Compare Life Insurance
Complete a short form to compare the leading life insurance providers. We search the whole market so you don't have to.
LV= LifeTime +
Maximum Cover
Unlimited Cover
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
84 years
AEGON Whole of Life Plan
Maximum Cover
£10,000,000
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
84 years
Aviva Guaranteed Whole of Life Plan
Maximum Cover
£5,000,000
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
89 years
Canada Life Ltd Flexible Life Plan (N)
Maximum Cover
Unlimited Cover
Cover Type
Unit Linked Whole of Life Plans
Maximum Age for New Cover
-
Canada Life Ltd Flexible Life Plan
Maximum Cover
Unlimited Cover
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
74 years
NFU Mutual Low Cost Whole of Life Policy
Maximum Cover
£3,000,000
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
74 years
NFU Mutual Whole of Life
Maximum Cover
£3,000,000
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
74 years
Old Mutual Wealth Protect - Guaranteed WOL Plan
Maximum Cover
£10,000,000
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
84 years
Partnership Whole of Life Insurance
Maximum Cover
£15,000,000
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
84 years
Prudential VitalityLife
Maximum Cover
£20,000,000
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
74 years
Prudential VitalityLife Essentials Plan
Maximum Cover
£20,000,000
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
74 years
Saga Guaranteed Life Insurance
Maximum Cover
Unlimited Cover
Cover Type
Whole of Life
Maximum Age for New Cover
80 years
Scottish Provident Pegasus Whole of Life Plan
Maximum Cover
Unlimited Cover
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
84 years
Scottish Widows Protection for Life - Lifetime Cover
Maximum Cover
£5,000,000
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
74 years
Sheffield Mutual Sheffield Protect Whole of Life Plan
Maximum Cover
£15,000
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
69 years
Shepherds Friendly Society Shepherds Over 50's Life Plan
Maximum Cover
£28,100
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
75 years
Receive a Love2Shop Gift Card worth up to £30 when you take out a plan today. Terms & Conditions apply.
Tesco Bank Over 50's Plan
Maximum Cover
varies
Cover Type
Whole of Life
Maximum Age for New Cover
80 years
Tesco Bank Over 50's Life Assurance is provided by Aviva Life & Pensions UK Limited.
Zurich Adaptable Life Plan
Maximum Cover
Unlimited Cover
Cover Type
Non Profit Whole of Life Plans
Maximum Age for New Cover
83 years

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

How to Compare Whole of Life Insurance Quotes

by Nick_Parkhouse

If you're looking to guarantee a lump sum on your death - perhaps to pay for funeral expenses or to leave something to your family - a whole of life assurance plan may be ideal.

How to Compare Whole of Life Insurance Quotes

Term assurance provides a specific amount of life cover for a specific period. But if you want your life cover policy to pay out on your death - whenever in the future that is - a whole of life assurance policy may be more suitable.

What is whole of life insurance cover?

Whole of life cover guarantees that a lump sum will be paid out when the policyholder dies, not just within a specified time frame.

So as long as you continue paying your premiums the policy will pay out on your death - whenever that is.

Whole of life insurance cover can be set up in several different ways:

  • Non-profit whole of life insurance
    You pay a level premium throughout your life and the policy pays a fixed cash sum on your death
  • With profit whole of life insurance
    This works in the same way as the above but the amount paid on your death is linked to investments so your estate will receive the sum assured plus any profits that the policy has accrued
  • Low cost whole of life insurance
    These policies are a cheaper option and have a guaranteed level of cover but can also pay the basic sum assured plus bonuses if this is higher

As whole of life cover is guaranteed to pay out at some point you will find that even the cheapest insurance quote is likely to be more expensive than term life insurance.

What to look for when you compare whole life assurance cover

When you compare whole life insurance quotes it is important to take several factors into account.

Firstly, it is worth considering the medical underwriting of whole of life insurance cover. Many whole of life cover policies offer guaranteed acceptance to people within a certain age range while others offer acceptance without any health or medical questions. It's for this reason that you need to carefully check the terms and conditions before you apply.

It is also worth researching the age limits accepted by the life assurance company when you are looking for the best whole of life insurance quote. Some policies specify minimum age limits while others have a maximum age at which you can take out a new policy or an age after which you will no longer be eligible for cover.

You should also consider the cost of cover. Bear in mind that the cheapest whole life insurance quote may not be the best if your premiums are likely to rise in the future. Choosing a policy with guaranteed premiums can save you money in the long term.

These are all factors you need to take into consideration when you compare whole of life insurance quotes if you want to find the best whole life assurance for the lowest cost.