Whole of life

Tips to Prepare

for Your Quote

Your Health

Insurers look at your medical history and any existing conditions. Being clear and accurate helps ensure you get the right level of cover and a fair premium.

Your Occupation

Some jobs carry more risk than others. Your occupation helps insurers assess the likelihood of a claim and can influence your premium.

Your Age

Younger applicants usually pay less, so securing cover early can help lock in lower long-term costs.

Your Lifestyle

Smoking, drinking, or high-risk hobbies can affect your premium. Your lifestyle helps insurers understand your overall risk level.

Get Started

Guaranteed cover that’s there when it’s needed most

Whole of Life Insurance provides lifelong protection, giving you peace of mind that your loved ones will receive a guaranteed payout whenever you pass away. It offers a simple and reliable way to ensure your family is financially supported, whatever the future holds.

This type of cover can help with funeral costs, outstanding debts, or leaving a meaningful gift for those you care about. With cover that lasts a lifetime, you can be confident that protection stays in place as long as premiums are maintained.

We offer a range of whole of life options to suit different needs and budgets, helping you choose the right level of cover with confidence.

Expect a seamless, straightforward, and stress-free journey.

Expect a seamless, straightforward, and stress‑free journey. Whether it’s reviewing your whole of life needs or arranging the right cover for your circumstances, we keep every step simple and clear - from your first enquiry to putting cover in place and long after.

22+

Available Insurers

100+

Mortgage lenders

100%

Tailored service

30+

Available insurers

FAQ's

Frequently Asked Questions

What is Whole of Life Insurance?

Whole of Life Insurance provides lifelong cover and guarantees a payout to your loved ones whenever you pass away, as long as premiums are maintained.

How much does Whole of Life Insurance cost?

The cost depends on your age, health, lifestyle, and the amount of cover you choose. We can help you compare options to find a policy that fits your budget.

What are the benefits of Whole of Life Insurance?

It offers guaranteed lifelong protection, a fixed payout, and peace of mind for your family. It’s often used to help with funeral costs, debts, or leaving a financial gift.

Can I change the level of cover?

Some policies allow you to adjust your cover over time, while others offer a fixed amount. We can explain which options your chosen insurer provides.

Is Whole of Life Insurance suitable for me?

It’s a good fit if you want guaranteed lifelong cover, want to leave money to loved ones, or want to ensure your family has financial support when you’re gone.

How much cover do I need?

This depends on your goals — such as covering funeral expenses, leaving a gift, or supporting your family. We’ll help you work out the right amount.

Does Whole of Life Insurance cost more?

It can be more expensive than term life insurance because it guarantees a payout. However, it offers lifelong protection and certainty that term policies cannot.

Hollybeck Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Hollybeck Limited. Registered address: 81 Burton Road, Derby, Derbyshire, DE1 1TJ. Registered in England & Wales under number 10337505.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Our typical fee is £495.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.