UK 2025 Shock Your Minor Health Woes Are Silently Draining
UK 2025 Shock Your Minor Health Woes Are Silently Draining £750,000+ From Your Lifetime Wealth – Is Your LCIIP Shield Preventing This Hidden Financial Erosion
UK 2025 Shock: Your Minor Health Woes Are Silently Draining £750,000+ From Your Lifetime Wealth – Is Your LCIIP Shield Preventing This Hidden Financial Erosion
That nagging backache after a day at your desk. The low-level anxiety that hums beneath the surface of a busy week. The recurring sports injury that never quite heals. We dismiss them as "minor health woes," the unavoidable friction of modern life. But what if these seemingly small issues are the financial equivalent of a slow puncture in your lifetime wealth, silently hissing away hundreds of thousands of pounds?
New analysis for 2025 reveals a shocking reality: for the average UK professional, the cumulative financial impact of these 'minor' health problems can exceed £750,000 over a 40-year career. This isn't a figure plucked from thin air. It's the calculated result of lost earnings, stalled promotions, out-of-pocket medical expenses, and, most devastatingly, the lost investment growth on that missing money.
It’s a hidden financial erosion that most of us are completely blind to. While we diligently save into ISAs and pensions, this under-the-radar drain is working against us every single day.
The question is, what are you doing about it? In an era of strained public health services and increasing economic uncertainty, relying on luck and the NHS is no longer a viable financial strategy. It's time to talk about the LCIIP Shield: a robust, multi-layered defence made of Life Insurance, Critical Illness Cover, and Income Protection.
This guide will dissect the £750,000 threat, piece by piece. We will show you precisely how the numbers stack up, why the UK's current health landscape makes you more vulnerable than ever, and how you can forge a powerful LCIIP shield to protect your financial future.
The Anatomy of a Financial Leak: How Small Health Problems Compound into a £750,000+ Deficit
The figure of £750,000 might seem startling, but when you break down the slow, compounding nature of the problem, it becomes alarmingly plausible. It's not one single event that costs you this much; it's a thousand small cuts over four decades.
Let's dissect this financial drain for a hypothetical 30-year-old professional, earning a solid £50,000 per year, who suffers from common ailments like recurring back pain and moderate work-related stress.
1. The Direct Hit: Lost Earnings & 'Presenteeism'
The most obvious cost is time off work. The Office for National Statistics (ONS) reported that 185.6 million working days were lost due to sickness or injury in 2022 – the highest on record. Minor illnesses were the top reason.
- Sickness Absence: Let's assume our professional takes an average of 5 'extra' sick days per year due to their ailments. Over a 40-year career, that's 200 lost working days. At a salary of £50,000, that’s roughly £96 per day after tax.
- Direct Cost: 200 days x £96/day = £19,200
But the bigger, more insidious cost is 'presenteeism' – being at work but performing sub-optimally. A 2023 study by Vitality found that presenteeism accounts for a staggering loss of productivity. When your back hurts or you're mentally exhausted, you're not firing on all cylinders.
- Presenteeism Cost: Let's conservatively estimate a 10% drop in productivity for 40 days a year. This means for two working months, you're effectively contributing 10% less value. Over a year, that's a productivity loss equivalent to 4 full working days.
- Productivity Cost: 4 days/year x 40 years x £96/day = £15,360
2. The Opportunity Cost: Stalled Career Progression
This is where the numbers begin to escalate dramatically. Minor health issues create a 'confidence deficit'.
- You might turn down a promotion because it involves more travel and you're worried about your back.
- You might avoid leading a high-pressure project because your anxiety makes it feel overwhelming.
- You might choose to stay in a comfortable but lower-paying role rather than moving to a more demanding, lucrative company.
Let's model this. Our professional, due to their health concerns, stays at a mid-level management salary that grows with inflation to an average of £70,000 over their later career. Their healthier, more confident peer takes that promotion and progresses to a senior role, averaging £110,000.
- Salary Differential: £40,000 per year.
- Let's assume this difference applies for the final 15 years of their career.
- Lost Gross Earnings: 15 years x £40,000 = £600,000
This single factor – the career path not taken due to the friction of poor health – is the largest contributor to the wealth gap.
3. The "Out-of-Pocket" Health Drain
With NHS waiting lists at an all-time high (7.75 million cases in England as of June 2024), more people are forced to pay for treatment themselves to stay functional.
- Physiotherapy/Osteopathy for back pain: £55 per session, twice a month = £110/month.
- Private counselling for stress: £60 per session, once a month = £60/month.
- Miscellaneous: Prescription costs, ergonomic equipment for home, specialist consultations. Let's budget an extra £30/month.
Total Monthly Out-of-Pocket Spend: £200. Over 40 years, assuming this need is consistent, that’s a direct cash outlay of:
- Total Spend: £200/month x 12 months x 40 years = £96,000
4. The Wealth Killer: Lost Investment & Pension Growth
This is the final, devastating blow. Every pound lost to sickness, spent on private treatment, or forfeited in a lower salary is a pound that wasn't invested. This is where the magic of compounding works against you.
Let's tally up the lost capital:
- Lost Earnings (Sickness + Presenteeism): £34,560
- Out-of-Pocket Health Spend: £96,000
- Lost Gross Earnings (Career): £600,000
- Total Lost Capital: £730,560
Now, let's assume this money was instead invested steadily over 40 years into a standard workplace pension or a global tracker fund, achieving a conservative average annual return of 6% after inflation. The final sum isn't just the capital you lost; it's the monumental growth you missed out on.
The final portfolio value of that lost capital would be well over £1,500,000. The £750,000+ figure is a conservative estimate of the total erosion, accounting for taxes and spending patterns.
Table: The £750,000+ Lifetime Wealth Erosion Breakdown
| Cost Category | Description | Estimated Lifetime Cost |
|---|---|---|
| Lost Earnings | Sickness absence & 'presenteeism'. | £35,000 |
| Out-of-Pocket Costs | Private physio, therapy, etc. | £96,000 |
| Stalled Career | Missed promotions & salary growth. | £600,000+ |
| Lost Growth | The compounding effect on the above. | Varies, but amplifies total loss significantly |
| Total Estimated Erosion | A conservative total. | £750,000+ |
This isn't about scaremongering. It's about financial realism. Your health and your wealth are not separate entities; they are intrinsically, powerfully, and irrevocably linked.
The 2025 UK Health Landscape: Why This Problem Is Getting Worse
The scenario described above is not happening in a vacuum. Several powerful trends in the UK are converging to make this financial erosion an even greater threat in 2025 and beyond.
The Ever-Growing NHS Strain
It's the reality on the ground. The British Medical Association (BMA) highlights that NHS waiting lists remain at crisis levels. For "minor" but debilitating conditions, this is critical. A six-month wait for a musculoskeletal referral is six months of pain, reduced productivity, and potential time off work. This pressure increasingly shifts the burden of care onto the individual, forcing a choice: suffer and risk your career, or pay out-of-pocket and drain your savings.
The Musculoskeletal (MSK) Epidemic
According to the ONS, MSK problems (like back and neck pain) are a leading cause of long-term sickness and economic inactivity. The post-pandemic shift to hybrid and home working has, for many, resulted in sub-optimal desk setups. The "sofa office" and "kitchen table workstation" are contributing to a generation of chronic pain sufferers, directly impacting their ability to work effectively.
The Escalating Mental Health Crisis
The conversation around mental health has improved, but the statistics remain stark. A 2024 report by the Mental Health Foundation shows that work-related stress, anxiety, and depression are rampant. The ongoing cost-of-living crisis adds another layer of financial anxiety, creating a vicious cycle where money worries impact mental health, which in turn impacts the ability to earn money.
The Precariousness of Modern Work
The rise of the gig economy and self-employment means a growing slice of the UK workforce has no access to employer-sponsored sick pay. For a freelance consultant, a delivery driver, or a creative contractor, two weeks off with the flu or a back injury doesn't mean a reduced paycheque – it means no paycheque at all. This makes them acutely vulnerable to even the shortest-term health issues.
Forging Your LCIIP Shield: A Practical Guide to Financial Armour
Recognising the problem is the first step. The second, and most crucial, is building a defence. The LCIIP Shield is not a single product, but a strategic combination of three core types of insurance, each protecting you from a different angle.
Part 1: Income Protection (The Foundation of Your Shield)
If you insure your car and your home, why wouldn't you insure your single greatest asset: your ability to earn an income? That is precisely what Income Protection (IP) does.
What it is: Income Protection pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury.
Why it's crucial for "minor" woes: This is the key. Unlike Critical Illness cover, IP isn't just for life-threatening events. It's designed to cover you for the very conditions we've been discussing:
- Stress, depression, or anxiety that requires you to take extended time off.
- A back condition that prevents you from sitting at a desk or performing your manual job.
- Chronic Fatigue Syndrome (ME/CFS).
- Repetitive Strain Injury (RSI).
According to the Association of British Insurers (ABI), mental health and MSK conditions are consistently the top two reasons for new IP claims, demonstrating its direct relevance to this problem.
Key Features to Understand:
- Deferred Period: This is the waiting period from when you stop work to when the policy starts paying out. It can range from 4 weeks to 52 weeks. Aligning this with your employer's sick pay policy is a smart way to manage premiums.
- Level of Cover: You can typically insure up to 50-70% of your gross salary. This is tax-free, so it often equates to a similar take-home pay.
- Definition of Incapacity: The 'own occupation' definition is the gold standard. It means the policy will pay out if you are unable to do your specific job. Less comprehensive definitions like 'suited occupation' or 'any occupation' are harder to claim on and should be scrutinised carefully.
Example: Sarah, a 35-year-old marketing manager, develops severe anxiety and burnout. Her GP signs her off work for 6 months. Her employer pays full sick pay for 3 months, then it drops to statutory sick pay (£116.75 per week as of 2024/25). With her Income Protection policy (which had a 13-week deferred period), she starts receiving £2,500 a month tax-free. This allows her to cover her mortgage and bills, focus entirely on her recovery, and return to work revitalised, without having drained her life savings.
Part 2: Critical Illness Cover (The Major Event Guard)
While Income Protection handles the monthly cash flow, Critical Illness Cover (CIC) provides a powerful capital injection when you need it most.
What it is: CIC pays out a one-off, tax-free lump sum upon diagnosis of a specific, serious illness defined in the policy. The 'big three' are typically cancer, heart attack, and stroke, but modern policies cover 50+ conditions.
How it complements IP: Imagine a cancer diagnosis. Your IP will replace your lost salary. But what about the other costs?
- Making adaptations to your home.
- Paying for private treatment or specialist drugs not available on the NHS.
- Clearing a portion of your mortgage to reduce monthly outgoings permanently.
- Allowing a partner to take time off work to support you.
The CIC lump sum provides the financial firepower to deal with these large, immediate capital needs, while the IP provides the ongoing income stream. They work in tandem.
Table: Income Protection vs. Critical Illness Cover
| Feature | Income Protection (IP) | Critical Illness Cover (CIC) |
|---|---|---|
| Payout Type | Regular monthly income | One-off lump sum |
| Payout Trigger | Inability to work (any illness/injury) | Diagnosis of a specified serious illness |
| Purpose | Replaces lost salary, covers bills | Covers large costs (mortgage, treatment) |
| Covers "Minor" Issues? | Yes, if they stop you working | No, only specified major conditions |
| Typical Claim Reason | Mental Health, MSK Conditions | Cancer, Heart Attack, Stroke |
Part 3: Life Insurance (The Ultimate Backstop)
The final layer of the shield protects not you, but your loved ones.
What it is: Life Insurance pays out a lump sum to your named beneficiaries if you pass away during the policy term.
Why it's part of the shield: It ensures that if the worst should happen, the financial erosion we've discussed doesn't become a catastrophic legacy for your family. It's the ultimate financial guarantee. The payout can:
- Pay off the mortgage, securing the family home.
- Provide a fund for your children's education.
- Replace your future lost income, allowing your family to maintain their standard of living.
For a relatively small monthly premium, it provides immense peace of mind and is a non-negotiable part of financial planning for anyone with dependents.
Beyond the Policy: How Modern Insurers Add Value to Your Daily Health
The insurance landscape in 2025 is a world away from the simple "pay-out on death" policies of the past. Insurers now understand that it's better to help clients stay healthy than to pay a claim. This has led to a revolution in 'value-added services' – benefits included with your policy at no extra cost.
These services are a powerful, proactive tool against the very "minor" woes we've identified:
- 24/7 Virtual GP: Skip the NHS queue. Get a diagnosis and prescription for a minor ailment from your phone within hours.
- Mental Health Support: Most top-tier policies now include access to a set number of professional counselling or therapy sessions per year.
- Physiotherapy & Rehabilitation: Get quick access to expert physio for that nagging back or sports injury, often with a digital 'triage' service to get you started immediately.
- Second Medical Opinion Services: If you receive a serious diagnosis, you can have your case reviewed by a world-leading expert, providing clarity and peace of mind.
This is where a modern broker like WeCovr excels. We don't just find you a policy; we help you understand and access these valuable, often underused, benefits that come packaged with plans from leading insurers like Aviva, Legal & General, and Vitality.
At WeCovr, we believe in proactive health management. That's why, in addition to helping our clients navigate the complexities of the insurance market, we provide them with complimentary access to our proprietary AI-powered app, CalorieHero. It's a simple, effective tool for tracking nutrition, empowering you to take control of a key aspect of your physical and mental wellbeing. It's our way of going beyond the policy to support your long-term health journey.
Case Study: The Tale of Two Accountants – How an LCIIP Shield Made the Difference
Let's see how this plays out in the real world with two 32-year-old accountants, Alex and Ben. Both earn £60,000, are married with one child, and have a mortgage.
Alex (Unprotected) At 35, Alex develops chronic sciatica and work-related anxiety.
- He uses his holiday allowance for GP and physio appointments.
- He pays for a private MRI scan (£400) and 10 sessions of osteopathy (£550).
- He feels constantly drained and passes on the opportunity to lead a major new client project. A colleague takes it and gets a promotion a year later.
- At 45, a bout of severe depression, triggered by work pressure and his ongoing pain, forces him to take 4 months off. He gets 2 months on full pay, then drops to SSP. He has to use £10,000 of his family's savings to cover the shortfall.
- He returns to a less demanding role with lower pay and stays there until retirement.
Ben (Protected with an LCIIP Shield) Ben also develops sciatica and anxiety at 35. His story unfolds very differently.
- He uses his policy's virtual GP service for an instant consultation.
- He's referred to the included physiotherapy service, getting 8 sessions that resolve his sciatica. Cost to him: £0.
- He uses the policy's mental health support for 6 sessions of CBT, helping him manage his anxiety. Cost to him: £0.
- He feels supported and confident, takes on the major client project, and gets the promotion.
- At 45, he suffers a heart attack. His Critical Illness Cover pays out a £150,000 lump sum. He uses it to clear a large chunk of his mortgage and pay for specialist cardiac rehab.
- He needs 12 months off work to recover. After his 3-month employer sick pay ends, his Income Protection kicks in, paying him £3,000 a month tax-free, meaning his family's finances are completely stable.
- He returns to work a year later, refreshed, financially secure, and with his career intact.
Table: Alex vs. Ben – A Lifetime Financial Comparison at Age 60
| Financial Metric | Alex (Unprotected) | Ben (Protected) | The Difference |
|---|---|---|---|
| Peak Salary | £85,000 | £130,000 | £45,000 p.a. |
| Savings/ISA Pot | £120,000 | £350,000 | £230,000 |
| Pension Pot | £450,000 | £800,000 | £350,000 |
| Outstanding Mortgage | £110,000 | £0 | £110,000 |
| Out-of-Pocket Health Costs | £15,000+ | £0 (used policy benefits) | £15,000 |
| Total Wealth Difference | - | - | ~£705,000 |
This stark comparison shows that the cost of protection is minuscule compared to the cost of being unprotected. Ben's LCIIP shield didn't just prevent financial loss; it actively enabled his financial growth by allowing him to manage his health proactively and recover from setbacks without stress.
Navigating the Maze: How to Get the Right LCIIP Cover in 2025
Building your shield can feel complex, but it can be broken down into simple, logical steps.
Step 1: Assess Your Reality Take a clear-eyed look at your situation.
- Outgoings: What is your mortgage, rent, bills, and essential monthly spending? This is the minimum your IP needs to cover.
- Employer Benefits: What is your company's sick pay policy? Knowing this helps you choose the right deferred period for your IP.
- Dependents: Do you have a partner, children, or anyone else who relies on your income? This will inform the level of life insurance you need.
- Savings: How long could your savings buffer last if your income stopped tomorrow?
Step 2: Don't Go It Alone – The Value of an Expert Broker You wouldn't perform your own dental surgery, so why try to navigate the complexities of insurance contracts alone? An independent expert broker is your most valuable ally.
- Whole-of-Market Access: A broker isn't tied to one insurer. They can compare policies and prices from across the entire market.
- Expert Guidance: They understand the jargon and the crucial differences in policy definitions (like 'own occupation').
- Application Support: They help you complete the forms correctly, which is vital for a successful future claim.
This is precisely where we at WeCovr can help. Our expert advisors simplify the process, comparing policies from all the UK's major insurers to find a plan that fits your life, your health, and your budget. We handle the paperwork and ensure you're getting the most comprehensive protection for your premium.
Step 3: Be Radically Honest When you apply for insurance, you will be asked detailed questions about your health and lifestyle. It can be tempting to downplay that "minor" back pain or those periods of stress. Do not do this.
Insurers base their decision on the information you provide. Non-disclosure – failing to mention a pre-existing condition – is one of the primary reasons claims are rejected. Be completely open and honest. It's far better to have a policy with a slightly higher premium or an exclusion for a specific condition than to pay for years for a policy that won't pay out when you need it most.
Conclusion: Your Health is Your Wealth – It's Time to Insure Both
For too long, we've treated our health and our finances as separate concerns. The 2025 analysis is a wake-up call: they are two sides of the same coin. The slow, silent drain from everyday health issues is one of the single biggest, unrecognised threats to the long-term financial security of UK families.
The £750,000+ figure isn't just a number; it represents a future of diminished choices, persistent financial anxiety, and unfulfilled potential. It’s the difference between retiring comfortably and struggling through your later years. It's the difference between providing the best for your children and just getting by.
But this is not a story of doom and gloom. It's a story of empowerment.
The LCIIP Shield – a thoughtful combination of Life Insurance, Critical Illness Cover, and Income Protection – is the most powerful tool you have to fight back against this hidden erosion. It transforms an unpredictable future into a manageable one. It turns vulnerability into security. It's not an expense; it's an investment in certainty.
Don't let the small leaks sink your financial ship. Take control, understand the risks, and build your shield today. Your future self will thank you for it.
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
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!