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  Whole of Life Insurance+

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Cover that helps to meet your client's needs

Whole of Life Insurance+ lasts the whole of your client's life and is available on a single or joint life basis.  

So whether your client wants to help cover their potential inheritance tax liabilities, or simply wants to leave a gift for their family,they can be safe in the knowledge that, in the event of a successful claim, the lump sum will be paid once they’re gone.

Quote and apply

Key information

You can call our protection sales and support team on:

 0800 056 2181

Open Monday-Friday, 9am-5pm

Or speak to our dedicated High Value team on:

 0800 092 9964

Open Monday-Friday, 08.30am-5.30pm

Why choose Whole of Life Insurance+ for your clients?

 WOL+ in focus guide

Take a look at our guide for a customer overview.

Find out more

Our Whole of Life Insurance+ is a hassle-free way to provide on-going protection as part of your broader estate planning service. It provides life cover with no fixed term - it lasts the whole of your client's life.

An important part of your client’s future is what they leave behind. Whole of Life Insurance+ offers a simple solution to helping your client mitigate inheritance tax liabilities that they or their dependents may otherwise be impacted by. It can also help your client to provide a gift for their family after they’re gone.

And with Aviva you get a personal, proactive service from a brand you can trust, together with technical support.

Whole of Life Insurance+ from Aviva – offers your client the whole package.

A specialist team for specialist business

High value clients have specific needs and our specialist high value team are on hand to help you meet them, every step of the way.

Looking after cases of over £500,000, our high value underwriting experts have vast experience of both medical and financial underwriting for high value cases, so you can expect a proactive and flexible approach to help us make faster decisions. Here's just some of the support they can offer:

  • Complete the initial assessment of an application within 24 hours
  • Assess any other evidence associated with the application within 48 hours
  • Contact you to discuss underwriting requirements (medical and financial)
  • Contact you with the final underwriting decision

As well as help with underwriting, our dedicated admin support are on hand to chase outstanding information like GP reports and checking if advanced payments are required regularly so you don't have to, providing regular updates in addition to what you can already access on our business tracking facility.

 High value sales aid

Read our guide for a full overview of everything our specialist high value team has to offer.

Find out more

shield Policy features

Whole of Life Insurance+ is available with the following policy features

  • Guaranteed lump sum on death
  • Available on single, joint life first death or joint life second death basis
  • Guaranteed premiums
  • Level cover
  • Choose whether the benefit goes up over time
  • Option to protect premium payments 
  • If the client stops paying their premiums the cover will end and they won't get anything back
  • Whole of Life Insurance+ has no cash-in value at any time

shield Additional benefits

Whole of Life Insurance+ comes with a wide range of benefits available at no extra cost:

  • Life change benefit - take out additional cover without further underwriting
  • Separation benefit - in the event of divorce or separation, your client can split the joint life policy and take out a new single life policy without further underwriting
  • Inheritance tax benefit - take out additional cover if a change in inheritance tax legislation results in an increase to your client's inheritance tax liability without the need for further underwriting

shield Optional benefits

We offer the following cover options :

  • Waiver of Premium - pays your client's premiums if they are unable to work due to illness or injury as defined in the policy conditions (this option is at an additional cost)
  • Increasing cover - automatically increase the cover amount each year without further underwriting to help protect against the effects of inflation

Here are some of the things you need to know about our Whole of Life Insurance+ policy:

Cover types

Cover type Detail
Level cover
  • Pays the cover amount as a lump sum if a successful claim is made
  • The cover amount stays the same throughout the policy term.
Increasing cover
  • Pays the cover amount as a lump sum if a successful claim is made
  • The cover amount increases each year by a fixed percentage or in line with RPI
  • Your clients premiums will increase by up to 2 times the percentage increase in the cover amount.
Cover basis
  • Single life
  • Joint life first death
  • Joint life second death


Criteria Min/max Detail Notes
Level cover Max age at entry 85
  • Pays out on death
Increasing cover Max age at entry 85
  • Pays out on death
Term - -
  • Whole of life
Cover limits
Min cover amount -
  • £30,000
Max cover amount -
  • £10,000,000 Level cover
  • £5,000,000 Increasing cover.
Payment limits Min premium £5 a month
  • Premiums must be paid by Direct debit


Option Maximum Detail Notes
Index-linked increasing cover Max age at entry 85
  • The cover amount increases each year in line with the Retail Prices Index (RPI) increase up to a maximum of 10%
  • Your clients premiums will increase by up to 2 times the percentage increase in the cover amount.
Fixed increasing cover Max age at entry 85
  • The cover amount increases each year by a fixed percentage
  • Rates are available from 3% or 5%
  • Your clients premiums will increase by up to 2 times the percentage increase in the cover amount.
Waiver of premium Max age at entry 64
  • We will stop collecting your client's premiums if they are unable to work due to accident or injury
  • This benefit is available at an extra cost
  • Your client can choose a deferred period of one, three or six months
  • This benefit will cease when the life covered reaches age 71, but the policy will continue
  • When selected for each life on joint life cover this will cease when the eldest of the lives covered reaches age 71.

Doing protection business just got easier

However you write protection business, we're committed to making it easier. We've produced a range of helpful support materials - all designed to save you time.


Inheritance tax calculator

Our simple calculator can help you quickly work out your client’s potential inheritance tax liability based on their current assets and liabilities.

Open the calculator

ALPS in focus guide

Understanding our system is key to making sure you are writing business with us in the most efficient and simple way. Use this guide to gain knowledge on what ALPS has to offer you whilst also discovering some of the tips and tricks that could save you time

Download the guide


ALPS in focus ss

ALPS 1 page flyer

We're constantly improving

We've introduced significant improvements to our system, making it easier, simpler and faster to use - no matter what type of protection business you write. See how these changes will benefit you.

Find out more


Do business the way it suits you

No one likes repeating themselves. Read more about how our quote edit functionality provides the streamlined process you asked for.

Discover more

Guide to tracking

Start saving time by signing up for business tracking. Get real-time updates and stay on top of what's happening with your cases, without having to pick up the phone.

Find out more

You said, we did

We value your opinions. Providing solutions to the problems you face on a daily basis inspires us to constantly improve. Learn first-hand from our people why we do what we do. 

Find out more

Family together

Looking after your client and their family

When you recommend one of our personal protection policies to your client, you can relax, safe in the knowledge that we’ll be there for them and their families when it really matters. Of course, this means we’ll be on hand with financial support if the worst should happen. But with our policies, you get so much more than that.

We’re proud of the services we offer, helping your clients to live more healthily, caring for them through illness and injury and being there to support them and their family in the event of bereavement. For more information on any of the services listed and what's included with your clients' policy, please read our Support Services Leaflet.

Please be aware that all of the benefits listed below are non-contractual and we can remove them at anytime.


Carer Support by Workplace Options
Carers for children, the elderly or those with a disability can access specialist support through Workplace Options, providing access to a range of resources and services to help with some of the challenges faced.

Get Active Gym Discounts
We’d like to think we can help your customers stay healthy which is why your clients can take advantage of great gym discounts.


Mental Health Counselling with Workplace Options
Life can be tough sometimes, so it helps to have someone you can talk to. We provide access to face-to-face or telephone-based counselling for your client, their partner and children aged 14 upwards for minor counselling and 8 upwards for family counselling. Parents living in care homes can also benefit too. .

Second Opinion by Best Doctors
Gives your client access to Best Doctors' network of medical experts who can give them answers to any questions they may have. Once your client has contacted Best Doctors, they will collect their medical records and choose the most appropriate medical specialist for their condition. The doctor will then review your clients' case, providing their expert medical opinion in a report which includes:

  • Confirmation of your client's diagnosis
  • Treatment recommendations

Bupa Anytime Healthline
This provides a telephone support service that gives your client access to a qualified nurse 24 hours a day, 7 days a week. Your client can use this service to get answers to any questions or concerns they may have about a specific medical condition or to get practical advice on their general health and wellbeing. They can also use the service with regards to their loved ones - for example, if they are worried about their children's health.


Estate Administration through MyDigiExecutor

Dealing with a death can be an emotional and stressful time; the paperwork can be confusing and difficult which is why we offer a discounted fixed fee legal and probate service, providing digital and over the phone assistance when you need it the most. Expert guidance can be provided at no extra cost to help you deal with the immediate steps following the death of someone.

Advanced Funeral Payments

Dealing with the loss of a loved can be a stressful time; to make things easier for your client or their family, we can pay the funds from a death claim straight to the funeral director.

Bereavement Guide
We aim to make the practical side of a bereavement process as straightforward as we can. We have a helpful guide designed to lead your customers through the practicalities of registering a death and what do next. Highlighting legal services that help make sure everything is dealt with properly and in accordance with the law.

Bereavement Counselling
Aviva life cover isn’t just there to pay a claim, we also provide those left behind with up to 6 face-to-face or telephone counselling sessions from a qualified counsellor.

Being there when it matters most

Mother and child

When a claim is to be made, we’ll do all we can to reduce the stress and anxiety at what can be an incredibly difficult time. From help with filling out paperwork to answering questions about funeral arrangements, we’ll be there for your client or their family, when they need us most.

To make a claim, they can call the team on:

 0800 015 1142

Or, if they can’t face talking about what’s happened, they can get the process started online instead. Our dedicated claims website includes a form your client can fill in to tell us they need to make a claim. There’s also a step-by-step guide to making a claim and the answers to some frequently asked questions.

Protection planning

Our protection articles can help support your financial planning process and offer the opportunity to earn CPD hours.

Claims information

If your client needs to make a claim, you can feel confident that we'll get things right for them at a difficult time.

Underwriting centre

Developed and tested with advisers, a one stop shop for everything you need to know about our underwriting.

Tools & calculators

Access a wide range of handy tools and calculators, designed to help both you and your clients.

Contact us

You can find contact details for each product area in the drop-down list:

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WA02252 05/2019