Compare Life Insurance
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 Life Cover TypeAgeMaximum Amount 
MinimumMax New CoverCover Expires
LV=
Life Insurance
Non Profit Whole of Life Plans
17
years
84
years
---
Unlimited
Saga
Life Insurance
Whole of Life
50
years
80
years
UnlimitedUnlimited
Tesco Bank
Life Insurance
Whole of Life
50
years
80
years
on deathvaries
Tesco Bank Life Insurance is provided by Aviva Life & Pensions UK Limited.
Aviva
Life Insurance
Non Profit Whole of Life Plans
16
years
89
years
---
£5,000,000
Canada Life Ltd
Life Insurance
varies
18
years
up to
74
years
---
Unlimited
NFU Mutual
Life Insurance
Non Profit Whole of Life Plans
18
years
74
years
---
£3,000,000
Old Mutual Wealth
 
Life Insurance
Non Profit Whole of Life Plans
16
years
84
years
---
£10,000,000
Partnership
Life Insurance
Non Profit Whole of Life Plans
50
years
84
years
---
£15,000,000
Prudential
Life Insurance
Non Profit Whole of Life Plans
16
years
74
years
---
£20,000,000
Scottish Provident
 
Life Insurance
Non Profit Whole of Life Plans
18
years
84
years
---
Unlimited
Scottish Widows
Life Insurance
Non Profit Whole of Life Plans
18
years
74
years
---
£5,000,000
Sheffield Mutual
 
Life Insurance
Non Profit Whole of Life Plans
16
years
69
years
---
£15,000
Shepherds Friendly Society
 
Life Insurance
Non Profit Whole of Life Plans
50
years
75
years
90
years
£28,100
Receive a Love2Shop Gift Card worth up to £30 when you take out a plan today. Terms & Conditions apply.
Smart Insurance
Life Insurance
Non Profit Whole of Life Plans
18
years
64
years
---
£750,000
Zurich
Life Insurance
Non Profit Whole of Life Plans
16
years
83
years
---
Unlimited

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How to Compare Whole of Life Insurance Quotes

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.

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