Whole of Life Assurance is used to cover a liability that will arise on your eventual death. Typically, this could be for one of the following reasons:
- To meet an Inheritance Tax Liability
- To cover funeral expenses
- To protect your financial dependents on death
There is no fixed term with Whole of Life cover. As long as the premiums are met, the cover will remain in force until the life assured dies. Whole of Life cover can be arranged on a single life or joint life basis and the premiums can either be guaranteed or reviewable.
The sum assured under a Whole of Life policy can be arranged to pay out on death only, or if critical illness is included, death or earlier critical illness whichever event occurs first.
HCR have a dedicated team of Independent Financial Advisers (IFA) who can ensure you are receiving the right financial advice and the highest standard of service.
For a free consultation to discuss your Whole Of Life Assurance requirements together with any other financial needsContact Us today
"We would like to thank your company for safely handling our finances over the years and thereby giving us a creditable return on our initial outlay. Thanks to you all we will now have a far more comfortable retirement. We would have no hesitation in recommending your services to others."
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