UK Sickness Trap
UK 2025 Shock: Over 3 Million Working Britons Caught in Long-Term Sickness Trap, Fueling a Staggering £4 Million+ Lifetime Financial Catastrophe of Lost Income & Eroding Family Futures – Is Your LCIIP Shield Your Undeniable Protection Against Lifes Unseen Storms
A silent crisis is gripping the UK. It doesn’t dominate the headlines, but its consequences are devastating for millions of families. By 2025, a projected 3.1 million working-age Britons will find themselves economically inactive, not by choice, but because they are trapped by long-term sickness. This isn't just a health issue; it's a full-blown financial catastrophe, a "Sickness Trap" that can trigger a lifetime financial loss exceeding a staggering £5.5 million for a single higher-earning household.
The reality is stark. A sudden illness or injury can do more than just affect your health; it can systematically dismantle your financial security, erode your family's future, and unravel decades of hard work in a matter of months. Your income stops, but your mortgage, bills, and daily living costs do not. Savings evaporate, debts mount, and the future you planned for your loved ones hangs precariously in the balance.
In this definitive guide, we will dissect the alarming scale of the UK's long-term sickness problem. We will expose the gaping holes in state support and employer sick pay, and map out the financial domino effect that follows a health crisis.
Most importantly, we will introduce your undeniable defence: the LCIIP Shield. This triple-lock combination of Life Insurance, Critical Illness Cover, and Income Protection is not a luxury; it is the fundamental cornerstone of modern financial resilience. It is the one mechanism designed to step in when your health and income step out, ensuring that an unforeseen storm does not become a permanent family shipwreck.
The Alarming Reality: Deconstructing the UK's 2025 Long-Term Sickness Crisis
The numbers are not just statistics; they represent millions of individual stories of interrupted careers, financial hardship, and shattered dreams. The scale of the UK's long-term sickness problem has reached epidemic proportions, creating a significant challenge for individuals, families, and the national economy.
Based on recent trends from the Office for National Statistics (ONS) and the Institute for Fiscal Studies (IFS), the projection for 2025 is deeply concerning. The number of working-age people (16-64) out of work due to long-term health conditions is on a steep upward trajectory, expected to surpass 3.1 million. This represents a substantial increase from pre-pandemic levels, highlighting a worsening public health and economic crisis.
Key Drivers of the 2025 Sickness Trap:
- Mental Health Conditions: The leading cause of work absence is now mental and behavioural disorders. Conditions like anxiety, stress, and depression account for a significant and growing portion of long-term sickness cases. The pressures of modern life, financial instability, and workplace stress are major contributors.
- Musculoskeletal Issues: Chronic back pain, neck problems, and other musculoskeletal disorders remain a primary reason for people being unable to work. These conditions often develop over time and can be debilitating.
- Cancer and Cardiovascular Disease: Despite medical advances, cancer, heart attacks, and strokes continue to be major causes of long-term incapacity. Survival rates are improving, but the recovery period can be long and arduous, often preventing a return to work for months or even years.
- Growing NHS Waiting Lists: The strain on the National Health Service means longer waits for diagnostics, treatments, and specialist consultations. ONS data shows a direct correlation between those waiting for NHS treatment and those out of work due to sickness. Delays in care can turn a manageable condition into a long-term, work-limiting one.
Who is Most at Risk?
While no one is immune, the data reveals certain patterns. The sharpest increase in economic inactivity due to sickness has been among those in their 50s and early 60s. However, a worrying trend is the rise among younger demographics, particularly those in their 20s and 30s, often linked to mental health challenges. This dispels the dangerous myth that serious illness is only a concern for the elderly.
The Sickness Trap is not a distant threat. It is a clear and present danger to the financial stability of millions of UK households.
The £4 Million+ Financial Catastrophe: How Sickness Derails Your Family's Future
The phrase "financial catastrophe" is not hyperbole. For many, the true cost of long-term sickness is a figure so large it seems unreal. But the calculation is brutally simple, and it exposes the fragility of a lifestyle built on a continuous income.
Let's consider a hypothetical but realistic scenario. A 40-year-old marketing director earning £85,000 per year, with a spouse and two children, suffers a severe stroke. They are unable to return to their high-pressure job. Let's trace the potential lifetime financial loss.
The Lifetime Income and Pension Loss Calculation:
| Financial Component | Calculation | Estimated Loss |
|---|---|---|
| Lost Gross Income | £85,000/year for 27 years (to age 67) | £2,295,000 |
| Lost Employer Pension | 5% employer contribution on £85k for 27 years | £114,750 |
| Lost Pension Growth | Assumed 5% annual growth on contributions | £150,000+ |
| Spouse's Lost Income | Spouse reduces hours to become a carer (e.g., £20k loss/year) | £540,000 |
| Total Catastrophic Loss | Sum of direct and indirect financial hits | £3,099,750+ |
This is a simplified calculation. When you factor in lost promotions, bonuses, and the potential need to downsize a family home (losing future equity growth), this figure can easily spiral towards £5.5 million or more for higher-earning households over a lifetime.
The Domino Effect of Lost Income
The loss of a primary salary triggers a devastating chain reaction:
- Immediate Income Shock: Statutory Sick Pay (SSP) is the first line of defence, but it's woefully inadequate. As of 2025, it's just over £116 per week, paid for a maximum of 28 weeks. This barely covers the average weekly food shop for a family, let alone a mortgage.
- Savings Depletion: Families are forced to burn through their savings – ISAs, emergency funds, and other investments – just to cover essential monthly outgoings.
- Debt Accumulation: Once savings are gone, credit cards, loans, and overdrafts become the only option. This creates a spiral of high-interest debt that becomes impossible to escape.
- Mortgage/Rent Arrears: The single biggest monthly expense becomes a source of immense stress, with the threat of repossession or eviction becoming very real.
- Pension Contributions Cease: Retirement planning grinds to a halt. Not only do personal contributions stop, but valuable employer contributions are also lost forever.
- Erosion of Future Opportunities: University funds for children, family holidays, home improvements, and simple lifestyle pleasures are the first casualties.
The Myth of the State Safety Net
Many people mistakenly believe the state will provide a sufficient safety net. The reality is starkly different.
| Support Type | 2025 Estimated Weekly Amount | Duration / Key Limitation |
|---|---|---|
| Statutory Sick Pay (SSP) | £116.75 | Max 28 weeks from your employer. |
| Universal Credit | £91.13 (single, over 25) | Means-tested. Savings over £16k disqualify you. |
| Employment & Support (ESA) | £90.50 (assessment phase) | Strict medical assessment. Not available if on Universal Credit. |
| Average UK Family Outgoings | £650+ (ONS data) | Housing, food, utilities, transport, etc. |
The gap is not a gap; it's a chasm. State benefits are designed for basic subsistence, not to maintain your home, lifestyle, or financial obligations. Relying on them is a plan for financial failure.
Your Triple-Lock Defence: Understanding the LCIIP Shield
While the picture painted is grim, it is not inevitable. You have the power to build a financial fortress around your family, a defence mechanism specifically designed to combat the financial consequences of the Sickness Trap. This is the LCIIP Shield: Life Insurance, Critical Illness Cover, and Income Protection.
These three policies work together to provide a comprehensive safety net, each covering a different, critical risk.
1. Income Protection (IP): The Bedrock of Your Plan
Often considered the most important protection policy for any working adult.
- What it does: Provides a regular, tax-free monthly income if you are unable to work due to any illness or injury. It pays out after a pre-agreed waiting period (the "deferred period") and can continue to pay until you recover, retire, or the policy term ends.
- Why it's essential: It directly replaces your lost salary, allowing you to keep paying your mortgage, bills, and everyday costs. It protects your lifestyle and prevents you from falling into debt. It is your personal sick pay scheme that lasts for years, not weeks.
2. Critical Illness Cover (CIC)
This policy is designed to deal with the immediate financial shock of a serious diagnosis.
- What it does: Pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious conditions defined in the policy. Common conditions include most cancers, heart attack, stroke, multiple sclerosis, and major organ transplant.
- Why it's essential: The lump sum can be used for anything you need. It could pay off your mortgage, cover the cost of private treatment, adapt your home for new mobility needs, or simply provide a financial cushion for you and your family to use while you focus on recovery, without financial stress.
3. Life Insurance
The foundational protection for anyone with financial dependents.
- What it does: Pays out a tax-free lump sum to your loved ones if you pass away during the policy term.
- Why it's essential: It ensures your family can remain financially secure without you. The payout can clear the mortgage, cover funeral costs, provide an income for your surviving partner, and fund your children's future education. It is the ultimate act of financial responsibility.
LCIIP at a Glance: How They Work Together
| Policy Type | What Triggers a Payout? | How Does it Pay? | What Does it Protect? |
|---|---|---|---|
| Income Protection | Unable to work due to illness/injury. | Regular monthly income. | Your ongoing lifestyle & bills. |
| Critical Illness Cover | Diagnosis of a specified serious illness. | One-off lump sum. | Major debts & immediate financial shocks. |
| Life Insurance | Your death or terminal illness. | One-off lump sum. | Your family's long-term financial future. |
These policies are not mutually exclusive; they are complementary. A comprehensive plan, expertly tailored by a broker like WeCovr, often involves a strategic combination of all three to create a robust and affordable financial shield.
Demystifying the Jargon: A Plain-English Guide to Your Policy
The world of insurance can be filled with confusing terminology. Understanding these key terms is crucial to ensuring you get the right cover.
- Premium: The monthly or annual fee you pay to the insurer to keep your policy active.
- Sum Assured / Benefit Amount: The amount of money the policy will pay out. For life and critical illness cover, this is a lump sum. For income protection, it's the monthly income.
- Term: The length of time your policy is in force. For example, a 25-year term to match your mortgage.
- Deferred Period (or Waiting Period): Specific to Income Protection. This is the time you must be off work before the policy starts paying out. Common options are 4, 8, 13, 26, or 52 weeks. The longer the deferred period, the lower the premium.
- 'Own Occupation' Definition: The gold standard for Income Protection. 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' make it much harder to claim.
- Waiver of Premium: An invaluable add-on. If you make a claim (e.g., on your income protection policy), the insurer will "waive" your premiums for all your associated policies with them, so your cover remains in place for free while you are unable to work.
- Guaranteed vs. Reviewable Premiums: Guaranteed premiums are fixed for the life of the policy. Reviewable premiums may start cheaper but can be increased by the insurer over time, often becoming unaffordable. Guaranteed is almost always the better choice.
- Indexation (Inflation-Proofing): You can choose to have your benefit amount and premium increase each year in line with inflation. This ensures that the value of your payout isn't eroded over time.
Beyond the Payout: The Hidden Benefits of Modern Protection Policies
Today's insurance policies offer far more than just a financial payout. Insurers now compete to provide a suite of "value-added services" designed to support your health and wellbeing from day one, even if you never claim.
These benefits are often available to you and your immediate family at no extra cost and can include:
- 24/7 Virtual GP: Access to a UK-based GP via phone or video call, anytime. This helps you bypass NHS waiting times for initial consultations and get prescriptions quickly.
- Mental Health Support: Access to a set number of confidential counselling or therapy sessions per year, providing crucial support for stress, anxiety, and other conditions.
- Second Medical Opinion Services: If you receive a serious diagnosis, you can have your case reviewed by a world-leading expert to confirm the diagnosis and explore treatment options.
- Rehabilitation & Back-to-Work Support: For income protection claims, insurers provide physiotherapy, occupational therapy, and career coaching to help you make a successful return to work.
- Personalised Fitness and Nutrition Plans: Access to apps and services that help you proactively manage your health.
At WeCovr, we believe protection goes beyond the policy. We actively seek out insurers who provide these outstanding support services. That's why, in addition to finding you the most comprehensive cover, we provide all our clients with complimentary access to our own AI-powered calorie tracking app, CalorieHero, helping you take proactive steps towards a healthier lifestyle. It's part of our commitment to your total wellbeing.
How Much Cover is Enough? Tailoring Your LCIIP Shield
There is no "one size fits all" answer. The right amount of cover depends entirely on your personal circumstances. However, here are some robust methods for calculating your needs.
Calculating Life Insurance Needs (The D-I-M-E Method)
- D - Debt: Add up all your non-mortgage debts (loans, credit cards).
- I - Income: Calculate the annual income your family would need to replace. A common starting point is 50% of your salary, multiplied by the number of years until your youngest child is independent.
- M - Mortgage: The outstanding balance on your mortgage.
- E - Education: The estimated future cost of private schooling or university for your children.
- D + I + M + E = Your Total Life Insurance Need.
Calculating Critical Illness Cover Needs
Your CIC amount should be sufficient to remove major financial pressures during recovery. A good starting point is:
- 1-2 years of your gross annual salary.
- PLUS the outstanding balance on your mortgage.
- PLUS an additional buffer (£20k-£50k) for potential medical bills, home alterations, or unforeseen costs.
Calculating Income Protection Needs
- Benefit Amount: You can typically cover 50-70% of your gross annual income. This is paid tax-free, so it's often equivalent to a much higher proportion of your take-home pay.
- Deferred Period: Align this with your safety net. If your employer provides 3 months of full sick pay, and you have enough savings for another 3 months, a 6-month (26-week) deferred period would be a cost-effective choice.
Example Calculation for a Family
| Your Details | Calculation | Required Cover |
|---|---|---|
| Salary: £60,000 | Life: Mortgage (£250k) + Income (£30k x 15yrs) | Life: £700,000 |
| Mortgage: £250,000 | CIC: Mortgage (£250k) + 1yr Salary (£60k) | CIC: £310,000 |
| Savings: £10,000 | IP: 60% of Salary ÷ 12 | IP: £3,000 per month |
| Sick Pay: 1 month | IP Deferred Period: Match savings/sick pay | IP Deferred: 13 weeks |
This is a simplified example. A specialist advisor can conduct a detailed analysis to ensure every angle is covered.
Navigating the Market: Why Expert Guidance is Non-Negotiable
It might be tempting to use a comparison website or go directly to an insurer, but this can be a costly mistake. The protection insurance market is complex, and the details buried in the policy documents can make the difference between a claim being paid or declined.
This is where a specialist independent broker like WeCovr is invaluable.
The Benefits of Using an Expert Broker:
- Whole-of-Market Access: We are not tied to any single insurer. We search the entire market, including providers you won't find on comparison sites, to find the best policy for you.
- Expert Policy Analysis: Do you know the difference between a 'Guaranteed Insurability Option' and a 'Waiver of Premium'? We do. We dissect the T&Cs to ensure the policy you get is robust and offers the definitions (like 'Own Occupation') that are right for you.
- Help with Medical Disclosures: The single biggest reason for claims being declined is "non-disclosure" – failing to mention a past medical issue on the application. We guide you through the process honestly and accurately to ensure your policy is watertight.
- Trust-Writing Service: We can help you place your life insurance policy "in trust." This simple legal step ensures the payout goes directly to your chosen beneficiaries, bypassing lengthy probate and potential inheritance tax. It's a crucial service that is often overlooked.
- Your Advocate at Claim Time: If the worst happens, you and your family won't be alone. We are here to help manage the claim process, taking the administrative burden off your shoulders during a stressful time.
At WeCovr, we act as your personal guide through the protection landscape. We compare policies from all the UK's leading insurers to find the one that offers the best value and the most robust protection for your unique circumstances.
Busting the Myths: Common Misconceptions about Protection Insurance
Misinformation prevents many people from getting the cover they desperately need. Let's tackle the most common myths head-on.
Myth 1: "It's too expensive." Buster: This is the biggest misconception. For a healthy 35-year-old, meaningful cover can cost less than a daily coffee or a monthly streaming subscription. A tailored plan for £250,000 of Life and Critical Illness Cover could cost as little as £30-£40 per month. An expert broker can design a strategy that fits your budget.
Myth 2: "The state will look after me." Buster: As we've demonstrated, state benefits are a fraction of the average family's outgoings. Relying on the state is a guaranteed path to financial hardship.
Myth 3: "I'm young and healthy, I don't need it." Buster: Illness and accidents are, by their nature, unpredictable. Cancer Research UK statistics show that rates for some cancers are increasing in younger adults. Furthermore, premiums are significantly cheaper and underwriting is easier when you are young and healthy. Locking in a low premium now is one of the smartest financial moves you can make.
Myth 4: "Insurers never pay out." Buster: This is demonstrably false. The Association of British Insurers (ABI) publishes annual payout statistics. In 2023, UK insurers paid out over £6.85 billion in protection claims. The payout rates are consistently high:
- 96.9% of Life Insurance claims paid.
- 91.6% of Critical Illness claims paid.
- 92.5% of Income Protection claims paid. The small percentage of declined claims are almost always due to fraudulent claims or failure to disclose important medical information at the application stage.
Your Call to Action: Don't Be a Statistic, Build Your Financial Fortress Today
The UK Sickness Trap is not a fear tactic; it is a documented, growing crisis with devastating financial consequences. Over three million people in 2025 will know its reality. The question is, will you be prepared if it happens to you?
Relying on luck, your employer's limited sick pay, or an inadequate state safety net is a gamble your family cannot afford for you to take. The only responsible action is to build your own financial fortress with the LCIIP Shield.
- Income Protection to keep your life running.
- Critical Illness Cover to absorb the financial shock.
- Life Insurance to secure your family's future.
This isn't just about buying insurance; it's about buying peace of mind. It's about knowing that no matter what health challenges life throws at you, the future you've worked so hard to build for your loved ones is secure.
Don't let your family's future be a matter of chance. Take the first, most important step today. Talk to one of our expert advisors at WeCovr for a free, no-obligation review of your protection needs. Let us help you build the undeniable shield that will protect you and your family from life's unseen storms.
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!