Lifelong Protection
Whole of Life Cover with Straightforward Support
Whole of life cover provides lifelong protection and guarantees a payout whenever you pass away, as long as your premiums are kept up to date. It offers long term financial security and reassurance that your loved ones will receive a fixed sum to help with future costs or form part of the legacy you wish to leave. Because the cover lasts for your entire life, it can serve as a reliable element of your financial planning and offer stability at a time when support matters most.
Reasons for Choosing Craig Mortgages and Protection...
From our first conversation through to putting the right cover in place, we’re by your side every step of the way. Our service doesn’t stop once your policy is arranged, we continue to support you with everything that follows, from helping you understand your cover and options to assisting with paperwork and making sure any updates or changes are handled smoothly.
Expert Guidance
Clear, knowledgeable advice tailored to your circumstances, ensuring you feel confident at every stage of the journey.
Smooth Process
We handle the details, reduce complexity, and keep everything on track to make the experience as stress‑free as possible.
Market Access
With access to a wide range of trusted insurers, we work to find the most suitable options for your needs.
Ongoing Support
We’re here for you until everything is complete, and beyond, ready to assist whenever you need us.
With access to multiple providers, we'll explore more competitive cover specifically tailored to you.
Frequently Asked Questions
Get quick, helpful answers to the most common questions.
Whole of Life policies are designed to pay out a lump sum whenever you pass away, as long as premiums are maintained. They’re often used for estate planning or leaving a guaranteed legacy.
Premiums can be fixed or reviewable. Reviewable premiums may change over time based on the insurer’s assessment. We’ll help you understand the difference so you can choose confidently.
Most Whole of Life policies require medical underwriting, as the insurer is guaranteeing a payout. This varies by insurer and your personal health history.
You can usually cancel at any time, but you won’t get back the premiums you’ve paid. We’ll make sure you’re aware of this before taking out cover.
No. Over 50s plans typically guarantee acceptance and offer lower payouts, while Whole of Life policies are fully underwritten and can provide more substantial cover.