Personal protection

Whole of Life Insurance+

Help clients plan for inheritance tax

Our lifetime plan adapts to the changes in your client’s life

Cover that lasts the whole of your client's life and is available on a single or joint life basis.  It helps you give your clients on-going protection throughout their lives, and pays a lump sum once they’re gone. It also works particularly well as part of your broader estate planning service.

Help your clients leave a legacy

Clients could help cover inheritance tax liabilities or leave a gift with a lump sum

Specialist High Value team

A personal, proactive service that meets the specific needs of high value clients

Guaranteed lump sum on death

Available on single, joint life first death, or joint life second death basis

Cover that helps to meet your client's needs

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

Get the client overview with our guide.

Product details

Why Whole of Life Insurance+?

Because it gives you an easy way to help your clients plan for their legacy. Whether that means helping to cover their potential inheritance tax liabilities, or simply leaving a gift for their family.

Take a look at our guide - Why choose Whole of Life Insurance+? - for a customer overview.

We know how important high value clients are to you. So, for cases over £500,000, you can expect a proactive and flexible approach to help us make faster decisions thanks to the bespoke service our specialist team provides

Facts and figures

Cover types

Waiver of premium

Support Plus

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 any time. 




Additional benefits

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

  • Life change benefit - take out additional cover without further underwriting
  • Separation benefit - in the event of divorce or separation, your client can cancel the joint policy and one or both of the lives can take out a new single 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

High value support

Your high value clients have specific needs and we’re here to help you meet them.

We have a specialist team of high value underwriting experts who only look after cases of over £500,000. They have a vast amount of experience in medical and financial underwriting for high value cases. They use this to give you a proactive and flexible approach that helps us make faster decisions.

Here's just some of the support they 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 any medical or financial underwriting requirements
  • Contact you with the final underwriting decision

We also have dedicated admin support for high value clients. They chase outstanding information, like GP reports, so you don't have to. They also provide regular updates in addition to those available through our business tracking facility.

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


Being there when it matters most

When your clients claim, we do everything we can to reduce their stress and anxiety.

This is an incredibly difficult time. Whether it’s helping with paperwork or answering questions about funeral arrangements, we’re there for your clients, and their families.

To make a claim, they can call us on:

0800 015 1142

Our lines are open Monday to Friday 8.00am - 6.00pm, Saturday 8.00am – 2.00pm (we are closed on Sundays).

You can leave a message outside of these hours.

Calls may be monitored and/or recorded.


Or, if they can’t face talking about what’s happened, your client can fill in an online form  to tell us they need to make a claim.

Quote, apply and track cases online

Visit ALPS

Business support

Doing protection business just got easier

We're committed to making it easy to do protection business with us, so we've produced a range of helpful support materials - all designed to save you time.

ALPS tracking guide

Knowing exactly what’s happening with your cases makes life so much easier. Take a look at our e-guide to learn how tracking can help your business.

ALPS in focus guide

Gain knowledge on what ALPS has to offer you, whilst discovering some of the tips and tricks that could save you time. 

Our High Value Team

A bespoke service for your high value clients.

Underwriting centre

Our digital hub contains everything you need to know about our underwriting.

Related content

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Critical Illness+

Standalone critical illness cover with a range of benefits and options, making it suitable for a range of clients' budgets.

Haven't found what you're looking for?

See our contact us page for a full directory.