Whole of life cover is designed to remain in place for life, provided premiums are maintained and the policy terms are met.
Rating shown is for our main broker partner, Reassured, as of July 2025.
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Designed to remain in force for life, provided premiums are maintained and policy terms are met.
Compare how premiums and benefits work across the available policy options.
Help your family pay inheritance tax bills or leave them a cash legacy.
Trusted UK life insurance providers
Please note that some of the brokers we work with may not provide quotes from all of the insurers featured on our website.
Select the amount you want your family to receive
Keep premiums up to date throughout the policy
The policy benefit is payable when its terms and conditions are met
See illustrative examples of whole of life cover based on age. Availability, premiums and benefits depend on the policy and applicant.
| Age | Cover Amount | Term | Insurer |
|---|---|---|---|
| 30 | £5,599 | Lifetime | Zurich |
| 35 | £4,762 | Lifetime | Zurich |
| 40 | £4,047 | Lifetime | Zurich |
| 45 | £3,445 | Lifetime | Zurich |
| 50 | £3,230 | Lifetime | Zurich |
| 55 | £2,727 | Lifetime | Zurich |
| 60 | £2,221 | Lifetime | Zurich |
| 65 | £1,672 | Lifetime | Zurich |
| 70 | £1,277 | Lifetime | Zurich |
*£8 per month 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 on 2nd February 2026.
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