Whole of Life Cover
What is Whole of Life Cover?
Whole Of Life Cover gives you the peace of mind and the 100% guarantee that you can leave a financial gift/support when you die or it can be used to pay off debts that will not be repaid during your lifetime or for those who want to leave a lump sum to pay a potential inheritance tax liability.
Standard and traditional Life Cover memberships pay out the lump sum upon death if you die within a certain period of time. These are very important to have in place. However, as most Life Cover policies only typically run until the policyholder is between 55-65 years old, very few people actually ever receive a lump sum off this type of policy as less than 20% of people in the UK die before the age of 65.
However, ‘Whole Of Life Cover’ will give you the 100% guarantee of a pay-out no matter what age you die as there is no time restriction whatsoever. Literally, this is Life Cover for the whole of your life, guaranteed to pay out upon death. It is the guaranteed pay out that makes this cover hugely appealing and there are no catches.
* The whole of life insurance products we advise on contain no investment element.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE INHERITANCE TAX PLANNING ADVICE & ALTHOUGH A WHOLE OF LIFE PLAN CAN ACQUIRE A CASH VALUE ITS PRIMARY PURPOSE IS TO PROVIDE FINANCIAL PROTECTION AND SHOULD NOT BE SEEN AS AN INVESTMENT VEHICLE.
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Francis Cole is a trading style of Timothy Francis, an Appointed Representative of The Right Mortgage Ltd, which us authorised and regulated by the Financial Conduct Authority’.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK
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For any complaints, please contact The Right Mortgage & Protection Network at 01564 732 744 or in writing at St Johns Court, 70 St Johns Close, Knowle, Solihull, B93 0NH’, that would be fine.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567