Whole of Life
Whole of life insurance is a financial protetion product that does exactly what it says on the tin, it protects you for the rest of your life.
You have the ability to select the amount of protection you need and there is no term on the policy. You can choose to set up the policy on a single or joint life basis. The policy will pay the sum assured after a successful claim following the death or diagnosis of a terminal illness (life expectancy less than 12 months) of the life assured.
The premium and sum assured will remain level throughout the policy unless you select the increasing option. You also have the option to include waiver of premium into the policy, which can enable you to stop paying premiums during periods of incapacitation if you are unable to work.
Whole of life insurance can be used to provide a lump sum to your beneficiaries or alternatively, to protect an inheritance tax liability you mau have on your estate.
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