Empower Your Future: Health & Wealth Security
In a world brimming with ambition and opportunity, the pursuit of personal growth—building a career, raising a family, achieving financial independence—is a journey we all share. Yet, this journey is not without its potential pitfalls. The landscape of our health is shifting, and with it, the very foundation of our financial security. True, unstoppable personal growth isn't just about striving for more; it's about building a fortress around what you already have.
The Ultimate Blueprint for Unstoppable Personal Growth: Why understanding the projected 2025 health realities – including the concerning statistic that 1 in 2 UK adults are now projected to face a cancer diagnosis in their lifetime – demands a proactive strategy of Income Protection, Critical Illness Cover, Family Income Benefit, Life Assurance, and Private Health Insurance, enabling tradespeople, nurses, electricians, and every aspiring individual to truly future-proof their income, dreams, and legacy.
This isn't about fear; it's about empowerment. It's about looking at the data, understanding the risks, and creating a strategic blueprint that ensures a health setback doesn't become a financial catastrophe. Whether you're a self-employed electrician wiring a new home, an NHS nurse providing critical care, a company director steering a business, or a freelancer chasing your passion, your ability to earn an income is your most valuable asset. Protecting it is the single most important investment you can make in your future.
The Uncomfortable Truth: Why 2025 Health Realities Demand Our Attention
To build a secure future, we must first understand the ground on which we stand. The health landscape in the UK is evolving, presenting challenges that impact us all. Ignoring these realities is like sailing without a weather forecast—you might be fine, but you're unprepared for the storm.
The Startling Cancer Statistic
The projection from Cancer Research UK is sobering: one in two people in the UK born after 1960 will be diagnosed with some form of cancer during their lifetime. This isn't a distant, abstract number. It's a reality that will touch half of our families, friends, and colleagues. While medical advancements mean that survival rates are better than ever, a diagnosis still brings immense emotional, physical, and financial strain. Treatment can be long, recovery unpredictable, and the ability to work severely compromised.
Beyond Cancer: A Broader Health Picture
The challenges don't stop with cancer. Several other health trends paint a clear picture of why proactive protection is essential:
- Cardiovascular Disease: Heart and circulatory diseases remain a leading cause of death in the UK, responsible for around one in four of all deaths. Conditions like heart attacks and strokes often strike without warning and can have life-altering consequences.
- Musculoskeletal (MSK) Conditions: According to the NHS, around 1 in 3 adults in England suffer from an MSK condition like back or neck pain. For those in physically demanding jobs—from tradespeople and construction workers to nurses and care assistants—an MSK issue can make work impossible. In 2022, these conditions were the second leading cause of sickness absence in the UK.
- Mental Health: The conversation around mental health has opened up, revealing the scale of the issue. The ONS reports that stress, depression, or anxiety account for a significant portion of all work-related ill health. These conditions can lead to prolonged periods away from work, impacting income and career progression.
- NHS Waiting Times: Our National Health Service is a national treasure, but it is under immense pressure. As of early 2025, waiting lists for routine treatments remain historically high. While emergency care is world-class, the wait for diagnoses, consultations, and elective procedures can stretch for many months, delaying recovery and a return to work.
| Health Challenge | Key Statistic (UK) | Potential Impact on Work |
|---|---|---|
| Cancer | 1 in 2 people will be diagnosed in their lifetime. | Lengthy treatment, recovery time, inability to work. |
| Heart Disease/Stroke | A leading cause of death and disability. | Sudden inability to work, long-term lifestyle changes. |
| MSK Conditions | Affects ~1 in 3 adults in England. | Major cause of sickness absence, especially in manual jobs. |
| Mental Health | A leading cause of work-related ill health. | Prolonged time off, reduced productivity. |
| NHS Waiting Lists | Millions waiting for routine treatment. | Delays in diagnosis and treatment, extending time off work. |
This isn't a picture of doom and gloom. It's a call to action. It highlights the undeniable link between our health and our wealth, and the critical need for a safety net.
The Financial Domino Effect of Ill Health
Imagine you're a self-employed plumber. A serious back injury means you can't work for six months. What happens next? The financial dominos begin to fall.
- Income Stops: Your primary source of income vanishes overnight.
- Bills Keep Coming: The mortgage or rent, council tax, energy bills, and food shopping don't stop.
- Savings Dwindle: You start eating into your hard-earned savings, money that was meant for a house deposit, your children's education, or your retirement.
- Debts Mount: You might have to rely on credit cards or loans to cover daily expenses, creating a new cycle of debt.
- Future Plans Derail: The dream holiday is cancelled. The business expansion is put on hold. The retirement contributions cease.
For those in employment, the situation might seem better, but often only marginally. Statutory Sick Pay (SSP) in the UK is currently £116.75 per week (2024/25 rate), paid for a maximum of 28 weeks. Could your family survive on that? For most, the answer is a resounding no. Many employers offer more generous sick pay schemes, but these are rarely indefinite. It's crucial to check your contract and understand exactly what you're entitled to and for how long.
The financial shock of illness can be devastating, turning a health crisis into a long-term financial struggle. This is where personal protection insurance steps in, acting as a powerful financial firewall.
Your Financial Armoury: A Deep Dive into Personal Protection Insurance
Think of personal protection as a suite of tools, each designed for a specific purpose. You wouldn't use a hammer to saw wood, and you wouldn't use one type of insurance to cover every risk. Understanding what each policy does allows you to build a comprehensive and cost-effective shield tailored to your unique circumstances.
1. Income Protection (IP): The Bedrock of Your Financial Plan
If you could only choose one policy, a strong argument could be made for Income Protection. It's designed to do one thing brilliantly: replace a portion of your monthly income if you are unable to work due to any illness or injury.
- How it Works: You receive a regular, tax-free monthly payment until you can return to work, reach retirement age, or the policy term ends—whichever comes first.
- Key Features to Understand:
- Benefit Amount: You can typically cover 50-70% of your gross monthly income. This ensures you have an incentive to return to work while still providing a substantial safety net.
- Deferred Period: This is the waiting period between when you stop working and when the payments begin. It can range from 4 weeks to 52 weeks. The longer the deferred period you choose, the lower your premium will be. You can align it with your employer's sick pay scheme or your savings buffer.
- Definition of Incapacity: This is crucial. The best policies use an 'Own Occupation' definition. This means the policy will pay out if you are unable to perform your specific job. Other definitions, like 'Suited Occupation' or 'Any Occupation', are less comprehensive and may not pay out if the insurer believes you could do a different job.
- Who Needs It Most? Everyone who earns an income. It is especially vital for:
- The Self-Employed & Freelancers: You have no employer sick pay to fall back on. IP is your personal sick pay scheme.
- Tradespeople (Electricians, Plumbers, Builders): Your work is physical, and an injury can instantly halt your income.
- Nurses & Healthcare Professionals: While the NHS has a reasonable sick pay scheme, it's not indefinite. IP can provide long-term security.
- Anyone with limited savings or significant financial commitments.
| Feature | Statutory Sick Pay (SSP) | Income Protection (IP) |
|---|---|---|
| Payment | £116.75 per week (fixed) | 50-70% of your gross salary |
| Duration | Max 28 weeks | Can be until retirement age |
| Coverage | Only if you're an employee | Covers employees & self-employed |
| Flexibility | None | You choose benefit, deferred period |
2. Critical Illness Cover (CIC): A Lump Sum When You Need It Most
While Income Protection deals with the loss of income, Critical Illness Cover is designed to tackle the immediate financial impact of a serious diagnosis.
- How it Works: It pays out a tax-free lump sum if you are diagnosed with one of a specific list of serious medical conditions defined in the policy.
- What it Covers: The 'big three'—cancer, heart attack, and stroke—are typically covered as standard. However, comprehensive policies can cover over 50, and sometimes over 100, different conditions, including multiple sclerosis, major organ transplant, and Parkinson's disease. It is vital to check the policy wording and key features document to understand exactly what is and isn't covered.
- How the Lump Sum Can Be Used: The money is yours to use as you see fit. People often use it to:
- Clear a mortgage or other debts, reducing monthly outgoings.
- Pay for specialist medical treatment or consultations not available on the NHS.
- Fund adaptations to their home (e.g., a wheelchair ramp or wet room).
- Cover day-to-day living costs while they focus on recovery.
- Allow a partner to take time off work to provide care.
A CIC payout can provide invaluable breathing space, removing financial stress at a time when all your energy needs to be focused on getting better.
3. Life Assurance (or Life Insurance): Securing Your Legacy
Life Assurance is perhaps the most well-known type of protection. Its purpose is simple but profound: to provide a financial cushion for your loved ones if you are no longer around.
- How it Works: It pays out a lump sum on your death. This money can help your family maintain their standard of living, pay off the mortgage, cover funeral costs, and fund future goals like university fees.
- Main Types of Life Assurance:
- Level Term Assurance: You choose a lump sum amount and a policy term (e.g., £250,000 over 25 years). The payout amount remains the same throughout the term. This is ideal for covering an interest-only mortgage or providing a general family safety net.
- Decreasing Term Assurance: The potential payout decreases over the term of the policy, usually in line with a repayment mortgage. Because the level of cover reduces over time, premiums are typically lower than for level term assurance.
- Whole of Life Assurance: As the name suggests, this policy is guaranteed to pay out whenever you die, as long as you keep up with the premiums. It's often used for covering a future Inheritance Tax (IHT) bill or leaving a guaranteed legacy.
Writing your life assurance policy 'in trust' is a simple but powerful step. It means the payout goes directly to your chosen beneficiaries, bypassing your estate. This makes the payment much faster and usually means it is not subject to Inheritance Tax.
4. Family Income Benefit (FIB): A Different Way to Protect Your Loved Ones
Family Income Benefit is a clever and often more affordable alternative to traditional lump-sum life insurance.
- How it Works: Instead of a single large payout on death, FIB provides a series of regular, tax-free monthly or annual payments to your family. These payments continue from the date of the claim until the end of the policy term.
- Why It's a Great Option: Many families find managing a large lump sum daunting. A regular income stream makes budgeting much easier, replacing the lost monthly salary in a more manageable way. For example, you could set up a policy to pay out £2,000 a month until your youngest child turns 21. Because the insurer's total potential liability decreases each year, FIB is often significantly cheaper than an equivalent level term policy.
5. Private Health Insurance (PHI): Bypassing the Queues
Also known as Private Medical Insurance (PMI), this policy is not about replacing your income but about speeding up your access to healthcare.
- How it Works: PHI covers the costs of private medical care, from diagnosis to treatment, for acute conditions (illnesses that are likely to respond to treatment).
- Key Benefits in 2025:
- Speed: Bypass long NHS waiting lists for consultations, scans (MRI, CT), and non-emergency surgery.
- Choice: Select your specialist or consultant and choose a hospital that is convenient for you.
- Comfort: Benefit from a private room, more flexible visiting hours, and other amenities that can make a hospital stay more comfortable.
- Access to New Treatments: Some policies provide access to drugs or treatments not yet available on the NHS.
PHI can be the difference between getting a diagnosis and treatment in a matter of weeks versus waiting many months, or even years. For a business owner or self-employed individual, this speed can mean getting back to work and earning again much faster.
Specialised Protection for Business Owners & Directors
If you run your own business, your personal and professional finances are intrinsically linked. A health crisis affecting you or a key colleague can jeopardise the entire company. Fortunately, there are tax-efficient ways to protect your business.
- Key Person Insurance: This is a life assurance or critical illness policy taken out by the business on a crucial employee (the 'key person'), whose death or serious illness would result in a significant financial loss for the company. The payout goes to the business to help cover lost profits, recruit a replacement, or repay business loans.
- Executive Income Protection: This is an Income Protection policy that is paid for by the business on behalf of a director or employee. The premiums are typically an allowable business expense, making it highly tax-efficient. If the employee needs to claim, the benefit is paid to the company, which then pays it to the employee via PAYE.
- Relevant Life Cover: This is a company-paid death-in-service benefit for an individual employee or director. Like Executive IP, the premiums are usually an allowable business expense and it's not treated as a P11D benefit-in-kind. The payout is made tax-free to the employee's family via a trust.
| Business Protection | What It Does | Who It's For | Tax Treatment |
|---|---|---|---|
| Key Person | Provides a lump sum to the business if a key employee dies/gets critically ill. | Businesses reliant on specific individuals. | Premiums may be an allowable expense. |
| Executive IP | Provides a regular income to an employee via the business. | Directors and valued employees. | Premiums are typically an allowable expense. |
| Relevant Life | Provides a tax-free lump sum to an employee's family on death. | Directors and employees of small businesses. | Premiums are typically an allowable expense. |
Exploring these options with a financial adviser can add a powerful layer of security not just for your family, but for the business you've worked so hard to build.
Beyond Insurance: A Holistic Approach to Health and Wealth
While insurance provides a crucial financial safety net, the ultimate goal is to live a long, healthy, and prosperous life. A proactive approach to your own wellbeing is the first line of defence. Small, consistent lifestyle improvements can have a dramatic impact on your long-term health, potentially reducing your risk of developing the very conditions you're insuring against.
Think of it as a four-pillared approach:
- Nourishment & Diet: A balanced diet rich in fruit, vegetables, lean protein, and whole grains is fundamental. It's not about restriction, but about fuelling your body and mind effectively. Understanding your calorie intake and nutritional balance is a great first step. At WeCovr, we believe in supporting our clients' holistic wellbeing, which is why we provide complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to all our protection customers. It's a simple way to empower you to make healthier choices every day.
- Movement & Activity: The NHS recommends at least 150 minutes of moderate-intensity activity (like brisk walking or cycling) or 75 minutes of vigorous-intensity activity (like running or swimming) a week, plus strength exercises on two or more days. Regular exercise is proven to reduce the risk of major illnesses like heart disease, stroke, type 2 diabetes, and cancer by up to 50%.
- Rest & Sleep: Sleep is not a luxury; it's a biological necessity. Consistently good quality sleep is vital for cognitive function, emotional regulation, and physical repair. Aim for 7-9 hours per night to allow your body and mind to fully recharge.
- Mental Wellbeing: In our always-on world, managing stress is paramount. Chronic stress can contribute to a host of health problems. Incorporate stress-management techniques into your routine, whether it's mindfulness, meditation, yoga, spending time in nature, or simply connecting with friends and family. Don't be afraid to seek professional help if you're struggling.
Building Your Personalised Blueprint: How to Take Action
Understanding the risks and the solutions is the first step. The next is to create a personal plan.
Step 1: Conduct a Financial Health Check Take a clear-eyed look at your situation.
- Income: What is your monthly take-home pay?
- Outgoings: What are your essential monthly costs (mortgage/rent, bills, food, travel)?
- Dependents: Who relies on you financially? Your partner, children, or perhaps ageing parents?
- Debts: What do you owe on your mortgage, car loans, or credit cards?
- Savings & Cover: How much do you have in savings? What employee benefits (sick pay, death-in-service) do you already have?
Step 2: Assess Your Personal Risks Consider your unique circumstances.
- Occupation: Is your job physically demanding? Stressful?
- Lifestyle: Do you have any health concerns? What is your family's medical history?
- Priorities: What are you most worried about protecting? Is it your income, paying off the mortgage, or leaving a legacy?
Step 3: Seek Expert, Independent Advice The world of protection insurance can be complex. The definitions, terms, and application processes vary between insurers. Making a mistake can be costly, and trying to navigate it alone can be overwhelming.
This is where working with an expert, independent broker like us at WeCovr becomes invaluable. We don't work for one single insurance company; we work for you. Our role is to:
- Understand You: We take the time to learn about your life, your goals, and your concerns.
- Scan the Market: We use our expertise and technology to compare policies and premiums from all the UK's leading insurers.
- Provide Clarity: We explain the options in plain English, cutting through the jargon to help you understand the pros and cons of each policy.
- Tailor a Solution: We help you build a personalised protection blueprint that provides robust cover at a price you can afford.
- Manage the Process: We handle the application process for you, making it as smooth and simple as possible.
Empowering your future starts today. By acknowledging the realities of health in the 21st century and taking proactive steps to build a financial fortress, you are not just buying an insurance policy. You are buying peace of mind. You are securing your ability to dream, to grow, and to provide for those you love, no matter what life throws your way. You are creating the ultimate blueprint for unstoppable personal and financial growth.
What is the difference between Income Protection and Critical Illness Cover?
They serve different purposes and are often held together. Income Protection (IP) pays a regular monthly income if you can't work due to *any* illness or injury. It's designed to replace your salary over the long term. Critical Illness Cover (CIC) pays a one-off, tax-free lump sum if you are diagnosed with a *specific* serious illness listed in the policy. It's designed to deal with the immediate financial shock of a diagnosis, such as clearing debts or funding treatment.
I'm self-employed. Is protection insurance more important for me?
Yes, arguably it is even more critical. As a self-employed individual, freelancer, or contractor, you have no access to employer-provided sick pay or death-in-service benefits. If you can't work, your income stops immediately. Income Protection acts as your own sick pay scheme, while Life Insurance and Critical Illness Cover provide a safety net for you and your family that an employer would otherwise sometimes provide.
Can I get cover if I have a pre-existing medical condition?
Yes, it is often still possible. You must declare any pre-existing conditions during your application. The insurer will then assess the risk. Depending on the condition, they may offer cover on standard terms, apply an exclusion for that specific condition, or increase the premium. In some cases, they may decline cover, but it's always worth exploring your options with an expert broker who knows the market and different insurers' underwriting stances.
How much cover do I actually need?
The amount of cover you need is unique to your circumstances. For Life Insurance, a common rule of thumb is to cover 10 times your annual salary or to calculate enough to clear your mortgage and other debts, plus provide a fund for your family's future living costs. For Income Protection, you can cover 50-70% of your gross income. A financial adviser can help you conduct a detailed needs analysis to arrive at a figure that is right for you.
Isn't this type of insurance very expensive?
The cost of cover depends on several factors: your age, your health and lifestyle (e.g., whether you smoke), your occupation, the type of cover, the amount of cover, and the policy term. It is often more affordable than people think. For example, a healthy 30-year-old could secure significant life cover for the price of a few cups of coffee a week. A broker can help you find the most competitive premiums for the cover you need and tailor policies to fit your budget.
What does 'writing a policy in trust' mean?
Writing a life insurance policy 'in trust' is a simple legal arrangement that separates the policy from your estate. It means that if you die, the insurance payout goes directly to your nominated beneficiaries (the trustees manage it for them) rather than into your estate. The key benefits are that the payment is much faster (it avoids the lengthy probate process) and the lump sum is typically not considered part of your estate for Inheritance Tax purposes, meaning your loved ones receive the full amount.
Related guides
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!
There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!
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!