Whole of Life

Overview: The plan is a regular premium, non-qualifying, non-profit whole of life (WOL) plan designe...

Caroline, 25 and John, 30, are about to have their first child. Caroline works as a PA and John works for a management consultancy firm in London. They have a combined salary of £45,000. They do not have insurance of any kind, but are aware they need...

IHT: Budget decision unlikely to impact on stuttering market for WOL products

Gemma, 30, has just bought her first property with a mortgage of £147,000. As she has income protection cover through her employer, Gemma is looking to take out a personal critical illness plan. Although she is a fitness fanatic and does not smoke, her...

Skandia protect fixed-term

Despite ailing sales figures, industry experts are adamant whole of life products still have a place in the market. Johanna Gornitzki reports Click here to download pdf

WOL

Despite a fall in sales and the continued popularity of term plans, Angela Faherty discovers that whole of life products still present a viable solution in the protection market Click here to download pdf

Although whole of life sales have suffered due to cheap term rates and the poor stock market, it can still provide the best solution for some clients, finds Paul Robertson

Life assurance is one of the most basic yet crucial forms of protection. With so many options to choose from, Stephanie Spicer explains what advisers need to know to get the best benefits for their clients