Future-Proof Your Flourish: Resilience & Growth Unlocked
Beyond Diets and Daily Affirmations: Why Protecting Your Income, Family, and Health is The Ultimate Act of Self-Development for 2025 and Beyond. Discover How Financial Security and Private Healthcare Access Create the Foundation for Truly Living Your Best Life, Even When the Unexpected Strikes.
The world of self-development is booming. We're encouraged to optimise our mornings, bio-hack our bodies, and manifest our dreams. We download meditation apps, subscribe to productivity newsletters, and invest in personal coaching. Yet, in this relentless pursuit of a better self, we often overlook the very foundation upon which all growth is built: security.
Think of it like this: you wouldn't build your dream home on unstable ground. You wouldn't plant a garden in a storm-ravaged field. So why would you build your life's ambitions—your career, your family's happiness, your personal goals—on the precarious ground of financial and health uncertainty?
For 2025 and beyond, the most profound act of self-development isn't another fad diet or a new journaling technique. It's the deliberate, conscious act of building a fortress of resilience around what matters most. It's about creating a safety net so robust that you can leap for your goals with confidence, knowing that a fall won't mean financial ruin. This is the new frontier of personal growth: future-proofing your flourish by protecting your income, your family, and your health.
Redefining 'Self-Care': Beyond the Bubble Bath and Into the Boardroom
For too long, 'self-care' has been marketed as a consumer product: a face mask, a scented candle, a weekend retreat. While these things are pleasant, they are temporary balms for stress, not solutions to its root cause. For millions in the UK, the most significant source of stress isn't a lack of relaxation, but a deep-seated anxiety about the 'what ifs'.
- "What if I get too ill to work?"
- "What if my partner's income suddenly disappeared?"
- "What if I face a long wait for essential medical treatment?"
- "What if my business loses its most crucial employee?"
These are not abstract fears. According to the Office for National Statistics (ONS), the number of people economically inactive due to long-term sickness in the UK has reached record highs, standing at over 2.8 million people in early 2024. This isn't just a statistic; it represents millions of disrupted lives, stalled careers, and families facing immense financial and emotional pressure.
True self-care is acknowledging these risks and taking practical, powerful steps to mitigate them. It’s about shifting your mindset from passive hope to active protection. This isn't about negativity; it's about empowerment. By securing your financial and physical wellbeing, you free up immense mental and emotional energy, allowing you to focus on growth, creativity, and joy, rather than on survival.
Your Greatest Asset Isn't Your Home or Your Car – It's Your Ability to Earn
We insure our homes, our cars, and even our pets without a second thought. Yet, the one asset that pays for all of those things—our ability to earn an income—is often left completely exposed. Your income is the engine of your life. It pays the mortgage, puts food on the table, funds your children's future, and fuels your dreams. What happens if that engine breaks down?
This is where Income Protection Insurance comes in. It is arguably the most important insurance you can own, yet it remains one of the least understood.
A Closer Look at Income Protection
Income Protection (IP) is designed to do one thing: provide you with a regular, tax-free replacement income if you are unable to work due to illness or injury. It pays out after a pre-agreed waiting period (known as the 'deferment period') and can continue to pay out until you are able to return to work, or until the end of the policy term (often your planned retirement age).
Let's consider an example:
- Sarah, a 35-year-old freelance marketing consultant, earns £50,000 a year. She loves the freedom of being her own boss but has no access to employer sick pay.
- She develops a serious back condition that requires surgery and a long recovery, leaving her unable to work for 18 months.
- Without income protection, her savings would be wiped out within months. She'd face the stress of covering her mortgage, bills, and business overheads, severely hampering her recovery.
- Fortunately, Sarah had taken out an income protection policy. After her 3-month deferment period, her policy started paying her £2,700 a month (around 65% of her gross income, tax-free). This income allowed her to focus entirely on her recovery without the crippling anxiety of financial ruin. She could pay her bills, keep her business afloat, and return to work when she was genuinely ready, not when her bank account was empty.
Key features of Income Protection are crucial to understand:
| Feature | Description | Why It Matters |
|---|---|---|
| Benefit Amount | The monthly income you receive. Typically 50-70% of your gross salary. | It should be enough to cover your essential outgoings. |
| Deferment Period | The waiting time from when you stop working to when you start receiving payments. | Can be from 1 day to 12 months. A longer period means a lower premium. |
| Policy Term | How long the policy lasts. Usually set to your retirement age (e.g., 68). | Ensures you're covered for your entire working life. |
| Definition of Incapacity | The criteria used to decide if you can claim. 'Own Occupation' is the best. | 'Own Occupation' means you can claim if you can't do your specific job. |
The 'definition of incapacity' is vital. 'Own Occupation' cover is the gold standard, as it means the policy will pay out if you are unable to perform your specific job. Less comprehensive definitions like 'Suited Occupation' or 'Any Occupation' might not pay out if the insurer believes you could do a different job, even if it's for a much lower salary. At WeCovr, we always stress the importance of understanding this crucial detail when helping clients compare policies.
Special Considerations for the Self-Employed and Company Directors
The need for income protection is amplified for those who don't have the safety net of an employer's sick pay scheme.
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Self-Employed & Freelancers: You are your business. If you can't work, your income stops immediately. Statutory Sick Pay (SSP) is not an option, and Employment and Support Allowance (ESA) provides only a minimal level of support. A personal income protection policy is a non-negotiable part of your business plan.
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Company Directors: You have a powerful, tax-efficient alternative: Executive Income Protection. This policy is owned and paid for by your limited company as a legitimate business expense. This means the premiums are typically tax-deductible for the business. The benefit is paid to the company, which then distributes it to you, the director, via PAYE. It’s a highly efficient way to protect your personal income while using company funds.
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Tradespeople & High-Risk Roles: For electricians, plumbers, nurses, and construction workers, the risk of injury can be higher. While traditional IP is available, some may find Personal Sick Pay policies more suitable. These often have shorter-term payment periods (e.g., 1 or 2 years per claim) but can be more accessible and affordable for those in manual occupations.
More Than Money: Life Insurance as an Act of Love and Responsibility
Talking about life insurance can feel uncomfortable, but reframing it helps. It’s not about planning for your death; it’s about providing for your loved ones' lives after you're gone. It’s a financial backstop that ensures the people who depend on you can maintain their standard of living, stay in the family home, and pursue their dreams without being burdened by debt.
It’s the ultimate act of responsibility, ensuring your legacy is one of security and care, not financial hardship.
There are several types of life insurance, each suited to different needs.
| Type of Cover | How It Works | Best For |
|---|---|---|
| Level Term Assurance | Pays a fixed lump sum if you die within a set term (e.g., 25 years). | Covering an interest-only mortgage, or providing a general family lump sum. |
| Decreasing Term Assurance | The payout amount decreases over the term, usually in line with a mortgage. | Covering a repayment mortgage. It's the most affordable type of life cover. |
| Whole of Life Cover | Guarantees a payout whenever you die, as long as you keep paying premiums. | Covering a future Inheritance Tax bill or providing a guaranteed legacy. |
Family Income Benefit: A Different Approach to Financial Support
For many families, especially those with young children, receiving a huge lump sum can feel daunting. How do you invest it? How do you make it last? Family Income Benefit (FIB) offers a clever alternative.
Instead of a single lump sum, FIB pays out a regular, tax-free monthly or annual income from the point of claim until the end of the policy term.
- Example: Mark and Lisa have two young children and a 20-year Family Income Benefit policy for £2,500 a month. If Mark were to die five years into the policy, Lisa would receive £2,500 every month for the remaining 15 years. This provides a steady, manageable income that replaces Mark's salary, making budgeting for household bills and childcare costs much simpler during a difficult time.
A Word on Inheritance Tax: The Gift Inter Vivos Policy
If you are fortunate enough to be in a position to gift significant assets to your children or grandchildren, you need to be aware of the 'seven-year rule' for Inheritance Tax (IHT). If you die within seven years of making the gift, it may be subject to IHT.
A Gift Inter Vivos policy is a specialised life insurance plan designed to solve this problem. It's a term assurance policy that runs for seven years, with a payout that decreases in line with the tapering IHT liability. It ensures that if you were to die within the seven-year window, the policy would pay out to cover the tax bill, meaning your loved ones receive the full value of your gift.
Unlocking Your Potential: Why Private Medical Insurance is the Ultimate Health Hack
The NHS is a national treasure, providing incredible care to millions. However, the system is under unprecedented strain. Non-urgent waiting lists have become a significant source of worry and disruption. According to the latest NHS England data, millions of people are waiting for routine consultant-led hospital treatment, with many waiting for months, or even over a year, for procedures that could dramatically improve their quality of life.
This is where Private Medical Insurance (PMI) acts as a powerful supplement, not a replacement, to the NHS. It's about giving you and your family choices and control over your healthcare journey.
The core benefits of PMI include:
- Speedy Access: Bypass long waiting lists for consultations, diagnostic scans (like MRI and CT), and surgery. This can mean getting a diagnosis and treatment in weeks, not months or years.
- Choice and Comfort: Choose your specialist, consultant, and hospital from a nationwide network. You'll often have access to a private, en-suite room for a more comfortable recovery.
- Access to a Wider Range of Treatments: Some policies provide access to drugs or treatments that may not yet be available on the NHS due to cost or licensing.
- Enhanced Mental Health Support: Many modern PMI policies include comprehensive mental health cover, providing fast access to therapy and psychiatric support, which can have long waiting lists on the NHS.
- Valuable Extras: Most providers now include 24/7 virtual GP services, wellness programmes, and discounts on gym memberships and health screenings.
PMI isn't just for the wealthy. Policies can be tailored to your budget by adjusting the level of cover, choosing a higher excess, or opting for a 'guided' consultant list. An expert broker, like our team at WeCovr, can help you navigate the options from all the major UK insurers to find a plan that delivers the best value for your specific needs.
As a company that believes in proactive wellness, we also provide our customers with complimentary access to our AI-powered calorie tracking app, CalorieHero. We believe that supporting your day-to-day health goals goes hand-in-hand with providing a safety net for when things go wrong.
Confronting the Unthinkable: Critical Illness Cover
What if you were diagnosed with a serious illness like cancer, a heart attack, or a stroke? Your focus should be 100% on recovery. But the financial reality can be harsh. You might need to take a significant amount of time off work, your partner may need to reduce their hours to care for you, and you could face extra costs for home modifications or private treatment.
Critical Illness Cover (CIC) is designed to alleviate this financial pressure. It pays out a tax-free lump sum on the diagnosis of one of a list of specified serious conditions.
- How could the lump sum be used?
- Pay off your mortgage or other debts, removing your biggest financial burden.
- Cover your salary for a year or two, allowing you to recover without work stress.
- Adapt your home for new mobility needs.
- Fund specialist private treatment not covered by PMI or the NHS.
- Simply give you the financial freedom to spend precious time with your family.
Statistics from organisations like Cancer Research UK show that 1 in 2 people in the UK will be diagnosed with some form of cancer during their lifetime. While survival rates are constantly improving, a diagnosis is a life-changing event. Critical Illness Cover provides the financial breathing space to navigate that change on your own terms.
It's often combined with life insurance, providing a comprehensive safety net for your family against the financial impact of either death or serious illness.
Building a Bulletproof Business: Protecting Your Most Valuable Assets
For company directors and business owners, the principles of protection extend beyond the personal. A resilient business is one that has planned for the unexpected. Protecting your business is protecting your livelihood, your employees' jobs, and the value you've worked so hard to build.
Key Person Insurance: Shielding Your Business from the Loss of a Star Player
Who is indispensable to your business? Is it the founder with the vision and industry contacts? The lead developer with unique technical knowledge? The salesperson who brings in 40% of the revenue?
Key Person Insurance is a policy taken out by the business on the life or health of such a crucial employee. If that person were to die or be diagnosed with a critical illness and be unable to work, the policy pays a lump sum directly to the business. This money can be used to:
- Cover the cost of recruiting and training a replacement.
- Repay a business loan that the key person had guaranteed.
- Compensate for a projected loss in profits or revenue during the disruption.
- Reassure investors, lenders, and clients that the business can and will continue.
Shareholder and Partnership Protection: Ensuring a Smooth Transition
Imagine you run a successful business with a 50/50 partner. If your partner were to die, what happens to their 50% share? Under inheritance law, it would likely pass to their spouse or children.
Suddenly, you could find yourself in business with someone who has no experience, no interest in the company, or different ideas about its future. They might even want to sell their shares to a competitor.
Shareholder or Partnership Protection prevents this nightmare scenario. It's an agreement, backed by life insurance policies, that ensures the surviving partners have the funds to buy the deceased's shares from their estate at a pre-agreed price. This guarantees a smooth transition, maintains control for the remaining owners, and ensures the deceased's family receives fair value for their shares in cash.
Relevant Life Cover: A Tax-Efficient Perk for Your People
Want to offer a valuable death-in-service benefit but are too small for a full group life scheme? Relevant Life Cover is the answer.
It's a standalone life insurance policy, paid for by the company, for an individual employee (including directors).
- For the Company: The premiums are generally considered a tax-deductible business expense.
- For the Employee: It's not treated as a P11D benefit-in-kind, so there's no extra income tax to pay. The payout is made to a discretionary trust, so it typically doesn't form part of their estate for IHT purposes.
It's a win-win, allowing small businesses to compete with larger corporations on employee benefits in a highly cost-effective way.
Navigating the Maze: Why Expert Advice is Non-Negotiable
The world of protection insurance is complex. The policies are nuanced, the terminology can be confusing, and the consequences of getting it wrong can be devastating. This is not a time for guesswork or choosing the cheapest option on a comparison website without understanding the details.
Using an independent, expert broker like WeCovr is not an extra cost; it's an invaluable investment in getting it right.
- Expertise: We live and breathe this market. We understand the differences between insurers' definitions, their claims statistics, and which products are best suited for different professions and life stages.
- Whole-of-Market Access: We can compare policies and prices from all the major UK insurers, ensuring you see the full picture, not just the offerings of a single company.
- Tailored Advice: We take the time to understand you, your family, your business, and your budget. We then recommend a bespoke protection portfolio designed to meet your specific needs.
- Application Support: We help you with the application forms, ensuring they are completed accurately to avoid any issues at the point of a claim.
- A Champion in Your Corner: If the worst happens and you need to claim, we are there to support and guide you through the process.
Your Practical Steps to Building a Resilient Future
Feeling motivated to move beyond affirmations and into action? Here is your 2025 self-development checklist for building true resilience.
- Audit Your Reality: Take a clear-eyed look at your situation. What are your monthly outgoings? What debts do you have (mortgage, loans)? Who depends on your income? What savings do you have? What cover, if any, do you have through your employer?
- Define Your 'Why': What is most important for you to protect? Is it keeping your family in their home? Is it ensuring your children can go to university? Is it safeguarding your business from collapse? Having a clear 'why' makes the 'how' much easier.
- Quantify Your Needs: Use some simple rules of thumb as a starting point. For life cover, aim for 10 times your annual salary. For income protection, cover your essential monthly outgoings up to around 65% of your gross income.
- Explore Your Options: Get familiar with the concepts in this guide: Income Protection, Life Cover, Critical Illness Cover, and Private Medical Insurance. Think about which ones are priorities for you right now.
- Seek Professional Advice: This is the most crucial step. Talk to an expert. A 30-minute conversation with a specialist adviser can provide more clarity and value than 10 hours of solo online research. They will help you build a plan that is both affordable and robust.
From Surviving to Thriving: The True Meaning of a Well-Lived Life
True personal development is about creating the conditions for growth. It's about building a life where you are free to pursue your passions, take calculated risks, and be present for your loved ones without a constant hum of financial anxiety in the background.
Protecting your income, health, and family isn't a cost; it's an investment in peace of mind. It’s the solid foundation that allows you to stop worrying about sheer survival and start focusing on truly thriving. It is the ultimate act of self-care and the most intelligent strategy for future-proofing your flourish in 2025 and for all the years to come.
Is protection insurance really expensive?
The cost of protection insurance varies significantly based on your age, health, lifestyle (e.g., whether you smoke), occupation, the type of cover you want, the amount of cover, and the policy term. However, it is often much more affordable than people think. For example, a healthy 30-year-old could get significant life insurance cover for the price of a few cups of coffee a week. An adviser can tailor a plan to fit your budget by adjusting cover levels and features.
Do I need a medical exam to get cover?
Not always. For many people, cover can be arranged simply by answering a series of health and lifestyle questions on the application form. For larger amounts of cover, or if you have pre-existing health conditions, the insurer may request more information, such as a report from your GP or a mini-medical exam (often just a nurse visit to check your height, weight, blood pressure, and take a blood/urine sample), which they will pay for.
What if I have a pre-existing medical condition?
It is still possible to get cover. You must declare any pre-existing conditions on your application. The insurer will then decide how to proceed. They might offer cover on standard terms, increase the premium, or place an 'exclusion' on the policy, meaning you cannot claim for issues related to that specific condition. In some cases, they may decline to offer cover. A specialist broker is invaluable here, as they know which insurers are more sympathetic to certain conditions.
Can I combine different types of cover?
Yes, it's very common to take out a 'menu' plan where you combine different types of cover under a single policy. For example, you could have a plan that includes life insurance, critical illness cover, and income protection. This can sometimes be more convenient and cost-effective than taking out multiple separate policies. However, it's important to understand how a claim on one part of the policy might affect the others.
Why should I use a broker like WeCovr instead of going directly to an insurer?
Going directly to an insurer means you only get advice on their own products. An independent broker like WeCovr works for you, not the insurance company. We can compare policies from across the entire market to find the best fit for your unique circumstances and budget. We provide impartial expert advice, help with the complex application process, and can offer support if you ever need to make a claim, saving you time, money, and stress.
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!