Unlike term life insurance, whole of life cover never expires. Your family is guaranteed to receive a payout whenever you pass away, no matter when that is.
Rating shown is for Reassured, a regulated broker, as of July 2025.
Quick, free, no obligation
Unlike term insurance, whole of life will definitely pay out - whenever you die.
Your monthly payments are fixed and won't increase as you get older.
Help your family pay inheritance tax bills or leave them a cash legacy.
Trusted UK life insurance providers
Please note that some partner brokers may not provide quotes from all of the insurers featured on this website.
Select the amount you want your family to receive
Fixed premiums that never increase
Your family receives the full amount when you die
See real examples of whole of life cover based on age. Cover lasts your entire lifetime with no expiry date.
| Age | Cover Amount | Term | Insurer |
|---|---|---|---|
| 30 | £5,319 | Lifetime | Zurich |
| 35 | £4,524 | Lifetime | Zurich |
| 40 | £3,845 | Lifetime | Zurich |
| 45 | £3,273 | Lifetime | Zurich |
| 50 | £3,069 | Lifetime | Zurich |
| 55 | £2,598 | Lifetime | Zurich |
| 60 | £2,221 | Lifetime | Zurich |
| 65 | £1,672 | Lifetime | Zurich |
| 70 | £1,277 | Lifetime | Zurich |
Quoted rates are based on whole of life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 7th February 2025.
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