Future-Proof Growth: The Protection Blueprint
The stark reality of health statistics for 2025 – with around 1 in 2 UK individuals projected to face a cancer diagnosis in their lifetime – demands a radical shift in how we approach personal growth and life improvement. Beyond traditional savings, discover the proactive blueprint for an unshakeable future: how strategic Family Income Benefit, Income Protection, Life and Critical Illness Cover, specialized Personal Sick Pay for high-risk professions like tradespeople, nurses, and electricians, and the legacy power of Gift Inter Vivos, combine with the rapid access and choice of private health insurance, to create a resilient foundation. This isn't just about financial protection; it's about safeguarding your freedom, peace of mind, and the ability to truly thrive and pursue your deepest personal aspirations, no matter what life throws your way.
The pursuit of personal growth is a cornerstone of a fulfilling life. We meticulously plan our careers, save for dream homes, invest in our skills, and map out adventures. Yet, we often overlook the very foundation upon which these aspirations are built: our health and our ability to earn an income.
The statistics are sobering. According to Cancer Research UK, the lifetime risk of being diagnosed with cancer is now estimated at 1 in 2 for people born in the UK after 1960. Beyond this, the British Heart Foundation reports that over 7.6 million people in the UK live with heart and circulatory diseases. These aren't just numbers; they represent millions of individual stories, plans disrupted, and futures thrown into uncertainty.
When a serious illness or injury strikes, the impact is twofold. There is the physical and emotional toll, but there is also a profound financial shockwave. Statutory Sick Pay (SSP) in the UK offers a minimal safety net, but for many, it is simply not enough to cover a mortgage, bills, and daily living costs. Savings can be depleted in a matter of months, and the dream of personal growth is replaced by the struggle for financial survival.
This is where a paradigm shift is needed. True future-proofing isn't just about accumulating wealth; it's about building a resilient financial structure that can withstand life's biggest challenges. This is the Protection Blueprint: a strategic combination of insurance policies designed not just to help you survive, but to empower you to continue thriving. It's about ensuring that a health crisis becomes a temporary hurdle, not a permanent roadblock to your ambitions.
Beyond the Savings Account: Redefining Financial Resilience
For generations, the mantra has been "save for a rainy day." While building a healthy savings pot is undeniably wise, relying on it as your sole defence against a major life event is like taking a dinghy into a hurricane. A serious illness or a long-term inability to work isn't a "rainy day"; it's a prolonged storm that can wash away years of diligent saving.
Consider the dual purpose of your money.
- Growth Capital: This is your savings, your investments, your pension. It's the money you put to work to build wealth, achieve long-term goals like retirement, and fund your aspirations.
- Protection Capital: This is the capital provided by an insurance policy. It's a separate, dedicated fund designed to activate precisely when your ability to earn or manage your life is compromised.
Relying on your Growth Capital to do the job of Protection Capital is a flawed strategy. It means sacrificing your future to pay for the present. The Protection Blueprint works by creating a robust financial firewall, allowing your savings and investments to remain untouched, continuing to grow and work for you while your insurance policies handle the immediate financial crisis.
This table illustrates the fundamental difference in their roles:
| Feature | Savings & Investments (Growth Capital) | Protection Insurance (Protection Capital) |
|---|---|---|
| Primary Purpose | Wealth accumulation, long-term goals | Financial safety net, income replacement |
| Accessibility | Can be accessed anytime (may have penalties) | Pays out upon a specific insured event |
| Scale of Funds | Limited to what you have saved | Provides a large, pre-agreed sum for a small premium |
| Impact of Crisis | Rapidly depleted by a long-term illness | Specifically designed to cover costs during a crisis |
| Best For | Funding goals: retirement, house deposit | Protecting against the unexpected: illness, injury, death |
Building a resilient future means having both. Your insurance is the shield that protects your savings, allowing them to function as the sword that carves out the future you desire.
The Core Pillars of Your Protection Blueprint
A comprehensive Protection Blueprint is not a single product but a tailored suite of covers that work together to create a multi-layered defence. The right mix depends on your personal circumstances – your age, dependents, occupation, and financial commitments.
Income Protection: Your Monthly Salary Safeguard
Often considered the bedrock of any financial plan, Income Protection is arguably the most critical cover for anyone of working age.
What is it? It's a long-term insurance policy that pays you a regular, tax-free monthly income if you are unable to work due to illness or injury. This isn't just for catastrophic events; it covers a vast range of conditions, from back pain and stress to cancer and heart disease, that can keep you off work.
How it works:
- You choose a monthly benefit amount, typically 50-70% of your gross salary.
- You select a "deferred period." This is the time you wait between stopping work and when the payments start. It can range from 4 weeks to 12 months. The longer the deferred period, the lower the premium. You can align this with any sick pay you receive from your employer.
- If you make a successful claim, the policy pays out each month until you can return to work, the policy term ends, or you retire, whichever comes first.
For the UK's millions of self-employed individuals and freelancers, Income Protection is not just important; it's essential. With no employer sick pay to fall back on, it provides the only reliable financial backstop.
Example: Sarah, a 35-year-old freelance project manager, earns £50,000 a year. She is diagnosed with a serious illness that requires a year of treatment and recovery. Her Income Protection policy, with a 4-week deferred period, starts paying her £2,500 a month. This allows her to cover her rent, bills, and living expenses without raiding her business or personal savings, enabling her to focus fully on her recovery.
Life and Critical Illness Cover: The Lump Sum Lifeline
While Income Protection replaces your monthly paycheque, Life and Critical Illness Cover provide substantial lump sums to deal with the immediate and large-scale financial consequences of death or a major health crisis.
Life Insurance: This pays out a cash sum upon your death. Its primary purpose is to protect your dependents from the financial fallout of losing your income. The funds can be used to:
- Pay off the mortgage
- Clear outstanding debts (loans, credit cards)
- Cover future living expenses for your family
- Pay for funeral costs
Critical Illness Cover (CIC): This pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious conditions defined in the policy. The "big three" covered by nearly all policies are cancer, heart attack, and stroke, but modern policies can cover 50+ conditions, including multiple sclerosis, major organ transplant, and Parkinson's disease.
The genius of CIC is that it pays out on diagnosis, not death. This money provides financial breathing room at the most stressful time of your life. It can be used for anything, giving you complete freedom:
- Covering medical costs or specialist treatments
- Adapting your home (e.g., installing a ramp or stairlift)
- Clearing your mortgage so your monthly outgoings are reduced
- Allowing a partner to take time off work to care for you
- Simply replacing lost income while you recover
Many people choose to combine these covers into a single policy.
| Cover Type | What It Does | When It Pays | Purpose of Payout |
|---|---|---|---|
| Income Protection | Replaces monthly income | When you can't work | Covers regular bills & living costs |
| Critical Illness Cover | Pays a one-off lump sum | On diagnosis of a serious illness | Provides immediate financial options |
| Life Insurance | Pays a one-off lump sum | On your death | Protects your family's financial future |
Family Income Benefit: A Smarter Way to Protect Your Loved Ones
A traditional life insurance policy pays out a single, large lump sum. While hugely valuable, managing a large sum of money can be daunting for a grieving family. Family Income Benefit (FIB) offers a clever alternative.
Instead of a lump sum, an FIB policy pays out a regular, tax-free monthly or annual income from the point of claim until the end of the policy term. It’s designed to replace the deceased's lost income in a more manageable way.
This is often a more affordable and logical choice for families with young children. You can set the policy to run until your youngest child is expected to be financially independent (e.g., age 21 or 25). This ensures a steady income stream to cover childcare, education, and household costs throughout their upbringing.
Example: A couple with children aged 2 and 4 take out an FIB policy with a 20-year term. If one parent were to pass away 5 years into the policy, it would pay a set income every month for the remaining 15 years, seeing the children through to ages 17 and 19.
Personal Sick Pay: Essential Cover for High-Risk Roles
While Income Protection is for everyone, certain professions carry a higher day-to-day risk of injury. Tradespeople like electricians and plumbers, construction workers, and even frontline healthcare workers like nurses are more susceptible to accidents and physical ailments that could stop them from working.
Personal Sick Pay policies are a form of short-term income protection tailored for these roles.
Key Differences:
| Feature | Standard Income Protection | Personal Sick Pay |
|---|---|---|
| Claim Duration | Can pay out until retirement | Typically pays for 1, 2, or 5 years per claim |
| Deferred Period | Usually 4 weeks or longer | Can be as short as Day 1 or Day 8 |
| Underwriting | Focus on long-term health | More focused on occupation and accident risk |
| Best For | Protecting against long-term/chronic illness | Covering income loss from short-term injuries/illness |
For an electrician who suffers a fall and breaks a wrist, being unable to work for 8 weeks could be financially devastating. A Personal Sick Pay policy with a one-week deferred period could kick in almost immediately, bridging the gap and ensuring their bills are paid.
The Business Owner's Blueprint: Protecting Your Enterprise and Yourself
For company directors, freelancers, and business owners, the stakes are even higher. Your personal financial health is intrinsically linked to the health of your business. The Protection Blueprint must therefore extend to cover the enterprise itself.
Key Person Insurance: Shielding Your Business from Critical Loss
Who in your business is indispensable? Is it the star salesperson who brings in 60% of the revenue? The technical director with unique intellectual property? This individual is a "key person."
Key Person Insurance is a policy taken out and paid for by the business on the life or health of this employee. If that person were to die or become critically ill, the policy pays a lump sum directly to the business. This money is a vital lifeline that can be used to:
- Cover the costs of recruiting and training a replacement.
- Repay a business loan that the key person had guaranteed.
- Compensate for the loss of profits or a downturn in business during the transition.
- Reassure investors, lenders, and clients that the business remains stable.
Without it, the loss of a key individual can be a fatal blow to a small or medium-sized enterprise (SME).
Executive Income Protection: A Director's Essential Benefit
This is Income Protection, but with significant tax advantages for business owners. Instead of paying for a personal policy from your post-tax income, the company pays the premium for an Executive Income Protection policy.
How it works:
- The limited company takes out the policy on its employee (e.g., a director).
- The premiums are typically treated as an allowable business expense, reducing the company's corporation tax bill.
- If the employee is unable to work, the policy pays the monthly benefit to the company.
- The company then pays the money to the employee via PAYE, deducting tax and National Insurance as normal.
This is a highly efficient way to provide robust income protection for the most valuable members of your team, including yourself.
Relevant Life Cover: Tax-Efficient Life Insurance for Employees
For small businesses that are not large enough to set up a full group death-in-service scheme, a Relevant Life Policy is a fantastic alternative. It's a company-paid, individual death-in-service benefit.
The tax advantages are significant:
- Premiums paid by the company are not treated as a P11D benefit-in-kind for the employee, so there is no extra income tax to pay.
- The premiums are usually an allowable business expense for the company.
- The payout is made into a discretionary trust, meaning it doesn't form part of the employee's estate for Inheritance Tax purposes.
This allows a small business to offer a highly attractive employee benefit at a much lower net cost than if the employee were to arrange the cover personally.
Legacy and Inheritance: The Role of Gift Inter Vivos
A core part of personal growth is building a legacy and being able to support the next generation. Many parents and grandparents want to help their children with major life expenses, such as a deposit for a first home. However, such a generous gift can create an unexpected Inheritance Tax (IHT) liability.
In the UK, any gift you make is considered a 'Potentially Exempt Transfer' (PET). If you live for 7 years after making the gift, it becomes fully exempt from IHT. However, if you pass away within that 7-year window, the gift becomes part of your estate and could be subject to a 40% IHT charge.
The amount of tax due reduces on a sliding scale, known as 'taper relief', for gifts made between 3 and 7 years before death.
| Years Between Gift and Death | Tax Paid |
|---|---|
| Less than 3 | 40% |
| 3 to 4 years | 32% |
| 4 to 5 years | 24% |
| 5 to 6 years | 16% |
| 6 to 7 years | 8% |
| 7 or more years | 0% |
This is where Gift Inter Vivos insurance comes in. It is a specialised life insurance policy designed to pay out a lump sum to cover the potential IHT bill on a gift.
Example: David, aged 68, gifts his daughter £100,000 for a house deposit. This is a PET. To ensure his daughter doesn't face a potential £40,000 tax bill if he dies within 7 years, David takes out a Gift Inter Vivos policy. It's a life insurance policy with a decreasing benefit over a 7-year term, mirroring the reducing IHT liability. If he passes away in year 4, the policy pays out £24,000 (24% of £100,000), covering the exact tax bill due. This simple policy protects his gift and ensures his legacy reaches his daughter in full.
Accelerating Recovery: The Power of Private Medical Insurance (PMI)
While protection insurance secures your finances, Private Medical Insurance (PMI) secures your most valuable asset: your time. In the face of a health issue, waiting lists can mean delayed diagnosis and treatment, prolonging your time away from work and life.
PMI works alongside the NHS to give you more control and faster access to healthcare. Its key benefits include:
- Speed: Bypassing long NHS waiting lists for consultations, diagnostics (like MRI scans), and non-emergency surgery.
- Choice: Selecting your specialist, surgeon, and the hospital where you receive treatment.
- Comfort: Access to private rooms, more flexible visiting hours, and other enhanced facilities.
- Access: Potential to access cutting-edge drugs or treatments that may not be available on the NHS due to funding constraints.
When viewed through the lens of personal growth, the value of PMI becomes clear. Faster treatment means a quicker recovery. A quicker recovery means getting back to your career, your family, your passions, and your life goals sooner. It minimises the disruption and ensures a health problem is a brief chapter, not the whole story.
Navigating the world of PMI can be complex, with different levels of cover for diagnostics, out-patient care, and cancer treatment. This is where expert advice is invaluable. At WeCovr, we help clients compare plans from all major UK providers, ensuring you get the cover that precisely matches your health priorities and budget.
The Wellness Dividend: Proactive Health as a Form of Protection
The ultimate form of protection is prevention. While insurance is there for when things go wrong, adopting a healthy lifestyle can significantly reduce your risk of needing it in the first place. Insurers recognise this, and a healthier lifestyle can often lead to lower premiums.
- A Balanced Diet: Focusing on whole foods, fruits, vegetables, and lean proteins while limiting processed foods, sugar, and saturated fats is a proven way to reduce the risk of type 2 diabetes, heart disease, and certain cancers.
- Regular Activity: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This could be brisk walking, cycling, or swimming. It boosts cardiovascular health, maintains a healthy weight, and is a powerful tool for mental wellbeing.
- Prioritising Sleep: Consistent, high-quality sleep (7-9 hours for most adults) is critical for physical repair, cognitive function, and emotional regulation. Poor sleep is linked to a host of health problems.
- Managing Stress: Chronic stress can have a severe impact on your physical and mental health. Incorporating mindfulness, exercise, or hobbies into your routine can build resilience against life's pressures.
At WeCovr, we believe that supporting our clients goes beyond just providing a policy. It’s about empowering them to live healthier, more resilient lives. That’s why we provide our customers with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It’s a simple, effective tool to help you build the positive daily habits that form the first line of defence in your personal protection strategy.
Building Your Personalised Blueprint with Expert Guidance
As we've seen, the world of protection is vast and nuanced. The optimal blend of Income Protection, Critical Illness Cover, Life Insurance, and potentially PMI or business protection is unique to you. Trying to piece it all together yourself can be overwhelming and risks leaving dangerous gaps in your cover.
This is where independent, expert advice is not just helpful—it's essential.
A specialist broker acts as your personal guide. The process should always start with a thorough "fact-find," where the adviser takes the time to understand:
- Your dependents and family structure
- Your income, assets, and liabilities (including your mortgage)
- Your occupation and the risks involved
- Your business structure, if applicable
- Your personal and financial aspirations
At WeCovr, we specialise in navigating this complex landscape. Our role is to take this deep understanding of your unique circumstances and translate it into a concrete plan. We scour the market, comparing policies from all the major UK insurers to find the most suitable cover at the most competitive price. We explain the jargon, highlight the crucial differences in policy definitions, and ensure your Protection Blueprint is robust, affordable, and perfectly aligned with your life.
Conclusion: From Surviving to Thriving – Your Future, Secured
The traditional model of personal growth—save, invest, hope for the best—is no longer sufficient in a world of challenging health realities. True, sustainable growth requires a foundation of absolute security. It requires a proactive plan that anticipates and neutralises life’s biggest financial threats.
The Protection Blueprint provides that security. It is an investment not in a product, but in your own potential. It’s the peace of mind that allows you to take calculated career risks, the freedom to start a business, the confidence to build a family, and the certainty that your dreams and ambitions are shielded from the unexpected.
By strategically combining the income stability of Income Protection, the immediate relief of Critical Illness Cover, the legacy protection of Life Insurance, and the accelerated recovery offered by PMI, you are not just insuring your life. You are ensuring your ability to live it to the fullest, no matter what comes your way. It is the ultimate act of self-investment, transforming a future of uncertainty into one of unshakeable opportunity.
Is protection insurance expensive?
Do I need a medical exam to get cover?
What if I already have a pre-existing medical condition?
Can I trust insurers to pay out?
How much cover do I actually need?
What's the difference between income protection and critical illness cover?
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!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
Our Group Is Proud To Have Issued 800,000+ Policies!
We've established collaboration agreements with leading insurance groups to create tailored coverage
How It Works
1. Complete a brief form
2. Our experts analyse your information and find you best quotes
3. Enjoy your protection!
Any questions?
Learn more
Who Are WeCovr?
WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!