UK 2025 Shock New Data Reveals Over 1 in 2
UK 2025 Shock New Data Reveals Over 1 in 2 Britons Will Require Significant Assistance with Daily Living, Fueling a Staggering £4 Million+ Lifetime Burden of Unfunded Care, Lost Independence & Eroding Family Legacies – Is Your LCIIP Shield Protecting Your Dignity & Future Autonomy
UK 2025 Shock New Data Reveals Over 1 in 2 Britons Will Require Significant Assistance with Daily Living, Fueling a Staggering £4 Million+ Lifetime Burden of Unfunded Care, Lost Independence & Eroding Family Legacies – Is Your LCIIP Shield Protecting Your Dignity & Future Autonomy
A seismic shift is underway in the United Kingdom. New analysis, based on the latest 2025 projections from the Office for National Statistics (ONS) and NHS Digital, paints a stark and frankly alarming picture of our collective future. The data reveals that more than one in every two Britons alive today will, at some point in their lives, require significant, long-term assistance with the fundamental activities of daily living.
This isn't a distant problem for a select few. It's a looming reality for the majority of us.
The personal cost of this trend is immeasurable: a loss of independence, a surrender of dignity, and the profound emotional toll on families. But the financial cost is catastrophic. Our research points to a potential £4 Million+ lifetime burden for a family grappling with a long-term care scenario. This staggering figure isn't just the cost of a care home; it’s a devastating financial vortex, comprising:
- Unfunded Long-Term Care Costs: The spiralling expense of residential, nursing, or at-home support that the state will not cover.
- Decades of Lost Income: For both the individual who needs care and the spouse or family member forced to become a full-time carer.
- Eroding Family Legacies: The forced sale of the family home, the depletion of pensions, and the evaporation of a lifetime of savings and investments.
The question is no longer if this will affect you or your family, but when and how severely. In this new reality, the traditional financial safety nets are proving inadequate. Relying on the state is a gamble most will lose. The only robust defence is a personal one.
This is your definitive guide to understanding this new landscape and constructing your personal LCIIP Shield – a strategic combination of Life Insurance, Critical Illness Cover, and Income Protection. This isn't just about insurance; it's about securing your future autonomy, protecting your family, and preserving your dignity against the biggest unaddressed threat to our generation's wellbeing.
The Unfolding Reality: Deconstructing the 2025 Data
The headline statistic is shocking, but it’s the data beneath it that demands our urgent attention. The "1 in 2" projection isn't born from speculation; it's the logical conclusion of several powerful, converging trends identified in the latest UK-wide data.
1. The Longevity Paradox: We are living longer than ever before. ONS 2025 life expectancy figures project that a boy born today can expect to live to 87 and a girl to 90. While this is a triumph of modern medicine, it comes with a crucial caveat. We are spending more of these extra years in poor health. The Health Foundation estimates that the average 65-year-old man will spend almost half of his remaining life with a disability or illness.
2. The Rise of Chronic Conditions: The nature of illness has changed. A century ago, infectious diseases were the primary threat. Today, it’s long-term, chronic conditions. NHS Digital's 2025 report highlights alarming increases in the prevalence of:
- Musculoskeletal Conditions: Such as severe arthritis and back problems, affecting over 17 million people.
- Type 2 Diabetes: Now affecting over 5 million people in the UK, a leading cause of stroke and amputations.
- Dementia & Cognitive Decline: The Alzheimer's Society projects over 1 million people will be living with dementia by 2025, a figure set to double by 2050.
- Cardiovascular & Respiratory Disease: While survival rates for heart attacks and strokes have improved, they often leave survivors with long-term disabilities requiring daily support.
3. The Strain on the Social Care System: The infrastructure designed to support those in need is at breaking point. The King's Fund reports a staggering 1.6 million older people have unmet care needs. The system is underfunded, understaffed, and unable to cope with current demand, let alone the projected future tsunami of need.
What Does "Significant Assistance" Actually Mean?
In the world of health and insurance, the need for care is clinically defined by your ability to perform a set of tasks known as Activities of Daily Living (ADLs) and Instrumental Activities of Daily Living (IADLs). Understanding these is critical because they form the basis of many modern insurance policy claims.
| Activity Type | Examples | Description |
|---|---|---|
| Activities of Daily Living (ADLs) | Washing, Dressing, Toileting, Feeding, Mobility | These are the most fundamental tasks required for basic self-care. An inability to perform 2-3 of these usually indicates a high level of dependency. |
| Instrumental Activities of Daily Living (IADLs) | Managing finances, Shopping, Preparing meals, Housekeeping, Using transport | These tasks are crucial for living independently within the community. Difficulty here is often the first sign that more support is needed. |
When we say "1 in 2 Britons will require significant assistance," it means they will be unable to perform several of these core tasks without help from another person or specialist equipment. This is the threshold where independence is lost and the financial clock starts ticking.
The £4 Million+ Burden: A Devastating Financial Domino Effect
The figure of £4.8 million seems unimaginable, but it becomes frighteningly plausible when you deconstruct the lifetime financial impact of a serious, long-term health event on a typical British family. This isn't a single bill; it's the cumulative, multi-decade total of direct costs and lost opportunities.
Let's break it down for a hypothetical couple, both aged 45, with a mortgage and two children. One partner suffers a debilitating stroke, requiring long-term care.
Component 1: The Direct and Unforgiving Cost of Care
The NHS provides acute medical care, but it does not provide long-term social care for free. This is the single biggest misconception among the British public. Once your condition is stable, the cost of daily living support falls to you.
Here are the harsh realities, based on 2025 projections from healthcare analysts LaingBuisson:
| Type of Care | Average Weekly Cost (UK) | Average Annual Cost | Potential 10-Year Cost |
|---|---|---|---|
| At-Home Care (20hrs/wk) | £600 | £31,200 | £312,000 |
| Residential Care Home | £950 | £49,400 | £494,000 |
| Nursing Home (with medical) | £1,350 | £70,200 | £702,000 |
These are averages; costs in London and the South East can be 25-40% higher.
Assuming the partner needs nursing home care for the last 10 years of their life, the direct cost alone could easily exceed £700,000.
Lifetime Care Cost: £702,000
Component 2: The Crippling Impact of Lost Income
This is the financial sledgehammer that many families overlook.
- Patient's Lost Income: The partner who had the stroke was earning the UK average salary (approx. £35,000 in 2025). They are forced to stop working at 45. Over the 22 years to their state pension age of 67, that's a loss of £770,000 in gross income, plus lost pension contributions.
- Carer's Lost Income: The other partner, in a valiant effort to cope, reduces their working hours to part-time for 5 years to help manage care, before realising it's unsustainable. This could easily represent a loss of £15,000 per year, totalling £75,000. They may then have to leave work entirely if care needs escalate before a nursing home becomes the only option. In a worst-case scenario where they stop work for 15 years, the lost income could be over £525,000.
The combined lost income for the couple could realistically approach £1,300,000 or more over their working lives.
Lifetime Lost Income: £1,300,000
Component 3: The Hidden Costs and Eroding Legacy
This is where the financial damage deepens, destroying a family's accumulated wealth.
- Home Modifications: Initial costs for ramps, a stairlift, and a wet room could be £25,000.
- Depletion of Assets: To pay for the first few years of care before the family home is sold, the couple liquidates their ISAs, shares, and savings, totalling £150,000.
- Forced Sale of the Family Home: With savings gone, the local authority's means test requires the sale of their home, valued at £450,000, to fund the ongoing nursing home fees. This money is ring-fenced for care, not passed on to their children.
- Lost Investment Growth & Inheritance: The £600,000+ of assets (home + savings) that would have grown and been passed on as a legacy are completely consumed by care costs. The potential future value of this legacy, if invested over 20 years, could have easily surpassed £1,500,000.
Total Eroded Legacy & Hidden Costs: £2,125,000+
The Terrifying Grand Total
- Direct Care Costs: £702,000
- Lost Income: £1,300,000
- Eroded Legacy & Other Costs: £2,125,000
- Total Lifetime Financial Burden: £4,127,000
When factoring in inflation over two decades, the potential future cost of specialist equipment, and the impact on the carer's own pension pot, the £4 Million+ figure becomes a terrifyingly real projection of the total economic devastation one health crisis can unleash on an unprepared family.
The State Can't Save You: Debunking the Social Care Myth
"The government will look after me." "The NHS provides care from cradle to grave." These are dangerous and widespread myths. The reality of the UK's social care system is a brutal, means-tested process designed to protect the state's finances, not your family's assets.
Here's how it actually works in England (with similar systems in Scotland, Wales, and Northern Ireland):
If you need care, your local authority conducts a financial assessment, or 'means test', to see what you can afford to pay.
The Capital Thresholds (England 2025):
| Your Total Capital (Savings, Investments, Property) | What You Pay for Care |
|---|---|
| Over £23,250 | You are a 'self-funder'. You pay the full cost of your care until your assets drop below this level. |
| Between £14,250 and £23,250 | You pay a contribution from your income, plus a 'tariff income' from your capital. The council contributes the rest. |
| Under £14,250 | Your capital is disregarded, but you will still have to contribute most of your income (e.g., state pension) towards your care. |
Crucially, your family home is usually included in this capital assessment if you live alone or if you and your partner both move into a care home. There are very few exceptions. For the vast majority of homeowners, this means the value of their property will be used to pay for care.
What About the Social Care Cap?
You may have heard about a government "cap" on care costs. This is often misunderstood and is not the silver bullet many hope for.
- It's Not a Cap on Your Total Bill: The cap (currently proposed at £86,000) only applies to the amount you personally spend on your eligible care needs. It does not cover your daily living costs in a care home, such as accommodation, food, and bills. These can easily amount to £25,000-£30,000 per year and are uncapped.
- It's Based on the Council Rate: The amount that counts towards the cap is what the local authority would pay for your care, which is often far less than the actual price charged by the care home. You must pay the difference yourself (a 'top-up fee'), and this does not count towards the cap.
The state safety net is, for most middle-income families, an illusion. It is a system designed to kick in only after you have financially exhausted yourself.
Your LCIIP Shield: Forging Your Defence Against Uncertainty
If the state cannot protect you and the financial risks are catastrophic, the only viable solution is to create your own private safety net. This is your LCIIP Shield, a multi-layered defence built from three core types of financial protection insurance. Each component plays a unique and vital role in neutralising the threats of illness and injury.
Component 1: Critical Illness Cover (The Financial Fire Extinguisher)
- What it is: A policy that pays out a tax-free lump sum on the diagnosis of a specific, serious medical condition listed in the policy.
- What it covers: The core conditions are typically cancer, heart attack, and stroke, which make up the majority of claims. However, comprehensive policies from major insurers cover 50, 100, or even more conditions, including multiple sclerosis, motor neurone disease, major organ transplant, and Parkinson's disease.
- How it works: Imagine a diagnosis comes. The shock is immense. But weeks later, a sum of £150,000 appears in your bank account. The pressure valve is released. You can:
- Pay off the mortgage instantly. Removing the single biggest monthly outgoing.
- Cover immediate costs. Pay for private treatment, consultations, or home modifications without waiting lists.
- Replace income. The lump sum allows you or your partner to take significant time off work to focus on recovery without financial panic.
- Fund a different lifestyle. Adapt to a new reality without the stress of where the money will come from.
Critical Illness Cover is the immediate financial first aid, giving you breathing space and options when you need them most.
Component 2: Income Protection (The Financial Bedrock)
If Critical Illness Cover is the fire extinguisher, Income Protection (IP) is the fireproof foundation of your entire home. It is, arguably, the most important insurance you can own.
- What it is: A policy that pays a regular, monthly, tax-free income if you are unable to work due to any illness or injury.
- How it works: It's designed to replace a portion of your lost salary (typically 50-70%) and pays out after a pre-agreed waiting period (the 'deferred period'), which might be 1, 3, 6, or 12 months. A long-term policy will continue to pay you every single month until you either recover, retire, or the policy term ends.
- Why it's essential: It's the policy that stops the financial domino effect before it starts. It ensures that, no matter what, your core household bills get paid. The mortgage/rent, council tax, utilities, and food budget are covered. This prevents you from having to drain your savings, sell your investments, or remortgage your home just to survive month-to-month.
Crucial detail: 'Own Occupation' cover. This is the gold standard. It means your policy will pay out if you are unable to do your specific job. Less comprehensive 'suited occupation' or 'any occupation' definitions may not pay out if the insurer believes you could do a different, often lower-paid, job. This is a vital distinction an expert broker can help you navigate.
Component 3: Life Insurance (The Ultimate Backstop)
- What it is: A policy that pays out a lump sum to your chosen beneficiaries upon your death.
- How it fits in the Shield: While often thought of as separate, it's the final layer of protection. Many long-term illnesses ultimately prove fatal. Life insurance ensures that even in the worst-case scenario, your family is not left with debts and financial hardship. It secures their future, pays off any remaining mortgage, covers funeral costs, and can provide an inheritance that replaces the family legacy that would have otherwise been consumed by care costs.
- Putting it in trust: A good adviser will always recommend placing your life insurance policy in trust. This simple legal step ensures the payout goes directly to your beneficiaries, bypassing probate and, in most cases, inheritance tax.
The Hidden Crisis: When You Need Help But Aren't "Critically Ill"
Here lies a dangerous gap in many people's understanding. What happens if you develop a condition that leaves you needing significant daily care, but it's not on the list of conditions covered by a standard Critical Illness policy?
Think of severe, degenerative arthritis, a chronic back condition, or a neurological disorder that doesn't meet a specific definition. You may be unable to work and unable to wash or dress yourself, yet a basic CIC policy won't pay out.
This is where modern, high-quality insurance policies show their worth. They include clauses based on your functional ability, not just a diagnosis.
- Total and Permanent Disability (TPD): This clause pays out the full sum assured if you become so incapacitated that you are unlikely to ever work again. The best TPD cover is linked to your 'Own Occupation', providing a robust safety net.
- Activities of Daily Living (ADL) / Functional Ability Severance: This is a crucial evolution. An advanced policy will pay out the full lump sum if you are permanently unable to perform a certain number of the ADLs we discussed earlier (e.g., washing, dressing, feeding), regardless of the cause.
This closes the gap. It means your protection is linked to your actual need for care, aligning perfectly with the core risk this article addresses. It’s why simply buying the cheapest policy online is a false economy. The quality of these definitions is paramount, and it's something we at WeCovr meticulously analyse when recommending a plan.
Real-Life Scenarios: Protection vs. No Protection
Let's revisit our case studies to see the LCIIP Shield in action.
Case Study 1: The Protected Family - The Martins
Mark, 45, has a comprehensive LCIIP Shield arranged through a broker. He has a major stroke.
- Immediate Impact: His £200,000 Critical Illness Cover pays out within 8 weeks. They immediately use £130,000 to clear their mortgage. The remaining £70,000 is used for home adaptations and to give his wife, Jane, peace of mind to take six months off work unpaid. The biggest financial stress is gone.
- Long-Term Impact: After a 6-month deferred period, Mark's Income Protection policy kicks in. It pays him £2,500 a month (60% of his previous salary), tax-free. This income replaces his salary, covering all their bills and allowing them to maintain their standard of living.
- The Outcome: Mark can focus on his rehabilitation without financial worry. Jane can provide support without sacrificing her own career long-term. Their savings and investments remain untouched. Their children's future inheritance is secure. Their dignity and autonomy are preserved.
Case Study 2: The Unprotected Family - The Smiths
Sarah, 50, develops early-onset dementia. They have no specialist insurance, believing "it won't happen to us."
- Immediate Impact: Sarah has to stop working. Her husband, Tom, struggles to juggle his job and her increasing care needs. Their household income is halved overnight. They burn through their £50,000 in savings within two years to cover the shortfall and pay for some private at-home care.
- Long-Term Impact: Tom is forced to quit his job to become her full-time carer. Their income drops to zero, aside from state benefits. To pay for essential residential care, they have to sell the family home they've lived in for 20 years.
- The Outcome: The £400,000 from the house sale is drained over the next 7 years to pay for Sarah's nursing home fees. When she passes away, there is nothing left. Tom faces retirement in rented accommodation with a depleted pension. Their children's legacy is gone. This is the £4.8m+ burden made real.
Taking Action: How to Build Your LCIIP Shield with Expert Guidance
Confronting these realities is difficult, but acting is empowering. Building your LCIIP shield is a logical process that puts you back in control.
Step 1: Conduct a Financial Health Check. Before you do anything else, understand your numbers. What are your monthly outgoings? What is your mortgage balance? How much debt do you have? How much would your family need to live on if your income disappeared tomorrow?
Step 2: Review Your Workplace Benefits. Don't assume your employer's 'death in service' or sick pay scheme is enough. These are often basic, are not portable if you change jobs, and can be changed or withdrawn by your employer at any time. A personal policy is the only cover you truly own and control.
Step 3: Prioritise the Foundations. Start with the biggest risks. For most working people, the immediate threat is losing their income. Therefore, a robust 'own occupation' Income Protection policy is the non-negotiable foundation. From there, layer on Critical Illness Cover to deal with the lump-sum costs of a diagnosis and Life Insurance to protect your family's long-term future.
Step 4: Seek Independent, Expert Advice. The UK protection insurance market is complex. Policies that look similar on the surface can have vastly different definitions and claim philosophies. This is not a place for DIY.
An independent expert broker, like us at WeCovr, works for you, not the insurance company.
- We survey the entire market, comparing policies from all the UK's leading providers like Aviva, Legal & General, Zurich, Royal London, and Vitality.
- We decode the small print, focusing on the quality of definitions (like 'own occupation' and ADL clauses) that determine whether you get paid in your moment of need.
- We tailor a strategy to your specific budget and needs, ensuring you get the most comprehensive protection you can afford, without paying for features you don't need.
As part of our commitment to our clients' long-term wellbeing, WeCovr customers also gain complimentary access to our exclusive AI-powered calorie tracking app, CalorieHero, helping you build healthier habits for today and tomorrow. It's one of the ways we go above and beyond, caring for your health as well as your wealth.
Your Future Autonomy is Not a Matter of Chance, But of Choice
The data is clear. The trends are undeniable. The risk of needing significant help in our lives is no longer a remote possibility; it's a statistical probability for the majority.
To ignore this reality is to gamble with the most precious things you have: your independence, your family's financial security, and your right to face the future with dignity. The state will not shield you from the financial fallout. Your savings are unlikely to be enough.
The £4 Million+ lifetime burden of care is a terrifying prospect, but it is not an inevitable fate. Protection exists. The LCIIP Shield is a powerful and accessible set of tools that allows you to draw a line in the sand. It is a declaration that a health diagnosis will not be allowed to write the final chapter of your family's story.
Don't leave your future to chance. Take control. Make the choice today to protect your tomorrow.
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!