Product
Lifetime cover with a guaranteed payout, whenever you pass away. Ideal for inheritance planning.
From
£38/mo
Term
Lifetime
Cover
£50k – £500k
Guaranteed payout
Unlike term cover, there is no expiry date. Your beneficiaries receive a lump sum whenever you pass away.
Inheritance-tax planning
Designed to cover expected IHT liability, paid directly to cover the bill so your estate passes to beneficiaries intact.
Fixed premiums
Your monthly premium never changes, even as you age. Set-and-forget cover.
Trust-friendly
Most whole-of-life policies are placed in trust to keep the payout outside your estate.
Whole of Life is typically used for inheritance tax planning or to leave a guaranteed legacy. Speak to a Sterling adviser to size the policy correctly for your estate.