Future-Proof Life: Growth & Protection
The Unseen Foundation: How Proactive Health, Income, and Family Protection Becomes Your Ultimate Accelerator for Unstoppable Personal Growth, Deeper Relationships, and Unshakeable Financial Freedom
We all have aspirations. We dream of climbing the career ladder, launching a successful business, travelling the world, or simply creating a secure and loving home for our family. We spend countless hours on personal development, upskilling, and networking. We build financial plans, invest our savings, and meticulously track our progress towards our goals.
But what if the very foundation upon which all these ambitions are built is fragile?
Think of your life as a magnificent skyscraper you are constructing. Each floor represents a milestone: a promotion, a new home, a growing family. You pour your energy into building higher and higher. But what about the bedrock beneath? An unexpected illness, a sudden accident, or the loss of a loved one can be the seismic shock that brings the entire structure tumbling down.
This is where the paradigm of protection insurance shifts from a 'grudge purchase' to the single most powerful enabler of your ambitions. It's not about planning for the end; it's about securing the journey. It's the unseen foundation that gives you the psychological freedom to build your life's masterpiece, safe in the knowledge that no matter what storms may come, your foundations are unshakeable.
This guide will illuminate how a proactive approach to your health, income, and family's future through protection insurance isn't a cost—it's an investment in your potential. It's the ultimate accelerator for personal growth, the bedrock for deeper relationships, and the non-negotiable key to genuine financial freedom.
The Psychological Shift: From a Mindset of Scarcity to a Platform for Ambition
The human brain is wired for survival. A significant portion of our mental energy is subconsciously dedicated to scanning for threats. For many, the biggest threats are financial: "What if I lose my job? What if I get too sick to work? How would my family cope if I weren't here?"
This undercurrent of anxiety acts as a handbrake on our potential. It can manifest in several ways:
- Risk Aversion: You might shy away from a promising but less secure career change or a bold business idea because the fear of financial instability is too great.
- Decision Paralysis: The weight of being the sole provider can make every financial decision feel monumental and terrifying.
- Strained Relationships: Financial stress is a leading cause of conflict in relationships. Worrying about money can prevent you from being truly present with your loved ones.
- Burnout: The pressure to constantly 'hustle' to build a buffer can lead to chronic stress and exhaustion, ironically increasing your risk of health problems.
Now, imagine flipping a switch. Imagine a reality where those core financial fears are neutralised. This is the profound psychological impact of having a robust protection plan.
When you know that your income is protected, your mortgage will be paid, and your family will be financially secure no matter what, a huge cognitive load is lifted. Your brain is freed from the constant, low-level hum of anxiety. This newfound mental space is where the magic happens.
- Ambition is Unleashed: The entrepreneurial leap doesn't seem so terrifying. Asking for that promotion or negotiating a better salary feels less risky.
- Creativity Flourishes: With the fear of failure mitigated, you are free to think bigger, innovate, and pursue your passions.
- Relationships Deepen: Conversations can shift from anxious budgeting to shared dreams. You can be a more relaxed, present, and supportive partner and parent.
- Wellbeing Improves: The reduction in chronic stress has a direct, positive impact on your physical and mental health.
Protection insurance isn't just a financial product; it's a tool for rewiring your mindset from one of scarcity and fear to one of abundance and opportunity. It's the stable platform from which you can truly launch.
The Three Pillars of Personal Protection: A Comprehensive Overview
To build this unshakeable foundation, you need the right materials. In the world of personal finance, these are the three core pillars of protection insurance. Understanding what they do, and how they work together, is the first step towards true security.
Pillar 1: Life Insurance
Life Insurance is the cornerstone of family protection. It's designed to provide a financial cushion for your loved ones if you were to pass away. The payout can be used for anything, but it's typically used to clear debts, cover funeral costs, and provide an income for the surviving family.
The most common types are:
- Level Term Assurance: Pays out a fixed lump sum if you die within a set term (e.g., the length of your mortgage). The amount of cover stays the same throughout the policy.
- Decreasing Term Assurance: The potential payout decreases over the term of the policy, usually in line with a repayment mortgage. This makes it a cheaper option, ideal for just covering a specific large debt.
- Family Income Benefit: Instead of a single lump sum, this pays out a regular, tax-free income to your family for the remainder of the policy term. This can be easier to manage than a large sum and effectively replaces your lost monthly salary.
Who needs it? Anyone with financial dependents: a partner, children, or even ageing parents who rely on your income. If you have a mortgage, it's considered essential.
Pillar 2: Critical Illness Cover (CIC)
Surviving a serious illness can be almost as financially devastating as not surviving at all. According to Cancer Research UK, 1 in 2 people in the UK will be diagnosed with some form of cancer during their lifetime. While medical advances mean survival rates are improving, the road to recovery can be long and costly.
Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious conditions (e.g., heart attack, stroke, cancer, multiple sclerosis). This money gives you options. It allows you to:
- Take time off work to recover without financial stress.
- Pay for private treatment or specialist therapies not available on the NHS.
- Make adaptations to your home.
- Clear debts like a mortgage, reducing your financial outgoings.
The peace of mind that comes from knowing you can focus purely on your health, not on the bills, is immeasurable.
Pillar 3: Income Protection (IP)
Often described by experts as the most important protection policy of all, Income Protection is your financial self-defence. It's designed to pay you a regular, tax-free monthly income if you are unable to work due to any illness or injury.
Unlike Critical Illness Cover, which pays a lump sum for a specific condition, IP covers a much broader range of situations, from a bad back or mental health issues to more severe long-term illnesses. It will continue to pay out until you can return to work, the policy term ends, or you retire, whichever comes first.
Consider this: the Office for National Statistics reported in late 2023 that a record 2.8 million people were out of work due to long-term sickness. Without a safety net, how long could your savings support you and your family? For most people, the answer is "not long enough."
| Feature | Life Insurance | Critical Illness Cover | Income Protection |
|---|---|---|---|
| What it does | Pays out on death or terminal illness diagnosis. | Pays a lump sum on diagnosis of a specified illness. | Pays a regular income if you can't work due to illness/injury. |
| Payout Type | Lump sum or regular income (Family Income Benefit). | Tax-free lump sum. | Tax-free monthly income (typically 50-70% of gross salary). |
| Primary Goal | Protects dependents financially after you're gone. | Provides financial options during recovery from illness. | Replaces your salary to cover living costs while you're off work. |
| Key Trigger | Death during the policy term. | Diagnosis of a defined critical condition. | Inability to work due to any medical reason (after a deferment period). |
| Essential For | People with dependents, mortgages, or large debts. | Anyone who would struggle financially if they had a major illness. | Almost every working adult, especially the self-employed. |
These three pillars work in synergy. Life Insurance protects your family's future, Critical Illness Cover gives you a fighting chance during a health crisis, and Income Protection safeguards your most valuable asset: your ability to earn a living.
Beyond the Basics: Tailored Protection for Your Unique Life
While the three pillars form the core of a solid plan, your life isn't standard-issue. Specialist protection products exist to plug specific gaps and address unique circumstances, particularly for those in skilled trades or with complex financial affairs.
For Those in Hands-On Professions: Personal Sick Pay
If you're a self-employed tradesperson, a nurse, an electrician, or in any physically demanding role, your body is your business. A minor injury that might be an inconvenience for an office worker could be a financial catastrophe for you.
Personal Sick Pay is a type of short-term income protection. It's designed for those in riskier occupations and typically has:
- Shorter Deferment Periods: You can choose to start receiving payments after just one or two weeks of being off work, rather than the one-to-three-month wait common with standard IP.
- Shorter Payment Periods: These policies usually pay out for a maximum of one, two, or five years per claim, making them more affordable than full-term income protection while still covering you for the majority of illnesses and injuries.
It's a pragmatic and affordable way to ensure that a broken leg doesn't break your business.
For Estate Planning: Gift Inter Vivos Insurance
Have you made a significant financial gift to your children or grandchildren, perhaps to help them onto the property ladder? This is a wonderful gesture, but it could come with a sting in the tail: Inheritance Tax (IHT).
If you pass away within seven years of making the gift, it may still be considered part of your estate and could be liable for IHT at a rate of up to 40%. This could force your loved ones to find a substantial sum of money unexpectedly.
Gift Inter Vivos insurance is a specific type of life insurance policy designed to solve this exact problem.
- It's a whole-of-life or term assurance policy set up for a seven-year term.
- The sum assured is designed to match the potential IHT liability on the gift.
- If you pass away within the seven years, the policy pays out to cover the tax bill, ensuring your gift reaches its recipient in full.
It’s a simple, effective tool for intelligent and compassionate estate planning.
The Health Connection: Proactive Wellness as Your First Line of Defence
A robust protection plan is your financial safety net, but the best claim is the one you never have to make. Modern insurers recognise this, and the link between financial wellbeing and physical health has never been clearer.
Taking proactive steps to manage your health not only improves your quality of life but can also make your insurance cheaper and strengthens your overall resilience. Think of it as a virtuous cycle: good health reduces your insurance risk, which lowers your premiums, freeing up more cash to invest in your wellbeing.
Here are key areas to focus on for a truly future-proof life:
1. Mindful Nutrition
What you eat is the fuel for your body and mind. A balanced diet rich in whole foods, lean proteins, and healthy fats can drastically reduce your risk of developing chronic conditions like heart disease, type 2 diabetes, and certain cancers.
- Focus on Whole Foods: Prioritise fruits, vegetables, whole grains, and lean protein over processed foods high in sugar, salt, and unhealthy fats.
- Stay Hydrated: Water is essential for every bodily function, from cognitive performance to energy levels.
- Track Your Intake: Understanding your calorie and macronutrient needs is fundamental. This is where modern technology can be a huge asset. At WeCovr, we believe so strongly in this proactive approach that we provide our clients with complimentary access to our AI-powered calorie tracking app, CalorieHero. It's our way of going beyond the policy to invest in our customers' long-term health.
2. The Power of Movement
The NHS recommends at least 150 minutes of moderate-intensity activity a week or 75 minutes of vigorous-intensity activity a week. This isn't just about weight management; regular exercise is proven to:
- Improve cardiovascular health.
- Boost mental health by releasing endorphins.
- Strengthen bones and muscles, reducing the risk of injury.
- Improve sleep quality.
Find an activity you enjoy, whether it's brisk walking, cycling, swimming, or joining a local sports team. Consistency is more important than intensity.
3. The Non-Negotiable of Sleep
Sleep is not a luxury; it is a biological necessity. Chronic sleep deprivation is linked to a host of health problems, including a weakened immune system, high blood pressure, and impaired cognitive function.
- Aim for 7-9 hours: Most adults need this amount to function optimally.
- Create a Routine: Go to bed and wake up at similar times each day, even on weekends.
- Optimise Your Environment: Ensure your bedroom is dark, quiet, and cool. Avoid screens for at least an hour before bed.
4. Managing Stress
Chronic stress is a silent killer. It elevates cortisol levels, which can lead to inflammation and a wide range of health issues.
- Practice Mindfulness: Techniques like meditation, deep breathing, or yoga can help calm your nervous system.
- Connect with Nature: Spending time outdoors has been shown to lower stress and improve mood.
- Maintain Social Connections: Strong relationships are a powerful buffer against stress.
By integrating these wellness practices into your life, you are not just living better today; you are actively building a more resilient, healthier, and financially secure future for yourself.
For the Entrepreneurial Spirit: Securing Your Business & Your Future
If you're a company director, business owner, or self-employed professional, the line between your personal and business finances is often blurred. A personal crisis can quickly become a business crisis, and vice-versa. This is why specialised business protection is a non-negotiable part of a truly comprehensive plan. It protects not only your family but also the enterprise you've worked so hard to build.
Key Person Insurance
Who is indispensable to your business? Is it the technical genius who developed your product? The salesperson with an unmatched network? Or is it you?
Key Person Insurance is a life insurance or critical illness policy taken out by the business on a key employee.
- The Business is the Beneficiary: If the key person dies or suffers a critical illness, the policy pays out to the company.
- The Payout Provides Stability: This money can be used to recruit a replacement, cover lost profits during the disruption, or reassure lenders and investors that the business can continue.
It turns a potential catastrophe into a manageable challenge. According to a 2023 report from Legal & General, 52% of UK businesses say they would cease trading within a year if they lost a key person. Key Person Insurance is the antidote to this statistic.
Executive Income Protection
As a company director, your value to the business is immense. If you were unable to work for a prolonged period, standard sick pay arrangements might be inadequate.
Executive Income Protection is similar to personal income protection, but it's paid for by the business as a legitimate business expense.
- Tax Efficiency: The premiums are typically corporation tax deductible for the business.
- Higher Cover Levels: It can often provide a higher level of cover than a personal plan.
- Benefits the Director: The payout is made to the business, which then pays it to the director via PAYE, providing a replacement income.
It's a highly efficient way for a limited company to protect its most important assets: its leaders.
Relevant Life Plans
A Relevant Life Plan is a tax-efficient death-in-service benefit for a single employee or director, paid for by their company. It's essentially a standalone life insurance policy that offers many of the tax advantages of a large group scheme, but for an individual.
| Feature | Personal Life Insurance | Relevant Life Plan |
|---|---|---|
| Who Pays Premiums? | You, from your post-tax income. | Your limited company. |
| Tax Deductible? | No. | Yes, premiums are usually an allowable business expense. |
| Benefit in Kind? | N/A. | No, it's not typically considered a P11D benefit for the employee. |
| Payout | Forms part of your estate for Inheritance Tax purposes. | Paid into a discretionary trust, so it stays outside of the estate. |
For company directors, a Relevant Life Plan is almost always a more tax-efficient way to arrange life cover than a personal policy. It provides vital protection for your family while reducing the company's corporation tax bill.
Securing your business isn't just good commercial sense; it's a fundamental part of protecting your personal financial world and securing your family's legacy.
Building Your Fortress: The Practical Steps to Getting Covered
Understanding the 'why' and 'what' of protection is crucial, but it's the 'how' that turns knowledge into action. Building your financial fortress is a methodical process, but it's simpler than you might think, especially with the right guidance.
Step 1: The Needs Analysis - A Financial Self-Portrait
Before you can choose a policy, you need to know what you're protecting. This isn't a time for guesswork. Grab a pen and paper or open a spreadsheet and be honest with yourself.
- Debts: List all of them. Your mortgage, car loans, credit cards, and any personal loans. This is the absolute minimum your life insurance should cover.
- Income: What is your monthly take-home pay? How much of that is essential for running your household (bills, food, transport)? This figure is the bedrock of your income protection calculation.
- Dependents: How many people rely on you? What are their future needs? Consider the cost of raising a child to 18 (Loughborough University and the Child Poverty Action Group estimated this at over £166,000 for a couple in 2023), university fees, or wedding costs.
- Existing Cover: Do you have any protection through your employer? Check the details. Is it enough? What happens if you leave your job? Employer "death-in-service" benefits are often just a multiple of salary and cease the day you leave the company.
Step 2: The Power of Independent Advice - Don't Go It Alone
The UK insurance market is vast and complex. Policies that look similar on the surface can have vastly different definitions, exclusions, and payout histories. Trying to navigate this alone is a false economy.
This is where an expert independent broker like WeCovr becomes your most valuable ally.
- Whole-of-Market Access: We are not tied to any single insurer. We compare policies and prices from all the major UK providers to find the best fit for your specific needs and budget.
- Expert Guidance: We understand the small print. We know which insurers have better definitions for certain conditions or are more favourable for specific occupations. We can explain the difference between an 'own occupation', 'suited occupation', and 'any occupation' definition for income protection – a detail that can be the difference between a successful claim and a rejected one.
- Application Support: We handle the paperwork and liaise with the insurer on your behalf, making the process smooth and hassle-free. We know what information underwriters are looking for, helping to ensure your application is processed efficiently.
Using a broker doesn't cost you more; our commission is paid by the insurer you choose. In fact, our expertise and market access often mean we can find you better cover for a lower price than you could find going direct.
Step 3: The Application and Underwriting Process
Once you've chosen a plan, you'll need to complete an application form. This will ask detailed questions about your health, lifestyle, occupation, and family medical history.
Be 100% honest. The temptation to omit a minor health issue or your smoking habits to get a lower premium is a huge mistake. Non-disclosure is one of the primary reasons claims are rejected. An insurer can void your policy, even years down the line, if they discover you weren't truthful. A slightly higher premium for an honestly declared policy is infinitely better than a worthless policy.
Depending on your age, the amount of cover you're applying for, and your health declarations, the insurer may request more information, such as a report from your GP or a mini-medical examination (usually just a nurse visit to check your height, weight, blood pressure, and take a sample).
Step 4: Review, Review, Review
Your protection plan is not a "set it and forget it" product. Life changes, and your cover should adapt accordingly. Plan to review your policies every few years, or after any major life event:
- Getting married or divorced
- Having a child
- Moving home or taking on a larger mortgage
- Changing jobs or getting a significant pay rise
- Starting a business
A regular review ensures your financial fortress remains strong enough to protect the life you are building, not just the life you used to have.
The Unshakeable Conclusion: Protection as the Ultimate Enabler
We began this journey by challenging the perception of insurance as a mere expense. We have reframed it as the unseen foundation, the silent partner in your personal and professional growth.
By proactively neutralising your biggest financial fears, you do more than just protect yourself against the worst-case scenario. You liberate your best self.
- You create the psychological space to take calculated risks, pursue your ambitions, and think creatively.
- You build a financial fortress that protects not only your income and assets but also the emotional wellbeing of your family, fostering deeper and more secure relationships.
- You invest in your holistic wellbeing, recognising that physical health, mental resilience, and financial security are intrinsically linked.
Whether you are an employee building a career, a self-employed professional forging your own path, or a company director leading a team, the principle is the same. A robust, well-structured protection plan is the bedrock upon which you can build a life of purpose, connection, and true freedom.
Don't let the 'what ifs' hold you back from what could be. Lay the foundation today. Talk to an expert, understand your needs, and put in place the protection that will empower you to build your skyscraper as high as your dreams can take you. This is the key to unlocking a truly future-proof life.
I'm young and healthy. Do I really need protection insurance now?
Is Income Protection the same as the sick pay I get from my employer?
How much cover do I actually need?
Are these policies expensive?
Do insurers actually pay out claims?
Can I get cover if I'm self-employed or a company director?
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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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!