Critical Illness Navigator
A lump sum from a critical illness policy can provide vital financial security. Answer the questions below to build a summary of your needs.
Whose life do you wish to insure?
Critical illness navigator guide for UK families
WeCovr's critical illness navigator helps UK families step through coverage choices, using indicative information prepared by WeCovr, an FCA-authorised insurance broking firm. WeCovr has arranged over 900,000 policies across multiple classes of insurance. It builds a tailored summary to guide your next steps.
What the critical illness navigator does
The navigator guides you through policy goals, debts, and cover preferences to generate an indicative lump-sum amount. It is designed for clarity and decision support, not underwriting.
The summary helps you compare options before requesting formal quotes.
Step-by-step prompts for cover planning.
Summarises your suggested lump sum.
Supports a clearer quote request.
Why a structured approach helps
Critical illness cover decisions are complex. A structured approach helps you align cover with debts, family needs, and desired term length.
Why WeCovr is trusted for protection planning
WeCovr is an FCA-authorised insurance broking firm and has high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance.
Data sources and guidance references
This guide references public insurer product materials and general UK protection market structures for context.
Navigator outcomes compared
| Approach | Time | Detail level | Best for |
|---|---|---|---|
| Quick estimate | Minutes | Low | Initial exploration |
| Navigator summary | 10-15 minutes | Medium | Structured planning |
| Full advice | Longer | High | Final decision |
Related WeCovr resources
FAQs
Is the navigator summary a guaranteed quote?
No. It is an indicative summary to guide your next steps. Final quotes depend on underwriting.
How long does the navigator take?
Most users complete it in about 10 to 15 minutes.
Can I change the summary inputs later?
Yes. You can retake the navigator and adjust your answers to see different outcomes.
Does this replace professional advice?
No. It supports planning, but professional advice is recommended for final decisions.
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