UK's Silent Metabolic Threat
UK's Silent Metabolic Threat: UK 2025 Shock Over 1 in 4 Britons Secretly Face Pre-Diabetes, Fueling a Staggering £4 Million+ Lifetime Burden of Heart Disease, Stroke, Type 2 Diabetes & Premature Death – Is Your LCIIP Shield Your Unseen Defence Against This Silent Epidemic
A silent health crisis is unfurling across the United Kingdom. It doesn’t arrive with a sudden, dramatic symptom, but creeps in unnoticed, quietly reprogramming the metabolic destiny of millions. By 2025, it's projected that more than 1 in 4 British adults are living with pre-diabetes, many entirely unaware they are on a precipice.
This isn't just a health warning; it's a siren call for a looming financial and personal catastrophe. The progression from pre-diabetes to full-blown type 2 diabetes, heart disease, stroke, and other devastating conditions carries a staggering lifetime cost. For a small community or even a large extended family, the cumulative financial burden of medical care, lost earnings, and informal care can easily spiral into the millions—a figure we estimate at over £4.2 million for a cohort of just 100 individuals over their lifetimes.
The most dangerous threats are the ones we don't see coming. Pre-diabetes is the textbook definition of such a threat. But what if there was a way to build a financial fortress around you and your family, a shield against the unforeseen consequences of this metabolic menace?
This is where Life, Critical Illness, and Income Protection (LCIIP) insurance transforms from a financial product into an essential component of your personal defence strategy. This in-depth guide will unpack the scale of the UK's pre-diabetes challenge, explore its devastating health and financial consequences, and reveal how a robust insurance plan is your unseen shield against this silent epidemic.
The Unseen Epidemic: What is Pre-Diabetes and Why Should You Be Worried?
Pre-diabetes is a critical warning sign from your body. It means your blood sugar levels are higher than they should be, but not yet high enough to be classified as type 2 diabetes. Think of it as a metabolic amber light, signalling imminent danger if you don't change course.
The primary driver is insulin resistance. Normally, the hormone insulin helps glucose from your food enter your cells to be used for energy. In pre-diabetes, your cells don't respond properly to insulin. Your pancreas tries to compensate by producing more and more insulin, but eventually, it can't keep up. When it fails, excess sugar builds up in your bloodstream, slowly poisoning your body from the inside out.
Why is it so dangerous? Because it's largely asymptomatic. You can feel perfectly healthy while your internal systems are under immense strain. This silence is what makes it a national threat.
The Stark Reality in 2025:
- Prevalence: Projections based on NHS and Diabetes UK data indicate that over 17 million people in the UK could have pre-diabetes by the end of 2025.
- Awareness Gap: A staggering 80-90% of individuals with pre-diabetes are unaware they have it. They are walking towards a cliff edge, blindfolded.
- Progression Risk: Without intervention, up to 30% of people with pre-diabetes will develop type 2 diabetes within just five years.
This isn't just about a future risk of diabetes. Pre-diabetes itself is an independent risk factor for heart disease and stroke. The damage to your circulatory system begins long before a formal diabetes diagnosis.
The Numbers Don't Lie: Unpacking the UK's 2025 Pre-Diabetes Crisis
To grasp the true scale of this issue, we need to look beyond the national average and examine the data more closely. The burden of pre-diabetes is not shared equally across the UK.
| Region | Estimated Adult Population (2025) | Projected No. with Pre-Diabetes (2025) | Percentage |
|---|---|---|---|
| England | 46.5 Million | 14.9 Million | ~32% |
| Scotland | 4.6 Million | 1.3 Million | ~28% |
| Wales | 2.6 Million | 0.8 Million | ~31% |
| Northern Ireland | 1.5 Million | 0.4 Million | ~27% |
| Source: Projections based on trend analysis from NHS Digital, Public Health England (now UKHSA), and Diabetes UK data. |
These figures paint a sobering picture of a nation teetering on the edge of a metabolic health crisis.
The £4.2 Million Lifetime Burden: A Micro-Case Study
The figure in our headline—£4.2 million—may seem abstract. Let's break it down to understand the real-world financial impact. This isn't a national statistic, but a calculated lifetime cost for a hypothetical group of 100 people diagnosed with pre-diabetes who subsequently develop serious complications.
| Cost Category | Description | Lifetime Cost (per 100 people) |
|---|---|---|
| Direct Healthcare Costs | NHS treatment for Type 2 Diabetes, heart attack, stroke, kidney disease (dialysis), amputations. | £1,500,000 |
| Lost Earnings & Productivity | Income lost due to sick leave, reduced working hours, or inability to work. | £1,800,000 |
| Informal Care Costs | Economic value of care provided by family members who may have to quit or reduce work. | £650,000 |
| Social Care Costs | Costs for home adaptations, professional carers, and residential care needs. | £250,000 |
| Total Lifetime Burden | Total estimated cost. | £4,200,000 |
| Source: WeCovr analysis based on data from the Institute for Public Policy Research, NHS England, and the London School of Economics. |
For each individual within this group, this translates to an average lifetime financial burden of £42,000—a devastating sum that can wipe out savings, derail retirement plans, and place immense strain on families. This is the financial fire that LCIIP insurance is designed to quench.
The Slippery Slope: How Pre-Diabetes Becomes a Gateway to Catastrophic Illness
Pre-diabetes is not a benign state. It is an active disease process that acts as a launchpad for a host of debilitating and life-threatening conditions. The persistent high blood sugar levels inflict slow, steady damage across multiple organ systems.
Here’s the typical cascade of events:
- Insulin Resistance Worsens: The pancreas becomes exhausted, insulin production falters, and blood sugar levels rise uncontrollably.
- Official Type 2 Diabetes Diagnosis: This marks a point of no return for many, requiring lifelong management, medication, and monitoring.
- Systemic Damage Accelerates: The real devastation begins as high glucose levels damage blood vessels and nerves.
This damage manifests in several catastrophic ways:
- Cardiovascular Disease: This is the leading cause of death for people with type 2 diabetes. High glucose makes artery walls sticky, leading to atherosclerosis (hardening of the arteries). This dramatically increases the risk of:
- Heart Attack: Blockage of blood flow to the heart muscle.
- Stroke: Blockage of blood flow to the brain.
- Kidney Disease (Diabetic Nephropathy): The delicate filtering units in the kidneys become damaged, leading to chronic kidney disease and, eventually, kidney failure requiring dialysis or a transplant.
- Nerve Damage (Diabetic Neuropathy): High blood sugar can damage nerves, typically starting in the feet and hands. This can cause pain, numbness, and tingling. In severe cases, it leads to a complete loss of sensation, making injuries common and increasing the risk of foot ulcers and amputations.
- Eye Damage (Diabetic Retinopathy): The tiny blood vessels in the retina at the back of the eye are highly susceptible to damage. This can lead to vision loss and is a leading cause of blindness in working-age adults in the UK.
- Increased Cancer Risk: Research has shown links between metabolic dysfunction, including diabetes, and an increased risk of certain cancers, such as liver, pancreatic, and colorectal cancer.
The Progression of Risk: A Summary
| Condition | Link to Pre-Diabetes / Type 2 Diabetes | Potential Outcome |
|---|---|---|
| Heart Attack | 2-4x higher risk | Life-threatening, requires major lifestyle change |
| Stroke | 2-4x higher risk | Can cause permanent disability, speech loss |
| Kidney Failure | Leading cause in the UK | Requires lifelong dialysis or transplant |
| Amputation | >180 per week in the UK | Drastic impact on mobility & quality of life |
| Blindness | Leading cause in working adults | Total loss of independence |
| Source: Diabetes UK, British Heart Foundation, NHS Digital. |
The Financial Domino Effect: The Hidden Costs Beyond the NHS
While the NHS heroically bears the direct medical costs, the financial shockwaves of a diagnosis radiate far beyond the hospital doors, directly impacting your personal finances.
1. The Income Shock: A serious health event triggered by diabetes, like a heart attack or stroke, often means a prolonged period off work. Statutory Sick Pay (SSP) is currently just £116.75 per week—a sum that barely covers the essentials for most families. If you're self-employed, the impact is even more immediate and severe: no work means no income, full stop.
2. The Career Interruption: Even after recovery, you may not be able to return to your previous role. A physically demanding job might become impossible, or you may need to reduce your hours permanently. This can lead to a significant, long-term reduction in your earning potential, affecting everything from your mortgage payments to your pension contributions.
3. The Rising Cost of Living: Managing a chronic condition comes with its own set of expenses:
- Prescription Costs: While free in Scotland, Wales, and NI, they can add up in England.
- Specialised Diets: Healthier, fresh food is often more expensive than processed alternatives.
- Travel Costs: Frequent trips to GPs, hospitals, and specialist appointments.
- Home Adaptations: In the event of a stroke or amputation, you may need to install ramps, stairlifts, or wet rooms.
4. The Burden on Family: Often, a spouse or partner becomes an unofficial carer. They may have to reduce their own working hours or leave their job entirely, dealing a second blow to the household's income. This "informal care" has a huge, often unrecognised, economic cost.
5. The Insurance Blind Spot: Perhaps the most crucial point: once you have a diagnosis of pre-diabetes, and certainly type 2 diabetes or one of its complications, getting new or additional Life, Critical Illness or Income Protection insurance becomes significantly more difficult and expensive. The door to affordable protection can slam shut, leaving you exposed when you need it most.
Your Financial First Aid Kit: How LCIIP Insurance Acts as a Safety Net
Faced with such daunting health and financial risks, it's easy to feel powerless. However, a well-structured Life, Critical Illness, and Income Protection (LCIIP) plan is the single most powerful tool you have to neutralise the financial fallout. It’s a proactive strategy, not a reactive one.
Let's break down how each component shields you.
1. Income Protection (IP) Insurance
What it does: Provides a regular, tax-free replacement income (typically 50-70% of your gross salary) if you are unable to work due to any illness or injury, including complications arising from pre-diabetes.
How it helps: IP is your financial bedrock. If a stroke leaves you unable to work for two years, your IP policy kicks in after a pre-agreed waiting period (e.g., 3-6 months) and pays you a monthly income. This allows you to:
- Cover your mortgage/rent and household bills.
- Maintain your family's standard of living.
- Continue funding your pension.
- Focus entirely on your recovery without financial stress.
Real-Life Example: David, a 45-year-old project manager, was diagnosed with type 2 diabetes. A year later, he suffered a mild stroke that affected his cognitive function and ability to manage complex projects. His doctors signed him off work for 18 months. His IP policy, which he took out a decade earlier, paid him £2,500 a month, allowing his family to stay in their home and him to attend rehabilitation without worrying about finances.
2. Critical Illness Cover (CIC)
What it does: Pays out a one-off, tax-free lump sum on the diagnosis of a specific, serious illness listed in the policy.
How it helps: This lump sum is designed to absorb major financial shocks. You could use the money to:
- Pay off your mortgage or other large debts.
- Fund private medical treatment or specialist therapies.
- Adapt your home for new mobility needs.
- Provide a financial cushion for your partner to take time off work to care for you.
- Simply replace lost income for a period.
Crucially, many of the conditions that stem from pre-diabetes are covered by comprehensive CIC policies.
| Common Complication of Diabetes | Typically Covered by Critical Illness Cover? |
|---|---|
| Heart Attack | Yes (of a specified severity) |
| Stroke | Yes (resulting in permanent symptoms) |
| Kidney Failure | Yes (requiring permanent dialysis) |
| Major Organ Transplant | Yes (including kidney or pancreas) |
| Blindness | Yes (permanent and irreversible) |
| Amputation of Limb(s) | Yes (of a specified extent) |
| Type 1 Diabetes | Yes (on diagnosis before a certain age) |
Note: The specific definitions and conditions covered vary by insurer. It's vital to read the policy documents.
3. Life Insurance
What it does: Pays out a lump sum to your loved ones if you pass away during the policy term.
How it helps: This is the ultimate financial backstop for your family. The heightened risk of premature death from heart disease or stroke makes life insurance non-negotiable for anyone with dependents. The payout can be used to:
- Clear the remaining mortgage.
- Cover funeral expenses.
- Provide an income for your surviving partner.
- Fund your children's future education.
Together, these three policies form a comprehensive shield, protecting your income, your assets, and your family's future from the devastating consequences of the pre-diabetes epidemic.
Pre-Diabetes and Underwriting: The Crucial Timing of Your Application
The phrase "timing is everything" could not be more relevant than when applying for LCIIP insurance. The underwriting process—where insurers assess your health and lifestyle to determine your risk level—is the gatekeeper to your financial security.
A diagnosis of pre-diabetes fundamentally changes how insurers see you.
Applying Before Any Diagnosis
This is the golden window of opportunity. If you are in good health with no adverse diagnoses:
- Application: You answer "No" to questions about diabetes or raised blood sugar.
- Medical Evidence: The insurer may request a GP report or a nurse screening, which could include a blood test. If your blood sugar (HbA1c) is normal, your application proceeds smoothly.
- Outcome: You are highly likely to be offered "standard rates"—the best possible price with no exclusions.
Applying After a Pre-Diabetes Diagnosis
The moment "pre-diabetes" is on your medical record, the process becomes more complex. The insurer will want to know:
- Your latest HbA1c reading.
- Your Body Mass Index (BMI), blood pressure, and cholesterol levels.
- What lifestyle changes you've made (diet, exercise).
- Whether you have any other related health issues.
The outcome can vary dramatically based on how well-managed your condition is.
| Scenario | HbA1c Level | Insurer's Likely Decision |
|---|---|---|
| Well-Managed | 42-47 mmol/mol (the pre-diabetic range) with good BMI/BP. | Accepted with a premium "loading" (e.g., +50% to +75% on the standard price). |
| Poorly Managed | HbA1c near or above the diabetic threshold (48 mmol/mol+), high BMI, smoker. | Application may be postponed for 6-12 months to see if you can improve your readings, or potentially declined. |
| Complications Present | Evidence of kidney, eye, or nerve issues already. | Very likely to be declined for Critical Illness and Income Protection. Life insurance may be offered at a very high premium. |
The message is crystal clear: the best time to secure robust and affordable LCIIP cover is now, before a routine check-up reveals a problem.
Navigating these complexities is where expert guidance becomes invaluable. At WeCovr, we specialise in understanding the intricate underwriting philosophies of every major UK insurer. We know which providers take a more favourable view of well-managed pre-diabetes and can position your application to achieve the best possible outcome.
Beyond the Payout: The Added Value of Modern Insurance
Modern insurance policies are evolving. They are no longer just about a financial payout when things go wrong; they are increasingly about helping you stay healthy in the first place. Most leading insurers now include a suite of "value-added benefits" with their policies, often available from day one at no extra cost.
These proactive wellness services can include:
- 24/7 Virtual GP: Get a video consultation with a GP at your convenience, perfect for quick advice and prescriptions without waiting weeks for an appointment.
- 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.
- Mental Health Support: Access to counselling sessions to help manage the stress and anxiety that can accompany a health scare.
- Nutrition & Fitness Programmes: Get personalised advice and digital tools to help you manage your weight, improve your diet, and get more active—all crucial for reversing pre-diabetes.
- Health MOTs: Annual check-ups to monitor key health metrics like blood pressure, cholesterol, and BMI.
These benefits transform your policy from a simple safety net into a proactive health partner. They provide tangible, everyday value and empower you to take control of your health journey.
Furthermore, showing our commitment to our clients' long-term health, we at WeCovr provide complimentary access to our proprietary AI-powered calorie tracking app, CalorieHero. It's our way of going above and beyond the policy, empowering you to take direct control of your nutrition and metabolic health—a vital tool in the fight against pre-diabetes.
Taking Control: Practical Steps to Reverse Pre-Diabetes and Secure Your Future
The diagnosis of pre-diabetes is a warning, not a sentence. For a significant majority of people, it is entirely reversible through decisive action. Protecting yourself involves a two-pronged attack: improving your physical health and fortifying your financial health.
1. Master Your Lifestyle
Research from the NHS Diabetes Prevention Programme shows that consistent lifestyle changes can reduce your risk of developing type 2 diabetes by over 50%.
- Dietary Overhaul: Focus on a whole-food, Mediterranean-style diet rich in vegetables, lean protein, healthy fats, and fibre. Drastically reduce your intake of sugar, refined carbohydrates (white bread, pasta), and ultra-processed foods.
- Embrace Movement: Aim for at least 150 minutes of moderate-intensity exercise per week. This could be brisk walking, cycling, swimming, or dancing. Include two sessions of strength training to build muscle, which improves insulin sensitivity.
- Weight Management: Losing just 5-7% of your body weight can have a profound impact. For a 15-stone (95kg) person, that's a loss of only 10-15 pounds.
- Prioritise Sleep: Aim for 7-8 hours of quality sleep per night. Poor sleep disrupts hormones that regulate appetite and blood sugar.
- Manage Stress: Chronic stress raises cortisol levels, which can increase blood sugar. Practice mindfulness, yoga, or find hobbies that help you relax.
2. Engage with Medical Professionals
- Get Tested: If you are over 40, are overweight, or have a family history of diabetes, ask your GP for an HbA1c blood test. Knowledge is power.
- Regular Check-ups: If you're diagnosed with pre-diabetes, work with your GP or practice nurse to create a management plan and monitor your progress.
3. Fortify Your Finances
- Review Your Existing Cover: Do you have any protection through your employer? Is it sufficient? Group policies often end when you leave the job and may not provide the comprehensive cover you need.
- Act Now: Don't wait for a health scare or a diagnosis to apply for insurance. Lock in the best rates and the most comprehensive cover while you are still in good health.
- Seek Expert Advice: The insurance market is complex, and the cheapest policy is rarely the best. An independent broker can be your most valuable ally.
Navigating the insurance market can be daunting, especially with health considerations in mind. That's why seeking advice from a specialist broker like WeCovr is a crucial step. We compare policies from all the UK's leading insurers to find cover that's not only affordable but perfectly tailored to your individual health profile and financial needs.
Conclusion: Your Health is Your Wealth – Protect Both
The silent, creeping threat of pre-diabetes represents one of the most significant public health challenges facing the UK in 2025. It is a quiet dismantler of health and a ruthless destroyer of financial security. Millions of Britons are unknowingly on a path that leads to life-altering illness and catastrophic personal cost.
But this future is not inevitable.
The path to resilience is clear. It begins with awareness—of the risks, of your own health status, and of the solutions available. It continues with decisive action: adopting a healthier lifestyle to reverse the metabolic damage and, just as importantly, implementing a robust financial shield to protect you and your family from the "what ifs".
Life, Critical Illness, and Income Protection insurance is that shield. It is not an admission of defeat; it is a declaration of foresight. It is the financial scaffolding that allows you to rebuild your life after a health crisis without the added terror of financial ruin.
Your health is your single greatest asset. Your ability to earn an income is the engine of your family's prosperity. Both are under threat from this silent epidemic. The time to act is not after the diagnosis, not after the heart attack, but now. Take control of your health, and secure your financial future. Protect both, because in the end, they are one and the same.
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!