Whole of Life critical illness insurance quotes

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Whole of Life Critical illness

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Applicant 1: * Title First Last
Applicant 1:
Date of birth * / DD / MM YYYY
Applicant 1:
Do you smoke or have you used tobacco products within last 12 months? *
Applicant 1: Occupation *
Applicant 2: Title First Last
For joint life quotes complete name of applicant two
Applicant 2
Date of birth / DD / MM YYYY
For joint life quotes complete date of birth of applicant two
Applicant 2: Occupation
Applicant 2
Do you smoke or have you used tobacco products within last 12 months?

For joint life quotes confirm if applicant two is a smoker
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Amount of life cover required? * £ . Pounds Pence
How much life cover do you require?
Amount of critical illness cover required? * £ . Pounds Pence
How much critical illness cover do you require?
Quote basis (select the types of quotes you want to consider) * Guaranteed premiums required (Products with no investment element) Investment Based Quotes set on a Maximum cover min cost basis (premiums typically are fixed for 10 years then increase significantly to maintain the same level of cover) Investment Based Quotes set on a Balanced basis (premiums are set to provide same cover throughout life assuming a target growth rate is achieved)
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Whole of Life

Whole of Life Assurance, as the name suggests, can provide life cover or critical illness cover without imposing a limited term.

Their are two main types of Whole of life:-

Unit linked
Guaranteed

Unit Linked Whole of Life - (investment based)
On a Unit linked Whole of life your premiums are split into two parts one to provide your chosen amount of cover now and the other part is diverted into a unit-linked investment fund. The purpose of the fund is to accumulate money while the cost of cover is low to help subsidize the cost of cover as you get older. A unit-linked plan allows the premiums to be kept lower as they are based on the expectation of some future fund growth. Unit values can of course fall as well as rise.

Because part of your premium is invested within a fund you can select how much goes into accumulating funds to help support the cost as you get older. Unit linked plans offer a degree of flexibility on how much you contribute as there is a choice between:-

Maximum cover - Most of the premium is paying for the selected amount of cover and a very tiny amount will be used to build up a fund. As a result the cost of cover will be very cheap, however on the first review will almost certainly increase substantially.
Minimum cover - You have selected a low level of cover and a high percentage of your premium will be paid into the investment. Cost will be the highest and cover the lowest.
Standard cover - basically allows the same level of life cover to be kept up throughout life, as long as the fund achieves a specified minimum annual growth rate. If this rate is not achieved you will either need to increase the premium to maintain cover or to decrease the level of cover to a sustainable level.

Whatever level of initial cover is chosen, that amount is guaranteed to be maintained for a specified term (normally 10 years). The policy should be written in trust so that the proceeds of the plan are not paid into your estate and will not therefore, suffer the delays involved in obtaining probate. They will also escape inheritance tax. We can supply trust forms and provide guidance on how to complete the trust forms on request.

Guaranteed Whole of life
Premiums are set at the outset and are guaranteed not to rise throughout the plan term. Their is no investment element therefore the plan will not acquire a surrender value.

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