Future-Proof You: The Unseen Foundation of Personal Growth
TL;DR
You're investing in your potential, striving for a better life. But what if the unexpected hits? With projected 2025 health statistics indicating a lifetime risk of nearly 1 in 2 people facing a cancer diagnosis, and the daily risks impacting vital professions from tradespeople to nurses and electricians, true personal growth demands more than mindset – it requires an unshakeable foundation.
Key takeaways
- The Cancer Challenge: Cancer Research UK's analysis is clear and startling: for people born in the UK after 1960, the lifetime risk of being diagnosed with cancer is now 1 in 2. This isn't a distant possibility; it's a statistical probability affecting half the population.
- The Burden of Ill Health: According to the Health and Safety Executive's 2022/23 report, an estimated 1.8 million workers in Great Britain are suffering from a work-related illness. A further 561,000 sustained a non-fatal injury at work. These aren't just numbers; they represent people whose ability to earn and live their normal life has been profoundly impacted.
- The Vulnerability of Vital Professions: For the skilled tradespeople who build our homes, the nurses who care for us, and the electricians who power our lives, the risks are even more acute. An injury to a roofer's back or a surgeon's hand isn't a minor inconvenience; it's a direct threat to their livelihood.
- The Self-Employed & Freelancers: With no employer sick pay to fall back on, you are your own safety net. One illness can wipe out your business and personal finances.
- Company Directors: Your income may be a mix of salary and dividends, but it all stops if you can't work. Executive Income Protection, paid for by your company, can be a tax-efficient solution.
You're investing in your potential, striving for a better life. But what if the unexpected hits? With projected 2025 health statistics indicating a lifetime risk of nearly 1 in 2 people facing a cancer diagnosis, and the daily risks impacting vital professions from tradespeople to nurses and electricians, true personal growth demands more than mindset – it requires an unshakeable foundation. This is the urgent conversation about how smart financial protection – including Income Protection, Critical Illness Cover, Family Income Benefit, bespoke Personal Sick Pay, and the proactive advantage of private health insurance – isn't just about reacting to crisis, but about proactively safeguarding your ability to recover, innovate, and continue your life's journey, even when the unforeseen strikes. Discover how these overlooked safeguards provide the peace of mind and practical support essential for truly future-proofing your pursuit of purpose and ultimate well-being.
In the modern world, the pursuit of personal growth is relentless. We subscribe to apps that teach us mindfulness, we listen to podcasts on productivity, we invest in courses to climb the career ladder, and we fine-tune our diets and exercise regimes for peak physical performance. We are, in essence, the architects of our own future, building a better version of ourselves, brick by brick.
But what if the ground beneath this carefully constructed life gives way?
The stark reality is that the journey of self-improvement is fragile. It assumes a constant: our health and our ability to earn a living. When that constant is removed, even temporarily, the entire structure is at risk. A sudden illness, a serious injury, a life-changing diagnosis – these are not just health crises; they are personal growth crises. They halt momentum, drain resources, and shift focus from aspiration to survival.
This isn't about scaremongering. It's about a pragmatic and powerful shift in perspective. True future-proofing isn't just about positive thinking and goal-setting. It's about building a financial and practical safety net so robust that it can withstand the shocks that life inevitably throws our way. It's about ensuring that a health setback doesn't become a permanent life derailment. This is the crucial, often overlooked, layer of personal development: financial resilience.
The Statistical Reality: Why Hope Isn't a Strategy
While we focus on our goals, the statistics paint a sobering picture of the risks we all face. Ignoring them is like navigating a ship through rocky waters with your eyes closed.
- The Cancer Challenge: Cancer Research UK's analysis is clear and startling: for people born in the UK after 1960, the lifetime risk of being diagnosed with cancer is now 1 in 2. This isn't a distant possibility; it's a statistical probability affecting half the population.
- The Burden of Ill Health: According to the Health and Safety Executive's 2022/23 report, an estimated 1.8 million workers in Great Britain are suffering from a work-related illness. A further 561,000 sustained a non-fatal injury at work. These aren't just numbers; they represent people whose ability to earn and live their normal life has been profoundly impacted.
- The Vulnerability of Vital Professions: For the skilled tradespeople who build our homes, the nurses who care for us, and the electricians who power our lives, the risks are even more acute. An injury to a roofer's back or a surgeon's hand isn't a minor inconvenience; it's a direct threat to their livelihood.
The state safety net, while important, is simply not designed to maintain your lifestyle. As of April 2024, Statutory Sick Pay (SSP) in the UK is just £116.75 per week, for a maximum of 28 weeks. Consider your monthly mortgage or rent, council tax, utility bills, and food costs. It becomes immediately clear that SSP is a sticking plaster on a potentially gaping financial wound.
This is the chasm that smart financial protection is designed to fill. It's not an admission of defeat; it's the ultimate expression of proactive self-care.
The Pillars of Your Financial Fortress: A Guide to Smart Protection
Think of your personal growth journey as a high-value project. Any sensible project manager would insure against potential disruptions. Your life, your most valuable project, deserves the same foresight. Let's explore the key pillars that form this unshakeable foundation.
1. Income Protection: The Guardian of Your Monthly Cashflow
What is it? Income Protection (IP) is arguably the most fundamental protection policy for any working adult. It's designed to pay you a regular, tax-free monthly income if you are unable to work due to any illness or injury, after a pre-agreed waiting period. This income continues until you can return to work, your policy term ends, or you retire, whichever comes first.
Why is it essential? Your ability to earn an income is your single greatest financial asset. It funds everything: your home, your family's needs, your savings, your hobbies, and your future plans. IP protects this asset. It bridges the gap between the bare minimum of state benefits and the reality of your financial commitments.
| Your Monthly Reality | State Support Reality |
|---|---|
| Mortgage/Rent | Statutory Sick Pay |
| Council Tax | (approx. £505/month) |
| Utility Bills | |
| Food & Groceries | |
| Transport Costs | |
| Childcare | |
| Total: £2,000+ | Total: £116.75/week |
As the table illustrates, the shortfall is immediate and significant. Savings can be depleted in months, not years, forcing difficult decisions and adding immense stress at a time when your only focus should be on recovery.
Who needs it most?
- The Self-Employed & Freelancers: With no employer sick pay to fall back on, you are your own safety net. One illness can wipe out your business and personal finances.
- Company Directors: Your income may be a mix of salary and dividends, but it all stops if you can't work. Executive Income Protection, paid for by your company, can be a tax-efficient solution.
- Tradespeople & Manual Workers: You rely on your physical health to earn. An injury that might be an inconvenience for an office worker could be a career-ender for you.
- Anyone with a mortgage or dependents: If others rely on your income to keep a roof over their heads, IP is non-negotiable.
Key Terminology to Understand:
- Deferment Period: The time you wait from when you stop working until the policy starts paying out. It can range from one day to 12 months. A longer deferment period means a lower premium.
- 'Own Occupation' Cover: This is the gold standard. It means the policy will pay out if you are unable to do your specific job. Less comprehensive definitions like 'suited occupation' or 'any occupation' may not pay if the insurer believes you could do a different type of work.
2. Critical Illness Cover: The Financial First Responder
What is it? Critical Illness Cover (CIC) pays out a one-off, tax-free lump sum if you are diagnosed with one of a list of specified serious conditions defined in the policy. The 'big three' typically covered are cancer, heart attack, and stroke, but modern policies can cover over 50 conditions, including multiple sclerosis, major organ transplant, and Parkinson's disease.
Why is it essential? While Income Protection replaces your salary, a critical illness creates a host of immediate and significant one-off costs that go far beyond your monthly budget. The lump sum provides breathing space and options, allowing you to make choices based on your health, not your bank balance.
According to the Association of British Insurers (ABI), in 2022, a staggering £1.27 billion was paid out in individual critical illness claims, with the average claim being over £67,000. This is life-changing money at a life-changing time.
How could a CIC lump sum be used?
| Financial Pressure | The CIC Solution |
|---|---|
| Mortgage or other large debts | Pay off the mortgage, removing the biggest monthly bill. |
| Partner needing to take time off work | Replace their lost income so they can care for you. |
| Need for specialist treatment | Fund private medical care or treatments not on the NHS. |
| Home or vehicle adaptations | Pay for ramps, a stairlift, or an adapted car. |
| Recuperation and lifestyle changes | Fund a less stressful return to work or a career change. |
| Creating lasting memories with family | Provide the funds for a once-in-a-lifetime family trip. |
A critical illness diagnosis is devastating enough without the added terror of financial ruin. CIC acts as a powerful financial first responder, giving you control when everything else feels out of control.
3. Family Income Benefit: A Lifeline, Not Just a Lump Sum
What is it? Many people are familiar with traditional life insurance, which pays a large lump sum on death. Family Income Benefit (FIB) is a clever and often more affordable alternative. Instead of a single payout, it provides your family with a regular, tax-free monthly or annual income from the time of your death until the end of the policy term.
Why is it a smart choice? Imagine your partner, while grieving, suddenly receives a £500,000 lump sum. They are now faced with the immense pressure of investing and managing that money to make it last, potentially for decades. It's a daunting task at the worst possible time.
FIB removes this burden. It's designed to replicate your lost monthly salary, making budgeting simple and secure for your surviving family. They know that every month, a set amount will arrive to cover the bills, childcare, and school fees, allowing them to focus on rebuilding their lives.
Example Scenario: You have a 25-year policy to protect your family until your youngest child is 22.
- If you pass away in year 5, the policy will pay the agreed income for the remaining 20 years.
- If you pass away in year 20, the policy will pay out for the remaining 5 years.
This structure makes it incredibly cost-effective, as the insurer's potential liability decreases over time. It's a pragmatic, user-friendly way to protect your family's day-to-day lifestyle.
4. Personal Sick Pay: The Specialist Cover for High-Risk Roles
What is it? Personal Sick Pay is a type of short-term income protection, specifically tailored for those in riskier jobs or the gig economy who have zero safety net from an employer. Think of it as your personal, private sick pay scheme.
Who is it for?
- Tradespeople: Plumbers, electricians, builders, plasterers.
- Medical Professionals: Nurses, locum doctors, physiotherapists.
- Drivers: Delivery drivers, taxi drivers, HGV drivers.
- Freelancers & Gig Economy Workers: Anyone whose income stops the second they do.
The key difference from standard Income Protection is often the very short deferment period. While a typical IP policy might have a waiting period of 3 or 6 months, a Personal Sick Pay plan can start paying out after just one week. This is crucial for those who live week-to-week on their earnings and have minimal savings. It ensures that a sprained ankle or a bout of flu doesn't spiral into a debt crisis.
The Proactive Advantage: How Private Health Insurance Fuels Recovery
Financial protection policies are the crucial defensive line. Private Health Insurance (PMI) is the proactive, offensive strategy. It's about taking control of your health journey to minimise disruption and accelerate your return to your life's purpose.
With NHS waiting lists in England at record levels – millions of people are waiting for consultant-led hospital treatment – the time between referral and treatment can be a long, anxious, and painful period. For someone dedicated to personal growth, this waiting time is lost time.
PMI is not about being "better" than the NHS; it's about having options.
The tangible benefits include:
- Speed of Diagnosis: Quickly see a specialist to find out what's wrong, bypassing long waits.
- Choice of Care: Choose your surgeon, your hospital, and the timing of your treatment to fit around your life and work.
- Faster Treatment: Get the surgery or treatment you need promptly, reducing pain and recovery time.
- Enhanced Comfort: Recover in a private room with more flexible visiting hours, aiding rest and recuperation.
- Access to Advanced Care: Some policies provide access to the latest drugs and treatments that may not yet be available through the NHS.
For a driven individual, the ability to get diagnosed and treated in weeks rather than many months or even years is invaluable. It's the difference between a temporary pause and a full stop on your personal and professional ambitions.
At WeCovr, we believe in a holistic approach to wellbeing. It's why, in addition to helping our clients secure the best insurance, we also provide them with complimentary access to our AI-powered calorie tracking app, CalorieHero. We want to empower you not just to be protected in crisis, but to be proactive in your daily health, underscoring our commitment to your long-term wellness journey.
For the Visionaries: Protecting Your Business, Your Greatest Asset
If you are a company director, business owner, or partner, your personal and business finances are inextricably linked. A health crisis doesn't just affect you; it can threaten the very existence of the enterprise you've worked so hard to build. Specialist business protection is therefore not a luxury, but a core component of responsible corporate governance.
- Key Person Insurance: Is there one person in your business whose skill, knowledge, or contacts are irreplaceable in the short term? This could be a top salesperson, a technical genius, or you. Key Person Insurance pays a lump sum to the business if that person dies or is diagnosed with a critical illness. These funds can be used to cover lost profits, recruit a replacement, or reassure lenders and investors.
- Shareholder or Partnership Protection: What happens if you or one of your business partners dies? Their shares will likely pass to their family. Do you want to be in business with your late partner's spouse? Do they have the funds to buy the shares? Shareholder Protection provides the surviving partners with the lump sum needed to purchase the deceased's shares at a pre-agreed price, ensuring smooth and stable business continuity.
- Executive Income Protection: This is a company-funded income protection policy for a director or key employee. It's a highly valued benefit, and because the company pays the premiums, they are typically allowable as a business expense, making it a very tax-efficient way to protect your top talent.
- Relevant Life Cover: A tax-efficient alternative to a 'death-in-service' benefit for small businesses. The company pays the premiums for a life insurance policy for an employee/director. These premiums are not treated as a P11D benefit, and the payout on death is tax-free to the employee's family.
Protecting your business is an extension of protecting yourself. It safeguards your legacy, your employees' livelihoods, and the financial future you've been building.
Taking Control: Your Action Plan for Building Resilience
Understanding these concepts is the first step. Taking action is what builds the fortress. Here’s how to move forward with clarity and purpose.
Step 1: Conduct a Personal Financial Audit You can't protect what you don't understand. Sit down and get a clear picture of your situation:
- Income: What is your total monthly take-home pay?
- Outgoings: What are your essential monthly costs (mortgage/rent, bills, food, transport)? What are your discretionary costs?
- Dependents: Who relies on you financially?
- Existing Cover: What does your employer provide in terms of sick pay and death-in-service benefits? How long does it last?
- Savings: What is your "rainy day" fund? How many months of essential outgoings would it cover?
Step 2: Demystify the Jargon The world of insurance can be confusing. Working with an expert simplifies this, but it's good to know the basics:
- Premium: The monthly or annual amount you pay for the policy.
- Term: The length of time the policy is active.
- Sum Assured: The amount of money the policy will pay out.
- Underwriting: The process the insurer uses to assess your risk (based on your age, health, lifestyle, and occupation) to determine your premium.
- Indexation: An option to link your policy to inflation, so the value of your cover doesn't decrease in real terms over time.
Step 3: Don't Go It Alone - Seek Expert Guidance You wouldn't perform surgery on yourself or rewire your own house. Why would you navigate the complex, high-stakes world of financial protection without an expert?
This is where a specialist independent broker like WeCovr is invaluable. Our role is not to "sell" you a policy. Our role is to be your advocate and expert guide. We take the time to understand you, your family, your business, and your goals.
With this deep understanding, we then scan the entire UK market – from major providers like Aviva, Legal & General, and Royal London to specialist insurers like Vitality and The Exeter. We compare the policy features, the definitions, the claim statistics, and the prices to find the combination of cover that provides you with the most robust and cost-effective protection. This saves you time, prevents you from making costly mistakes (like choosing a policy with a poor 'occupation' definition), and ensures your application has the best chance of success.
Beyond the Payout: The Modern Wellness Ecosystem
Today’s leading insurance policies offer far more than just a financial payout. Insurers have realised that it is in everyone's interest to help you stay healthy and get better faster. As a result, many policies now come with a suite of value-added benefits, often available from day one, at no extra cost.
These can include:
- 24/7 Virtual GP: Get a GP appointment via video call at a time that suits you, often within hours.
- Mental Health Support: Access to a set number of counselling or therapy sessions per year.
- Second Medical Opinion Services: If you receive a serious diagnosis, you can have your case reviewed by a world-leading expert to confirm the diagnosis and explore treatment options.
- Physiotherapy and Rehabilitation Support: Services designed to get you back on your feet and back to work faster after an injury.
- Health & Wellness Rewards: Discounts on gym memberships, fitness trackers, and healthy food to incentivise a healthy lifestyle.
These benefits transform an insurance policy from a reactive safety net into a proactive wellness partner, directly supporting your personal growth journey every single day. The provision of our CalorieHero app to WeCovr clients is a perfect example of this philosophy in action – we support your health long before you might ever need to make a claim.
Conclusion: The Ultimate Investment in Your Potential
Personal growth is a journey of ambition, discipline, and optimism. But authentic, sustainable growth requires a foundation of profound security. It requires the confidence to take risks, to innovate, and to pursue your passions, knowing that you and your loved ones are protected from the financial fallout of an unexpected health crisis.
Investing in Income Protection, Critical Illness Cover, and the right life insurance isn't a cost; it's an investment in your most valuable asset: your ability to live the life you're working so hard to create. It's the quiet, unseen work that makes all the ambitious, visible work possible.
This isn't a conversation about what might go wrong. It's a conversation about ensuring you have everything you need to make things right again. It's about giving yourself the peace of mind to focus not on survival, but on thriving. Future-proof your finances, and you truly future-proof yourself.
Isn't this kind of insurance really expensive?
Do I need income protection if I have savings?
I'm young and healthy, why should I get cover now?
What's the difference between Critical Illness Cover and Income Protection?
- Income Protection pays a regular monthly income if you can't work due to any illness or injury. It's designed to replace your salary and cover ongoing bills.
- Critical Illness Cover pays a one-off lump sum if you are diagnosed with a specific serious condition listed on the policy. It's designed to cover large one-off costs, like paying off a mortgage, funding private treatment, or adapting your home. Many people choose to have both to create a comprehensive safety net.
Will my pre-existing medical conditions be covered?
How does an expert broker like WeCovr help?
- Understanding Your Needs: We conduct a thorough fact-find to understand your unique personal, financial, and family circumstances.
- Market Research: We use our expertise and technology to search the entire UK market to find the most suitable policies for you.
- Expert Advice: We explain the pros and cons of different options, demystify the jargon, and recommend a solution tailored to your needs and budget.
- Application Support: We help you complete the application forms correctly, ensuring the process is as smooth and efficient as possible.
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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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!