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Whole of Life Insurance Quote

Get an instant indicative premium for IHT cover — no adviser call required

Your Details

You must be aged 40–79 for an instant quote

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Enter the amount of cover you need (£50,000 – £5,000,000)

Please enter an amount between £50,000 and £5,000,000

We'd Love to Help

For a bespoke quotation, please speak with Stephen Hunt directly:

Call 07432 164803

Or request a callback

Your Indicative Premium

Based on age , , for of whole of life cover:

Monthly Premium
Level — guaranteed never to increase
Annual Premium
Important: These are indicative rates only and do not constitute a quotation or offer of insurance. Actual premiums will depend on full underwriting including health, lifestyle and medical history. Rates are based on Zurich indicative terms (January 2026) and may vary by insurer.

Key Benefits

  • Level premiums — fixed at outset, guaranteed never to increase
  • Written in trust — proceeds fall outside your estate for IHT
  • Protection only — no investment element, keeping costs low
  • Guaranteed payout on death whenever it occurs

Next Steps

Or call Stephen Hunt directly: 07432 164803

Request a Full Quote

Complete the form below and Stephen will prepare a personalised underwritten quotation for you.

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Frequently Asked Questions

What is whole of life insurance for IHT?

Whole of life insurance pays a guaranteed lump sum on death whenever it occurs, provided premiums are maintained. When written in trust, the payout falls outside your estate and can be used by beneficiaries to pay the inheritance tax bill without selling assets.

What ages can get whole of life cover?

Indicative quotes are available for ages 40 to 79. Younger applicants and those over 79 should contact us directly for bespoke pricing.

Are premiums level or do they increase?

Premiums are level — they are fixed at outset and guaranteed never to increase for the life of the policy.

How does writing a policy in trust help with IHT?

When a life policy is written in trust, the death benefit is paid directly to the trustees for the beneficiaries. Because the policy proceeds never form part of your estate, they are not subject to inheritance tax and can be used to pay the IHT liability.