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1st Financial Services ltd1st Financial Services ltd1st Financial Services ltd
Phone: 01293202970
info@1stfinancialservicesltd.co.uk
United Kingdom

Whole of Life Insurance

Whole of Life Insurance

As the name suggests, Whole of Life Insurance protection for the entire duration of your life until your eventual death, so there is no time limit on the cover you receive. Due to this non-stop cover, the premiums for whole of life insurance are higher than term life insurance but, your payout is guaranteed, no matter when you die.

What’s covered

  • Lump sum payment
    You can choose up to £5 millionworth of cover and we’ll pay the full amount after a successful claim
  • Protection if you die
    We’ll pay a lump sum if you pass away during the policy term – simple as that
  • House purchase cover
    If you’re taking out Whole of Life Insurance to coincide with the purchase of a new house, we’ll give you up to 90 days free life insurance. The free cover begins when we’ve accepted your application and you’ve exchanged contracts/completed missives, as long as you’ve given us a future start date that coincides with the completion of your house purchase. Terms apply. See policy summary for full details
  • Terminal illness
    Receive your lump sum payment early if you’re diagnosed with a terminal illness that meets our definition and you’re not expected to live longer than 12 months. Once payment is made your policy will end and no further claims will be paid
  • Flexible length of cover
    You can choose the length of cover you need – from short-term to 50 years, or until you’re 90 years old
  • A separation benefit
    If you separate from your partner, we can split your joint policy into single policies

When you set up your whole life insurance policy, you’ll have to choose what payout you want. Then you’ll start paying a monthly premium. If you carry on paying your premiums, the policy will pay out to your family when you die. Whole life insurance rates are usually higher than with other types of life insurance, because the policy lasts your entire life. That means you’re almost guaranteed a payout.

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Melbourne, Australia
(Sat - Thursday)
(10am - 05 pm)
Melbourne, Australia
(Sat - Thursday)
(10am - 05 pm)
Melbourne, Australia
(Sat - Thursday)
(10am - 05 pm)
Melbourne, Australia
(Sat - Thursday)
(10am - 05 pm)

A Special Announcement for Our Customers

1st Financial Services ltd believes in the safety of our customers. Our work process is dedicated to maintaining a clean and worry-free atmosphere for our customers and employees. 1st Financial Services ltd employees wash their hands often while wearing a mask and protective gear while in your commercial space. All used materials are disposed of properly to ensure the safety of our employees. If an employee feels sick, they stay home.