Life Insurance Advice

What makes Worldwide’s life insurance advice different?

If you’re considering life insurance, consider taking advice from Worldwide before you do anything else.

At Worldwide, your life insurance advice is provided by fee-based independent financial advisers. Because they are not reliant on commission, they are not tied to any providers or products, meaning they will find the best insurance deal for you.

Call your FT award winning independent financial adviser in confidence now on 0800 0112825 or complete the contact form and your dedicated adviser will contact you.

Free initial meeting

Our life insurance advice and service to you is second to none and comes with a free initial consultation with your appointed adviser.

We also offer you our Fee Guarantee: You won’t pay any fees unless we can help you.

How will you help me?

During your detailed consultation, your independent financial adviser will listen carefully to all your life insurance needs and requirements to build a holistic view of your financial situation and lifestyle. This is so they can help you find exactly the right life insurance product.

Your independent financial advisers will study what life insurance and protection you have via all means such as your existing pensions, company pensions and historic policies. They will also assist you in calculating how much life insurance you need. For example, our advice will ascertain if you need a monthly insurance payment, a lump sum, an increasing lump sum or monthly payment. We will continue to reassess this each year.

Your adviser will then search the insurance marketplace to find you the most suitable solution. We have access to every life insurance provider in the UK and will find the cheapest plan, guaranteed.

If you decide you would like critical illness cover as well as life insurance, for example, they will help you to arrange that. Critical illness pays out a lump sum in the event of you being diagnosed with a critical illness (heart attack, cancer, total and permanent disability etc). Our life insurance advice service will explain this in detail to you.

Types of cover

We will explain which cover is best for you i.e. if you have a short term loan, a term assurance plan will probably be cheapest and best; whereas a young family who do not know how long they need cover for may need a whole of life insurance which continues as long as you are paying the insurance premiums.

Types of plan

Our life insurance advice will assist you in deciding whether or not a reviewable plan or a guaranteed plan is best. Often, in order to keep premiums lower, customers are sold a reviewable life insurance policy where the premium can increase at set dates. Some have been surprised to find that the premium soars (it can double) and is out of reach from an affordability point of view.

Will my family pay tax on the life insurance?

We will provide you with advice on the correct form of trust to ensure the proceeds go direct to your family or company rather than paying 40% tax on the way. Also there are trusts which ensure the life insurance never forms part of the estate for probate and moves speedily to those who need it – your beneficiaries.

All of this is within our unparalleled Financial Times award winning life insurance advice.

There are many providers and policies of life insurance, all with quirky differences which can make finding the right one difficult. Let Worldwide’s advice make this easier for you.

Life insurance is about protecting what’s important – your family: Life insurance advice from Worldwide will help you find the very best protection for them.

How do I apply?

We will apply online for you after we have taken you through our FT award winning advice and your dedicated independent financial adviser will stay with you from the beginning of the advice until your plan is fully in force.

Remember: You won’t pay any fees unless you we can help you.

Call your FT award winning independent financial adviser in confidence now on 0800 0112825 or complete the contact form and your dedicated adviser will contact you.