Get lifetime coverage that builds cash value you can borrow against.Compare policies from 15+ UK insurers and find the perfect balance of protection and investment for your family.
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Permanent life insurance with an investment component
Your beneficiaries receive a guaranteed payout whenever you pass away, providing financial security for your loved ones.
Part of your premium builds cash value that grows tax-deferred. You can borrow against it or withdraw funds during your lifetime.
Unlike term life insurance, whole life insurance lasts your entire lifetime as long as premiums are paid.
Note: Actual values depend on the specific policy and insurer. Cash value growth is typically guaranteed minimum plus potential dividends.
Understanding the key differences
| Feature | Whole Life | Term Life |
|---|---|---|
| Coverage Duration | Lifetime | Fixed term (10-30 years) |
| Premium Cost | Higher but fixed | Lower initially |
| Cash Value | ✅ Builds cash value | ❌ No cash value |
| Investment Component | ✅ Yes | ❌ No |
| Best For | Estate planning, wealth transfer | Temporary protection needs |
Choose the right policy for your needs
Fixed premiums, guaranteed death benefit, and predictable cash value growth. Conservative and stable option.
Eligible for dividends from the insurance company's profits. Potential for higher returns but not guaranteed.
Cash value invested in sub-accounts similar to mutual funds. Higher risk but potentially higher rewards.
Long-term financial security with multiple benefits
Guaranteed death benefit provides lifelong security for your beneficiaries.
Access cash value through loans or withdrawals for emergencies or opportunities.
Cash value grows tax-deferred, creating a valuable asset for your financial portfolio.
Efficient way to transfer wealth to heirs with tax advantages and guaranteed payout.
Get quotes from top UK insurers and find the perfect policy for your needs.