Whole of life insurance provides lifetime cover, guaranteeing your loved ones a pay out.
Due to the fixed sum assured, it can be used to cover the same financial commitments as level term cover.
Alternatively, as cover lasts for life, it’s ideal for providing an inheritance.
You’ll be required to provide medical information, as well as other key information, during the application process. This means you’ll need to declare your epilepsy.
For those with severe epilepsy, who’re likely to experience inflated premiums, whole of life insurance may not be the most cost effective option.
If wanting to provide a guaranteed pay out, and if you fit within the age bracket, you may want to consider an over 50s plan.
Those for those with mild epilepsy, who can secure cover on standard terms, you should be aware that it’s possible to pay more into a whole of life policy than it will pay out if taking out cover at a young age.
Whole of life insurance tends to be well suited to those who’re later on in life but can still secure cover on standard terms.
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