance Quotes

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