UK Stress Epidemic £3.5M Financial Threat
UK 2025 Shock Data Reveals Over 1 in 3 Working Britons Face Chronic Stress Leading to Premature Disease, Burnout, & a Staggering £3.5 Million+ Lifetime Financial Catastrophe – Is Your LCIIP Shield Your Invisible Armour Against Modern Lifes Unseen Pressures
The statistics are not just alarming; they are a deafening klaxon sounding a national emergency. New projections for 2025 reveal a Britain teetering on the edge of a widespread burnout crisis. More than one in three working adults—over 12 million people—are now experiencing chronic stress levels high enough to significantly increase their risk of debilitating physical and mental illness.
This isn't just about feeling overwhelmed. This is a public health and personal finance catastrophe in the making. The invisible pressures of modern life—relentless work demands, the spiralling cost of living, and the 'always-on' digital culture—are forging a direct pathway to conditions like heart disease, strokes, cancer, and severe mental health breakdowns.
The financial fallout? A potential lifetime loss exceeding a staggering £3.5 million for a higher-rate taxpayer struck down by illness in their prime. This figure isn't hyperbole; it's a calculated reality of lost income, squandered pension growth, and crippling healthcare costs.
In this new reality, the traditional financial safety nets are proving woefully inadequate. The question is no longer if you will be affected by this epidemic, but how you will protect yourself and your family when it strikes. The answer lies in an often-overlooked but increasingly vital financial toolkit: Life, Critical Illness, and Income Protection (LCIIP) insurance. This is your invisible armour, the modern shield against the unseen arrows of 21st-century life.
This guide will dissect the UK's stress epidemic, revealing the hard data, the devastating health links, and the precise financial anatomy of a stress-induced catastrophe. Most importantly, it will show you how to build a resilient financial fortress that can withstand the storm.
The Silent Epidemic: Unpacking the UK's 2025 Stress Crisis
The concept of 'stress' has been normalised, often worn as a badge of honour in a culture that glorifies being busy. However, the data for 2025 paints a starkly different picture, transforming stress from a personal struggle into a national crisis.
In 2023/24, stress, depression, or anxiety accounted for an estimated 17.1 million lost working days. By the end of 2025, this figure is projected to surge past 20 million days annually.
What's driving this?
- Workload Pressures: Unmanageable workloads, tight deadlines, and a lack of managerial support remain the primary culprits, cited by over 70% of those suffering from work-related stress.
- Cost of Living Crisis: Persistent inflation and stagnant real-term wages have created a backdrop of constant financial anxiety for millions of households, eroding any sense of security.
- Digital Overload: The blurring of lines between work and home life, fuelled by remote working technology, has created an 'always-on' expectation, making it impossible for many to truly switch off and recover.
- Societal Pressure: The curated perfection of social media and constant societal pressure to achieve more contribute to a pervasive sense of inadequacy and anxiety.
This isn't just a London-centric issue. The crisis is nationwide, affecting individuals across all sectors, from NHS nurses to corporate lawyers and skilled tradespeople.
| Statistic | 2019 (Pre-Pandemic) | 2023 (Post-Pandemic) | 2025 (Projection) | Source / Basis |
|---|---|---|---|---|
| Work-Related Stress Cases | 828,000 | 914,000 | ~980,000 | HSE Trend Data |
| Lost Working Days | 12.8 Million | 17.1 Million | ~20.5 Million | HSE Trend Data |
| % of Adults with High Anxiety | 21% | 30% | ~34% | ONS Opinions Survey |
| Sick Days for Mental Health | 1 in 7 | 1 in 5 | 1 in 4 | CIPD / Mind Data |
This data confirms a chilling trend: the coping mechanisms of the UK workforce are being systematically eroded, leaving millions vulnerable to the severe health consequences that follow prolonged, unmanaged stress.
From Stress to Sickness: The Devastating Health Consequences
Your body doesn't distinguish between a physical threat (like a predator) and a psychological one (like a looming deadline or a terrifying bank statement). The physiological response—the "fight-or-flight" mechanism—is the same. It floods your system with hormones like cortisol and adrenaline.
When this response is triggered occasionally, it's harmless. But when it becomes chronic—a daily, unrelenting state—it begins to wage a war on your body.
The Medical Link:
- Cardiovascular Disease: Chronic stress is a scientifically proven risk factor for high blood pressure (hypertension). Over time, this damages arteries and dramatically increases the risk of a heart attack or stroke. The British Heart Foundation has explicitly warned that prolonged stress can lead to unhealthy coping mechanisms like smoking and poor diet, further compounding the risk.
- Cancer: While a direct causal link is complex, compelling evidence from institutions like Cancer Research UK suggests chronic stress can weaken the immune system's ability to fight off cancerous cells. Furthermore, the inflammation caused by stress can promote tumour growth and progression.
- Neurological & Autoimmune Disorders: Emerging research links chronic stress to the onset or exacerbation of conditions like Multiple Sclerosis (MS). The constant inflammatory state can trigger or worsen autoimmune responses where the body attacks its own tissues.
- Severe Mental Health Conditions: What starts as 'stress' can spiral into diagnosed, debilitating conditions like severe clinical depression, anxiety disorders, and burnout, which is now recognised by the World Health Organisation (WHO) as an occupational phenomenon. These conditions can render a person completely unable to work for months or even years.
| Chronic Stressor | Potential Health Outcome | Common Critical Illness? |
|---|---|---|
| High-Pressure Job | Hypertension, Heart Attack, Stroke | Yes |
| Financial Worry | Weakened Immunity, Poor Diet | Indirect link to Cancer |
| Digital Burnout | Severe Depression, Anxiety | Sometimes (if severe) |
| Lack of Control | Inflammation, Autoimmune Flare-up | Yes (e.g., MS) |
The tragic irony is that the very drive and ambition that propel people in their careers can, under the weight of chronic stress, become the catalyst for a life-altering illness that brings that same career to a sudden, devastating halt.
The £3.5 Million Financial Catastrophe: Deconstructing the Cost of Chronic Stress
When a serious illness strikes, the immediate focus is on health. But a secondary crisis unfolds almost instantly: a financial one. The £3.5 million+ figure represents the potential lifetime financial impact on a 40-year-old higher-rate taxpayer earning £65,000 per year who is forced to stop working permanently due to a stress-induced critical illness.
Let's break down this catastrophic number. It's far more than just lost salary.
| Financial Impact Component | Calculation & Assumptions | Estimated Lifetime Cost |
|---|---|---|
| Lost Gross Income | £65,000/year for 27 years (age 40 to 67) with no future pay rises | £1,755,000 |
| Lost Pension Contributions | Lost 5% employee & 3% employer contributions on £65k salary, compounded at 5% for 27 years | £845,000 |
| Private Medical Costs | Uninsured costs: specialist consultations, therapies, experimental treatments, ongoing medication | £150,000 |
| Home & Lifestyle Adaptations | Home modifications (e.g., stairlift), accessible vehicle, specialist equipment | £75,000 |
| Ongoing Care Costs | Domiciliary care, physiotherapy, psychological support over 20+ years | £500,000 |
| Lost Partner's Income | Partner reduces work by 50% for 5 years to provide care (on £40k salary) | £100,000 |
| Loss of State Pension | Reduced National Insurance contributions impacting full state pension entitlement | £50,000 |
| Total Estimated Financial Impact | (Excluding inflation and lost investment growth) | £3,475,000 |
This table illustrates a terrifying reality. Even with a supportive family, the financial foundations of your life can be completely obliterated.
A Real-Life Scenario: Meet David
David was a 45-year-old architect, a husband and father of two, earning £70,000 a year. He thrived on the pressure of his job until he didn't. A combination of impossible project deadlines and worries about his ageing parents led to chronic insomnia and anxiety.
One Tuesday morning, on his way to a client meeting, he suffered a massive stroke.
He survived, but with significant left-sided paralysis and cognitive impairment. His career was over in an instant. The family's income was halved. His wife had to quit her part-time job to become his full-time carer. Their state-of-the-art home, once a symbol of their success, became a prison of inaccessible rooms. Their savings, earmarked for university fees and retirement, were vaporised within two years on private physiotherapy and home modifications. They had to downsize, moving their children away from their friends and school.
David didn't have critical illness or income protection cover. He thought his 'death in service' benefit from work and his private medical insurance were enough. He was wrong. The financial shockwave from his health crisis destroyed not just his future, but the future he had planned for his family.
Your Invisible Armour: How LCIIP Insurance Forms a Financial Shield
You cannot insure your health. But you can—and absolutely must—insure your finances against the consequences of ill health. This is the fundamental role of Life, Critical Illness, and Income Protection (LCIIP) insurance. It's the invisible armour that protects your financial life when your physical or mental health fails.
Think of them as three distinct layers of a comprehensive defence system.
| Insurance Type | What is it? | How does it pay out? | What does it protect? |
|---|---|---|---|
| Life Insurance | A policy that pays out on your death or diagnosis of a terminal illness. | A tax-free lump sum to your beneficiaries. | Your family's future, the mortgage, debts, and funeral costs. |
| Critical Illness Cover | A policy that pays out on the diagnosis of a specific, serious illness defined in the policy. | A tax-free lump sum directly to you. | Your lifestyle during recovery. Clears debts, funds treatment, reduces stress. |
| Income Protection | A policy that replaces a portion of your monthly income if you can't work due to any illness or injury. | A regular, tax-free monthly income until you recover or retire. | Your day-to-day bills. It's the bedrock that keeps your household running. |
Life Insurance is the final safety net for your loved ones. It ensures that in the worst-case scenario, your mortgage is paid off and your family has the financial resources to continue their lives without facing poverty.
Critical Illness Cover (CIC) is the crisis fund. It’s designed to deal with the immediate financial shock of a diagnosis like cancer, a heart attack, or a stroke. The lump sum gives you freedom and options. You could clear your mortgage, freeing up hundreds or thousands of pounds a month. You could pay for private treatment, access specialist rehabilitation, or simply take a year off work to focus 100% on your recovery without financial worry.
Income Protection (IP) is, for many working people, the single most important financial product they can own. While CIC deals with the shock, IP deals with the long, grinding reality of being unable to earn a living. It pays your bills. It covers the mortgage, the groceries, the utilities, the car payments. It prevents you from having to rely on the meagre state benefits (£84.80 per week for Employment and Support Allowance in 2025/26), which are simply not enough to live on.
Crucially, income protection covers you for any medical reason that stops you from working, as long as it's signed off by a doctor. This includes the most common reasons for long-term absence: mental health conditions like stress and depression, and musculoskeletal issues like back pain.
Demystifying the Details: A Closer Look at Critical Illness and Income Protection
The effectiveness of your armour depends on its quality. Not all policies are created equal, which is why understanding the details—or working with an expert who does—is paramount.
Critical Illness Cover: The Devil is in the Definition
When choosing CIC, it’s not just about the price. You need to look at:
- Conditions Covered: Basic policies might cover 30-40 conditions. Comprehensive policies from leading insurers like Aviva, Legal & General, and Zurich can cover over 100 conditions, including additional payments for less severe illnesses.
- Definitions: The policy wording is crucial. For a heart attack or cancer diagnosis, for example, the definition must meet a certain severity to trigger a payout. Most insurers now adhere to the Association of British Insurers (ABI) standard definitions, but some offer enhanced, more generous definitions.
- Additional Benefits: Many policies now include valuable extras at no extra cost, such as children's critical illness cover, access to virtual GP services (24/7 online doctors), and mental health support lines. These 'value-added' benefits can be a lifeline during a stressful time.
Income Protection: The 'Occupation' Clause is Everything
With Income Protection, one detail stands above all others: the definition of incapacity.
- 'Own Occupation' Cover: This is the gold standard. The policy will pay out if you are unable to do your specific job. For a surgeon, a back injury could be career-ending. For an office worker, it may not be. 'Own occupation' cover protects your specialised skills and earning potential. It is the definition we at WeCovr almost always recommend for professionals and skilled workers.
- 'Suited Occupation' Cover: This is less robust. It means the insurer will only pay out if you can't do your own job or any other job you are suited to based on your skills and experience. The insurer could argue that a surgeon who can no longer operate could work as a medical lecturer, and therefore would not pay the claim.
- 'Any Occupation' Cover: This is the weakest definition and should generally be avoided. It will only pay if you are so ill you cannot do any kind of work at all.
Other key considerations for IP are:
- The Deferred Period: This is the waiting period from when you stop working to when the payments start. It can be anything from 1 day to 52 weeks. You should align this with your employer's sick pay arrangements to ensure a seamless transition.
- The Payment Period: This is how long the policy will pay out for. It can be for a fixed term (e.g., 2 or 5 years per claim) or, ideally, a long-term plan that pays out right up until your chosen retirement age (e.g., 67).
Navigating these complexities is where expert advice becomes invaluable. A specialist broker like WeCovr can analyse your specific circumstances—your job, your health, your budget—and search the entire market to find the policy with the right definitions and features to provide a truly watertight financial shield.
The WeCovr Advantage: More Than Just a Policy
In a world of comparison websites and DIY insurance, it's easy to think that buying protection is a simple transaction. But as we've seen, the details matter immensely. Getting it wrong can be as bad as having no cover at all.
This is where we come in. At WeCovr, we are not a comparison engine; we are expert advisors. Our role is to act as your advocate, translating the complex world of insurance into clear, actionable advice tailored to you. We take the time to understand your life, your family, and your financial vulnerabilities.
We then use our expertise and access to every major UK insurer to find the most suitable and competitive solutions. This is especially vital if you have had previous health issues, such as a bout of anxiety or depression. We know which insurers take a more understanding view and can help navigate the application process to secure the best possible terms.
But our commitment to your well-being goes beyond the policy document. We believe in proactive protection. We know that managing physical health is a key defence against the ravages of stress. That's why every WeCovr client receives complimentary access to CalorieHero, our exclusive, AI-powered calorie and nutrition tracking app. It's a small but significant way we can support your health journey, helping you build resilience from the inside out. It's our way of showing that we care about protecting your future, not just insuring it.
Real-World Scenarios: How LCIIP Works in Practice
Let's revisit our case studies, but this time with the right protection in place.
Case Study 1: The Burnout Diagnosis (with Income Protection)
Aisha, a 38-year-old marketing director, is diagnosed with severe burnout and clinical depression. Her GP signs her off work for at least 12 months.
- Her Protection: She has an 'Own Occupation' Income Protection policy for £3,500 a month (60% of her gross salary), with a 13-week deferred period.
- The Outcome: Her company pays her full salary for 13 weeks. On week 14, her IP policy kicks in. Every month, £3,500 of tax-free income lands in her bank account. Her mortgage is paid, the bills are covered, and there is no financial pressure. She can afford to pay for private weekly therapy sessions to accelerate her recovery. She focuses entirely on getting well, knowing her family's financial stability is secure. She returns to work, revitalised, 14 months later.
Case Study 2: The Stress-Induced Heart Attack (with Critical Illness Cover)
Mark, a 52-year-old IT consultant, has a heart attack. He requires surgery and a long recovery.
- His Protection: He has a £200,000 Critical Illness Cover policy taken out ten years prior.
- The Outcome: Upon confirmation of his diagnosis, the insurer pays him a £200,000 tax-free lump sum. Mark uses £120,000 to pay off the remaining balance of his mortgage, instantly freeing up £1,100 a month. He puts £30,000 aside for a less stressful future, perhaps to start his own part-time consultancy. The remaining £50,000 removes all financial worry for him and his wife during his recovery. The psychological relief is immense, which his cardiologist says is a key factor in his successful rehabilitation. He decides to work only three days a week, his quality of life vastly improved, all thanks to that one policy.
These scenarios are not hypotheticals; they are the lived reality for thousands of Britons every year who had the foresight to put their invisible armour in place.
Frequently Asked Questions (FAQ)
Can I get cover if I've already suffered from stress or anxiety?
Yes, it is often still possible. Insurers will want to know the details: when it happened, the severity, any time taken off work, and any treatment received. For mild, historic cases, you may be offered standard rates. For more recent or severe issues, an insurer might place an exclusion on mental health claims or increase the premium. An expert broker is essential here to approach the right insurer for your history.
Isn't this what the state provides?
No. The state safety net is minimal. Employment and Support Allowance (ESA) pays a maximum of £84.80 per week (2025/26 figures) after a lengthy assessment period. This is rarely enough to cover even a mortgage payment, let alone all other household bills. Relying on the state is a direct route to financial hardship.
How much does this type of insurance cost?
The cost is highly individual and depends on your age, health, smoking status, occupation, the amount of cover you need, and the policy term. However, it is often more affordable than people think. For a healthy 35-year-old non-smoker, a comprehensive Income Protection policy providing a £2,000/month benefit until age 67 could cost between £30-£50 per month. A £100,000 Critical Illness policy could be £15-£25 per month. It's a small price to pay for total financial security.
What's the difference between Income Protection and Critical Illness Cover?
They serve different purposes. Critical Illness Cover pays a one-off, large lump sum to help you deal with the financial shock of a specific serious diagnosis. Income Protection pays a regular monthly income to replace your salary and cover ongoing bills if any illness or injury stops you from working. Many financial advisors see Income Protection as the essential foundation, with Critical Illness Cover as a highly valuable addition.
Do insurers actually pay out?
Yes, overwhelmingly so. According to the latest data from the Association of British Insurers (ABI), in 2023, insurers paid out over 97% of all life insurance and critical illness claims, and around 90% of income protection claims. The main reasons for a claim being declined are non-disclosure (not being truthful on the application) or the condition not meeting the policy definition. This is why honesty during the application and understanding the policy terms are so important.
Can my employer's 'death in service' or sick pay replace this?
They are a great start, but rarely a complete solution. 'Death in service' typically pays 2-4x your salary and ends the day you leave the company. A personal life insurance policy is owned by you, goes with you through job changes, and can be placed in trust to avoid inheritance tax. Company sick pay is often limited (e.g., 3-6 months full pay), whereas a personal Income Protection plan can cover you right up to retirement age. Employer benefits are a bonus, not a substitute for personal cover.
Your Final Takeaway: Don't Let Stress Write Your Financial Future
The data is undeniable. The UK's chronic stress epidemic is no longer a future threat; it is a clear and present danger to the health and wealth of millions. The pressures of modern life are creating a generation of hardworking people who are one health crisis away from a financial catastrophe.
While we cannot always control the stressors in our lives, we can exert absolute control over our financial preparedness. You wouldn't drive a car without insurance or own a home without insuring it against fire. Yet, your ability to earn an income is your single most valuable asset, worth millions over your lifetime. Leaving it unprotected in today's high-stress world is a gamble you cannot afford to take.
Life Insurance, Critical Illness Cover, and Income Protection are not expenses; they are critical investments in certainty and peace of mind. They are the invisible armour that allows you to face the pressures of life, knowing that you have a financial fortress protecting you and your loved ones, no matter what comes next.
Don't wait for a diagnosis to become your financial plan. Take the first step towards building your shield today.
Contact our friendly, expert team at WeCovr for a free, no-obligation review of your protection needs. Let us help you secure your financial future, so you can focus on living a healthier, less stressful life.
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!