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Why Use TheLifeSupermarket?
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Answer a few simple questions and get quotes that match your needs and budget.
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We cut through the confusion so you can understand exactly what you’re getting.
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Quick, easy application process—some policies even come with instant cover.
Frequently Asked Questions
Whole of Life Insurance provides lifelong cover that stays in place until the policyholder passes away or stops paying premiums.
It guarantees a payout to your chosen beneficiaries when you die, offering financial support that can help cover things like household bills, mortgage costs, or everyday living expenses.
Why choose whole of life insurance?
Whole of Life Insurance offers guaranteed lifetime cover, so no matter when you pass away, your loved ones will receive a lump sum. Here’s why it’s a popular choice:
- Permanent protection
The policy never expires, unlike term insurance.
- Guaranteed payout
Your family receives a tax-free lump sum whenever you die.
- Fixed monthly premiums
Budget with confidence; payments don’t change.
Why take out whole of life insurance?
Whole of life insurance provides lifelong financial protection, ensuring your loved ones are supported no matter when you pass away. Here are three key reasons to consider it:
- Coverage for life
Unlike term insurance, whole of life insurance doesn’t expire, so your beneficiaries will receive a payout whenever you die.
- Helps cover long-term expenses
It can help pay for final costs like funeral expenses, outstanding debts, or inheritance tax, easing financial burdens on your family.
- Provides peace of mind
Knowing your family will be financially protected no matter what gives you lasting reassurance.
Why take out whole of life insurance?
Get a Clear and Free Quote Today at Thelifesupermarket.com. Our partners are here to help you understand your options without pressure.
Protect Your Loved Ones for Life
Whole-of-Life Insurance is designed to give lifelong protection — it pays out whenever you pass away, not just within a set term. This means your family can have financial security no matter when the unexpected happens. Losing a main earner can cause significant strain, and a whole-of-life policy can offer a guaranteed lump sum to help ease the burden at a difficult time.
Options to Suit Your Needs
With whole-of-life cover, you choose the payout amount that fits your circumstances. The lump sum can be used to manage major expenses such as clearing debts, paying off a mortgage, covering education costs, or handling final expenses. It’s important to be aware that the average cost of a funeral in 2024 was £9,797, and a lump sum could help with these costs. - Source: SunLife (2024)
Thinking Ahead and Leaving a Legacy
Because whole-of-life insurance lasts for the rest of your life, it can also help you plan for the future. It’s a way to leave a guaranteed gift to your loved ones or even support a charity that matters to you, ensuring your values continue long after you’re gone.
How Much Does Life Insurance Cost?
Finding Affordable Protection that Works for You.
We know that cost is a consideration, and life insurance doesn’t have to be expensive. Many policies start from around £9.71 per month (based on the 2025 average).
- Source: iaminsured.co.uk (2025)
At Thelifesupermarket.com, our aim is partner you with an expert to help you explore suitable coverage options at a price that fits your budget.
Understanding What Influences Your Premium.
It’s important to understand what can affect the cost of your life insurance.
Policy Type
Policies with higher potential payouts or extra features like critical illness cover may have higher premiums. Your expert will explain these options clearly so you can make an informed choice.
Your Circumstances
Factors like your age, smoking status, and lifestyle (for example, participation in high-risk sports) can influence your premium. Whether you’re in your 20s or over 50, a smoker or non-smoker, our experts is here to help you compare options and find a policy that’s appropriate for your individual situation.
Your Privacy and Security are Important to Us.
At thelifesupermarket.com, we are committed to protecting your personal data. As an Information Commissioner-registered company, we adhere to high standards of privacy and security to ensure your information is handled responsibly.
Regulated and Compliant:
We operate with full regulatory compliance, ensuring your information is handled with care and integrity.
Secure Data Storage:
All data is stored on secure servers utilising advanced encryption and protection technologies.
Your Data, Your Choice:
We will never share your personal information without your explicit consent, ensuring your details remain safe and secure.
We are committed to protecting your information while assisting you in finding a life insurance policy that meets your needs.
Pricing
Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 5th February 2025.
Whole of Life
Whole of Life cover quoted rates are based on level term life cover for non-smoker with no pre-existing medical conditions or other high risk factors. Individual factor and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may resule in you being declined. Correct as of 5th February 2025.
Up to £5,437 sum assured
30 year old born in 1996
Up to £4,624 sum assured
35 years old born in 1991
Up to £3,931 sum assured
40 years old born in 1986
Up to £3,345 sum assured
45 years old born in 1981
Up to £3,137 sum assured
50 years old born in 1976
Up to £2,655 sum assured
55 years old born in 1971
Up to £2,277 sum assured
60 years old born in 1966
