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Whole of life plans are the true definition of Life Assurance with no expiry date they are the best way to guarantee a lump sum no matter when you pass away.
Cover funeral expenses - The average funeral cost in the UK in 2017 was excess of £4,078 (source SunLife)
Inheritance Tax - Protect your family from a large inheritance tax bill
Debts - Have your debts paid off when you pass away
Increase your Estate - Simply provide as much financial assistance for your family after your death as you can afford
Cheaper than Over 50's if healthy - If you are in good health a Whole of Life plan is cheaper
Whole of Life insurance starts as low £5 per month.
But... the cost of the insurance is based on a personal combination of a number of factors such as: how much will it pay out, your age when you buy it, your health and whether you smoke.
Everyone is unique, requiring different amounts of cover, for different purposes.
When deciding on your cover you may want your plan to be index linked so that your benefit does not devalue with inflation. This will slowly increase your premium over time as your cover rises.
It is important to balance your payout with what you know you can afford, not just now but in retirement.
Excellent Service We have been using Andy to arrange our life insurance for over 5 years now and he has always provided a friendly, reliable and personal service. We would highly recommend him to friends, family and anyone else considering reviewing their life insurance needs.
Great job very friendly, and everything set out and explained to me. Found me some great deals and set it all up for me hassle free. Would highly recommend to anyone
Recommended without reservation. A most professional service.
Extremely helpful (and patient) throughout the switch to our new Life Insurance policy. They chased each staging post along the way on our behalf and regularly made contact to keep us informed. Great service!
The advisor Andrew was very polite, efficient and found the best life insurance that suited my needs
Professional service, very helpful, clear and concise guidance. Andy provides impartial advice, helped secure the best life insurance deal and provided a superb will writing service.
My enquiry was dealt with very professionally by Andrew Burton. Everything explained in detail and in such a friendly manner. I was more than happy to put my life insurance in place,and would strongly recommend this site. K.McCarthy.
A very good detailed quote well presented and a very friendly person who gave me a couple of quotes and was very good at his job I would strongly recommend this company
FABULOUS How thorough , knowlegable and patient is Andy Burton THE one for all you security needs .. Peaceful times ahead Thank you
Extremely brilliant service and very informative and staff are very helpful
Excellent in all respects. Friendly, efficient and clearly explained everything. Would highly recommend.
Very relaxed advisor ,made me feel at ease.Excellent level of knowledge.I felt absolutely no pressure.Thank you Andy.
He was very efficient and professional throughout our telephone conversations. I would certainly recommend Andrew Burton - owner of Sandbourne. I will certainly be using him in the future with other matters and I will recommend him to friends and family.
Great website! Totally hassle free, efficient and friendly advice. Given all the options to look through to decide what was best for me. Would highly recommend!
We are so pleased that we went with this company. Such a lot of help, and nothing was too much trouble. At a time like this it is hard to know what to do and how to do it, but the advice was there straight away and we were put at ease immediately. Without any hesitation we would recommend this Company.
I have been dealing with Andy since my son was born in 2012 and even now he still helps me even when on holiday with his Wife (he got a telling off by me lol) I will never go to anyone else as long as Andy is still doing the same job!
Difficult subject made easy. Many thanks for your easy to talk telephone quote.I had difficulty with my computer bombing out at the time of looking for this, but I would have no hesitation in calling for help in the future. Thank you Andrew Burton. Regards Sandra Saunders.
Brilliant 5* Brilliant service throughout! Thank you so much.
Andy was extremely helpful and polite...I explained what I needed, and he delivered. Simple.
Lovely experience! Such a friendly, easy experience! Andy Burton took the time to explain every option thoroughly, to listen to exactly what it was we wanted and we never ever felt rushed. He was equally professional and friendly and immediately put you at ease. Things were explained so well to ensure I understood everything and every option thoroughly! It was a much more personal experience then we have had with other companies and I would honestly recommend this company to everybody!
Excellent service Andy is a first class professional, what stands out is his integrity and his commitment to you as a client. He is knowledgeable and his foremost intention is to obtain the best deal for your circumstances. Do not hesitate to give him a call, even if its only advice you are seeking. The discussion you have will ultimately only benefit your future decisions regarding life cover, health insurance…. etc.
Fabulous first rate service Never described Insurance shopping as a pleasant experience before but this really was. Andrew is fantastic, very knowledgeable and sells you what you need. No hidden extras or fees and the free will with every policy is brilliant. I would have no hesitation in recommending Andrew.
very friendly, efficient and informative and took time to explain things. I work for a large company and would definitely recommend to my work colleagues, of which I will.
Extra mile It is always important to have all the facts before you commit to anything - like crossing the road, is there any cars coming? Andy ensures that all the facts are well explained and offers a no frills and no B*** S*** answers to all questions.
Positive experience Very helpful, personal service that was much more informative than other, much-advertised operators who were more about getting my business than ensuring it was appropriate to my needs.
Policy to cover funeral costs Very helpful advice, well explained. Not intrusive and job done.
Knowledgeable and efficient Very impressed with the level of service provided, Andrew was very knowledgable about the various insurance options and provided clear straightforward advice in an efficient manner. Andrew helped us to obtain value for money and the right insurance product for us and made things simple. I would not hesitate to recommend to friends.
Quotation for PMI Extremely helpful ... Andrew gave a complete justification for his recommendations.
Great service, great product We were given a recommendation for lfie insurance and income protection insurance. We weren't disappointed, the quotes were better than anywhere else we'd found, the service was brilliant - both personal and convenient as they called when requested and keep following up when you were trying to make decisions. The whole process from initially talking to Andy, all the way through to receiving our documentation and setting up the direct debit, was so easy and stress-free.
Very good customer service. Very good service from Andrew in terms of advice, assistance and application. Andrew is very experienced in this field and takes the time to call you and answer any questions that are related to your needs ensuring that the right product is chosen and at the best possible price. Highly recommended. Jaz.
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Whole of Life insurance protects your loved ones in the event you pass away.
You decide on the amount of money paid on your death or how much you wish to spend, and the plan will guarantee a payout no matter when you pass away (providing you can afford your premiums).
It depends on your personal circumstances; you may want to leave enough money for a funeral, help with Inheritance Tax planning, or simply leave an additional lump sum for any purpose.
No, Critical illness is only available on a term insurance basis, usually expiring around your expected age of retirement
Fixed - The price will remain the same until you pass away
Age Rated - Cheaper initially but the price will increase each year as you get older; this can lead to forcing you to cancel the plan in old age if it becomes unaffordable or force you to reduce the cover.
Some providers allow you to modify a number of aspects of your plan using a "guaranteed insurability option":
Decrease the sum assured
Remove an individual from a joint plan - It may be possible to "split" a joint plan into individual plans if a couple divorce or change a mortgage to individual ownership.
Some people may find it difficult to take out life insurance if they have a serious pre-existing medical condition. Depending on how severe the condition some providers may increase the price or decline cover.
However many insurance companies look at conditions in different ways, so just because one company increased the price or declined cover does not necessarily mean they all will.
The best thing to do is give us a call and using our experience we will find the provider who will look at your circumstances in the best light.
Whole of life Insurance has no expiry date and will pay out no matter how old you are when you pass away.
Term Insurance will expire at a given age or after a set number of years. The shorter the plan the cheaper it will be as the risk increases of you outliving the policy.
Yes we can help you place your life insurance plan into trust for FREE when you take out a plan.
This can help you reduce your inheritance tax liability and will generally get the money to your loved ones faster than where probate is required.
Yes, although some providers offer an early payout option should you need to go into care in later life.
Yes, you can cancel a plan at any time however you won't get any money refunded. If you cancel within the first 30 days you will get your first premium returned.
If your life insurance is placed in Trust however you will need the permission of all the trustees to cancel the plan.
This will depend on whether you have a fixed price or not, and whether your plan is index linked to increase in line with inflation.
In most cases individual plans are best for whole of life as it will guarantee a payout when both of you pass away. However there may be circumstances when a joint plan is more suitable:
You have no children and only want to protect each other - In this circumstance a "joint life first death" is better. This will be a lot cheaper as it only needs to pay out once, as soon as either of you pass away.
You only need the plan to pay out after you have both passed away - This is usually for Inheritance Tax purposes. In this circumstance a "joint life second death" plan is suitable. Joint life second death plans are the cheapest form of permanent life insurance because it is only for the benefit of your children/family, you both need to pass away for the money to be paid out.