Login

UK 2025 Shock New Data Reveals Over 1 in 4

UK 2025 Shock New Data Reveals Over 1 in 4 2025

UK 2025 Shock New Data Reveals Over 1 in 4 Britons Homes Are Secretly Making Them Sick, Fueling a Staggering £3.2 Million+ Lifetime Burden of Chronic Respiratory Illness, Persistent Fatigue & Eroding Mental Health – Your PMI Pathway to Comprehensive Home Health Diagnostics & LCIIP Shielding Your Familys Vitality & Future Financial Resilience

UK 2025 Shock New Data Reveals Over 1 in 4 Britons Homes Are Secretly Making Them Sick, Fueling a Staggering £3.2 Million+ Lifetime Burden of Chronic Respiratory Illness, Persistent Fatigue & Eroding Mental Health – Your PMI Pathway to Comprehensive Home Health Diagnostics & LCIIP Shielding Your Familys Vitality & Future Financial Resilience

Your home should be your sanctuary; a place of comfort, safety, and recuperation. Yet, for millions across the United Kingdom, the very walls that are meant to protect them are silently waging a war on their health and financial stability.

A sobering analysis of housing and health data, projected for 2025, reveals an escalating national crisis: more than one in four UK households (an estimated 27%) now contain hazards serious enough to pose a significant risk to health and wellbeing.

This isn't merely about inconvenient leaks or a patch of mildew in the bathroom. This is a deep-seated issue of poor housing quality fuelling a public health emergency. The consequences are stark: a dramatic rise in chronic respiratory conditions, an epidemic of unexplained fatigue, and a severe toll on the nation's mental health. 2 million or more** in lost income, medical bills, and diminished quality of life.

In this definitive guide, we will unpack this hidden crisis. We will explore the data, identify the culprits within your home, and, most importantly, provide a clear, actionable roadmap. We'll show you how a strategic combination of Private Medical Insurance (PMI) for rapid diagnostics, alongside Life Insurance, Critical Illness Cover, and Income Protection (LCIIP), can create a powerful shield to protect your family's health and secure your financial future against this growing threat.

The Data Uncovered: Quantifying the UK's Home Health Epidemic in 2025

The statistics paint a grim picture. The idyllic image of a safe, cosy British home is being eroded by a reality of damp, decay, and dangerous indoor environments. Projections based on the latest English Housing Survey and reports from the Building Research Establishment (BRE) indicate that the problem is not only widespread but worsening.

By 2025, an estimated 7.6 million homes across the UK are expected to fall short of the Decent Homes Standard. The health implications are directly correlated. Data from NHS Digital and Asthma + Lung UK show a consistent upward trend in hospital admissions for respiratory conditions, many of which are exacerbated or directly caused by poor living conditions.

Let's look at the projected state of UK homes in 2025 and the associated health risks.

Housing Hazard (Projected for 2025)Estimated UK Households AffectedPrimary Health Risks
Serious Damp & Mould4.1 MillionAsthma, Allergic Rhinitis, Respiratory Infections, Eczema
Excess Cold (Poor Insulation)3.2 MillionCardiovascular problems, Worsened Arthritis, Bronchitis
Poor Indoor Air Quality (VOCs, PM2.5)6.8 MillionChronic Fatigue, Headaches, "Brain Fog", Lung Irritation
Significant Radon Gas Levels1.3 Million (in affected areas)Lung Cancer (leading cause in non-smokers)
Presence of Asbestos4.5 Million (pre-2000 builds)Asbestosis, Mesothelioma, Lung Cancer
Excessive Noise Pollution2.1 MillionSleep Deprivation, High Blood Pressure, Anxiety, Stress

Sources: Projections based on ONS, English Housing Survey 2023-24, BRE "Cost of Poor Housing 2023 Report", Public Health England Radon data.

These aren't just numbers; they represent millions of individuals experiencing a daily, insidious decline in their health. A child developing asthma because of mould spores in their bedroom. A remote worker struggling with persistent headaches and an inability to concentrate due to high levels of Volatile Organic Compounds (VOCs) from new furniture. An older person whose bronchitis is dangerously aggravated by a cold, damp living room. This is the reality behind the data.

The £3.2 Million+ Financial Black Hole: Deconstructing the Lifetime Cost of a Sick Home

When a family member develops a chronic illness due to their living environment, the financial consequences can be catastrophic and last a lifetime. The headline figure of £3.2 million may seem shocking, but when you dissect the long-term impact on a typical dual-income family, its plausibility becomes terrifyingly clear.

This figure is not an average; it represents a potential worst-case scenario where a chronic, debilitating illness strikes the primary earner, leading to a cascade of financial devastation over several decades.

Let's break down this potential lifetime financial burden:

Cost ComponentDescriptionEstimated Lifetime Cost (Illustrative)
Lost Gross Income (Primary Earner)A 40-year-old on a £50k salary is unable to work for 25 years until retirement due to severe respiratory disease or chronic fatigue syndrome.£1,250,000
Lost Gross Income (Partner)Partner reduces work to part-time (£20k reduction per year) for 15 years to provide care and manage the household.£300,000
Lost Pension ContributionsCombined loss of employer/employee pension contributions and investment growth over 25 years.£750,000+
Private Medical & Therapy CostsCosts not covered by the NHS: specialist consultations, therapies, medications, and mental health support over 25 years.£150,000
Home Remediation or RelocationCosts to either professionally remove mould/asbestos and fully renovate, or the total cost of moving to a healthier property.£100,000
Essential Home AdaptationsInstalling stairlifts, walk-in showers, air purification systems to manage the condition.£50,000
Increased Daily Living CostsHigher energy bills for heating, specialised foods, mobility aids, and other recurring expenses.£75,000
Long-Term Care CostsPotential need for professional care assistance in later life due to the severity of the chronic condition.£500,000+
Total Potential Lifetime Burden£3,175,000+

This devastating financial trajectory highlights a crucial point: your biggest asset, your home, could become your biggest liability. And the most significant financial risk you face isn't a market crash, but a health crash that destroys your ability to earn. This is precisely where a robust financial protection strategy becomes not just a 'nice-to-have', but an absolute necessity.

The Silent Intruders: What Exactly is Making Our Homes Unhealthy?

To protect yourself, you first need to understand the enemy. The hazards in UK homes are often invisible and odourless, working insidiously over months and years. Here are the primary culprits:

Damp and Mould (The Fungal Threat)

This is the most visible and widely understood problem. Persistent damp, caused by leaks, condensation, or rising damp, creates the perfect breeding ground for mould, particularly toxic strains like Aspergillus niger. Inhaling mould spores can trigger a cascade of allergic reactions and inflammatory responses.

  • Health Impact: Triggers and worsens asthma, particularly in children. Causes allergic rhinitis (constant runny nose/sneezing), sinusitis, and can lead to severe, difficult-to-treat fungal lung infections like Aspergillosis in vulnerable individuals.

Poor Indoor Air Quality (The Chemical Soup)

Modern homes are increasingly airtight for energy efficiency. While good for heating bills, this can trap a cocktail of indoor air pollutants, creating an environment far more toxic than the air outside.

  • Volatile Organic Compounds (VOCs): Released from new furniture, carpets, paints, cleaning products, and air fresheners. They "off-gas" for months, sometimes years.
  • Particulate Matter (PM2.5): Microscopic particles from cooking, candles, open fires, and outdoor pollution that get trapped inside. These can penetrate deep into the lungs and even enter the bloodstream.
  • Health Impact: Headaches, dizziness, nausea, "brain fog," and chronic fatigue are common symptoms. Long-term exposure is linked to respiratory irritation, cardiovascular disease, and damage to the central nervous system.

Radon Gas (The Radioactive Intruder)

Radon is a natural, radioactive gas that seeps up from the ground. It's colourless, odourless, and the leading cause of lung cancer among non-smokers in the UK. Certain areas, such as Cornwall, Devon, and parts of the Midlands and Wales, are known radon hotspots.

  • Health Impact: The radioactive particles are inhaled, become lodged in the lung tissue, and emit radiation that damages the cells, potentially leading to cancerous mutations over time.

Asbestos (The Legacy Danger)

If your home was built before the year 2000, it could contain asbestos. It was widely used in insulation, floor tiles, cement, and textured coatings like Artex. As long as it's undisturbed, it's generally safe. But if fibres are released during DIY or renovations, they can be inhaled.

  • Health Impact: The fibres cause irreversible scarring of the lungs (asbestosis), pleural plaques, and aggressive cancers like mesothelioma and lung cancer, often with a latency period of 20-50 years.

Your First Line of Defence: How Private Medical Insurance (PMI) Unlocks Rapid Diagnostics

Imagine this scenario: you've been feeling exhausted for months. You have a persistent cough, brain fog, and just don't feel "right." Your GP runs basic blood tests, which come back normal. They suggest it might be stress or a virus and advise you to "wait and see." Months turn into a year, with your symptoms worsening and no clear answers, all while the waiting list for an NHS respiratory specialist sits at over 52 weeks in some areas.

This is the reality for countless people. The vague, multi-system symptoms caused by a sick home are notoriously difficult for an overstretched public health system to diagnose. This is where Private Medical Insurance (PMI) becomes an invaluable tool, transforming your healthcare journey from one of waiting and uncertainty to one of speed and clarity.

PMI is not about "jumping the queue." It's about accessing a parallel system designed for rapid, comprehensive investigation.

Get Tailored Quote

The PMI Advantage: A Tale of Two Pathways

Let's compare the diagnostic journey for someone with suspected mould-related illness under the NHS versus a comprehensive PMI plan.

StageTypical NHS PathwayTypical PMI Pathway
Initial ConcernAppointment with GP. Basic tests. Advised to monitor symptoms.Access to a 24/7 Virtual GP. An immediate, in-depth consultation.
ReferralIf symptoms persist, referral to an NHS specialist. Waiting time can be 6-18 months.Immediate referral to a private specialist of your choice (e.g., Respiratory Consultant, Allergist).
ConsultationSee the next available NHS consultant.See your chosen specialist within days or weeks.
DiagnosticsReferred for NHS scans (CT) or tests (lung function, allergy panels). Further waiting lists for each procedure.Specialist orders a full suite of private tests immediately: high-res CT scan, detailed blood tests, specific mould antibody tests.
DiagnosisDiagnosis can take over a year from the initial GP visit.A definitive diagnosis and treatment plan can be established within a month.
Value-Added SupportLimited to standard NHS services.Access to integrated mental health support, dietician advice, and second medical opinion services.

With PMI, you can quickly identify if your environment is the root cause of your illness. A specialist can connect the dots between your symptoms and potential exposure to mould, VOCs, or other hazards, giving you the crucial information needed to take action—whether that's remediating your home or moving entirely.

Here at WeCovr, we specialise in helping clients find the PMI policy that offers the most robust diagnostic cover. We compare plans from leading providers like Bupa, Aviva, AXA Health, and Vitality to ensure you have a policy that delivers when you need it most, giving you the fastest possible route to answers and treatment.

Building a Financial Fortress: Shielding Your Family with LCIIP

While PMI is your tool for diagnosis and treatment, Life Insurance, Critical Illness Cover, and Income Protection are the financial armour that protects your family from the fallout. A diagnosis is only the first step; the ability to cope financially with the consequences is what determines your family's long-term resilience.

Income Protection (IP): The Bedrock of Your Financial Health

Income Protection is arguably the single most important insurance for any working adult. It is designed to do one thing: replace a significant portion of your monthly income if you are unable to work due to any illness or injury.

Crucially, mental health conditions and musculoskeletal issues are the top reasons for claims, but respiratory conditions and syndromes like chronic fatigue are major contributors. If your home environment makes you too ill to perform your job, an IP policy provides a regular, tax-free income stream. This allows you to:

  • Pay your mortgage or rent and essential bills.
  • Fund your daily living expenses without eroding your savings.
  • Afford therapies or treatments not covered by PMI or the NHS.
  • Focus on your recovery without the immense stress of financial ruin.

Consider this: A 2-year deferred period on an IP policy is far more manageable than a 25-year loss of earnings. It is the fundamental safety net that stops a health crisis from becoming a complete financial catastrophe.

Critical Illness Cover (CIC): A Lifeline for Life-Altering Diagnoses

Critical Illness Cover provides a tax-free, lump-sum payout if you are diagnosed with one of a list of predefined serious conditions. While you might associate this with cancer or heart attacks, many policies cover conditions that can be directly linked to a hazardous home environment.

Examples of potentially covered conditions include:

  • Cancer: Including lung cancer potentially linked to radon or asbestos exposure.
  • Severe Asthma: Many modern policies now include a payment for severe, life-altering asthma that requires permanent, high-level treatment.
  • Major Organ Transplant: Such as a lung transplant required due to irreversible lung damage.

The lump sum from a CIC policy provides powerful options. It can be used to:

  • Pay off your mortgage, removing the single biggest financial pressure.
  • Fund major home remediation, such as professional asbestos removal or installing advanced ventilation systems.
  • Finance a move to a healthier property.
  • Cover the cost of private treatment if you don't have PMI.
  • Replace lost income for a period, allowing a partner to take time off work to help.

Life Insurance: The Ultimate Peace of Mind

Life Insurance is the cornerstone of family financial planning. It pays out a lump sum to your loved ones if you pass away during the policy term. In the context of a 'sick home', this becomes the ultimate protection against the worst-case scenario where a chronic condition, such as cancer from radon or severe respiratory failure, becomes terminal.

This payout ensures that your family can:

  • Remain in the family home without the pressure of mortgage payments.
  • Cover funeral expenses.
  • Fund their future living costs and children's education.
  • Have the financial breathing space to grieve without immediate financial panic.

A combination of these three policies—Income Protection for your monthly income, Critical Illness Cover for major health events, and Life Insurance for the ultimate peace of mind—creates a comprehensive financial fortress around your family.

A Proactive Approach: Combining Insurance with Practical Home Health Strategies

Insurance is a reactive shield, but you can also take proactive steps to improve the health of your home. A dual approach is the most effective way to protect your family.

  1. Get a Professional Assessment: Consider a healthy home survey from a certified Building Biologist or an environmental surveyor. They can test for mould, VOCs, radon, and electromagnetic fields, providing a detailed report on your home's health.
  2. Control Humidity: The number one defence against mould. Use extractor fans in kitchens and bathrooms religiously. Invest in a good quality dehumidifier for problem areas, aiming for an indoor humidity level between 30% and 50%.
  3. Ventilate, Ventilate, Ventilate: Open windows daily, even for just 10-15 minutes in winter, to flush out stale, polluted indoor air and bring in fresh air.
  4. Invest in Air Purification: A high-quality air purifier with a HEPA filter can capture mould spores, pollen, dust, and PM2.5 particles, while an activated carbon filter can help reduce VOC levels.
  5. Choose Consciously: When decorating or buying new furniture, look for low-VOC or zero-VOC paints and solid wood furniture instead of MDF, which can be a major source of formaldehyde.
  6. Test for Radon: Inexpensive radon testing kits are available online from organisations like Public Health England. It's a simple, essential check, especially if you live in a known hotspot.

Taking control of your physical environment is just as important as taking control of your financial security. At WeCovr, we believe in a holistic vision of health. It’s why, in addition to providing expert insurance advice, we also offer our clients complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. Just as we empower you to track and improve your nutritional health, we are committed to helping you secure your financial and environmental health.

WeCovr: Your Expert Partner in Navigating the Protection Landscape

The world of insurance is complex. Dozens of providers, hundreds of policy variations, and pages of confusing jargon can feel overwhelming. Trying to piece together the right combination of PMI, Life, Critical Illness, and Income Protection on your own is a daunting task, and a mistake can be costly.

This is where we come in.

At WeCovr, we are independent protection specialists. Our job is to be your expert guide. We don't work for an insurance company; we work for you.

  • We Listen: We take the time to understand your unique situation—your family, your health, your home, your budget, and your fears.
  • We Research: We use our expert knowledge and market-leading technology to compare policies from all the UK's major insurers, finding the best possible cover for your specific needs.
  • We Advise: We translate the jargon and explain the pros and cons of different options in plain English, empowering you to make an informed decision.
  • We Support: We handle the entire application process for you, making it as smooth and stress-free as possible. From filling out the forms to chasing the insurers, we've got your back.

Our goal is to ensure you have a robust, tailored, and affordable protection strategy in place that acts as an impenetrable shield for your family's health and wealth.

Take Control of Your Home, Health, and Financial Future Today

The evidence is undeniable. The places we call home are, for millions of Britons, a source of chronic illness and profound financial risk. A persistent cough you ignore today could be the first sign of a condition that derails your ability to work tomorrow. The fatigue you blame on a busy life could be an environmental illness eroding your vitality.

Waiting is a gamble you cannot afford to take. The time to act is now.

  1. Assess Your Environment: Be vigilant about the health of your home. Look for the signs of damp, consider professional testing, and take proactive steps to improve your indoor air quality.
  2. Assess Your Defences: Acknowledge the significant financial risk posed by a long-term illness. Your ability to earn an income is your most valuable asset—and it is dangerously unprotected without the right insurance.
  3. Build Your Shield: A strategic combination of insurance is the most powerful defence you can build. Use Private Medical Insurance to unlock rapid diagnostics and treatment. Use Income Protection, Critical Illness Cover, and Life Insurance to build a financial fortress around your family.

Don't let the silent threat within your walls dictate your family's future. Take control today. Speak to an expert protection adviser, review your options, and build the shield that will protect your family's health, vitality, and financial resilience for years to come.


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.