Should I get Whole of Life Insurance?
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You should get Whole of Life Insurance if you feel that you need it and can afford the policy premiums. Whole of Life Insurance differs to regular Life Insurance as there is no end date to the policy term. Whole of Life Insurance is typically used to cover funeral expenses upon your death and you are almost certainly guaranteed a payout upon your passing; provided that you have been fully truthful on your original application. The policy is more expensive than Term Life Insurance as it guarantees a payout if you keep up your premiums. The policy should not be confused with Over 50s Plans which are more expensive and are not medically underwritten.
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