Do You Need Whole of Life Insurance in the UK
Life insurance is one of the cornerstones of sound financial planning. It’s a subject that many of us prefer to put off, yet its value in protecting the people we care about most is undeniable. When you delve into the world of life cover, you'll quickly encounter two main paths: Term Insurance and Whole of Life Insurance.
Term insurance is straightforward: it covers you for a fixed period. But what if you’re looking for a guarantee? A promise that, no matter when you pass away, your loved ones will receive a financial payout? This is where Whole of Life insurance enters the conversation.
It’s a powerful, permanent solution, but it’s not for everyone. It’s more complex and typically more expensive than term cover, leading to a crucial question for many UK families, business owners, and retirees: is it truly necessary?
WeCovr explains when lifetime cover is worth it and which providers excel
As expert brokers in the UK protection market, we at WeCovr specialise in demystifying products like Whole of Life insurance. Our goal is to provide you with the clarity needed to make an informed decision. This comprehensive guide will walk you through everything you need to know.
We will explore precisely what Whole of Life cover is, who it’s designed for, and the specific scenarios where it proves invaluable. We’ll also break down the different types available, compare the UK’s leading providers, and discuss the costs involved, so you can determine if it's the right choice for your long-term financial strategy.
What is Whole of Life Insurance?
In simple terms, Whole of Life insurance is a type of life insurance policy that guarantees to pay out a lump sum when you die, whenever that may be. Unlike term insurance, which only pays out if you die within a specified period (the 'term'), this policy has no expiry date.
As long as you continue to pay your monthly or annual premiums, your beneficiaries are certain to receive the payout. This certainty is the product's core feature.
Think of it like this:
- Term Life Insurance is like renting protection. You have cover for a set period, for example, the 25 years you're paying off your mortgage. If you outlive the term, the policy ends, and there's no payout.
- Whole of Life Insurance is like buying a permanent financial asset for your estate. You own the cover for your entire life, and the payout is a matter of 'when', not 'if'.
Because the insurer knows it will have to pay out eventually, the premiums for Whole of Life cover are significantly higher than for term insurance for the same level of cover. You are paying for a guarantee.
Whole of Life vs. Term Life Insurance: A Head-to-Head Comparison
Understanding the fundamental differences between these two products is the first step in deciding which, if any, is right for you. While both provide a cash lump sum upon death, their purpose, structure, and cost are worlds apart.
Here’s a clear comparison of their key features:
| Feature | Whole of Life Insurance | Term Life Insurance |
|---|---|---|
| Policy Duration | Covers you for your entire life (premiums must be maintained). | Covers you for a fixed period (e.g. 10, 20, or 30 years). |
| Payout Guarantee | Guaranteed payout whenever death occurs. | Pays out only if death occurs within the policy term. |
| Premium Cost | Higher, as cover is lifelong. | More affordable and budget-friendly. |
| Primary Purpose | Inheritance tax planning, leaving a guaranteed legacy, or covering funeral costs. | Covering mortgages and other debts, protecting families while children are financially dependent. |
| Cash Value | Modern UK policies are pure protection and have no cash-in value. | No cash value — if the term ends, the policy simply expires. |
| Ideal Candidate | Those wanting to leave a fixed inheritance or plan for estate liabilities. | Families with mortgages, parents of young children, or business owners covering loans. |
The choice isn't about which is "better" in a general sense, but which is better suited to your specific financial goals and circumstances. For most UK families, the primary need is to replace a lost income or clear a mortgage if a parent dies unexpectedly. In these cases, affordable term insurance is often the most logical and efficient solution.
However, for a distinct set of financial planning needs, Whole of Life insurance is not just a good idea—it's essential.
When is Whole of Life Insurance a Smart Financial Move?
Whole of Life cover shines in situations where a guaranteed cash sum is needed at an unknown point in the future. Here are the four most common scenarios where it provides unparalleled value.
1. Covering an Inheritance Tax (IHT) Bill
This is arguably the most common and compelling reason to take out Whole of Life insurance in the UK.
Inheritance Tax is a tax on the estate of someone who has passed away. In the 2025/2026 tax year, the rules are:
- Nil-Rate Band (NRB): The first £325,000 of your estate is tax-free.
- Residence Nil-Rate Band (RNRB): An additional £175,000 is available if you pass your main residence down to direct descendants (children or grandchildren).
- Tax Rate: Anything above these thresholds is typically taxed at a hefty 40%.
For many, especially in regions with high property values like London and the South East, their estate can easily exceed these limits. An IHT bill can run into tens or even hundreds of thousands of pounds, forcing beneficiaries to sell assets, including the family home, just to pay the tax.
How Whole of Life Insurance Solves This:
A Whole of Life policy can be taken out for a sum assured that matches your estimated IHT liability. The crucial step is to write the policy 'in trust'. This legally separates the policy payout from your estate.
When you die, the insurance payout goes directly to the trust beneficiaries, who can then use the tax-free cash to pay the IHT bill. This leaves the rest of your estate intact for them to inherit as you intended.
Example: Margaret, a widow, has an estate worth £800,000, including her home. Her total tax-free allowance is £500,000 (£325k NRB + £175k RNRB).
- Taxable Estate: £800,000 - £500,000 = £300,000
- Potential IHT Bill: 40% of £300,000 = £120,000 Margaret takes out a Whole of Life policy for £120,000 and places it in trust for her children. When she passes away, her children receive the £120,000 payout quickly and tax-free, use it to pay HMRC, and inherit the entire £800,000 estate without having to sell any assets.
2. Leaving a Guaranteed Legacy
Perhaps you want to ensure a specific amount of money reaches your children, grandchildren, or a chosen charity, no matter what happens to your other investments or assets.
Term insurance is unsuitable for this, as you will likely outlive the policy. Savings and investments can fluctuate in value and may be depleted by care costs in later life.
A Whole of Life policy provides a cast-iron guarantee. By paying the premiums, you are effectively creating a tax-free lump sum that will be delivered to your chosen beneficiaries upon your death, fulfilling your wish to leave a lasting gift. This is particularly popular for funding grandchildren's university fees or a house deposit.
3. Funding Funeral Costs
The cost of a funeral in the UK continues to rise. According to the 2024 SunLife Cost of Dying report, the average cost of a basic funeral now stands at £4,141, with the total cost of dying (including professional fees and a send-off) reaching £9,658.
This can be an unexpected and significant expense for a grieving family to bear. A smaller Whole of Life policy, often referred to as an 'Over 50s Plan', can be a simple way to cover these final expenses. These plans typically offer guaranteed acceptance with no medical questions for UK residents aged 50-80, making them accessible even for those with health conditions. The payout is fixed and can be used to pay the funeral director directly, providing both financial help and peace of mind.
4. Supporting a Dependant with a Lifelong Need
For parents or guardians of a child with a severe disability or medical condition, the future can be a source of constant worry. If the child will require financial support and care for their entire life, what happens when you are no longer around to provide it?
A Whole of Life policy, held in a specialist trust, can provide the necessary capital to fund their ongoing care, accommodation, and living expenses long after you're gone. This ensures their quality of life is protected, providing a level of security that other financial products cannot match.
Understanding the Different Types of Whole of Life Policies
Not all Whole of Life policies are created equal. The type you choose will have a significant impact on your premiums and the certainty of the plan. The main options in the UK are:
| Policy Type | Premiums | Sum Assured (Payout) | Best For... |
|---|---|---|---|
| Balanced / Guaranteed Cover | Fixed for life. They never change. | Guaranteed and fixed from the start. | Those who value certainty and want to budget for the long term (e.g., for IHT planning). |
| Maximum / Reviewable Cover | Start lower but are reviewed periodically (e.g., every 5-10 years) and will likely increase. | Can be linked to the performance of an investment fund, or the premium increases maintain the cover level. | Younger individuals with lower initial budgets who expect their income to rise significantly. Carries risk. |
| Over 50s Plan | Fixed for life (or until a certain age, e.g., 90). | Guaranteed but usually smaller amounts (e.g., up to £20,000). | Covering funeral costs, especially for those with health issues, as acceptance is guaranteed. |
Our Expert View on Reviewable Premiums:
While Maximum Cover with reviewable premiums may seem tempting due to the lower initial cost, we at WeCovr advise extreme caution. The premium increases at review points, which are based on your age at that time, can be substantial. In later life, when your income may be fixed, these rising costs can become unaffordable. If you then have to cancel the policy, you lose all the money you've paid in and are left with no cover. For the majority of people, the predictability of a Guaranteed (Balanced) Premium policy is a far safer and more prudent choice.
The Crucial Role of 'Writing Your Policy in Trust'
We've mentioned this already, but it's so important it deserves its own section. Writing your Whole of Life policy in trust is one of the single most important things you can do in estate planning.
What is a Trust?
A trust is a simple legal arrangement that makes the life insurance policy a separate entity from your estate. You (the settlor) place the policy into the trust, and you appoint trustees (people you trust, often your adult children or a solicitor) to manage it. You also name the beneficiaries (the people you want to receive the money).
Why is it so important?
- It Avoids Inheritance Tax: Because the policy is no longer legally part of your estate, the payout is not included in the IHT calculation. This is the key to using the policy to pay the tax bill, not add to it.
- It Bypasses Probate: Probate is the legal process of validating a will and distributing the estate. It can take many months, sometimes even years. A policy in trust is not subject to probate. The trustees can access the insurance payout much faster—often within a few weeks of the death certificate being issued. This provides your family with cash exactly when they need it most.
- It Gives You Control: The trust deed specifies exactly who should benefit from the policy. This avoids any ambiguity and ensures the money goes to the right people, according to your wishes.
Most insurers provide standard trust forms free of charge, and the process is relatively straightforward. At WeCovr, we consider this a non-negotiable part of the process for relevant policies and guide all our clients through completing the forms correctly.
Who are the Leading Whole of Life Insurance Providers in the UK?
The UK market is home to a number of highly-rated, financially strong insurers. The "best" provider for you will depend on your age, health, the amount of cover you need, and the specific features you value. As impartial brokers, we compare the whole market to find the optimal fit.
Here’s a snapshot of some of the leading players and what they're known for:
| Provider | Key Features | Best For... | WeCovr's Expert Take |
|---|---|---|---|
| Legal & General | Strong brand recognition, flexible options, excellent service. Offer both guaranteed and reviewable premium options. | A trusted, all-round choice, particularly for straightforward Inheritance Tax planning. | A go-to provider for reliability and robust cover. Their trust services are well-regarded and easy to use. |
| Aviva | One of the UK's largest insurers. Comprehensive policy features and strong claims payment record. | Clients who value a household name and a financially strong company with a wide range of products. | A solid, dependable option. Their application process is smooth, and they have a good reputation for customer support. |
| Royal London | A mutual company (owned by its members, not shareholders). Consistently wins awards for service and claims handling. | Individuals who prefer an ethical, customer-focused approach and value an outstanding claims reputation. | Royal London's mutual status often translates into excellent customer service. They are a top contender, especially for service-conscious clients. |
| AIG Life | Known for competitive pricing, especially on larger sums assured. Offer a unique approach to trusts and underwriting. | High-net-worth individuals, business owners, and those with more complex estate planning needs. | AIG can be exceptionally competitive for larger policies. Their 'Smart Health' service offers excellent added-value benefits. |
| Vitality | Unique model that rewards healthy living with reduced premiums and other perks. Cover is linked to an activity and health tracking programme. | Health-conscious individuals who are motivated to engage with the wellness programme to actively manage their premiums. | A fantastic option for those who are fit and active. The potential to keep premiums low is a powerful incentive, but it requires ongoing engagement. |
The Cost of Whole of Life Insurance: What Influences Your Premiums?
The price you pay for Whole of Life insurance is highly personal and is based on the level of risk the insurer believes it is taking on. The main factors that determine your premium are:
- Your Age: The younger and healthier you are when you take out the policy, the cheaper your fixed premiums will be for life.
- Your Health: The insurer will ask detailed questions about your medical history, including any pre-existing conditions like diabetes or heart disease.
- Your Family's Medical History: A history of hereditary conditions like certain cancers or heart disease in close relatives can impact your premium.
- Your Lifestyle: Insurers will ask about smoking, vaping, alcohol consumption, and any high-risk hobbies (e.g., mountaineering, motorsports). Smokers can expect to pay almost double the premium of a non-smoker.
- The Sum Assured: The higher the payout you want, the higher the premium.
- The Policy Type: Guaranteed (Balanced) premiums will be higher initially than Reviewable (Maximum) premiums.
To give you an idea, here are some illustrative monthly premiums for a non-smoker in good health seeking £100,000 of guaranteed Whole of Life cover.
| Age at Application | Estimated Monthly Premium |
|---|---|
| 30 | £75 - £90 |
| 40 | £110 - £135 |
| 50 | £175 - £210 |
| 60 | £290 - £350 |
Disclaimer: These figures are for illustration purposes only and are not a quote. The actual premium you pay will depend on your individual circumstances and the insurer chosen. (Estimates based on market data, January 2025).
The table clearly shows why taking out cover earlier in life is so advantageous. A 30-year-old could secure a policy for life for less than £100 a month, whereas waiting until 60 could more than triple that cost.
Beyond the Payout: Added-Value Benefits and Wellness Programmes
Modern life insurance policies are about more than just a cheque on death. To stay competitive, most leading insurers now include a suite of valuable benefits that you and your family can use from the moment your policy begins, at no extra cost.
These can include:
- 24/7 Virtual GP: Skip the NHS waiting list and speak to a UK-based GP via phone or video call, often within hours. Prescriptions can be sent directly to your local pharmacy.
- Mental Health Support: Access to a set number of confidential counselling and therapy sessions per year for issues like stress, anxiety, or bereavement.
- Second Medical Opinion Service: If you or a family member receive a serious diagnosis, you can have your case reviewed by a world-leading medical expert to confirm the diagnosis and explore treatment options.
- Nutrition and Fitness Plans: Access to personalised diet plans and fitness programmes to help you improve your health.
At WeCovr, we firmly believe that proactive health is as important as reactive protection. That’s why, on top of the insurer's benefits, we provide all our clients with complimentary access to our very own AI-powered calorie and nutrition tracking app, CalorieHero. It’s our way of supporting your long-term health journey. A healthier lifestyle not only improves your quality of life but can also be a key factor in securing lower insurance premiums.
Are There Alternatives to Whole of Life Insurance?
Whole of Life is a specific tool, and it's important to consider the alternatives that might be a better fit for your needs and budget.
- Term Life Insurance: As discussed, this is the ideal solution for covering time-limited liabilities. If your main concern is paying off the mortgage and protecting your children until they are financially independent, term insurance is almost always the more appropriate and affordable choice.
- Family Income Benefit: This is a type of term insurance that pays out a regular, tax-free monthly or annual income rather than a single lump sum. It's designed to replace a lost salary and can feel more manageable for a family trying to budget month-to-month.
- Investing: Some people argue that instead of paying high premiums for Whole of Life cover, you could invest the difference in premiums between a term policy and a whole of life policy. While this can work in theory, it requires discipline, investment expertise, and a tolerance for risk. The value of investments can go down as well as up, and the market could be at a low point when the funds are needed. Insurance provides a guarantee that investing cannot.
Special Considerations for Business Owners and Company Directors
For those running their own business, personal and business finances are often intertwined. Protection insurance is not just a personal matter; it's a critical component of business continuity planning.
- Relevant Life Insurance: This is a highly tax-efficient way for a limited company to provide 'death-in-service' benefits for a director or employee. The company pays the premiums, which are typically an allowable business expense, and there are no P11D benefit-in-kind implications for the individual. The payout goes to the individual's family, tax-free. It's an excellent alternative to a personal life policy for directors.
- Key Person Insurance: This protects the business itself. The policy is taken out on the life of a 'key person'—someone whose death or critical illness would cause a significant financial loss to the company (e.g., a founder, top salesperson, or technical expert). The payout goes to the company to cover lost profits, recruit a replacement, or repay debt.
- Shareholder or Partnership Protection: In a business with multiple owners, what happens if one dies? Their shares will pass to their estate. Do the remaining owners have the funds to buy those shares back? Shareholder Protection uses life insurance policies (either term or whole of life) on each owner to provide the capital for the surviving owners to purchase the deceased's shares from their heirs. This is funded by a cross-option agreement and ensures the business stays in the hands of those running it.
Conclusion: Is Whole of Life Insurance Right for You?
Whole of Life insurance is a premium product designed for specific, long-term financial planning objectives. It is not a replacement for term insurance and is not necessary for every individual.
It is likely to be the right choice if you find yourself in one of these situations:
- Your estate is large enough to be liable for a significant Inheritance Tax bill.
- You want to leave a guaranteed financial legacy of a specific amount to your heirs or a charity.
- You need to provide lifelong financial support for a dependant.
- You need to fund a business succession plan (e.g., a shareholder buyout).
For most other protection needs, such as covering a mortgage or providing for a young family until they are independent, the affordability and suitability of term insurance make it the superior option.
The world of life insurance can be complex, with different products, providers, and features to consider. The best way to determine the right path for your unique circumstances is to seek expert advice.
At WeCovr, we specialise in helping people across the UK find the right protection at the right price. We'll take the time to understand your needs, compare policies from all the UK's leading insurers, and provide a clear, jargon-free recommendation. Contact our friendly team today for a no-obligation chat and a free quote.
Frequently Asked Questions (FAQs)
Is the payout from Whole of Life insurance taxable?
Can I cash in my Whole of Life policy?
What happens if I stop paying my Whole of Life premiums?
Do I need a medical exam to get Whole of Life insurance?
How is Whole of Life different from an Over 50s Plan?
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.
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