Guaranteed Whole of Life Insurance

The benefits of a Guaranteed Whole of Life plan for you and your family

We've designed our Guaranteed Whole of Life plan to give you all these great benefits:

A financial safety net for your loved ones

Whilst you can't guarantee always being there for your loved ones, you can take steps to help protect them financially. With a Guaranteed Whole of Life plan, your loved ones will receive a guaranteed cash lump sum whenever you die, which could be essential in helping them to survive without your income.

Your next steps to apply for a Guaranteed Whole of Life plan

Call us on 0800 092 7751* to get a quote

We can only advise on our own products.

A way to deal with inheritance tax

If the value of your individual estate is worth over £325,000 (valid for the 2012/13 tax year) then your family could be faced with a substantial inheritance tax bill.

The Guaranteed Whole of Life plan can be used to help provide your family with the money to pay an inheritance tax liability. In addition, you have the option to put your plan in trust, which removes it from the rest of your estate to avoid increasing your potential inheritance tax bill.

This information is based on our understanding of current tax laws. Please remember that tax rules may change in the future.

Your choice of cover

You decide how much cover you want. This can be any amount up to £5,000,000 if your cover stays the same for the duration of the plan, or £2,500,000 if you choose the yearly increase option when you take the plan out. This option increases your cover and your premium by 5% each year, which can help protect the amount against the effects of inflation.

The extra cover feature is also part of the plan, at no extra charge, subject to underwriting. This allows you to increase your cover during the plan if your potential inheritance tax liability increases, either because tax laws change or you receive a gift, or inheritance, of cash or residential property.

It's easy to apply for life insurance

Just call one of our advisers for an instant quote. They'll be able to answer all your questions and help with your application. Our advisers can only offer you advice on Aviva's life insurance plans.

Call us on 0800 092 7751* to get a quote

We can only advise on our own products.

* Lines are open Monday to Friday 8am - 9pm, Saturday 9am - 5pm and Sunday 10am - 4pm. Calls may be recorded and/or monitored for our joint protection.

WC05070 04/2012