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How Whole of Life works?

Whole of Life 

Whole of life policies pays a cash lump sum of money to your family in the event of your death or upon diagnoses of a terminal illness. The aim of the plan is to pay out whenever death occurs. The money paid can be used towards funeral expenses, living expenses, inheritance bills etc.

To be eligible for a whole of Life policy you must be over the age of 18. The policies are underwritten which means you will need to answer health and lifestyle questions. 

A whole of Life policy will remain in force for the rest of your life and with some insurance companies, you may be able to stop paying premiums once you reach a certain age around 70-80 years old. 

There are differences between a Whole of Life insurance policy and a Level term policy and in order to establish which is right for you, its important to speak to a Financial advisor who can help you work out whether you will need a whole of life or level term life insurance, the level of cover you need and help you establish the exact people who will benefit from your plan in the event of your death. 

Are you ready to discuss your plans?

It is important to review your existing plans annually to ensure you have the right level of cover in place. Book an appointment with us to review your policies or for us to provide you with advice on what policies you may need. Alternatively, please contact us on 0800 0495949 to arrange a mutually convenient time for a telephone discussion or email us at info@pearlroseinsure.co.uk  or Click here to make a free online Enquiry. There is no cost or obligation. We will have a chat about what you have or need and how you can save money on your insurance. 

Life Insurance Services we can help you with!

Why Us?

1. We act on behalf of our clients and not the Insurers which means you can guarantee whatever we recommend to you is in your best interest. 

2. We create tailored Insurance solutions for our clients at a price that is affordable. 

3. We break down all the features, benefits and exclusions of the policies we recommend so you know at outset everything about the protection package. 

What our clients say: 

" Attended to by a well experienced customer service staff, who is warm with good knowledge patient and professional. I was given detailed information to make a better decision. I am satisfied with the advice given. " Mr L, Norfolk (May 2022)

 "Fiona was very patient to make sure I understood the policies available and how it compared to what I was currently getting. Fiona spoke with clarity and I would definitely recommend her to my friends and family. When my policies are up for renewal I will be most likely go through any new policies with her again". Mr S, London (March 2022)

"Fiona provided excellent advice and is very well spoken." Lisa, (August 2022)

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