For You | For Family | For Business

Client Portal

Common Whole of Life Insurance questions.

Please contact us with your Insurance query

Simply enter your details below for us to help you.

By submitting  information through this website, you have given your agreement to receive verbal contact from us to discuss your insurance requirements. You voluntarily choose to provide personal details to us via this website. 

Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

By submitting this data, I am consenting to the use of my data in line with our  Privacy Policy

Ask our Support Team

What is a Whole of Life insurance policy?

A Whole of Life policy pays out a lump sum whenever you die, whenever that may be. This could be used to pay a potential Inheritance Tax Liability.

How does a life assurance policy work?

Life Insurance policy ensures peace of mind that your loved will be protected with a lump sum or income, should the worst happen. 

Can I cash out my Whole of Life insurance policy?

If your Whole of Life policy has a cash value, you can withdraw cash from it. You may also wish to use the policy for loan collateral, or surrender or sell the policy.

How much does Whole of Life insurance cost?

The cost of a Whole of Life policy will depend upon your age and health. A further cost factor is whether you wish for your policy to have a cash value.

What is the average Life Insurance cost per month?

The amount you pay will depend upon your age, health and the type of policy that you choose.

Inheritance Tax Liability

Pay off debts

Gifting to Family & Friends

Gifting to Charity

The Whole of Life Process

Working with HB Partners



An informal introductory conversation

Our protection experts will work with you to understand your risks. We will then take you through the options available, and answer your initial questions, such as level of cover required and cost.

We will look for the most appropriate insurance product to suit your circumstances. 

Our Expert Recommendation



The right Whole of Life Insurance for you

Our experts will calculate the amount of cover required, then compare the relevant providers that meet your needs. We will then discuss the choice of providers and options available to you.

Once you are ready to proceed, we will submit an application on your behalf. We will manage all of the paperwork and update you with progress on your case, right through to completion.

Full Application

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. The lump sum could be used for the following,

What is 3 + 5 =

Whole Of Life Insurance

Helping you to support those who matter most

Call us 01923 964160

If you would like to discuss a Whole of Life Insurance policy, please call us on 01923 964160

Meet the Team

01923 964160


A Whole of Life policy is often used to help families with an Inheritance Tax liability. Written under a trust, the policy can pay a lump sum to your beneficiaries for this purpose. 


Some whole of life policies generate cash value, but others do not. A cash surrender value is an amount that you can withdraw if your policy lapses or you surrender the policy. Please contact us for further clarification.


This type of life assurance pays out a lump sum when you die, with no time restrictions.


Term Insurance provides cover over a set period of time, such as the duration of a mortgage. Whole of Life Insurance provides a pay-out whenever you die. 

Frequently Asked Questions

We are always ready to help. Please call

If you have a specific question, click the button below, and we will do our best to answer this for you.

Why use us?

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We are qualified to advise you on your equity release requirements.

Get in touch

Home > Life Insurance > Whole of Life

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

What our clients say

"We strive to offer our clients the best possible service, so that they become clients for life.

Your feedback is valued, and by listening to you, our relationship becomes stronger"  

Please click here to see the full list of reviews

This site uses cookies to enhance your user experience. By continuing to use this site you are giving your consent for us to set cookies. Privacy Policy