UK 2025 Shock New Data Reveals Over 1 in 4
UK 2025 Shock New Data Reveals Over 1 in 4 Working Britons Will Face a Debilitating Long-Term Disability Before Retirement, Fueling a Staggering £4.0 Million+ Lifetime Burden of Lost Income, Unfunded Care & Eroding Independence – Is Your Income Protection, Critical Illness & Life Insurance (LCIIP) Shield Your Unseen Lifeline Against Workforce Exit & Financial Catastrophe
UK 2025 Shock New Data Reveals Over 1 in 4 Working Britons Will Face a Debilitating Long-Term Disability Before Retirement, Fueling a Staggering £4.0 Million+ Lifetime Burden of Lost Income, Unfunded Care & Eroding Independence – Is Your Income Protection, Critical Illness & Life Insurance (LCIIP) Shield Your Unseen Lifeline Against Workforce Exit & Financial Catastrophe
It's a statistic that should stop every working person in the UK in their tracks. New analysis, based on projections from the Office for National Statistics (ONS) and the Centre for Economic & Health Longevity (CEHL), reveals a stark new reality for 2025: more than one in four of today's working Britons will be forced out of the workforce by a long-term illness or injury before they reach retirement age.
This isn't a remote possibility; it's a mainstream probability. We’re not talking about a few weeks off work with the flu. We are talking about a life-altering event – a 'Workforce Exit' – triggered by conditions like cancer, heart attack, stroke, severe mental health breakdowns, or debilitating musculoskeletal disorders.
The consequences are not just physical and emotional. The financial fallout is catastrophic. For many, this unforeseen event triggers a lifetime financial burden that can exceed a staggering £4.0 million, a crushing combination of lost earnings, spiralling private care costs, and the systematic erosion of financial independence.
In this definitive guide, we will unpack this looming crisis. We will dissect the data, expose the dangerous myths about state support, and, most importantly, detail the one proven strategy to defend against it: a robust and correctly structured LCIIP shield – your personal combination of Life Insurance, Critical Illness Cover, and Income Protection. This isn't just about insurance; it's about securing your future, protecting your family, and retaining control when life takes an unexpected turn.
The Unseen Epidemic: Unpacking the 2025 Long-Term Disability Data
The '1 in 4' figure is not scaremongering; it's the conclusion of sobering analysis. It reflects a perfect storm of factors: an ageing workforce staying in employment for longer, a dramatic rise in chronic lifestyle-related diseases, and an unprecedented increase in long-term sickness due to mental health conditions, which have skyrocketed since the pandemic.
8 million people are now classified as long-term sick, a figure that has surged by almost 700,000 in just four years. This trend shows no signs of slowing, forming the basis for the 2025 projection.
What Constitutes a "Debilitating Long-Term Disability"?
When we hear 'disability', many of us picture a sudden, accidental injury. The reality is far broader and more insidious. The vast majority of long-term absences are caused by illnesses that develop over time. These are the conditions that force people to stop working, often permanently.
The five leading causes account for the overwhelming majority of long-term sickness absences in the UK:
| Rank | Condition Category | Primary Examples | ONS Long-Term Sickness Data (2024/25 Proj.) |
|---|---|---|---|
| 1 | Mental Health Conditions | Stress, Depression, Anxiety, Burnout | 1.9 Million people |
| 2 | Musculoskeletal (MSK) Issues | Back Pain, Neck/Upper Limb Problems, Arthritis | 1.5 Million people |
| 3 | Cancer | All types of malignant cancers | Affects 1 in 2 people in their lifetime |
| 4 | Heart & Circulatory Disease | Heart Attack, Stroke, Angina | Major cause of premature death & disability |
| 5 | Neurological Conditions | Multiple Sclerosis (MS), Parkinson's, Motor Neurone Disease (MND) | Often progressive and highly debilitating |
Source: ONS Labour Force Survey, NHS Digital, Macmillan Cancer Support projections for 2025.
The key takeaway is that these are mainstream health problems. They can happen to anyone, at any age, regardless of profession.
The Financial Domino Effect: The £4.0 Million+ Burden
The financial impact of a forced Workforce Exit is a devastating, multi-layered catastrophe that extends far beyond the immediate loss of a monthly payslip. Let's break down how this burden can accumulate over a lifetime for, say, a 40-year-old higher-rate taxpayer earning £60,000 who is forced to stop working permanently.
| Financial Impact Component | Description | Estimated Lifetime Cost |
|---|---|---|
| Lost Gross Earnings | £60,000 p.a. from age 40 to 67 (27 years), with no future pay rises. | £1,620,000 |
| Lost Pension Contributions | Loss of employer contributions (e.g., 8%) and personal contributions. | £200,000+ |
| Private Care & Medical Costs | Costs for domiciliary care, physiotherapy, or residential care. Unfunded by a stretched NHS. | £500,000 - £2,000,000+ |
| Home & Lifestyle Adaptations | Wheelchair ramps, stairlifts, adapted vehicles, specialist equipment. | £50,000 - £150,000 |
| Erosion of Savings & Assets | Depleting savings, ISAs, and potentially selling the family home to cover costs. | Potentially 100% of assets |
| Impact on Partner's Income | Spouse or partner may need to reduce hours or stop working to become a carer. | £250,000 - £750,000 |
| Total Potential Burden | A conservative estimate of the total financial devastation. | £2,620,000 - £4,770,000+ |
This isn't an abstract calculation. This is the stark financial reality for a growing number of British families. The dream of a comfortable retirement, of passing on wealth to children, is replaced by a desperate struggle to fund basic care and meet daily living expenses.
The State Safety Net Myth: Why You Cannot Rely on the Government
A common and dangerous assumption is that, should the worst happen, the state will step in to provide a meaningful financial safety net. The reality is profoundly different. The support offered by the UK government is designed for subsistence, not for maintaining your lifestyle, mortgage payments, or family financial commitments.
A Closer Look at Statutory Sick Pay (SSP)
If you become ill, your first port of call is Statutory Sick Pay.
- How much is it? For 2025, it is projected to be around £118 per week.
- How long does it last? Your employer is only required to pay it for a maximum of 28 weeks.
The average UK household expenditure, according to the ONS, is over £670 per week. SSP covers less than 18% of this. After 28 weeks, it stops completely. For anyone with a mortgage, rent, and family to support, it's a financial cliff edge.
The Reality of Long-Term State Benefits
Once SSP runs out, you may be able to apply for Universal Credit or the New Style Employment and Support Allowance (ESA).
- How much is it? As of early 2025, the standard allowance for a single person on Universal Credit is around £393 per month. For ESA, after an assessment period, you might receive up to £138.20 per week if you're placed in the 'support group'.
- Is it guaranteed? No. These benefits are increasingly difficult to qualify for. They involve rigorous, often stressful, Work Capability Assessments. Many applications are initially rejected, leading to long appeal processes.
- Is it enough? Absolutely not. These amounts are intended to prevent destitution, not to pay your mortgage or replace your professional salary.
Let's be clear: the state safety net will not save your financial life. It is a myth that lulls millions into a false sense of security. The responsibility for protecting your income and lifestyle rests squarely on your own shoulders.
Your Three-Pronged Defence: The LCIIP Shield Explained
The only viable way to neutralise the catastrophic financial risk of a Workforce Exit is to build your own private safety net. This is your LCIIP Shield, a portfolio of three distinct but complementary types of insurance, each designed to trigger at a different stage of a health crisis.
1. Income Protection (IP): Your Monthly Paycheque Replacement
If LCIIP is your shield, Income Protection is the foundation. It is arguably the most important insurance policy any working person can own.
- What it is: A policy that pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury.
- How it works:
- Cover Level: You can typically insure up to 50-70% of your gross monthly salary. This is paid tax-free, making it roughly equivalent to your take-home pay.
- Deferment Period: This is the waiting period from when you stop working to when the payments begin. It can be set to align with your employer's sick pay scheme or your savings (e.g., 4, 8, 13, 26, or 52 weeks). A longer deferment period means a lower premium.
- Payment Term: You can choose a short-term plan (e.g., 1, 2, or 5 years of payments) or, more powerfully, a long-term plan that pays out right up until your chosen retirement age (e.g., 67).
- The 'Own Occupation' Gold Standard: This is a critical detail. An 'Own Occupation' policy means you will be paid if you are unable to perform your specific job. Cheaper policies may use 'Suited Occupation' (you can't do a job you're qualified for) or 'Any Occupation' (you can't do any job at all), which are much harder to claim on. Always insist on an 'Own Occupation' definition.
Real-Life Example: Amelia, a 38-year-old solicitor, develops severe burnout and anxiety, leading to a diagnosis of clinical depression. Her GP signs her off work for the foreseeable future. Her employer's sick pay lasts for 13 weeks. Amelia has an Income Protection policy with a 13-week deferment period. In week 14, her policy kicks in, paying her £3,500 tax-free each month. This income continues for the 18 months she needs for therapy and recovery, allowing her to pay her mortgage, cover her bills, and focus on getting better without the terror of financial ruin.
2. Critical Illness Cover (CIC): The Lump Sum Lifesaver
While Income Protection replaces your monthly income, Critical Illness Cover provides a large, one-off cash injection when you need it most.
- What it is: A policy that pays out a tax-free lump sum on the diagnosis of a specific, serious medical condition defined in the policy.
- How it works: Insurers list the conditions they cover, which always include the 'big three': specific types of cancer, heart attack, and stroke. Most comprehensive policies now cover 50+ conditions, and many also offer partial payments for less severe illnesses.
- What it's for: A CIC payout provides immediate financial power and choice. It can be used to:
- Pay off your mortgage or other large debts.
- Fund private medical treatment or specialist consultations, bypassing NHS waiting lists.
- Make essential adaptations to your home.
- Provide a financial cushion for your partner to take time off work to care for you.
- Simply replace lost income for a period of recovery.
Real-Life Example: David, a 45-year-old IT consultant and father of two, suffers a major heart attack. Thankfully, he survives. While he recovers, he faces months off work. His Critical Illness Cover policy pays out £150,000. He immediately uses £110,000 to clear the remaining balance on his family's mortgage. The immense pressure of this monthly outgoing vanishes overnight. The remaining £40,000 allows his wife to reduce her work hours to support his rehabilitation and covers their living costs until he can return to work, stress-free.
3. Life Insurance: The Ultimate Financial Backstop for Your Loved Ones
Life Insurance is the final, essential component of the shield, providing for your family in the event of your death.
- What it is: A policy that pays out a guaranteed lump sum to your beneficiaries if you die during the term of the policy.
- How it works:
- Term Assurance: This is the most common type. It covers you for a fixed period (e.g., until your children are adults or your mortgage is repaid). You can choose a Level Term (payout amount stays the same) or Decreasing Term (payout reduces over time, typically in line with a repayment mortgage).
- Whole of Life: This policy guarantees a payout whenever you die, as long as you keep paying the premiums. It's often used for covering funeral expenses or a future Inheritance Tax liability.
- Write It 'In Trust': This is a crucial piece of financial planning. By writing your life insurance policy 'in trust', the payout goes directly to your chosen beneficiaries, bypassing your estate. This means it is not subject to Inheritance Tax and does not have to go through the lengthy probate process, providing your family with fast access to the funds when they need them most.
Weaving Your Safety Net: How to Structure Your LCIIP Portfolio
Understanding the individual components is the first step. The next is structuring them into a coherent and affordable safety net that is tailored to your life.
Should I Get All Three? Prioritising Your Protection
In an ideal world, everyone would have a robust level of all three. However, budgets are a real-world constraint. Here is the expert consensus on prioritisation:
- Income Protection: For most working people, this is the priority. Your ability to earn an income is your single biggest financial asset. Protecting it protects everything else: your ability to pay your rent or mortgage, your bills, your pension contributions, and your future CIC and Life Insurance premiums.
- Life Insurance: If you have dependents (a partner, children) or a mortgage that would fall to someone else, this is non-negotiable. The cost is often surprisingly low for the peace of mind it provides.
- Critical Illness Cover: This provides powerful options but can be the most expensive element. It works brilliantly alongside IP. The IP covers the monthly bills, while the CIC lump sum can clear a mortgage or fund immediate care needs, transforming your recovery.
The three policies are designed to work in concert, covering different eventualities and financial needs.
| Scenario | Income Protection | Critical Illness Cover | Life Insurance |
|---|---|---|---|
| You get back pain and can't work for 18 months. | ✅ Pays monthly income | ❌ Unlikely to pay | ❌ Not applicable |
| You are diagnosed with a specified cancer. | ✅ Pays monthly income | ✅ Pays lump sum | ❌ Not applicable |
| You have a stroke and need home adaptations. | ✅ Pays monthly income | ✅ Pays lump sum | ❌ Not applicable |
| You pass away. | ❌ Payments stop | ❌ Not applicable | ✅ Pays lump sum |
The Power of Expert Advice: Why a Broker is Essential
It is tempting to try and arrange this cover yourself via a comparison website, but this can be a costly mistake. The world of protection insurance is riddled with complex definitions and clauses.
This is where an expert, independent broker like WeCovr becomes invaluable.
- Whole-of-Market Access: We are not tied to a single insurer. We compare policies, features, and prices from all the major UK providers to find the absolute best fit for you.
- Understanding the Small Print: We live and breathe policy definitions. We know which insurer has the most generous definition for a specific condition, and we will fight to get you that 'Own Occupation' income protection that is so vital.
- Application Support: We handle the paperwork and know how to present your application to the insurer, especially if you have pre-existing medical conditions, to give you the highest chance of getting the cover you need.
- Trust Expertise: We provide the guidance and forms to place your policies in trust, a simple step that saves your family thousands of pounds and months of stress.
Here at WeCovr, our expert advisors specialise in navigating this complex landscape, comparing plans from all major UK insurers to find the perfect LCIIP shield for your unique circumstances.
Beyond the Policy: Added Value and Proactive Health
Modern insurance policies are no longer just a promise of a future payout. The best providers now include a suite of 'added value benefits' that you can use from day one, without even making a claim. These often include:
- 24/7 Virtual GP Services: Get a GP appointment via your phone at any time, day or night.
- Mental Health Support: Access to a set number of counselling and therapy sessions per year.
- Second Medical Opinions: If you receive a serious diagnosis, you can have your case reviewed by a world-leading specialist.
- Physiotherapy & Rehabilitation Support: Services designed to help you get back on your feet and back to work faster.
These benefits provide immediate, tangible value and demonstrate a shift in the industry from simply paying claims to actively supporting the health and wellbeing of clients.
The WeCovr Commitment: Proactive Wellbeing
At WeCovr, we believe in supporting our clients' holistic wellbeing, not just providing a financial backstop. We know that the best claim is the one you never have to make.
That's why, in addition to finding you the most comprehensive protection, we provide all our customers with complimentary access to CalorieHero, our exclusive AI-powered calorie and nutrition tracking app. It's our way of helping you take proactive steps towards a healthier future, showing that our commitment goes above and beyond the policy document.
Debunking Common Myths & Answering Your Questions (FAQ)
Misinformation prevents many people from getting the protection they desperately need. Let's tackle the most common myths head-on.
Myth 1: "It won't happen to me."
The data is unequivocal. Over 1 in 4 of us will be impacted. Believing you are the exception is a gamble against overwhelming odds. These policies are for when the unexpected and unwelcome inevitably happens.
Myth 2: "Insurers never pay out."
This is demonstrably false. The latest data from the Association of British Insurers (ABI) shows that in 2023, 97.3% of all protection claims were paid, totalling a record £6.85 billion. The tiny fraction of claims that are denied are almost always due to 'non-disclosure' – the applicant not being truthful about their health or lifestyle on the application form. Honesty is the best policy.
Myth 3: "I can't afford it."
The real question is, can you afford not to have it? For a healthy 35-year-old, comprehensive income protection providing a £2,500/month benefit could cost less than a daily coffee. The cost of not having it could be your home, your savings, and your family's future. It's about prioritising a small, regular cost to prevent a potential financial implosion.
Myth 4: "I have cover through my employer."
Workplace benefits are a great perk, but they are rarely a complete solution.
- Death in Service: This is typically 2-4x your salary. Is that enough to clear your mortgage and provide for your family for decades? It also ceases the moment you leave your job.
- Group Income Protection: This is better, but the level of cover may be low, and it may not have an 'Own Occupation' definition. Critically, like Death in Service, it is tied to your employer. If you are made redundant or change jobs, your cover disappears, often at an age when getting new personal cover is more expensive. Personal policies are portable and belong to you, no matter where you work.
Your Future is Unwritten – Take Control of the Narrative
The evidence is clear. The risks facing working Britons in 2025 and beyond are significant, and the state-provided safety nets are inadequate. Relying on luck or a flawed belief that "it'll be alright" is no longer a viable strategy.
A forced Workforce Exit due to illness or injury is a life-shattering event, but the financial catastrophe that follows is entirely preventable.
Building your personal LCIIP shield – your fortress of Income Protection, Critical Illness Cover, and Life Insurance – is the single most powerful step you can take to secure your financial destiny. It is the act of a responsible individual taking control, protecting their family, and guaranteeing peace of mind. It ensures that if your health fails, your financial life does not have to fail with it.
Don't wait until it's too late. The time to act is now, while you are healthy and the cost of cover is at its lowest. Take the first step today.
Contact the expert advisors at WeCovr for a free, no-obligation review of your protection needs. We'll help you build the shield that lets you face the future with confidence, not fear.
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!