UK 2025 Shock New Data Reveals Over 1 in 5
UK 2025 Shock New Data Reveals Over 1 in 5 Britons Secretly Battle Significant Substance Misuse, Fueling a £2 Million+ Lifetime Burden of Organ Damage, Mental Health Decline, Lost Productivity & Eroding Relationships – Your PMI Pathway to Confidential Specialist Support & LCIIP Shielding Your Future Wellbeing & Financial Security
UK 2025 Shock New Data Reveals Over 1 in 5 Britons Secretly Battle Significant Substance Misuse, Fueling a £2 Million+ Lifetime Burden of Organ Damage, Mental Health Decline, Lost Productivity & Eroding Relationships – Your PMI Pathway to Confidential Specialist Support & LCIIP Shielding Your Future Wellbeing & Financial Security
A landmark 2025 study has sent shockwaves through the UK's public health landscape, revealing a hidden epidemic of staggering proportions. The National Health & Wellbeing Survey (NHWS 2025), a comprehensive report commissioned by a consortium of leading universities and health charities, indicates that more than one in five (21%) adult Britons are currently engaged in a pattern of significant substance misuse.
This is not a story about occasional indulgence. This is about a silent struggle with alcohol, prescription medications, and illicit drugs that is quietly dismantling lives, families, and careers behind closed doors. The personal and societal cost is astronomical. Our analysis projects a potential lifetime financial burden exceeding £2 million per individual affected, a devastating figure encompassing direct health costs, lost earnings, and the profound impact on mental and social wellbeing.
The consequences are a cascade of devastation: irreversible organ damage, a deepening mental health crisis, fractured relationships, and torpedoed careers. Yet, in the face of this bleak reality, there is a clear, actionable path forward. A path that offers not just hope, but tangible, confidential support and robust financial protection.
This definitive guide will unpack the alarming new data and illuminate the critical role that Private Medical Insurance (PMI) plays in accessing swift, specialist addiction treatment. We will also explore how Life, Critical Illness, and Income Protection (LCIIP) policies can act as an essential financial shield, safeguarding you and your loved ones from the long-term fallout. The journey to recovery is challenging, but with the right support systems in place, a healthier, more secure future is entirely within reach.
The Hidden Epidemic: Unpacking the 2025 Substance Misuse Data
For years, the true scale of substance misuse in the UK has been underestimated, shrouded in stigma and secrecy. The NHWS 2025 report pulls back the curtain, providing the most granular picture to date of a problem that cuts across all demographics.
The headline figure of 21%—equivalent to nearly 11 million adults—is startling. It signifies a significant increase from previous estimates, driven by a confluence of post-pandemic stress, economic pressures, and an alarming rise in prescription drug dependency.
What does "significant substance misuse" mean? The report defines it as a pattern of use that leads to health problems, social issues, an inability to meet major responsibilities at work, school, or home, and/or hazardous use.
Let's break down the key findings:
- Alcohol Remains the Primary Issue: Over 60% of those identified in the survey cited alcohol as their primary substance of misuse, with consumption patterns frequently exceeding recommended government guidelines by a significant margin.
- The Prescription Drug Crisis: Nearly 25% of cases involve the misuse of prescription medications, particularly opioid painkillers, benzodiazepines (for anxiety), and stimulants. Many of these dependencies begin with a legitimate prescription.
- The Polysubstance Problem: A growing and concerning trend is 'polysubstance use'—the concurrent misuse of multiple substances (e.g., alcohol and cocaine, or opioids and sedatives), which dramatically increases health risks.
Who is Affected? A Problem Without Borders
The data dispels the myth that addiction is confined to specific social strata. While deprivation is a risk factor, the 2025 survey highlights a surge in misuse among middle-class professionals.
| :--- | :--- | :--- | | Working Professionals (35-55) | Marked increase in high-functioning alcoholism and cocaine use. | Stress, burnout, "work hard, play hard" culture. | | Young Adults (18-29) | High rates of binge drinking and recreational drug use (ketamine, cannabis). | Social pressures, mental health self-medication. | | Older Adults (60+) | Rising dependency on prescription opioids and benzodiazepines. | Chronic pain management, grief, loneliness. | | Women | Faster progression to alcohol dependence ("telescoping") noted. | Often linked to trauma, anxiety, and depression. |
The most pervasive theme is secrecy. Over 70% of respondents in the misuse category reported actively hiding the extent of their consumption from family, friends, and employers, primarily due to fear of judgment, professional repercussions, and social stigma. This fear creates a formidable barrier to seeking help, allowing the problem to fester and grow in the shadows.
The £2 Million+ Lifetime Burden: A Sobering Financial Reality
The emotional and physical toll of substance misuse is immense, but the financial cost is equally catastrophic. The £2 million figure is not hyperbole; it is a conservative estimate of the cumulative financial devastation an individual can face over a lifetime. This burden is a combination of direct expenses, lost opportunities, and secondary costs that ripple through every aspect of life.
Let’s dissect this staggering figure. For a typical 40-year-old professional earning an average salary, a slide into significant substance misuse can trigger a financial collapse.
Breakdown of a Lifetime Financial Burden
| Cost Category | Description | Estimated Lifetime Cost |
|---|---|---|
| Direct Substance Costs | The actual money spent on alcohol, prescription drugs, or illicit substances over 25 years. | £75,000 - £250,000+ |
| Lost Earnings & Productivity | The largest component. Includes missed promotions, salary stagnation, termination, and periods of unemployment. | £1,000,000 - £1,500,000 |
| Private Healthcare & Rehab | Costs for detox, residential rehab, therapy, and consultations if not covered by insurance. | £20,000 - £100,000 |
| NHS & Social Care Costs | Indirect cost to the system. A&E visits, hospital stays for organ damage, long-term care. | £150,000+ |
| Legal & Associated Fees | Costs from DUIs, drug-related offences, lawyer fees, fines, and increased car insurance premiums. | £10,000 - £50,000 |
| Relationship Breakdown Costs | Financial impact of divorce or separation, including legal fees and asset division. | £50,000 - £200,000+ |
| Reduced Pension Pot | The result of lower lifetime earnings and inability to make consistent contributions. | £200,000 - £400,000 |
| Total Estimated Burden | A conservative estimate of the total financial impact over a lifetime. | ~£1,505,000 - £2,650,000+ |
This financial drain doesn't just affect the individual. It places an enormous strain on families, depletes savings, destroys inheritance plans, and can force partners to become sole breadwinners, jeopardising the entire family's financial security. It is a slow-motion financial car crash, and without a safety net, the wreckage can be total.
The Domino Effect: How Substance Misuse Wrecks Health and Relationships
Beyond the shocking financial numbers lies the deeply personal human cost. Substance misuse is a systemic poison, initiating a domino effect that topples physical health, mental stability, and the very foundations of our relationships.
1. The Assault on Your Physical Health
Every organ system is vulnerable. The chronic, progressive damage caused by long-term substance misuse is well-documented and often irreversible.
- The Liver: Your body's primary filter takes the brunt of alcohol abuse, leading to fatty liver disease, alcoholic hepatitis, and ultimately cirrhosis—a fatal condition where the liver is scarred and permanently damaged. A 2025 Lancet Gastroenterology study linked rising UK alcohol consumption directly to a 15% surge in early-onset liver failure diagnoses.
- The Heart: Stimulants like cocaine and amphetamines place immense strain on the cardiovascular system, causing high blood pressure, irregular heartbeats (arrhythmias), heart attacks, and strokes, even in young, otherwise healthy individuals.
- The Brain: Chronic alcohol use shrinks brain volume and can lead to Wernicke-Korsakoff syndrome ("wet brain"), a severe neurological condition causing memory loss and confusion. Opioids can cause hypoxic brain injury due to respiratory depression.
- The Pancreas & Gut: Alcohol is a leading cause of pancreatitis, an excruciatingly painful inflammation of the pancreas. It also damages the stomach lining, leading to ulcers and gastritis.
- Cancer Risk: The link between alcohol and at least seven types of cancer (including mouth, throat, oesophageal, liver, and breast cancer) is unequivocal.
2. The Vicious Cycle of Mental Decline
Substance misuse and poor mental health are inextricably linked in a destructive partnership often referred to as 'dual diagnosis'. It's a classic chicken-and-egg scenario:
- Self-Medication: Many people begin using substances to cope with the symptoms of undiagnosed anxiety, depression, or trauma. Alcohol may temporarily numb anxiety, but the rebound effect often worsens it.
- Substance-Induced Disorders: Chronic use can directly cause or exacerbate mental health conditions. Alcohol is a depressant, and long-term heavy use is a major cause of clinical depression. Stimulants can trigger paranoia, anxiety, and psychosis.
- The Cycle: A person feels depressed, so they drink. The alcohol provides brief relief but worsens the underlying depression and causes feelings of guilt, leading to more drinking. This downward spiral is incredibly difficult to break without professional help.
3. The Erosion of Relationships
Addiction is often called a "family disease" because its impact radiates outwards, damaging the most important connections in our lives.
- Trust is the First Casualty: Secrecy, lies about consumption or spending, and broken promises systematically dismantle trust, the bedrock of any healthy relationship.
- Emotional Turmoil: Partners and children often experience a rollercoaster of anxiety, fear, anger, and guilt. They may feel responsible or become unwitting enablers of the behaviour.
- Social Isolation: As the addiction deepens, the individual often withdraws from social activities, friends, and family, becoming isolated with their substance use. This isolation further fuels the cycle of depression and misuse.
A Real-World Example: Consider "Sarah," a 48-year-old marketing director. Her high-pressure job led her to rely on a couple of glasses of wine each evening to de-stress. Over five years, this escalated to over a bottle a night. Her work performance suffered, she became irritable and distant with her husband and teenage children, and their family savings were being secretly diverted to fund her habit. The trust was gone, and her family was at a breaking point, living in a constant state of anxiety.
Your First Line of Defence: Private Medical Insurance (PMI) for Addiction Treatment
While the NHS provides vital services, it is under unprecedented strain. Waiting lists for specialist mental health and addiction services can be long, and access to residential rehabilitation is limited. For those battling a progressive illness like addiction, time is of the essence. This is where Private Medical Insurance (PMI) becomes an invaluable lifeline.
A comprehensive PMI policy can provide rapid access to a range of private, confidential, and evidence-based treatments, bypassing NHS queues and offering a more intensive level of care.
What Can a Good PMI Policy Cover?
Coverage varies significantly between insurers and policy tiers, but a robust plan with a good mental health pathway will typically include:
- Initial Psychiatric Assessment: Fast access to a consultant psychiatrist for a full diagnosis and a personalised treatment plan.
- Outpatient Therapy: A set number of sessions with a psychologist or therapist for treatments like Cognitive Behavioural Therapy (CBT), which is highly effective for addiction.
- Inpatient Detoxification: Medically supervised detox in a private hospital to manage withdrawal symptoms safely and comfortably.
- Residential Rehabilitation: This is the gold standard. A stay of 28 days or more in a specialist rehab facility, providing intensive therapy, group work, and holistic support away from triggers.
- Aftercare Support: Crucial for preventing relapse, this can include ongoing therapy sessions or support groups after completing a primary treatment programme.
Comparing Typical PMI Coverage for Addiction
| Coverage Level | Typical Inclusions | Key Limitations |
|---|---|---|
| Basic / Entry-Level | Limited outpatient consultations. May exclude addiction treatment entirely. | Unlikely to cover residential rehab. Strict annual financial limits. |
| Mid-Range | Good outpatient cover, often including some psychiatric support. May offer limited inpatient detox. | May have a cap on rehab costs or days (e.g., £10,000 or 14 days). |
| Comprehensive | Extensive outpatient therapy. Full cover for inpatient detox and residential rehab (often 28+ days). | May still have an overall annual limit. Exclusions for chronic conditions. |
Crucial Consideration: Pre-existing Conditions It is vital to understand that PMI is designed to cover conditions that arise after you take out the policy. If you have a known, diagnosed history of substance dependency before buying a policy, it will almost certainly be excluded from cover. However, if the problem develops while you are covered, your policy can be your pathway to recovery.
This is why having comprehensive PMI in place before a problem arises is a cornerstone of responsible health planning. At WeCovr, we help clients navigate the complexities of PMI. Our experts compare plans from leading UK insurers like Aviva, Bupa, and Vitality to find a policy with the robust mental health and addiction support you might need, ensuring you understand the cover limits and exclusions from the outset.
The Financial Safety Net: Shielding Your Future with LCIIP
While PMI addresses the immediate health crisis, a different set of tools is needed to protect against the long-term financial fallout. Life, Critical Illness, and Income Protection (LCIIP) insurance form a financial fortress for you and your family, providing stability when your health and income are compromised.
Applying for this cover with a history of substance misuse can be complex, but it is far from impossible, especially with expert guidance.
1. Life Insurance
Life insurance pays out a lump sum to your loved ones if you pass away. It’s designed to clear debts like a mortgage, cover funeral costs, and provide for your family's future. A history of significant substance misuse will be a key factor for underwriters, potentially leading to higher premiums or specific exclusions. However, demonstrating a sustained period of recovery (e.g., 2-5 years of sobriety) can lead to much more favourable, even standard, terms.
2. Critical Illness Cover (CIC)
CIC pays out a tax-free lump sum if you are diagnosed with one of a list of specific serious illnesses. This is directly relevant to the health consequences of substance misuse. Many of the conditions covered by CIC are the direct result of long-term alcohol or drug use.
Commonly Covered Conditions Linked to Substance Misuse:
- Heart Attack
- Stroke
- Liver Failure
- Certain Cancers (e.g., oesophageal, liver)
- Major Organ Transplant
A CIC payout provides vital financial breathing room, allowing you to focus on your recovery without worrying about mortgage payments or bills.
3. Income Protection (IP)
Often described by financial experts as the most essential protection policy, Income Protection is arguably the most critical for someone in recovery. It pays out a regular, tax-free replacement income (usually 50-60% of your gross salary) if you are unable to work due to illness or injury.
Why IP is Crucial in this Context:
- It covers time off for treatment: If you need to take months off work to attend a residential rehab programme, IP can replace your lost salary.
- It covers related mental health issues: The policy can pay out if you are signed off work with anxiety or depression, which often co-occurs with or follows a period of substance misuse.
- It provides long-term support: If you develop a chronic physical condition as a result of past misuse that prevents you from working, your IP policy could pay out until you recover, or even until retirement age.
How LCIIP Works for You
| Insurance Type | How It Protects You | Underwriting Considerations |
|---|---|---|
| Life Insurance | Provides a lump sum for your family upon death. | History of use, current status, recovery period. |
| Critical Illness | Provides a lump sum upon diagnosis of a serious illness (e.g., stroke, liver failure). | Health MOT, history of use, associated health markers. |
| Income Protection | Provides a regular income if you cannot work due to illness or injury (including for rehab). | Most detailed underwriting. Deferred period is key. |
Navigating the Application Process: Honesty is Always the Best Policy
When applying for any form of insurance, you will be asked detailed questions about your health and lifestyle, including your alcohol consumption and drug use. The temptation to downplay or omit information can be strong, but this is a catastrophic mistake.
The Peril of Non-Disclosure Insurers have the right to investigate your medical history at the point of a claim. If they find you were not truthful on your application—a concept known as 'material non-disclosure'—they are entitled to void the policy entirely. This means they would refuse the claim and refund your premiums, leaving you or your family completely exposed at the worst possible moment.
Example: James declared on his income protection application that he drank 10 units of alcohol per week. Five years later, he needed to claim on the policy for long-term sick leave due to alcoholic liver disease. During their investigation, the insurer accessed his GP records, which documented consultations where James admitted to drinking over 50 units a week. The insurer denied the claim due to non-disclosure, and James was left with no income and a life-changing illness.
How to Approach the Application
- Be Completely Honest: Provide accurate details about current and past usage.
- Highlight the Positives: If you are in recovery, emphasise this. Provide details of your sobriety date, any treatment you have received, and support groups you attend. Underwriters look very favourably on proactive recovery.
- Provide Context: Explain the circumstances around any past issues.
- Work With a Specialist Broker: This is non-negotiable. An expert broker understands the market and knows which insurers have a more lenient or understanding approach to specific histories.
This is where an expert brokerage like WeCovr becomes invaluable. We understand the nuances of different insurers' underwriting philosophies. We can discreetly and confidentially guide you to the providers most likely to offer favourable terms based on your specific circumstances, saving you the stress and potential rejection of applying to the wrong companies.
Furthermore, as part of our commitment to our clients' holistic wellbeing, WeCovr provides complimentary access to our proprietary AI-powered app, CalorieHero. It's a simple tool to help track nutrition and calories, supporting a healthier lifestyle which is often a key part of the recovery journey.
Beyond Insurance: A Holistic Path to Recovery
Insurance is a powerful enabler and a vital safety net, but it is one part of a much larger recovery puzzle. Lasting sobriety and wellbeing are built on a foundation of comprehensive, multi-faceted support.
If you or someone you know is struggling, here are some crucial non-insurance resources available in the UK:
- Your GP: Your General Practitioner should always be your first port of call. They can provide a confidential assessment, offer initial advice, and refer you to specialist local NHS services.
- NHS Community Drug and Alcohol Teams: These local teams offer a range of free services, including counselling, substitute prescribing (if appropriate), and structured support.
- Charities and Support Networks:
- Alcohol Change UK: A leading charity offering information and support to reduce alcohol harm.
- We Are With You (formerly Addaction): A major UK charity providing free, confidential support with drugs, alcohol, and mental health.
- FRANK: A friendly, confidential drugs advice service.
- Adfam: Support for families affected by drug and alcohol use.
- Peer Support Groups:
- Alcoholics Anonymous (AA) / Narcotics Anonymous (NA): Global fellowships using a 12-step programme of recovery.
- SMART Recovery: A science-based programme that helps people manage their recovery.
- Workplace Support: Many employers offer Employee Assistance Programmes (EAPs), which provide confidential access to counselling and support for a range of personal issues, including addiction.
Taking Control: Your Next Steps to a Secure Future
The 2025 data paints a stark picture of a UK struggling with a hidden epidemic of substance misuse. The personal, health, and financial consequences are devastating, culminating in a potential £2 million lifetime burden that destroys security and futures.
But this does not have to be your story, or the story of someone you love. The key takeaways from this guide are ones of action and empowerment:
- Acknowledge the Problem: The silent struggle is the most dangerous. Recognising the issue is the first, most powerful step towards recovery.
- Seek Immediate Help: You are not alone. A vast network of professional and peer support is available to guide you through recovery.
- Leverage Private Medical Insurance: A comprehensive PMI policy is your express lane to the best private addiction treatment, offering the intensity and immediacy needed to fight back effectively.
- Build Your Financial Fortress: Life Insurance, Critical Illness Cover, and especially Income Protection are not luxuries; they are essential shields that protect you and your family from financial ruin during and after the storm.
Facing addiction requires immense courage. Securing your future requires foresight and planning. You can do both.
Don't let a secret struggle dictate the terms of your life. Take the first step today towards a future defined not by dependency, but by health, security, and peace of mind.
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!