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  • Compare The Top 5 Whole of Life Insurance
  • Cover from £4.32 Per Month*
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What is Whole of Life Insurance?

A Whole of life policy can ensure your loved ones financial security, it is the ultimate gift you can give.



It's cover for your peace of mind that your loved ones will have financial security no matter what.

Don’t leave the future of your family to chance.

How does Whole of Life insurance work?

Whole of life insurance works as a permanent policy that builds cash value over time. As long as the premiums are current, the policy remains active for the entire life of the policyholder, and beneficiaries will receive a set death benefit upon the insured's death.


It's cover for your peace of mind that your loved ones will have financial security no matter what. The payout amount your dependents will receive stays the same throughout your life. For example, your cover amount is £200,000 when you take out your policy. So, when you die, your family will receive £200,000.

No matter where you are in the UK, we can help!

We work with highly experienced partners that are able to look any individual circumstances.

Reasons to get Whole of Life Insurance

A key potential benefit of whole life insurance is that it has no expiration date.

A portion of every premium payment you make is added to your policy’s cash value.

You can help your family from overpaying on inheritance tax.

Whole of Life Insurance FAQs

Whole of life insurance is a type of insurance policy that pays put a lump sum upon your death, regardless of when this maybe. This differs from traditional life insurance products, as they only pay out in a specified term.

Understanding if you require Whole of Life or another form of life insurance, will depend upon your current circumstances and requirements. Whole of Life is not for everybody, therefore discussing you needs with a professional adviser from Compare Life Plans could assist in this process.

There is no reason for the policy not to pay out, if you have supplied everything you are required from the outset. Like any insurance policy, the insurer will require all the correct information to ensure the policy and any claim is valid.

Again, this will depend upon your existing circumstances, such as outstanding mortgage, dependants and budget. Whole of Life is traditionally more expensive than traditional life insurance, as it is designed to pay out on death of the life assured, rather than within a determined term.

By completing the few questions on the above form, Compare Life Plans can start the process of finding you the right policy. One of our professional advisers will then discuss your existing circumstances, to understand what level of cover and the most suitable products you require, for a premium that is in line with your budget.

Other Premiums

Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 25th March 2022.

Life Insurance

non-smoker in good health

  • £4.67 per month £150,000 level term Life Cover, 20 Years term

Critical Illness

non-smoker in good health

  • £4.32 per month £47,000 level term Life Cover, 25 Years term

Mortgage Protection

non-smoker in good health

  • £6.12 per month £265,000 of mortgage cover, 25 Years term

Whole of Life

non-smoker in good health

  • £4.32 per month £6,652 of whole life cover for 25 Years term

Couples Life Cover

non-smoker in good health

  • £4.32 per month £113,000 level term Life Cover, 20 Years term

Over 50's

non-smoker in good health

  • £23.55 per month £150,000 level term Life Cover, 30 Years term

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