Life’s a journey that is full of chapters, surprises, and the people you hold dear. At Spirit, our whole of life insurance is about making sure you can look after your loved ones, no matter how long that journey lasts. It’s not just a policy that pays out whenever you go. It's a lifelong commitment, placed in trust to beat rising inheritance taxes, and packed with benefits traditional insurers can’t match. Let’s explore why this could be your forever plan.
A Lifetime of Certainty
Unlike term insurance that ends, whole of life cover sticks with you - guaranteeing a payout whenever the time comes. Want to leave your family the house, a cash legacy, or just ease their burdens? Spirit makes it happen. And here’s the kicker: every policy is automatically placed in trust, so your gift skips the estate and sidesteps inheritance tax - leaving more for your loved ones, not less.
Trusts: Your Legacy’s Best Friend
Inheritance tax is relentless - up to 40% on anything over £325,000 (or more with allowances), and it’s only getting steeper. Traditional whole of life policies might let that tax chip away at your payout. Not Spirit. Our free trust setup means your money goes where you want it - straight to your family, not HMRC. It’s a simple move with a big impact, and we handle it for you.
Spirit Shines Brighter Than Traditional
Imagine this: you and a friend both sign up for whole of life cover, same cost. They pick a traditional provider; you choose Spirit. Their family gets a payout; yours gets that plus a trust plus extras that lift them up - all arranged by your personal advisor:
- Global Treatment: Care anywhere life takes them.
- Fracture Cover: Protection for unexpected spills.
- Second Medical Opinion: Expert advice when they need it.
- GP 24/7: A doctor on call, day or night.
- Physio & Mental Health Support: Strength for the long haul.
- And More: Benefits that keep giving, generation after generation.
Your Guide Through It All
This isn’t a faceless deal. You’ll have one advisor - say, Joe, a dad who’d move mountains for his kids, Emma and Ross - who’ll get to know you and your dreams. They’ll tailor your whole of life plan to fit your life, not some template, and they’re just a call away. Traditional insurance might leave you guessing; Spirit leaves you supported.
Forever Starts Now
Whole of life with Spirit isn’t about endings - it’s about beginnings for those you love. Cover funeral costs, leave a legacy, or just give them a head start - all at the same price as the basic stuff, but with so much more. It’s your way to say “I’ve got you,” forever. And with our trust protection, you’re leaving nothing up to chance.
Ready to Build Your Forever?
Tell us a bit about yourself, and your dedicated advisor will reach out. We’ll shape a whole of life plan that’s uniquely yours - trust-secured, benefit-rich, and personal. Because at Spirit, looking after your loved ones is a promise without an expiry date.