As the name implies, this type of life assurance pays out when you die, whenever that may be.

It is usually, but not always, a more expensive option than term assurance simply because the life assurance company knows that it will definitely pay out at some point.

Many of these plans offer some form of investment content and so can be more flexible than term assurance and can acquire cash in values.

This type of plan is designed for those who want to leave a lump sum in the event of their death, whenever it may occur.

It can be used to pay off debts that will not be repaid during your lifetime or for those who want to leave a lump sum to pay a potential inheritance tax liability.

The financial conduct authority does not regulate inheritance tax planning advice & although a whole of life plan can acquire a cash value its primary purpose is to provide financial protection and should not be seen as an investment vehicle.

We’re Waiting To Help

Working with clients nationally across the UK, our team are happy to speak to you at a time that is most convenient to you. Get in touch to arrange a no-obligation chat with an experienced and qualified specialist.

What Our Clients Say

“Fabulous experience”

We required help with identifying a suitable mortgage product and Zen helped identify not only the right product but also alternative options on how to manage our particular situation.

“10/10 service”

Zen prioritised us and found us a new lender with great rates within our budget really quickly. Their communication has been outstanding throughout with regular emails and calls keeping us in the loop and letting us know as things progress.

“Brilliant”

Zen gave me loads of excellent advice regarding finding a mortgage. They looked for the best deal for me. They always reply to my queries very quickly. They are very knowledgeable and it has been pleasure having them as my mortgage broker.