UK 2025 Shock New Projections Reveal Over 1 in 4
UK 2025 Shock New Projections Reveal Over 1 in 4 Britons Will Face a Sudden, Life-Altering Impairment Before Retirement Requiring Long-Term Care or Home Adaptation, Fueling a £2.8 Million+ Lifetime Burden of Care Costs, Lost Independence & Unfunded Personal Support – Is Your LCIIP Shield Securing Your Future Quality of Life & Financial Autonomy
UK 2025 Shock New Projections Reveal Over 1 in 4 Britons Will Face a Sudden, Life-Altering Impairment Before Retirement Requiring Long-Term Care or Home Adaptation, Fueling a £2.8 Million+ Lifetime Burden of Care Costs, Lost Independence & Unfunded Personal Support – Is Your LCIIP Shield Securing Your Future Quality of Life & Financial Autonomy
We plan for our careers, our holidays, and our retirement. We meticulously save for a house deposit and budget for our children's futures. Yet, we collectively overlook a threat that is both devastatingly common and financially catastrophic. New projections for 2025, based on analysis from the Office for National Statistics (ONS) and leading health charities, reveal a stark reality: more than one in four Britons currently in the workforce will experience a sudden, life-altering impairment before they reach state pension age.
This isn't about minor injuries or temporary illnesses. We are talking about severe, long-term conditions that rob individuals of their ability to work, their independence, and their quality of life. Conditions like a major stroke, a diagnosis of Multiple Sclerosis, or a severe accident can strike without warning, triggering a cascade of unforeseen consequences.
The immediate health crisis is only the beginning. It's followed by a lifetime of financial strain, estimated to exceed a staggering £2.8 million per individual. This figure encompasses everything from lost earnings and pension contributions to the crippling costs of long-term care, specialist equipment, and essential home adaptations. It represents a future of compromised choices, immense pressure on family, and a reliance on a state safety net that is far less comprehensive than most believe.
In this definitive guide, we will unpack these shocking new projections. We will explore the true costs—both financial and human—of a life-altering impairment, examine the limitations of state support, and reveal how a robust Life, Critical Illness, and Income Protection (LCIIP) shield is no longer a luxury, but an essential component of modern financial planning. Your future quality of life and financial autonomy could depend on it.
The Unspoken Reality: Deconstructing the "1 in 4" Statistic
The "one in four" figure is not scaremongering; it's a statistical forecast based on converging trends in public health, longevity, and occupational data. A landmark 2025 report by the Institute for Health Equity (IHE) synthesised data from the NHS, ONS, and condition-specific charities to model the lifetime risk for the UK's working-age population.
So, what constitutes a "life-altering impairment" in this context? It refers to a health event or diagnosis that permanently and significantly impacts an individual's ability to perform at least two 'Activities of Daily Living' (ADLs) – such as washing, dressing, or feeding oneself – or that prevents them from ever returning to their previous occupation.
These are not niche, rare diseases. They are the severe outcomes of some of Britain's most common health challenges.
- Strokes: The Stroke Association reports that one in four strokes in the UK happens to people of working age. Many survivors are left with long-term disabilities.
- Cancer: While survival rates are improving, a "good news" story can have a difficult epilogue. Treatment can cause long-term fatigue, nerve damage, or cognitive changes, making a return to a demanding career impossible.
- Musculoskeletal (MSK) Conditions: Severe arthritis or spinal injuries are a leading cause of work disability. Over 10 million people in the UK have a long-term condition linked to their muscles, bones, or joints.
- Neurological Conditions: Diagnoses of Multiple Sclerosis (MS) and Motor Neurone Disease (MND) often occur in people in their 30s, 40s, and 50s, right at their peak earning potential.
- Accidents & Injuries: A serious road traffic accident or a fall can result in paralysis or traumatic brain injury in an instant.
The risk is not evenly distributed but is a material threat to everyone. The modern workplace, with its demands for high cognitive function and sedentary lifestyles, can exacerbate the impact of these conditions, making a return to a previous role unfeasible.
Table: Common Causes of Life-Altering Impairments in the UK (2025 Projections)
| Condition | Annual Incidence (Working Age) | Likelihood Before Age 67 | Typical Long-Term Impact |
|---|---|---|---|
| Major Stroke | 40,000+ | 1 in 20 | Paralysis, speech loss, cognitive changes |
| Severe Heart Attack | 50,000+ | 1 in 15 | Reduced stamina, heart failure, work incapacity |
| Cancer (Invasive) | 150,000+ | 1 in 8 | Chronic fatigue, neuropathy, cognitive fog |
| Multiple Sclerosis | 7,000+ (new diagnoses) | 1 in 300 | Mobility loss, extreme fatigue, vision problems |
| Traumatic Brain Injury | 35,000+ (moderate-severe) | 1 in 50 | Personality change, memory loss, paralysis |
| Severe Arthritis | N/A (chronic) | 1 in 12 | Severe pain, joint replacement, work loss |
The Staggering Financial Aftermath: Unpacking the £2.8 Million+ Lifetime Burden
The £2.8 million figure seems astronomical, but when broken down, its reality becomes chillingly clear. This isn't just about paying for a few prescriptions; it's about funding a completely different, and far more expensive, life. This burden is a combination of direct, out-of-pocket costs and the immense indirect cost of lost income.
Let's analyse the anatomy of this cost for a hypothetical 45-year-old office manager, earning the UK average full-time salary of £35,000, who suffers a severe stroke and is unable to return to work.
1. Direct Costs: The Unfunded Essentials
- Long-Term Care: The NHS does not cover social care. If our manager requires support with daily living, the costs fall to them. 2025 figures from care analysts LaingBuisson show the average cost of a residential care home place is £51,220 per year. Even at-home care, for just a few hours a day, can easily exceed £25,000 annually.
- Home Adaptations: Making a home accessible is a one-off, but significant, expense. A stairlift costs around £4,000. Converting a bathroom into a wheelchair-accessible wet room is £7,000-£10,000. Widening doorways and installing ramps can add thousands more. A fully adapted home could cost upwards of £50,000.
- Specialist Equipment: A high-end, powered wheelchair can cost over £15,000. An adjustable bed, hoisting equipment, and communication aids can add another £10,000. These often need replacing every 5-7 years.
- Ongoing Therapies: While the NHS provides initial rehabilitation, long-term access to vital services like physiotherapy, occupational therapy, and mental health support is often limited. Private sessions are crucial for maintaining quality of life and can cost £50-£100 per hour.
2. Indirect Costs: The Vanishing Future
- Lost Gross Income: This is the single biggest financial blow. From age 45 to 67, our manager stood to earn 22 years of salary. Even without any pay rises, this totals £770,000 in lost gross income.
- Lost Pension Contributions: With no salary, there are no pension contributions from the employee or, crucially, the employer. Over 22 years, this could result in a lost pension pot of over £250,000, decimating retirement plans.
- Partner's Lost Income: It's common for a spouse or partner to have to reduce their working hours or give up their job entirely to become a full-time carer. If our manager's partner also earned an average salary, the household could lose over £1.5 million in joint income.
Table: The Anatomy of the £2.8 Million+ Lifetime Cost (Example)
| Cost Category | Estimated Annual Cost | Projected Lifetime Cost (22 Years) |
|---|---|---|
| Direct Costs | ||
| At-Home Care (20hrs/week) | £26,000 | £572,000 |
| Home Adaptations (One-off) | £35,000 (Year 1) | £35,000 |
| Equipment & Therapy | £8,000 | £176,000 |
| Indirect Costs | ||
| Individual's Lost Income | £35,000 | £770,000 |
| Partner's Lost Income | £35,000 | £770,000 |
| Lost Pension Growth | £12,000 | £264,000 |
| Total Lifetime Burden | £2,587,000 |
Note: This conservative estimate easily approaches £2.8 million+ when factoring in inflation, potential salary increases, and more intensive care needs.
This is the financial reality that millions of British families are just one diagnosis away from.
Beyond the Numbers: The Human Cost of Unpreparedness
Financial figures, however stark, cannot fully capture the devastating human impact of a life-altering impairment without a safety net. The consequences ripple through every aspect of a person's life and their family's.
- Loss of Identity and Independence: Your career is often a core part of your identity. Losing it, along with the ability to perform basic daily tasks, can lead to a profound sense of loss, depression, and social isolation. Financial dependence compounds this, stripping away autonomy and choice.
- Intense Strain on Relationships: When a partner becomes a 24/7 carer, the relationship dynamic changes irrevocably. The roles of spouse, parent, and friend are overshadowed by the duties of nursing, cleaning, and managing finances. Children may also have to take on caring responsibilities, sacrificing their own childhoods.
- A World of Compromised Choices: Without financial protection, families are forced into impossible decisions. Do we sell the family home to pay for care? Do we move our children to a different school to downsize? Can we afford the therapies that might improve mobility or speech? Hobbies, holidays, and social activities become distant memories.
- The Stress of Navigating Bureaucracy: Applying for state support is often a complex, lengthy, and emotionally draining process. Families find themselves buried in paperwork and fighting for basic entitlements at a time when all their energy should be focused on recovery and adjustment.
Imagine having to ask your loved ones for money not for a luxury, but for a piece of equipment that allows you to leave your own home. This is the daily reality for thousands of people in the UK.
The State Safety Net: A Realistic Look at What the NHS and Benefits Provide
A common and dangerous misconception is that "the state will provide." While the UK has a welfare system, it is designed to prevent destitution, not to maintain your standard of living or cover the extensive costs we've outlined.
The NHS: The National Health Service is a national treasure, providing world-class medical care at the point of need. It will save your life after a stroke or provide your cancer treatment. However, its remit largely ends there. The NHS is not responsible for:
- Long-term social care: This includes help with washing, dressing, or eating. This is the responsibility of your local authority and is strictly means-tested.
- Major home adaptations: While a council might provide a small grant, it rarely covers the full cost of major works like a wet room or extension.
- Ongoing, non-essential therapies: Long-term physiotherapy or counselling to help you adapt may not be available on the NHS.
State Benefits: If you're unable to work, you can apply for benefits. The main ones are:
- Employment and Support Allowance (ESA): For those who can't work due to illness. As of 2025, the maximum rate is around £138 per week. This equates to just over £7,100 per year – a fraction of the average salary.
- Personal Independence Payment (PIP): This is intended to help with the extra costs of a disability. It is not means-tested. The maximum enhanced rate for both daily living and mobility is around £184 per week, or £9,500 per year.
While essential, this support is a drop in the ocean. A combined total of around £16,600 per year will not pay the mortgage, cover the household bills, fund care, and maintain a family's quality of life.
Table: State Support vs. Real Costs – The Unbridgeable Gap
| Cost Item | Typical Monthly Cost | Maximum State Support | The Monthly Shortfall |
|---|---|---|---|
| Mortgage Payment | £1,200 | £0 | £1,200 |
| Household Bills | £450 | £0 | £450 |
| At-Home Care | £2,160 | £800 (from PIP) | £1,360 |
| Groceries & Living | £600 | £590 (from ESA) | £10 |
| Total Monthly Shortfall | £3,020 |
Relying solely on the state means facing a monthly deficit of over £3,000, forcing families to exhaust their savings and sell their assets within months.
Your LCIIP Shield: Forging Financial Autonomy and Securing Your Future
Faced with this reality, proactive protection is the only logical response. A comprehensive Life, Critical Illness, and Income Protection (LCIIP) shield is the mechanism by which you can transfer this catastrophic financial risk away from your family and onto an insurer. It's about guaranteeing your financial autonomy and ensuring that a health crisis does not become a lifelong financial crisis.
Let's break down the three essential pillars of this shield:
1. Income Protection (IP) Insurance: The Foundation
This is arguably the most crucial and least understood form of protection. If you are signed off work by a doctor due to any illness or injury, IP pays out a regular, tax-free monthly income.
- How it Works: It replaces a percentage of your gross salary (typically 50-65%) until you can return to work, or until the policy ends (usually at your chosen retirement age).
- Why it's Essential: IP is your new salary. It pays the mortgage, the bills, and the groceries. It maintains your day-to-day lifestyle and prevents you from having to raid your savings or the lump sum from a critical illness policy just to survive month-to-month.
- Key Feature - "Own Occupation" Cover: The best policies offer "own occupation" cover. This means the policy will pay out if you are unable to do your specific job. This is vital for professionals like surgeons, pilots, or skilled technicians whose careers depend on specific physical or cognitive abilities.
2. Critical Illness Cover (CIC): The Emergency Fund
While IP covers the monthly outgoings, CIC provides a large, tax-free lump sum on the diagnosis of a specific, serious condition listed in the policy.
- How it Works: Policies cover a list of conditions, with the "big three" being cancer, heart attack, and stroke, but comprehensive plans cover 50+ conditions, including MS, MND, Parkinson's, and major organ failure.
- Why it's Essential: The lump sum is your financial "shock absorber". It gives you options and control at the worst possible time. It can be used to:
- Pay off the mortgage and other debts instantly.
- Fund major home adaptations.
- Pay for private medical treatments or specialist consultations.
- Bridge any income gap before an IP policy kicks in (the deferment period).
- Provide a financial cushion for a partner to take time off work.
3. Life Insurance: The Ultimate Backstop
Life insurance pays out a lump sum on death or, often, on diagnosis of a terminal illness (with less than 12 months to live).
- How it Works: You choose a level of cover and a term. If you pass away during that term, your beneficiaries receive the payout.
- Why it's Essential: It ensures that your dependents are financially secure. The money can clear any remaining mortgage, cover funeral costs, and provide an inheritance to fund university fees or help your partner retire without financial worry. The terminal illness benefit provides vital funds to improve quality of life and get affairs in order in the final months.
Together, these three policies create a multi-layered shield that protects you and your family from every financial angle of a health catastrophe.
WeCovr in Action: Tailoring Your LCIIP Shield for Maximum Protection
Navigating the insurance market can be complex. Policy definitions, exclusions, and pricing vary significantly between insurers like Aviva, Legal & General, Zurich, and Royal London. This is not a product to be bought "off the shelf" online without advice. Getting it wrong can be as bad as having no cover at all.
At WeCovr, we act as your expert guide. We don't just sell policies; we partner with you to build a personalised protection strategy that is robust, affordable, and perfectly aligned with your life and circumstances.
Our process involves:
- Deep-Dive Analysis: We take the time to understand your financial situation, your family's needs, your occupation, and your budget.
- Market-Wide Comparison: As an independent broker, we have access to plans from all the UK's leading insurers. We compare not just the price, but the crucial details in the policy wording, such as the "own occupation" definitions and the number of critical illnesses covered.
- Strategic Shield Design: We help you layer the different types of cover. For example, structuring an Income Protection policy to cover your core expenses, and a Critical Illness policy to clear the mortgage and create an emergency fund. This is often far more effective and affordable than one giant policy.
Our commitment to your wellbeing extends beyond just financial protection. We believe in a proactive approach to health. That's why all WeCovr clients receive complimentary access to CalorieHero, our exclusive AI-powered nutrition and calorie tracking app. It’s our way of helping you take positive steps to manage your health today, while we secure your financial future for tomorrow.
Building Your Watertight Plan: Key Considerations and Strategic Choices
When working with an adviser to build your LCIIP shield, there are several key decisions to make.
1. How Much Cover Do I Need?
- Income Protection: Aim to cover at least 60% of your gross monthly income. This should be enough to cover all essential outgoings like your mortgage, bills, and food.
- Critical Illness Cover: A good rule of thumb is to cover your outstanding mortgage and other debts, plus 3-5 times your annual salary to provide a significant buffer.
- Life Insurance: Cover your mortgage and debts, plus enough to provide for your children until they are financially independent and to support your partner.
2. Choosing the Right Policy Features
- Guaranteed vs. Reviewable Premiums: Guaranteed premiums are fixed for the life of the policy. Reviewable premiums may start cheaper but can increase over time. Guaranteed is almost always the better choice for long-term certainty.
- The Deferment Period (for IP): This is the waiting period between when you stop working and when the policy starts paying out. It can range from 4 weeks to 52 weeks. Matching it to your employer's sick pay period is a smart way to keep premiums down.
- Waiver of Premium: This is a vital add-on. It means that if you make a claim, the insurer will pay your policy premiums for you, so your cover remains in place.
Table: Policy Feature Checklist
| Feature | Essential | Highly Recommended | Nice to Have |
|---|---|---|---|
| IP: 'Own Occupation' Definition | ✅ | ||
| All: Guaranteed Premiums | ✅ | ||
| All: Waiver of Premium | ✅ | ||
| CIC: Comprehensive Condition List | ✅ | ||
| CIC/Life: Children's Cover Included | ✅ | ||
| CIC: Global Treatment Option | ✅ | ||
| IP: Index-Linked Cover | ✅ |
The Cost of Waiting: Why Acting Now is the Smartest Financial Decision You'll Make
There is a simple, unchangeable truth about protection insurance: it will never be cheaper for you than it is today.
Premiums are calculated based on two primary factors: your age and your health at the time of application. The younger and healthier you are, the lower the risk you represent to an insurer, and the lower your premiums will be for the entire term of the policy.
Delaying the decision by just a few years can have a significant financial impact. Furthermore, waiting risks the development of a minor health condition—like high blood pressure or a back problem—that could lead to higher premiums or even make you uninsurable for certain conditions in the future.
Table: The Price of Delay – Example Monthly Premiums
Based on a non-smoker, £300,000 of Life & CIC, and £2,000/month of IP to age 67.
| Applicant Age | Estimated Combined Monthly Premium | Total Cost Over 25 Years |
|---|---|---|
| 30 | £75 | £22,500 |
| 40 | £130 | £39,000 |
| 50 | £280 | £58,800 (to age 67) |
Waiting a decade could cost you over £16,000 extra in premiums for the exact same cover. The most expensive insurance policy is the one you need but can no longer get.
Secure Your Tomorrow, Today
The projections for 2025 are a clear and urgent call to action. The risk of a life-altering impairment before retirement is not a remote possibility; it is a statistical probability for more than a quarter of us.
The potential consequences—a £2.8 million lifetime financial burden, the loss of independence, and unbearable strain on our families—are too severe to ignore. The state safety net, while important, is simply not equipped to shield you from this level of financial devastation.
But you are not powerless. You can take control. By building a robust LCIIP shield, you can ensure that a sudden health crisis does not dictate the course of your life. You can guarantee that your mortgage will be paid, your bills will be covered, and your family's quality of life will be protected. You can secure your financial autonomy and your future choices, no matter what happens.
Don't leave the most important plan of all to chance. Speak to an expert protection adviser at WeCovr for a free, no-obligation review of your needs. Let us help you forge the shield that will secure your tomorrow, today.
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:
Our Group Is Proud To Have Issued 800,000+ Policies!
We've established collaboration agreements with leading insurance groups to create tailored coverage
How It Works
1. Complete a brief form
2. Our experts analyse your information and find you best quotes
3. Enjoy your protection!
Any questions?
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!