Peace of mind for the rest of their life
A whole of life policy is designed to give your client cover for the rest of their life and helps your clients protect their wealth and provide for their family when they die.
Our Whole of Life Protection Plan is designed for those who want added comfort of knowing that their family will receive a lump sum after their death. It can be used to protect their family’s lifestyle, living expenses, or to fund inheritance tax liabilities.
Tools and calculators
Key features and benefits
Fast underwriting decisions
83% of underwriting decisions receive an instant decision.
Options for joint policies
The policy can be set up at outset on joint life first death, or joint life second death basis.
Includes Accidental Death Benefit
Your client is covered while we process their application.
Changing Your Policy option
Allows your client to increase cover on specified events, without further medical questions. Eligibility criteria and restrictions apply.
Waiver of Premium option
For an additional cost, your client won’t have to pay their premium after 26 weeks if they can’t work due to illness or injury.
Protect against inflation
Option to choose increasing cover, which increases in line with the changes in the Retail Prices Index.
Support from Umbrella Benefits
Access included as standard. Personalised practical and emotional telephone support from a registered nurse. Provided by RedArc Assured Limited.
Quote and apply with OLP Connect
Submit and track business with our all-in-one pipeline management system.
For full details, see key documents for the Policy Summary and Policy Terms & Conditions
For full details, download the Product Profiles document
|Maximum cover without Increasing Cover option (also known as indexation)||
|Maximum cover with Increasing Cover option (also known as indexation)||
|Type of cover||
|Joint life policies||
|Death in the first year||
Benefits and options
|Accidental Death Benefit|
|Changing your policy (previously known as Guaranteed Insurability Option)||
|Increasing Cover (also known as indexation)||
|Waiver of Premium||
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