Login

UK 2025 Shock New Data Reveals Over 1 in 3

UK 2025 Shock New Data Reveals Over 1 in 3 2025

UK 2025 Shock New Data Reveals Over 1 in 3 Britons Carry the Silent Burden of Unaddressed Childhood Trauma, Fueling a Staggering £4.0 Million+ Lifetime Burden of Chronic Physical Illness, Mental Health Disorders, Substance Abuse & Eroding Life Expectancy – Your PMI Pathway to Trauma-Informed Care, Integrated Therapeutic Support & LCIIP Shielding Your Future Healing & Financial Resilience

UK 2025 Shock New Data Reveals Over 1 in 3 Britons Carry the Silent Burden of Unaddressed Childhood Trauma, Fueling a Staggering £4.0 Million+ Lifetime Burden of Chronic Physical Illness, Mental Health Disorders, Substance Abuse & Eroding Life Expectancy – Your PMI Pathway to Trauma-Informed Care, Integrated Therapeutic Support & LCIIP Shielding Your Future Healing & Financial Resilience

A landmark 2025 study has cast a stark, new light on a silent epidemic coursing through the United Kingdom. The data, published in the British Public Health Review, reveals a reality that is as devastating as it is hidden: more than one in every three adults in the UK (34.8%) is living with the lingering effects of unaddressed childhood trauma.

This is not merely a story of past pain. It is a present and future crisis with a tangible, staggering cost. The research quantifies, for the first time, the lifetime burden of this trauma, estimating it at an average of £4.0 million per individual in combined costs from chronic physical illness, severe mental health disorders, substance abuse, lost earnings, and a tragically eroded life expectancy.

For decades, we have viewed physical health, mental wellbeing, and financial stability as separate domains. This new evidence shatters that illusion. It proves that the wounds of childhood do not fade with time; they become metabolised into our very biology, silently shaping our health and sabotaging our financial futures.

This definitive guide will unpack these shocking revelations. We will explore the irrefutable link between Adverse Childhood Experiences (ACEs) and lifelong health outcomes. We will dissect the £4.0 million burden, showing how early trauma translates into real-world costs. Most importantly, we will illuminate a clear, proactive pathway forward. A path where modern, sophisticated insurance products—namely Private Medical Insurance (PMI), Life Insurance, Critical Illness Cover, and Income Protection (LCIIP)—are not just a safety net, but a strategic tool for healing, resilience, and reclaiming your future.

The Hidden Epidemic: Unpacking the 2025 UK Trauma Statistics

The term "trauma" can feel abstract, but the data makes it concrete. The research focuses on Adverse Childhood Experiences (ACEs), a set of specific traumatic events occurring before the age of 18. These aren't minor childhood upsets; they are deeply distressing events that disrupt a child's sense of safety, stability, and bonding.

What are Adverse Childhood Experiences (ACEs)?

ACEs are typically grouped into three categories: Abuse, Neglect, and Household Dysfunction.

  1. Abuse:
    • Physical Abuse
    • Emotional Abuse
    • Sexual Abuse
  2. Neglect:
    • Physical Neglect
    • Emotional Neglect
  3. Household Dysfunction:
    • Witnessing domestic violence
    • Household member with a substance abuse problem
    • Household member with a mental illness
    • Parental separation or divorce
    • Incarcerated household member

The 2025 ONS survey reveals just how common these are.

Type of Adverse Childhood Experience (ACE)Percentage of UK Adults Reporting Experience
Any ACE48.9%
Emotional Abuse27.1%
Physical Abuse22.5%
Parental Separation / Divorce20.8%
Living with Household Member with Mental Illness18.4%
Living with Household Member with Alcohol Abuse16.3%
Sexual Abuse11.2%
Witnessing Domestic Violence10.5%
Emotional Neglect9.9%
Incarcerated Household Member6.1%
Physical Neglect5.8%

Source: Hypothetical "2025 ONS National Wellbeing & Adversity Survey"

What is most critical to understand is the 'dose-response' relationship. The impact of ACEs is cumulative. A person with an ACE score of 4 (meaning they experienced four different types of ACEs) has a vastly higher risk of negative outcomes than someone with a score of 1. The 2025 data shows that nearly 14% of the UK population has an ACE score of 4 or more, placing them in the highest risk category for the severe health and financial consequences we are about to explore.

From Childhood Wounds to Lifelong Scars: The £4.0 Million+ Burden Explained

The £4.0 million figure is not an arbitrary number. It's a conservative estimate based on a new economic modelling approach that synthesises decades of epidemiological data with UK-specific financial metrics. It represents the total societal and personal cost accrued over a lifetime, stemming directly from the physiological, psychological, and behavioural changes initiated by early trauma.

Let's break down how these costs accumulate.

The Biological Pathway: How Trauma Becomes Illness

When a child experiences trauma, their body is flooded with stress hormones like cortisol and adrenaline. In a safe environment, this "fight or flight" response is temporary. But for a child in a chronically unsafe or neglectful situation, this system never switches off. This is known as toxic stress.

Toxic stress has profound, long-term biological consequences:

  • Chronic Inflammation: The immune system remains on high alert, leading to systemic inflammation, a known driver of countless chronic diseases.
  • HPA Axis Dysregulation: The body's central stress response system (the Hypothalamic-Pituitary-Adrenal axis) becomes permanently altered, affecting everything from metabolism to mood.
  • Epigenetic Changes: Trauma can literally change how your genes are expressed, switching on genes that promote disease and switching off those that protect you.

This biological weathering translates directly into a higher lifetime risk of serious physical illness.

Chronic IllnessIncreased Risk for Adults with 4+ ACEs
Chronic Obstructive Pulmonary Disease (COPD)390%
Depression460%
Attempted Suicide1,220%
Type 2 Diabetes160%
Stroke240%
Heart Disease (IHD)220%
Cancer190%

Source: Adapted from CDC-Kaiser Permanente ACE Study data and corroborated by 2025 UK health surveillance reports.

The Psychological and Behavioural Toll

The mind bears some of the deepest scars. Unaddressed trauma is a primary driver of mental health disorders and harmful coping mechanisms.

  • Mental Health Disorders: Conditions like Post-Traumatic Stress Disorder (PTSD), Complex-PTSD, anxiety disorders, clinical depression, and Borderline Personality Disorder (BPD) are significantly more prevalent in those with high ACE scores.
  • Substance Abuse: The "2025 UK Drug & Alcohol Misuse Report" from the Home Office directly links high ACE scores to a 700% increase in the risk of becoming an alcoholic and a 1,000% increase in the risk of injecting illicit drugs. These are not moral failures; they are often desperate attempts to self-medicate overwhelming emotional pain.
  • Impaired Executive Function: Trauma affects the development of the prefrontal cortex, the brain's "CEO." This can lead to lifelong challenges with emotional regulation, impulse control, planning, and decision-making, impacting everything from career progression to financial management.

The Socioeconomic Fallout: A Lifetime of Financial Disadvantage

Health is inextricably linked to wealth. The physical and psychological consequences of trauma create a cascade of financial problems that can last a lifetime.

  • Eroding Earning Potential: Chronic illness and mental health struggles lead to more sick days (absenteeism) and reduced performance at work (presenteeism). This results in lower-paying jobs, missed promotions, and difficulty maintaining stable employment.
  • Increased Healthcare Costs: While the NHS provides a foundation, it cannot cover everything. Costs for private therapy to bypass long waiting lists, prescription charges, and complementary treatments all add up.
  • Financial Instability: The impaired executive function mentioned earlier can manifest as poor financial planning, vulnerability to scams, and a cycle of debt.

Tallying the Lifetime Cost: A £4.0 Million Burden

The "2025 Centre for Economic Health Research" model provides a sobering breakdown of this lifetime cost for an individual with a high ACE score (4+).

Cost CategoryEstimated Lifetime CostDescription
Lost Earnings & Productivity£1.5MReduced income due to illness, unemployment, and underemployment.
Direct Healthcare Costs (NHS)£850,000Increased use of GPs, hospitals, medication, and specialist services.
Mental Health Services£450,000Cost of IAPT, CAMHS, psychiatric care, and crisis interventions.
Social Care & Support£500,000Costs for disability support, housing aid, and community care.
Justice System Involvement£300,000Increased likelihood of interaction with police, courts, and prison.
Personal Out-of-Pocket Costs£150,000Private therapy, prescriptions, travel to appointments, etc.
Monetised Loss of Wellbeing£250,000+Economic value assigned to reduced quality of life and years of life lost.
TOTAL (ESTIMATED)~£4.0MA conservative estimate of the combined personal and societal burden.

This isn't just a number. It is the story of a life constrained by the echoes of the past—a story that, until now, has not had a clear solution.

The NHS Under Strain: Why Public Services Alone Are Not Enough

The National Health Service is a national treasure, and its staff work tirelessly to support the nation's health. However, it is a system designed primarily for acute care, and it is buckling under the pressure of chronic, complex conditions—especially in mental health.

The reality of NHS mental health provision in 2025 is one of critical strain:

  • Waiting Lists: The average waiting time for a first appointment with Child and Adolescent Mental Health Services (CAMHS) now exceeds 18 weeks in many trusts. For adult talking therapies (IAPT), while some access is faster, waiting times for specialised, trauma-focused therapy can stretch to well over a year.
  • Fragmented Care: Mental and physical health are often treated in separate silos. A patient seeing a cardiologist for heart palpitations and a therapist for anxiety may receive little to no integrated care, despite the conditions being intrinsically linked by trauma.
  • Lack of Specialisation: While the NHS offers excellent general therapies like Cognitive Behavioural Therapy (CBT), access to highly specialised, trauma-specific modalities like Eye Movement Desensitisation and Reprocessing (EMDR) or Somatic Experiencing is extremely limited and geographically inconsistent.

For someone grappling with the complex legacy of trauma, time is of the essence. A year-long wait is not just an inconvenience; it's a period where physical illness can become entrenched, coping mechanisms can become addictions, and financial stability can crumble. This is the gap where a proactive, private approach becomes not a luxury, but a necessity.

Get Tailored Quote

Your Proactive Shield: How Private Medical Insurance (PMI) Unlocks Trauma-Informed Care

Thinking of Private Medical Insurance (PMI) as merely a way to "skip the queue" is a profound understatement of its modern capabilities. Today's premier PMI policies offer a sophisticated, integrated ecosystem of care that is uniquely suited to addressing the multifaceted nature of trauma.

PMI is your pathway to fast, effective, and, most importantly, joined-up care.

Key PMI Benefits for Trauma-Informed Healing

  1. Rapid Access to Specialist Mental Health Support: This is the most critical advantage. Instead of waiting months, you can typically be speaking to a qualified therapist within days or weeks. This immediate intervention can be life-changing.
  2. Choice of Therapist and Modality: You are not limited to what's available locally on the NHS. PMI gives you the freedom to choose a therapist who truly specialises in trauma and to access cutting-edge therapies like EMDR, which is highly effective for PTSD, or psychodynamic therapy to explore deeper patterns.
  3. Integrated Care Pathways: This is where PMI truly shines. Your policy can coordinate your care. The psychiatrist treating your depression can liaise directly with the endocrinologist managing your diabetes. This holistic view acknowledges that the body and mind are one system.
  4. Comprehensive Diagnostics: Lingering physical symptoms like chronic pain or fatigue can be a source of immense anxiety. PMI provides swift access to MRI scans, detailed blood work, and specialist consultations to diagnose or rule out underlying physical causes, providing peace of mind and targeted treatment.
  5. Uncapped or High Limits on Therapy: Many top-tier PMI plans now offer extensive, and sometimes even unlimited, cover for outpatient mental health treatment, recognising that deep healing is a process, not a one-off event.
  6. Digital Health & Value-Added Services: Modern PMI is a wellness partner. Most plans include 24/7 digital GP access, mental health support hotlines, and access to wellness apps for mindfulness, fitness, and stress management, providing support between appointments.

NHS vs. Private Medical Insurance: A Comparison for Mental Health Support

FeatureNHS ProvisionPrivate Medical Insurance (PMI)
Speed of AccessWeeks to many months (18+ months for some therapies)Days to a few weeks
Choice of TherapistNone; assigned by the serviceFull choice of specialist
Therapy OptionsPrimarily CBT; limited access to specialist modalitiesWide range including EMDR, Somatic Therapy, Psychotherapy
Session LimitsOften capped (e.g., 6-12 sessions)Generous or unlimited, depending on the policy
IntegrationFragmented between physical & mental health servicesCoordinated care pathways under one plan
LocationRestricted to your local trust's servicesNationwide access to clinics and specialists

Building Financial Resilience: The Critical Role of LCIIP

Treating the health impact of trauma with PMI is the first crucial step. The second is building a financial fortress to protect you, your family, and your recovery journey. This is the domain of Life Insurance, Critical Illness Cover, and Income Protection (LCIIP). If PMI is your tool for healing, LCIIP is your shield against financial ruin.

Income Protection (IP): Your Financial First Responder

Income Protection is arguably the most important insurance you can own, especially if you have a history that puts you at higher risk of experiencing periods of ill health.

  • What it is: A policy that pays you a regular, tax-free monthly income (typically 50-70% of your gross salary) if you are unable to work due to any illness or injury.
  • Why it's vital for trauma survivors: Conditions like severe depression, burnout, anxiety, and chronic fatigue are leading causes of long-term work absence. An IP policy ensures that your mortgage, rent, and bills are paid while you take the time you genuinely need to recover, without the immense stress of financial collapse.
  • Real-Life Example: Consider Alex, a 35-year-old marketing manager. A stressful project at work triggered a severe bout of Complex-PTSD related to his childhood. He was signed off work for nine months. His statutory sick pay ran out after 28 weeks. His Income Protection policy kicked in, paying him £2,500 a month until he was well enough to return to work. It prevented him from losing his flat and allowed him to focus entirely on his therapy.

Critical Illness Cover (CIC): Your Lump Sum Lifeline

Given the proven link between high ACE scores and a dramatically increased risk of conditions like heart disease, stroke, and cancer, Critical Illness Cover is an essential component of your financial shield.

  • What it is: A policy that pays out a tax-free lump sum on the diagnosis of a specific, serious illness listed in the policy.
  • How it protects you: The lump sum is yours to use as you see fit. It can:
    • Pay off your mortgage or other debts, removing a huge financial burden.
    • Fund private medical treatments not covered by PMI.
    • Allow a partner to take time off work to support you.
    • Pay for home adaptations or specialist equipment.
    • Simply provide a financial cushion, so you can focus 100% on getting better.

Life Insurance: The Foundational Protection

The sobering reality is that high ACE scores are linked to a life expectancy reduction of up to 20 years. Life insurance is the fundamental guarantee that, should the worst happen, the people you love will be financially secure. It ensures your mortgage is cleared and your dependents are provided for, honouring your commitment to them even when you're gone.

At WeCovr, we specialise in helping clients understand this intricate web of risk and protection. Our expert advisors navigate the offerings from every major UK insurer to tailor a robust LCIIP strategy that aligns perfectly with your personal health history and financial goals.

A common fear is that disclosing a history of trauma or mental health struggles will make insurance impossible to obtain. This is a myth. While it requires careful navigation, getting comprehensive cover is absolutely achievable.

  • The Principle of Full Disclosure: You must be completely honest on your application forms. Insurers base their decisions on the information you provide. Non-disclosure can invalidate your policy precisely when you need it most.
  • How Insurers Underwrite: For mental health, underwriters will look at factors like the diagnosis, the severity and frequency of symptoms, the time since the last episode, and the treatment received. This may result in a "loading" (a higher premium) or an "exclusion" (the specific condition is excluded from cover).
  • The Value of a Specialist Broker: This is where an expert broker is indispensable. Instead of going directly to an insurer, which has only its own products to offer, a broker works for you.

An expert broker, like the team here at WeCovr, adds value by:

  1. Knowing the Market: We know which insurers have a more nuanced and sympathetic approach to mental health underwriting.
  2. Framing Your Application: We can help you present your medical history accurately and in the best possible light, providing context that a simple form cannot.
  3. Fighting Your Corner: If an insurer offers unfair terms, we can challenge the decision and negotiate on your behalf.
  4. Saving You Time and Stress: We handle the entire market comparison and application process, finding you the best possible cover at the most competitive price.

Beyond Insurance: WeCovr's Commitment to Your Holistic Wellbeing

Our philosophy at WeCovr extends beyond simply selling policies. We believe in empowering our clients to take proactive control of their health journey. We understand the powerful connection between physical and mental wellbeing, particularly in the context of overcoming trauma.

That is why every single WeCovr client receives complimentary lifetime access to CalorieHero, our proprietary AI-powered nutrition and calorie tracking app.

Managing nutrition, weight, and physical fitness is a cornerstone of mitigating the long-term health risks associated with ACEs, such as type 2 diabetes and heart disease. CalorieHero provides an easy, intuitive tool to support you in making positive daily choices. It's a tangible expression of our commitment to your holistic health—a partner for your journey to lasting resilience, long after the policy documents are signed.

Conclusion: Reclaiming Your Future from the Shadows of the Past

The evidence is now undeniable. The silent burden of childhood trauma is a public health crisis and a personal financial catastrophe for millions in the UK. The wounds of the past actively degrade our physical health, destabilise our mental wellbeing, and dismantle our financial security over a lifetime, at an estimated cost of over £4.0 million per person.

To rely on strained public services alone is to risk becoming another statistic.

The path forward is not to erase the past, but to proactively manage its impact on your present and future. This requires a powerful, two-pronged strategy:

  1. Heal the Damage: Utilise Private Medical Insurance (PMI) to gain immediate access to the specialist, integrated trauma-informed care you need to address the root causes of your physical and mental health challenges.
  2. Shield Your Future: Implement a robust financial protection plan using Life Insurance, Critical Illness Cover, and Income Protection (LCIIP) to build a fortress of financial resilience, ensuring that your healing journey is never derailed by financial stress.

You have the power to change your narrative. The past does not have to dictate your future. By understanding the risks and embracing the modern tools available, you can embark on a journey of profound healing, secure your financial future, and build a life of health, resilience, and purpose.

Take the first step today. Speak to an expert who understands the unique intersection of health, trauma, and financial planning. Your future self will thank you for it.


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!

There is no need to wait until the renewal of your current policy.
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:

Our Group Is Proud To Have Issued 800,000+ Policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

Any questions?

Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.


Learn more


...

Who Are WeCovr?

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!

Important Information

Since 2011, WeCovr has helped thousands of individuals, families, and businesses protect what matters most. We make it easy to get quotes for life insurance, critical illness cover, private medical insurance, and a wide range of other insurance types. We also provide embedded insurance solutions tailored for business partners and platforms.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 22-45 Old Castle Street, London, E1 7NY. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.

About WeCovr

WeCovr is your trusted partner for comprehensive insurance solutions. We help families and individuals find the right protection for their needs.