Protection
Whole of Life Insurance Broker & Adviser in London
Lifelong cover that leaves a lump sum for the people you love
Bakerhill Associates advises clients across London on whole of life cover, which is often used to leave a legacy or help loved ones with an inheritance tax bill.
Based in Marylebone, we compare policies from leading UK insurers and can help you set the cover up in trust.
What is it?
As the name suggests, Whole of Life Insurance is a policy that guarantees a payout whenever you pass away, not just within a set term. Unlike term assurance, which only covers you for a fixed number of years, this type of cover provides lifelong protection, offering peace of mind that your loved ones will receive a tax-free lump sum regardless of when death occurs.
Because the payout is guaranteed, premiums are generally higher than term policies. However, many whole-of-life plans also include an investment component, which means the policy may build cash value over time or offer flexibility in premium payments, depending on the structure.
Why Choose Us?
We understand that whole-of-life cover is not just about protection, it’s about planning. With deep experience in working with high-net-worth clients, we design bespoke solutions that align with your estate, tax position, and long-term goals.
Our expert advisors work discreetly to secure the right cover with the most trusted providers in the market.
Who is it for?
Whole of Life Insurance is ideal for individuals who are looking to provide a guaranteed legacy, and for those with longer-term estate planning needs. It is especially suitable if you:
Want to leave a fixed lump sum for your family, beneficiaries, or chosen causes.
Need to plan for Inheritance Tax liabilities.
Hold debts or liabilities that will extend beyond your lifetime.
Want a permanent, reliable solution that doesn’t expire with age.
Are seeking a more flexible policy that may offer investment value.
This type of policy can form a key part of an intelligent wealth transfer strategy, ensuring your estate is protected and your intentions are honoured.
* 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 AQUIRE A CASH VALUE ITS PRIMARY PURPOSE IS TO PROVIDE FINANCIAL PROTECTION AND SHOULD NOT BE SEEN AS AN INVESTMENT VEHICLE
Get in touch
Let’s explore how Whole of Life Insurance can become a strategic part of your legacy.
Book a private consultation today.