What is typically the most suitable life policy for someone uncertain about their mortality?

The most suitable life policy for someone uncertain about their mortality is a whole of life policy. This type of insurance provides coverage for the entire lifetime of the insured, ensuring that a death benefit will be paid out regardless of when the policyholder passes away. This characteristic offers peace of mind to individuals who have concerns about their longevity, as they know their loved ones will receive a benefit no matter when it occurs.

In contrast, term life insurance primarily covers a specific timeframe, which may create a sense of uncertainty if the policyholder outlives the term. An endowment policy combines life insurance with a savings component, but it typically matures either at a certain age or upon death, which does not specifically address concerns about mortality uncertainty. Critical illness cover, while valuable in providing a benefit upon the diagnosis of a serious health condition, does not serve as a life insurance policy in the traditional sense, as it is focused on specific health events rather than offering a death benefit. Therefore, a whole of life policy stands out as the most comprehensive solution for someone looking for assurance regarding their mortality.