If you're a UK resident aged between 50 and 80, we guarantee to find a life assurance policy without a medical. For clients in good health, this may not be the most appropriate or lowest cost type of cover for your needs, but we will be happy to advise on the most appropriate policy for your circumstances. This may be of interest to the following: People looking to ensure there is sufficient money available for a funeral Those looking to leave a legacy to their children, but who have not accumulated sufficient savings. Inheritance Tax Planning. Business / Partnership Protection Whole of life insurance means that your cover lasts for life provided you pay all premiums due. If you stop paying premiums your cover will stop. Provided you maintain your premiums, your cover will carry on for the rest of your life. You may pay more in premiums than the plan would pay out on death; this depends on how long premiums are paid for. All of your premiums are used to cover the cost of your life cover and expenses. The plans also have low cost premiums that are normally guaranteed never to rise. This type of whole of life insurance plan pays out on death and has no cash in value at any time, we do not advise on investment-linked contracts. For clients in good health, this may not be the most appropriate type of cover for your needs. Contact us to discuss your requirements and we will be happy to give advice on the most suitable type of cover.