UK Longevity Trap: Protect Your £500k Future
Living longer is the dream, but for 1 in 2 Britons, 2025 brings a sobering reality: two decades or more spent in ill health. Is your LCIIP strategy robust enough to protect your £500,000+ future from this looming 'longevity trap'?
UK 2025 Reality: Living Longer Means 20+ Years in Ill Health for 1 in 2 Britons – Is Your LCIIP Strategy Protecting Your £500,000+ Future From This Longevity Trap?
We are living through a quiet revolution. Medical science has gifted us with something our ancestors could only dream of: longer lives. A child born in the UK today can expect to live well into their 80s or 90s. But beneath this celebratory headline lies a stark and challenging reality, a paradox that is fast becoming the defining financial challenge of our generation: the Longevity Trap.
The latest 2025 data paints a sobering picture. While our lifespan is increasing, our "healthspan" – the period of our lives spent in good health – is failing to keep pace. Projections from the Office for National Statistics (ONS) and health bodies now suggest that almost one in two Britons will spend over two decades of their later life managing at least one chronic illness.
This isn't just a health crisis; it's a financial one. A 20-year period of ill health can silently dismantle a lifetime of financial planning, eroding savings, derailing retirement, and placing an immense burden on our families. For a typical professional earning £50,000 a year, a decade out of work due to illness represents a staggering £500,000 in lost income alone, before even considering the escalating costs of care and treatment.
Are you prepared for this new reality? Is your financial plan built for a 65-year life or a 90-year life? More importantly, is it stress-tested for a 20-year period of ill health? This guide will explore the true scale of the UK's Longevity Trap and provide a clear blueprint for protecting your financial future with a robust Life, Critical Illness, and Income Protection (LCIIP) strategy.
The 2025 UK Longevity Paradox: A Widening Gap Between Lifespan and Healthspan
For decades, the simple measure of success was life expectancy. But as we enter the mid-2020s, a more nuanced and critical metric has taken centre stage: Healthy Life Expectancy (HLE).
- Lifespan: The total number of years you live.
- Healthspan: The number of years you live in good health, free from disabling illness or injury.
The gap between these two figures is the period we will spend in ill health. And for the UK, this gap is becoming a chasm.
According to the latest analysis based on ONS projections for 2025:
- Average life expectancy at birth is approximately 80.1 years for males and 83.8 years for females.
- Average healthy life expectancy is just 62.4 years for males and 62.7 years for females.
This reveals a shocking truth: on average, a man in the UK can expect to spend almost 18 years in a state of poor health, while for a woman, it's over 21 years. These are not just numbers; they represent decades of potential struggle, dependency, and financial strain.
Why is This Happening?
The reasons for this growing disparity are complex:
- Successes in Medicine: We are now exceptionally good at keeping people alive with chronic conditions. Treatments for cancer, heart disease, and diabetes have advanced dramatically, turning what were once death sentences into manageable long-term illnesses.
- Lifestyle Factors: Rising rates of obesity, sedentary lifestyles, and stress-related conditions are leading to earlier onset of chronic diseases like Type 2 diabetes, musculoskeletal disorders, and mental health issues. A 2025 report from Public Health England highlighted that nearly two-thirds of adults in the UK are overweight or obese, a primary driver of long-term morbidity.
- An Ageing Population: As the 'baby boomer' generation moves into their 70s and 80s, the prevalence of age-related conditions like dementia, arthritis, and stroke naturally increases, placing unprecedented demand on health and social care systems.
The result is a new normal where "retirement" may not be a golden period of travel and leisure, but a long, challenging, and expensive phase of managing health conditions. This is the Longevity Trap, and falling into it unprepared can have devastating financial consequences.
The £500,000+ Peril: Calculating the True Cost of Long-Term Ill Health
The financial shock of a long-term illness is a triple-edged sword: your income stops, your expenses increase, and your long-term savings are raided to bridge the gap. Let's break down the staggering potential cost, which can easily exceed half a million pounds.
1. The Catastrophic Loss of Income
For most people, their ability to earn an income is their single biggest asset. A serious illness that prevents you from working for an extended period is a direct hit on your financial core.
Consider a 45-year-old project manager earning £60,000 a year. If a condition like Multiple Sclerosis or severe arthritis forces them to stop working 15 years before their planned retirement age of 67, the direct loss of gross income is:
£60,000 x 15 years = £900,000
This figure doesn't even account for potential pay rises, bonuses, or the loss of valuable pension contributions from their employer, which could easily push the total financial loss well over the £1 million mark. This is the primary reason Income Protection is often called the bedrock of any financial protection plan.
2. The Escalating Cost of Care and Living
While your income disappears, your expenses will almost certainly rise. The NHS provides phenomenal care, but it does not and cannot cover everything. The financial burdens of living with a long-term condition can be immense.
| Potential Cost Area | Description | Estimated Annual Cost |
|---|---|---|
| Private Medical Care | Consultations, treatments, or therapies to bypass long NHS waiting lists. | £2,000 - £15,000+ |
| Home Modifications | Ramps, stairlifts, wet rooms, and other adaptations to maintain independence. | £5,000 - £30,000 (one-off) |
| Specialist Equipment | Mobility scooters, adjustable beds, assistive technology. | £1,000 - £10,000+ |
| Domiciliary Care | A private carer visiting for a few hours a day to help with daily tasks. | £15,000 - £25,000 |
| Full-Time Care | Live-in care or a place in a residential nursing home. | £40,000 - £70,000+ |
| Increased Bills | Higher heating bills from being at home more, special dietary needs, travel to appointments. | £1,000 - £3,000 |
These costs are not theoretical. According to 2025 figures from healthcare analysts LaingBuisson, the average cost of a UK nursing home place now exceeds £55,000 per year. Just a few years in residential care can wipe out an entire property's worth of equity.
3. The Decimation of Your Future
When faced with a loss of income and rising costs, families have little choice but to turn to their savings and investments.
- Pension Raids: Money carefully saved for retirement is often accessed early, incurring potential tax penalties and, more importantly, jeopardising your financial security in later old age.
- Drained ISAs and Savings: The emergency fund, children's university fund, and other savings are the first to go.
- Eroding Inheritance: The legacy you hoped to leave for your children is spent on care costs.
- Impact on Spouse: Your partner may have to reduce their working hours or give up their job entirely to become a full-time carer, further compounding the loss of household income.
The Longevity Trap doesn't just affect you; it creates a ripple effect of financial hardship that can impact your family for generations.
The State Safety Net: A Realistic Look at Government Support
A common misconception is that the state will provide a sufficient safety net if you become too ill to work. While there is support available, it is crucial to understand its limitations. It is designed to prevent destitution, not to maintain your current lifestyle.
Statutory Sick Pay (SSP)
If you are an employee, your employer must pay you SSP if you're off sick for more than 4 days.
- Current Rate (2025/26): Approximately £118 per week.
- Duration: Payable for a maximum of 28 weeks.
£118 a week is unlikely to cover the average mortgage payment, let alone council tax, food, and utility bills. It is a very short-term cushion.
Employment and Support Allowance (ESA) and Universal Credit
Once SSP ends, or if you are self-employed, you may be able to claim benefits like the 'new style' ESA or Universal Credit with a limited capability for work element.
- Typical Payments: For a single person, this support often amounts to between £400 and £600 per month, depending on circumstances.
- Eligibility: The assessment process is rigorous and can be stressful. You need to prove you have limited capability for work.
Let's be clear: could your family survive, pay the mortgage, and maintain their standard of living on roughly £140 per week? For the vast majority of people, the answer is a resounding no. The state provides a floor, but for most homeowners and middle-income families, that floor is in the basement.
Your Financial Fortress: Building a Robust LCIIP Strategy
The profound financial risks of the Longevity Trap cannot be overstated. However, they can be effectively managed with a well-designed, multi-layered financial protection strategy. This is where Life, Critical Illness, and Income Protection (LCIIP) insurance come in.
Think of them as the three essential pillars of your financial fortress, each defending you against a different threat.
Pillar 1: Income Protection (IP) – The Cornerstone
What it is: Income Protection Insurance pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury that prevents you from doing your job.
Why it's the cornerstone: It protects your most valuable asset – your ability to earn a living. It replaces a significant portion of your lost salary, allowing you to continue paying your bills, funding your lifestyle, and contributing to your pension.
Key Features to Understand:
- Level of Cover: You can typically cover 50-70% of your gross annual salary. This is paid tax-free, so it's often close to your normal take-home pay.
- Deferred Period: This is the waiting period from when you stop working to when the payments begin. Common options are 4, 8, 13, 26, or 52 weeks. The longer the deferred period, the lower the premium. You can align this with your employer's sick pay policy or your emergency savings.
- Payment Period: Can be short-term (e.g., 1, 2, or 5 years) or, crucially, long-term, paying out right up until your chosen retirement age (e.g., 67). For protecting against the Longevity Trap, a long-term policy is essential.
- Definition of Incapacity: This is vital. 'Own Occupation' cover is the most comprehensive, as it pays out if you are unable to do your specific job. 'Suited Occupation' or 'Any Occupation' definitions are less robust and should be considered carefully.
Pillar 2: Critical Illness Cover (CIC) – The Capital Shield
What it is: Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with one of a list of specific, serious conditions defined in the policy.
Why it's the capital shield: While IP replaces your monthly income, CIC provides a large injection of capital to deal with the immediate financial shocks of a serious diagnosis. This lump sum can be used for anything you want, giving you complete flexibility at a time of immense stress.
Common Uses for a CIC Payout:
- Clear or reduce your mortgage.
- Pay off debts like car loans and credit cards.
- Fund private medical treatment or specialist consultations.
- Pay for home modifications.
- Provide a financial cushion for your partner to take time off work.
- Simply replace savings that have been used up during the initial stages of illness.
The "big three" conditions covered by all policies are cancer, heart attack, and stroke, but modern policies can cover over 50 specified conditions, including multiple sclerosis, motor neurone disease, major organ transplant, and dementia. Many now offer 'severity-based' payments, providing a partial payout for less severe conditions, offering a safety net for a wider range of health events.
Pillar 3: Life Insurance – The Family's Final Defence
What it is: Life Insurance pays out a lump sum to your loved ones if you pass away during the term of the policy.
Why it's essential: While IP and CIC protect you during your lifetime, Life Insurance protects your family after you are gone. It ensures that your death does not create a financial crisis for those you leave behind.
Key Uses for a Life Insurance Payout:
- Pay off the remaining mortgage, securing the family home.
- Cover funeral expenses (which average over £4,000 in 2025).
- Provide a lump sum to replace your future lost income, allowing your family to maintain their standard of living.
- Cover potential inheritance tax liabilities.
There are two main types: Term Insurance, which covers you for a fixed period (e.g., until the mortgage is paid off or the children are financially independent), and Whole of Life Insurance, which guarantees a payout whenever you die.
Real-Life Scenarios: How LCIIP Works in Practice
Let's illustrate the power of a joined-up strategy with two common scenarios.
Scenario 1: Sarah, a 42-year-old Marketing Manager
Sarah earns £70,000 a year, is married with two children, and has a £300,000 mortgage. She is diagnosed with breast cancer.
The Reality Without an LCIIP Strategy:
- Sarah receives 6 months of full sick pay from her employer, then drops to SSP (£118/week).
- The family's income is dramatically reduced. They struggle to meet the £1,500 monthly mortgage payment.
- The gruelling chemotherapy treatment makes it impossible for her to work.
- They use their £15,000 in savings to cover bills for a few months. After that, they start using credit cards.
- The stress is immense. Sarah worries constantly about money instead of focusing on her recovery. Her husband has to take unpaid leave to support her, further reducing their income.
The Reality With a Robust LCIIP Strategy:
- Critical Illness Cover: Sarah has a £150,000 CIC policy. Upon diagnosis, this pays out as a tax-free lump sum. She uses it to pay off half the mortgage, immediately reducing their biggest monthly outgoing. The rest is put aside for any unexpected costs and to give them breathing space.
- Income Protection: After her 6-month deferred period (matching her work sick pay), her IP policy kicks in. It pays her £3,500 a month (60% of her gross income, tax-free), replacing most of her lost salary.
- The Result: The family's financial stability is maintained. The mortgage pressure is gone. The monthly income is secure. Sarah and her family can focus 100% on her treatment and recovery, free from financial terror.
Scenario 2: David, a 50-year-old Self-Employed Electrician
David runs his own business, earning around £50,000 a year. He has a severe stroke which leaves him with partial paralysis and unable to work on the tools again.
The Reality Without an LCIIP Strategy:
- As he is self-employed, his income stops on day one. He is not entitled to SSP.
- He has to close his business and let his apprentice go.
- He and his wife rely on her part-time salary and their savings.
- They apply for Universal Credit, but the payments are minimal and the process is slow and stressful.
- They face the prospect of having to downsize their home to release equity to live on. His dream of retiring at 65 is shattered.
The Reality With a Robust LCIIP Strategy:
- Critical Illness Cover: David's £100,000 CIC policy pays out. He uses this to clear his business debts, pay off his van loan, and adapt their bathroom into a wet room. The remaining funds provide a significant financial cushion.
- Income Protection: David chose a policy with a 13-week deferred period. After 3 months, it starts paying him £2,500 a month. Critically, he has a long-term, 'own occupation' policy. Because he can no longer work as an electrician, the policy will continue to pay him every month until his chosen retirement age of 67.
- The Result: The lump sum from the CIC deals with the immediate financial crisis. The IP provides a secure, long-term income, replacing his earnings. He is able to focus on his rehabilitation and can even explore retraining for a different, less physical role without financial pressure. His family's future is secure.
Common Myths and Misconceptions Debunked
Scepticism around insurance is common, often fuelled by myths and out-of-date information. Let's address the main ones.
-
Myth 1: "It's too expensive." Reality: The cost of protection is often far less than people think, especially when you are younger and healthier. A comprehensive LCIIP strategy can often be secured for less than the cost of a daily coffee or a family's monthly streaming subscriptions. An expert broker like WeCovr can compare the entire market to find a plan that fits your budget. The real question is: can you afford not to have it?
-
Myth 2: "I'm young and healthy, I don't need it." Reality: Illness and injury can strike at any age. In fact, cancer, heart attack and stroke account for around 25% of all claims for people in their 30s and 40s. Securing cover when you are young and healthy means lower premiums for the life of the policy and ensures you are insurable before any health issues arise.
-
Myth 3: "I have cover through my employer." Reality: While a great perk, employer-provided cover is often basic. 'Death in Service' benefits are typically 2-4x salary, which may not be enough to clear a mortgage and provide for your family. Group income protection may be short-term, and critical illness cover is rarely offered. Most importantly, this cover ceases the moment you leave your job, potentially leaving you uninsured at an older age when new cover is more expensive or harder to get.
-
Myth 4: "Insurers never pay out." Reality: This is demonstrably false. The industry has become highly transparent about its claim statistics. According to the Association of British Insurers (ABI) 2024 data, UK insurers pay out over 97% of all protection claims, amounting to over £19 million every single day. The overwhelming majority of declined claims are due to non-disclosure (not being truthful on the application) or the condition not meeting the policy definition – both of which can be avoided by getting professional advice.
How WeCovr Helps You Build Your Shield
Navigating the world of LCIIP insurance can feel complex. Policies, definitions, and pricing vary hugely between providers. This is where getting expert, independent advice is not just helpful, but essential.
At WeCovr, we specialise in helping individuals and families across the UK build a protection strategy that is perfectly tailored to their unique circumstances. We are not tied to any single insurer. Instead, we use our expertise to search the entire market, including major names like Aviva, Legal & General, Zurich, and Royal London, to find the right cover at the most competitive price.
Our advisory process involves:
- Understanding You: We take the time to understand your finances, your family's needs, your health, and your future goals.
- Identifying the Risks: We help you quantify the financial impact of the Longevity Trap and other life events.
- Designing Your Strategy: We recommend the right combination of Life, Critical Illness, and Income Protection cover, explaining the pros and cons of each option in plain English.
- Handling the Details: We manage the application process from start to finish, ensuring everything is completed accurately to give you the best chance of a successful claim in the future.
Furthermore, we believe in supporting our clients' holistic well-being. That's why we go beyond the policy. As a WeCovr client, you'll receive complimentary access to CalorieHero, our exclusive AI-powered calorie and nutrition tracking app. We believe in proactively supporting your health journey, not just protecting you financially when things go wrong.
Conclusion: Don't Let the Gift of a Long Life Become a Financial Burden
The Longevity Trap is the defining, yet often ignored, financial challenge of our time. The prospect of living for 20 or more years in a state of ill health is a reality we must all plan for. Relying on dwindling savings or a stretched state safety net is not a strategy; it's a gamble with your family's future.
The good news is that this risk is entirely manageable. A well-structured, affordable, and comprehensive LCIIP strategy is the most powerful tool you have to defy the Longevity Trap.
- Income Protection secures your monthly income.
- Critical Illness Cover provides a capital shield against major health shocks.
- Life Insurance protects your family's legacy.
Together, they form a financial fortress that allows you to face the future with confidence, knowing that you and your loved ones are protected, come what may. Don't leave your £500,000+ future to chance. The time to review your protection strategy and secure your financial well-being is now.
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!