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 ongoing 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

Includes Aviva DigiCare+

Helps your clients prevent, detect, and manage common health and wellbeing concerns directly from their smartphone

Aviva DigiCare+

Aviva DigiCare+ can help your clients prevent, detect and manage health and wellbeing concerns. 

We've carefully selected third parties to offer a wide range of added-value benefits, available through an app that can help your clients go beyond financial protection.

Aviva DigiCare+ gives your clients extra peace of mind and the control to help make health and wellbeing a priority. 

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.

Our Whole of Life Insurance+ is a hassle-free way to provide ongoing 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.

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, and for policies where the premium is over £500 per month, 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

Aviva DigiCare+

One app with a world of support

The Aviva DigiCare+ app places a range of health and wellbeing benefits right at your clients' fingertips. The app is powered by Square Health and the benefits are provided by a number of carefully selected third parties. The benefits in the app link to each other, helping your clients turn advice into action.  

If your client purchases Whole of Life Insurance+, they'll receive Aviva DigiCare+ at no extra cost. They can use the benefits as soon as their policy is live and they’ve downloaded the app, with the annual health check giving a great starting point by providing an overview of their health. Within the app your client will find:

Health & lifestyle benefits to help prevent and detect ill health and keep your clients well;

Treatment support to get help when illness has already struck, and

Bereavement support to help ease some of the unnecessary burden at the worst of times.

Aviva DigiCare+ is a non-contractual benefit Aviva can withdraw at any time. Terms and conditions and privacy policy apply, and can be found within the app.

Find out more

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

We're proud of our strong track record of paying claims.  Visit our claims hub for details of the claims we've paid and the great work we do to support our customers when they need us 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 in focus guide

Find out what ALPS has to offer, along with 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

Aviva DigiCare+

Help your clients take control of their health and wellbeing with the Aviva DigiCare+ app. 

Income Protection+

Help protect your client against loss of income due to illness or injury and discover the extra benefits that could help your clients get back to work.

Critical Illness+

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

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