Future-Proof You: Growth & Protection
Imagine a life where unexpected health crises or financial setbacks don't derail your personal growth or future dreams. With the latest health projections for 2025 amplifying the reality that approximately 1 in 2 people in the UK will face a cancer diagnosis in their lifetime, proactive preparation is not just wise, it’s essential for your growth. This isn't about fear; it's about unlocking your full potential. Discover how strategic safeguards like Family Income Benefit, Income Protection, Life and Critical Illness Cover, and tailored Personal Sick Pay – crucial for our vital tradespeople, nurses, and electricians whose livelihoods depend on their physical ability – empower you. Learn how private health insurance offers swift access to critical care, bypassing long waits and accelerating recovery, while Gift Inter Vivos secures your legacy with a lump sum upon death. It’s time to transform uncertainty into opportunity, building a foundation so resilient you can focus entirely on living your most fulfilling, growth-driven life, unburdened by the 'what ifs.'
Personal growth isn't just about learning a new skill or chasing a promotion. It's about building a life with the freedom and stability to pursue your ambitions without reservation. Yet, for many, the quiet, persistent worry about financial and physical wellbeing can act as a handbrake on progress. Creating a truly resilient financial foundation is the key that unlocks this freedom, transforming anxiety about the future into excitement for its possibilities.
This guide is your blueprint for building that foundation. We will explore the modern landscape of risk and demonstrate how intelligent, tailored protection strategies are not merely an expense, but an investment in your most valuable asset: you.
The New Reality: Why Proactive Protection is Non-Negotiable in 2025
The world we live in presents a complex picture of health and finance. While medical advancements are helping us live longer, we are also facing significant health challenges that can have profound financial consequences. Acknowledging these realities is the first step toward building a robust plan.
The Stark Health Statistics
- Cancer: 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. This staggering statistic means that a serious health diagnosis will touch nearly every family and workplace. The good news is that survival rates are continuously improving, but survival often involves a long period of treatment, recovery, and time away from work.
- Cardiovascular Disease: The British Heart Foundation reports that there are over 100,000 hospital admissions each year in the UK due to heart attacks. Furthermore, strokes remain a leading cause of disability. Recovery can be a long road, often impacting a person's ability to earn an income for months, if not years.
- Mental Health: The Office for National Statistics (ONS) has highlighted a significant rise in long-term sickness due to mental health conditions, including stress, depression, and anxiety. In today’s high-pressure world, protecting your income against the impact of mental ill-health is as crucial as protecting it against physical illness.
The Financial Domino Effect
A serious health event rarely exists in a vacuum. It triggers a financial domino effect:
- Income Stops: Your salary may cease or reduce to Statutory Sick Pay (£116.75 per week as of 2024/25), which is rarely enough to cover essential outgoings like a mortgage, rent, and bills.
- Savings Deplete: You begin to draw on your hard-earned savings to cover the shortfall, eroding the financial cushion you built for other life goals.
- Costs Increase: Life with a serious illness can be more expensive. Travel to hospital appointments, home modifications, and specialist care can all add up.
- Growth Stalls: Plans for career advancement, starting a business, or investing in your children's future are put on hold indefinitely.
The strain on our cherished NHS, with record waiting lists for diagnostics and treatments, adds another layer of uncertainty. While the care is excellent, delays can prolong recovery and the associated financial hardship. This is the modern reality that makes proactive financial protection an essential component of any ambitious life plan.
Building Your Financial Fortress: A Guide to Core Protection Policies
Think of financial protection as the unseen foundation of a skyscraper. You don't see it, but it allows the structure to soar to great heights, safe in the knowledge that it can withstand any storm. Let's explore the key building blocks of this foundation.
Life Insurance (Life Protection)
This is the cornerstone of financial protection for anyone with dependents or significant debts.
- What It Is: A policy that pays out a tax-free lump sum to your loved ones if you pass away during the policy term.
- Who It's For: Essential for anyone whose death would cause financial hardship for others. This includes parents, couples with a joint mortgage, or anyone providing financial support to a family member.
- How It Works: You choose a level of cover and a term (length of time). There are two main types:
- Level Term Assurance: The payout amount remains the same throughout the term. Ideal for covering an interest-only mortgage or providing a general family nest egg.
- Decreasing Term Assurance: The payout amount reduces over time, broadly in line with a repayment mortgage. Because the insurer's risk decreases, these policies are typically cheaper.
- Real-Life Scenario: Sarah and Tom, both 35, have a £250,000 repayment mortgage and a 5-year-old child. They take out a joint decreasing term policy to run for 25 years, the length of their mortgage. If one of them were to pass away, the policy would pay out enough to clear the remaining mortgage debt, ensuring the surviving partner and their child could remain in the family home without financial worry.
Critical Illness Cover (CIC)
This is the "living benefit" – protection for you, while you are alive.
- What It Is: A policy that pays out a tax-free lump sum if you are diagnosed with one of a list of predefined serious illnesses, such as cancer, heart attack, or stroke.
- Who It's For: Almost any working adult. A critical illness can strike at any age and the financial impact can be devastating, even if you make a full recovery.
- How It Works: The lump sum is yours to use as you see fit. It could be used to:
- Clear or pay down a mortgage.
- Cover your salary for a year or two while you focus on recovery.
- Pay for private treatment or home adaptations.
- Eliminate other debts like loans or credit cards.
- Real-Life Scenario: Mark, a 42-year-old self-employed graphic designer, is diagnosed with a type of cancer covered by his policy. He receives a £100,000 payout. This allows him to stop working for 12 months to undergo treatment and recover fully, without the stress of losing his income or dipping into his business funds. He uses part of the money to adapt his home office for a more comfortable return to work.
Income Protection (IP)
Often described by financial experts as the most important protection policy of all.
- What It Is: A policy that replaces a significant portion of your monthly income if you are unable to work due to any illness or injury.
- Who It's For: Anyone who relies on their monthly salary to live. If you don't have substantial savings or a partner who can cover all your bills indefinitely, you should strongly consider Income Protection.
- How It Works: Unlike the lump sum from CIC, IP provides a regular, tax-free monthly payment. Key features to understand are:
- Level of Cover: You can typically cover 50-70% of your gross monthly income.
- Deferment Period: This is the waiting period before the payments start, from the first day you're off sick. It can range from 4 weeks to 52 weeks. The longer the deferment period, the lower the premium. You can align it with your employer's sick pay scheme.
- Definition of Incapacity: The best policies use an 'Own Occupation' definition, meaning they will pay out if you are unable to do your specific job. This is far superior to 'Suited Occupation' or 'Any Occupation' definitions.
- Real-Life Scenario: Chloe, an NHS nurse, suffers a serious back injury outside of work and is signed off for 14 months. Her employer's sick pay runs out after 6 months. Her Income Protection policy, which had a 26-week deferment period, kicks in and pays her £1,800 a month, allowing her to continue paying her rent and bills without financial distress until she is able to return to her duties.
Family Income Benefit (FIB)
An intelligent and often more affordable alternative to a standard lump sum life insurance policy.
- What It Is: A type of life insurance that, upon death, pays out a regular, tax-free income rather than a single lump sum.
- Who It's For: Particularly well-suited for young families who want to ensure their day-to-day living costs are covered until their children are financially independent.
- How It Works: You choose an annual income amount and a policy term. For example, you might want a £25,000 annual income paid until your youngest child turns 21. If you were to pass away 10 years into the policy, your family would receive £25,000 per year for the remaining 11 years. This can make budgeting much easier for a surviving partner than managing a large, one-off lump sum.
- Real-Life Scenario: A couple with children aged 2 and 4 take out an FIB policy to pay £30,000 a year until their youngest is 22. This gives them peace of mind that school fees, clubs, holidays, and general living costs will be covered during the most crucial and expensive years of their children's lives.
Here is a simple comparison of these core products:
| Feature | Life Insurance | Critical Illness Cover | Income Protection | Family Income Benefit |
|---|---|---|---|---|
| Trigger | Death | Diagnosis of a specific serious illness | Inability to work due to any illness/injury | Death |
| Payout | Tax-free lump sum | Tax-free lump sum | Regular tax-free monthly income | Regular tax-free monthly income |
| Primary Goal | Protect dependents financially after you're gone | Provide financial options during a major health crisis | Replace your salary while you recover | Replace your income for your family |
| Best For | Mortgage holders, parents, those with dependents | All working adults, to cover major financial shocks | All working adults, to cover monthly bills | Young families needing ongoing financial support |
Specialist Protection for the UK's Self-Reliant Workforce
The traditional safety net of employment—company sick pay, death-in-service benefits—simply doesn't exist for millions of people in the UK. If you are a business owner, a freelancer, or a tradesperson, your financial resilience rests squarely on your own shoulders.
The Vulnerability of the Self-Employed
For the UK's 4.2 million self-employed individuals, being unable to work means an immediate stop to income. There is no phased sick pay, no HR department to manage your absence. This makes personal protection not just a good idea, but an absolute business necessity.
- Personal Sick Pay: For those in manual or riskier jobs—like electricians, plumbers, scaffolders, and construction workers—a standard Income Protection policy can sometimes be expensive. Personal Sick Pay (also known as Accident, Sickness & Unemployment cover) can be a valuable alternative. These policies are typically shorter-term, paying out for 12 or 24 months, making them more affordable. They provide a crucial cushion to cover bills during recovery from an injury that prevents you from being on the tools.
- Income Protection for Freelancers: For knowledge workers, consultants, and other freelancers, a robust 'Own Occupation' Income Protection policy is vital. It ensures that if you can't perform the specific duties of your profession—whether due to a physical injury, burnout, or mental health condition—your income is secure.
Empowering Company Directors and Business Owners
If you run your own limited company, you have access to powerful and highly tax-efficient methods of arranging protection. These policies are paid for by the business as a legitimate business expense.
- Relevant Life Cover: This is essentially life insurance for a director or employee, paid for by the business. The premiums are not treated as a P11D benefit-in-kind, and they are typically an allowable business expense for Corporation Tax purposes. This makes it far more tax-efficient than paying for a personal policy out of your own post-tax income. The payout goes directly to the individual's family, free of Inheritance Tax.
- Executive Income Protection: This works in the same way as Relevant Life Cover, but for Income Protection. The business pays the premiums, which are generally an allowable expense. If the director becomes unable to work, the policy pays a monthly benefit to the business, which then pays it on to the director via PAYE. It's a tax-efficient way to secure an income stream during long-term sickness.
- Key Person Insurance: This protects the business itself, not the individual's family. It's designed to provide a cash injection if a key individual—whose skills, knowledge, or contacts are critical to the company's profitability—dies or suffers a critical illness. The money can be used to recruit a replacement, cover lost profits, or reassure lenders and investors.
Here’s how business and personal protection compare:
| Protection Type | Paid By | Tax Treatment (Premiums) | Benefit Paid To |
|---|---|---|---|
| Personal Life/IP | Individual (post-tax income) | No tax relief | Individual or their family |
| Relevant Life Cover | The Business | Allowable business expense; not a P11D benefit | The employee's family |
| Executive IP | The Business | Allowable business expense | The Business (then paid to employee) |
| Key Person Insurance | The Business | Allowable business expense (usually) | The Business |
Arranging protection through your business can unlock significant savings and provide comprehensive cover. At WeCovr, we have extensive experience helping company directors navigate these options to build the most efficient and effective protection strategy for both themselves and their businesses.
Accelerating Your Recovery: The Role of Private Health Insurance
While the protection policies discussed above secure your finances, Private Health Insurance (PHI) is designed to protect your physical health by providing fast access to high-quality medical care. In an era of NHS waiting lists that can stretch for many months, PHI is an increasingly vital tool for minimising disruption to your life and career.
The Key Advantages of PHI:
- Speed of Access: This is the primary benefit. PHI allows you to bypass long waiting lists for specialist consultations, diagnostic scans (like MRI and CT), and non-emergency surgery.
- Choice and Control: You often have a choice of specialist, consultant, and hospital, giving you greater control over your treatment journey.
- Enhanced Comfort: Treatment is usually provided in a private hospital with amenities like a private room, en-suite bathroom, and more flexible visiting hours.
- Access to Specialist Treatments: Some policies provide access to new drugs or treatments that may not yet be available on the NHS due to funding decisions.
A Powerful Combination
Imagine this scenario: you develop a persistent knee problem that prevents you from working effectively.
- Without PHI: You face a lengthy wait for an NHS consultation, followed by another long wait for an MRI scan, and a further wait for any potential surgery. During this entire period, you may be unable to work.
- With PHI: You can see a specialist within days, have a scan the same week, and be booked for surgery shortly after.
When you combine PHI with Income Protection, you create a powerful synergy. The PHI gets you diagnosed and treated quickly, shortening your time off work. The Income Protection policy covers your essential outgoings during that shortened recovery period. This combination minimises both the health and financial impact of an illness or injury.
Securing Your Legacy: Understanding Gift Inter Vivos and Inheritance Tax
Future-proofing your life isn't just about you; it's also about securing the future for your loved ones and ensuring the wealth you've built passes to them efficiently. A key part of this is understanding Inheritance Tax (IHT).
A Simple Guide to IHT and Gifting
Inheritance Tax is a tax on the estate (the property, money, and possessions) of someone who has died. In the UK, everyone has a 'nil-rate band', which for 2025/26 is £325,000. Anything above this value may be taxed at 40%.
Many people choose to pass on wealth during their lifetime by making a gift, for example, helping a child with a house deposit. This is known as a Potentially Exempt Transfer (PET). If you live for 7 years after making the gift, it becomes fully exempt from IHT. However, if you die within those 7 years, the value of the gift is added back into your estate for IHT calculation purposes.
This creates a problem: the recipient of your generous gift could be landed with an unexpected and substantial tax bill.
This is where the 'taper relief' rule and a special type of insurance come in.
Taper Relief Explained
If death occurs between 3 and 7 years after the gift was made, the tax due on the gift is reduced.
| Years Between Gift and Death | Tax Paid on Gift |
|---|---|
| Less than 3 years | 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% |
Gift Inter Vivos Insurance: The Solution
- What It Is: A specialised life insurance policy designed to cover the potential IHT liability on a gift. It's also known as 'IHT Insurance on a Gift'.
- How It Works: You take out a life insurance policy for a 7-year term. The sum assured is designed to match the potential IHT liability, and it can be set up to decrease over the term in line with the taper relief shown above. If you pass away within the 7 years, the policy pays out a lump sum that the recipient can use to pay the IHT bill, ensuring they receive the full intended value of your gift.
- Who It's For: Anyone making a large lifetime gift who is concerned about the potential tax burden on their loved ones should they not survive the full 7 years.
This is a sophisticated but incredibly effective piece of financial planning that truly secures your legacy.
Beyond the Policy: A Holistic Approach to Health and Wellness
The most powerful form of protection is, of course, a healthy lifestyle. Insurers are increasingly recognising this, moving from being simple payers of claims to partners in their customers' wellbeing. Many now offer rewards and incentives for healthy living, such as discounted gym memberships, fitness trackers, and regular health screenings.
This proactive approach aligns perfectly with the philosophy of future-proofing your life. The small, consistent actions you take every day are your first line of defence:
- A Balanced Diet: Fuelling your body with nutritious food is fundamental to long-term health.
- Regular Physical Activity: Aiming for the recommended 150 minutes of moderate-intensity activity per week can significantly reduce your risk of major diseases.
- Prioritising Sleep: Quality sleep is essential for physical repair, mental clarity, and emotional resilience.
- Managing Stress: Finding healthy coping mechanisms for stress is crucial for both mental and physical health.
This commitment to holistic wellbeing is something we at WeCovr champion. We believe that supporting our clients goes beyond simply finding the right policy. That's why we provide our customers with complimentary access to our very own AI-powered calorie tracking app, CalorieHero, to support your health journey every day. It’s a small way we can help you invest in your health, the ultimate foundation for all your future growth.
Navigating the Market: How to Find the Right Cover for You
The UK protection market is vast, with dozens of providers all offering slightly different products with unique definitions and benefits. Trying to navigate this alone can be overwhelming and lead to choosing a policy that isn't right for your specific needs.
This is where independent, expert advice is invaluable. Using a specialist broker doesn't cost you more; in fact, it can save you money and, more importantly, ensure you get the cover that will actually pay out when you need it most.
At WeCovr, we specialise in demystifying this process. We compare plans from all the UK's leading insurers, taking the time to understand your unique circumstances – your family, your career, your aspirations – to find a solution that fits you perfectly. We focus on the details that matter: the quality of the policy definitions, the insurer's claims payment record, and the overall value provided.
When considering protection, you and your adviser should focus on:
- Your Budget: What is a comfortable and sustainable monthly premium?
- Your Needs: How much cover do you need to clear debts and provide for your family?
- The Fine Print: Understanding the definitions, especially for Critical Illness Cover ('additional' vs 'full' payments) and Income Protection ('own occupation'), is critical.
- The Insurer's Reputation: Look for providers with a high percentage of claims paid, as published by the Association of British Insurers (ABI).
Conclusion: From 'What If' to 'What's Next'
True freedom is not the absence of risk, but the confidence to face the future, knowing you are prepared for its uncertainties. Building a robust financial protection plan is one of the most empowering actions you can take.
It transforms the narrative from one of fear and 'what if' to one of opportunity and 'what's next'. When you no longer have to worry about how your family would cope financially or how you would pay the bills if you fell ill, you free up immense mental and emotional energy. You can channel that energy into your career, your business, your passions, and your personal growth.
This is not just about insurance; it's about intelligent self-investment. It’s about building a foundation so strong and resilient that you can pursue your most ambitious goals, unburdened. It’s about future-proofing your potential and giving yourself the ultimate permission to live your life to the fullest.
Is protection insurance expensive?
Do I need to have a medical examination to get cover?
What if I have a pre-existing medical condition?
What's the main difference between Income Protection and Critical Illness Cover?
Can I have more than one protection policy?
Are claims actually paid out?
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:
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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!