Future-Proof Your Potential: Growth, Health, and Legacy
TL;DR
Imagine a life where unexpected illness or injury doesn't shatter your dreams, derail your relationships, or cripple your personal development. With nearly 1 in 2 people in the UK projected to face a cancer diagnosis in their lifetime, as highlighted by Macmillan Cancer Support statistics extending into 2025, the conversation about safeguarding your future has never been more critical. This is not just about insurance; it's about strategic freedom.
Key takeaways
- Long-Term Sickness: According to the ONS, over 2.8 million people were economically inactive due to long-term sickness in early 2024, a record high. The financial impact extends far beyond the individual, affecting families and the wider economy.
- Statutory Sick Pay (SSP): The state-provided SSP is a minimal safety net. At just over £116 per week (for the 2024/25 tax year), it is rarely sufficient to cover mortgage or rent payments, utility bills, and food costs, let alone support any dependents.
- The Rise of Self-Employment: With over 4 million self-employed individuals in the UK, a huge segment of the workforce has no access to employer-sponsored sick pay schemes at all. For a freelancer, tradesperson, or consultant, a week off sick means a week with zero income.
- Who needs it? Almost every working adult. It's particularly critical for the self-employed, freelancers, contractors, and those in jobs with limited sick pay entitlements, such as tradespeople or nurses.
- Key Features:
Imagine a life where unexpected illness or injury doesn't shatter your dreams, derail your relationships, or cripple your personal development. With nearly 1 in 2 people in the UK projected to face a cancer diagnosis in their lifetime, as highlighted by Macmillan Cancer Support statistics extending into 2025, the conversation about safeguarding your future has never been more critical. This is not just about insurance; it's about strategic freedom. Discover how robust financial safeguards like Family Income Benefit, Income Protection, Critical Illness Cover, and specialized Personal Sick Pay for hardworking individuals – from tradespeople to nurses and electricians – alongside comprehensive Life Protection and Gift Inter Vivos, are the foundational pillars for not just surviving, but thriving, even when life throws its toughest curveballs. Coupled with these, private health insurance provides faster access to diagnostic tests, specialist consultations, and treatment options, often in private facilities, allowing individuals to bypass NHS waiting lists and receive bespoke care that supports a quicker return to health and productivity. Learn how proactive planning transforms uncertainty into a launchpad for unparalleled personal growth, enduring peace of mind, and a powerful legacy.
The idea of 'future-proofing' can seem abstract, a task for another day. Yet, the reality is that the future arrives one day at a time, and its stability is built on the decisions we make today. In an era of economic uncertainty and stretched public services, relying solely on hope or the state for a safety net is a high-stakes gamble.
True financial and personal resilience isn't about avoiding life's challenges—it's about having a robust plan that allows you to face them head-on, without sacrificing your long-term goals. It's the freedom to focus on recovery, not bills. It's the peace of mind that allows you to be present with your loved ones. It’s the confidence to pursue your ambitions, knowing you have a financial bedrock beneath you. This guide will demystify the tools available to you, transforming the complex world of protection insurance into a clear, actionable strategy for a secure and prosperous future.
The Modern-Day Safety Net: Why Proactive Planning is Non-Negotiable
The social and economic landscape of the United Kingdom has evolved dramatically. While the NHS remains a cherished institution, it faces unprecedented pressures. Recent data from NHS England consistently shows referral-to-treatment waiting lists involving several million patient pathways. For many, this translates into prolonged periods of pain, uncertainty, and an inability to work.
Simultaneously, the financial buffers for the average UK household are shrinking. The Office for National Statistics (ONS) has highlighted that a significant portion of households have minimal savings, often less than a few months' worth of essential expenses. When a primary earner is forced out of work due to illness or injury, the financial consequences can be swift and severe.
Consider these sobering facts:
- Long-Term Sickness: According to the ONS, over 2.8 million people were economically inactive due to long-term sickness in early 2024, a record high. The financial impact extends far beyond the individual, affecting families and the wider economy.
- Statutory Sick Pay (SSP): The state-provided SSP is a minimal safety net. At just over £116 per week (for the 2024/25 tax year), it is rarely sufficient to cover mortgage or rent payments, utility bills, and food costs, let alone support any dependents.
- The Rise of Self-Employment: With over 4 million self-employed individuals in the UK, a huge segment of the workforce has no access to employer-sponsored sick pay schemes at all. For a freelancer, tradesperson, or consultant, a week off sick means a week with zero income.
This isn't about fear-mongering; it's about a realistic assessment of risk. Proactive financial planning, specifically through protection insurance, is no longer a luxury—it is a fundamental component of modern financial health. It acts as your personal safety net, tailored to your specific needs, ready to catch you when you need it most.
Decoding Your Financial Shield: A Guide to Personal Protection Insurance
Understanding the different types of protection available is the first step toward building your bespoke financial shield. Each product serves a distinct purpose, and they often work best in combination, creating a comprehensive web of support.
Income Protection (IP): Your Monthly Salary Safeguard
Often considered the cornerstone of personal protection, Income Protection insurance is designed to do one thing: replace a significant portion of your monthly income if you are unable to work due to any illness or injury.
How it works: If you're signed off work by a doctor, your IP policy will pay you a regular, tax-free monthly benefit after a pre-agreed waiting period (known as the 'deferment period'). This benefit continues until you can return to work, the policy term ends, or you retire, whichever comes first.
- Who needs it? Almost every working adult. It's particularly critical for the self-employed, freelancers, contractors, and those in jobs with limited sick pay entitlements, such as tradespeople or nurses.
- Key Features:
- Deferment Period: This can range from 4 weeks to 52 weeks. A longer deferment period means a lower premium, so you can align it with any employer sick pay or savings you have.
- Level of Cover: You can typically insure up to 50-70% of your gross annual income.
- Definition of Incapacity: Policies can be on an 'Own Occupation', 'Suited Occupation', or 'Any Occupation' basis. 'Own Occupation' is the most comprehensive, as it pays out if you are unable to do your specific job.
| Feature | Description | Why It Matters |
|---|---|---|
| Deferment Period | The time you wait before payments start. | Align this with your savings or work sick pay to manage premium costs. |
| Payment Term | How long the policy pays out for (e.g., 2 years, 5 years, or until retirement). | A 'full term' policy provides the most robust long-term security. |
| 'Own Occupation' | Pays out if you can't do your specific job. | The gold standard. Essential for specialists like surgeons or electricians. |
| Guaranteed Premiums | Your premiums are fixed for the life of the policy. | Provides budget certainty and protects against future price rises. |
A Note on Personal Sick Pay: For those in higher-risk occupations like construction or manual trades, some insurers offer specialised 'Personal Sick Pay' policies. These are often shorter-term income protection plans, designed to cover immediate loss of earnings with shorter deferment periods and payment terms (typically 1 or 2 years), making them a more affordable and targeted solution.
Critical Illness Cover (CIC): A Financial Lifeline on Diagnosis
While Income Protection helps with the monthly bills, Critical Illness Cover provides a one-off, tax-free lump sum if you are diagnosed with one of a list of predefined serious illnesses.
The 'big three' conditions typically covered are cancer, heart attack, and stroke, which account for the majority of claims. However, modern policies often cover 50+ conditions, including multiple sclerosis, kidney failure, major organ transplant, and Parkinson's disease.
How can the lump sum be used? The power of CIC is its flexibility. The money is yours to use as you see fit, providing financial breathing space at a time of immense stress. Common uses include:
- Paying off a mortgage or other debts.
- Funding private medical treatment or specialist consultations.
- Adapting your home (e.g., installing a ramp or stairlift).
- Replacing a spouse's or partner's income so they can take time off to care for you.
- Simply covering living costs to allow you to focus entirely on recovery.
According to the Association of British Insurers (ABI), the average pay-out for a critical illness claim is over £67,000. This single payment can be transformative, preventing a health crisis from becoming a financial catastrophe.
Life Insurance (Life Protection): Securing Your Loved Ones' Future
Life Insurance is perhaps the most well-known form of protection. It pays out a lump sum (or a regular income) to your beneficiaries upon your death. Its primary purpose is to ensure that your dependents do not suffer financial hardship after you're gone.
There are two main types:
- Term Life Insurance: This is the most common and affordable type. It covers you for a fixed period (the 'term'), such as 25 years to match the length of your mortgage. If you pass away within the term, the policy pays out. If you outlive the term, the cover ceases and there is no pay-out.
- Whole of Life Insurance: This policy guarantees a pay-out whenever you die, as long as you have kept up with the premiums. It is more expensive but is often used for specific inheritance tax planning or to leave a guaranteed legacy.
Family Income Benefit (FIB): A Smarter Way to Protect
A clever and often overlooked alternative to standard lump-sum life insurance is Family Income Benefit. Instead of paying a large, single amount on death, FIB pays out a regular, tax-free monthly or annual income to your family.
This income is paid from the time of the claim until the end of the policy term. For example, if you took out a 25-year policy and passed away in year 5, your family would receive a regular income for the remaining 20 years.
Why choose FIB?
- Budgeting: It can be much easier for a grieving family to manage a regular income than a large lump sum. It replaces the lost monthly salary in a like-for-like way.
- Cost-Effective: Because the total potential pay-out decreases over time, FIB policies are often significantly cheaper than an equivalent level term life insurance policy.
- Peace of Mind: It provides a steady and reliable income stream to cover ongoing family expenses, from the mortgage to school fees and household bills.
Private Health Insurance (PMI): Accelerating Your Return to Health
Private Health Insurance (also known as Private Medical Insurance or PMI) is the perfect partner to the protection policies listed above. While income protection and critical illness cover protect your finances, PMI protects your health by providing faster access to high-quality medical care.
With the NHS facing significant waiting lists for diagnostics and elective procedures, PMI allows you to bypass these queues.
Key benefits include:
- Prompt access to specialists and consultants.
- Faster diagnostic tests like MRI and CT scans.
- Choice of leading hospitals and clinics.
- Private, comfortable rooms for treatment.
- Access to breakthrough drugs and treatments not yet available on the NHS.
For an employee, a business owner, or a self-employed professional, a swift diagnosis and effective treatment can mean a much faster return to work, minimising downtime and financial loss. It bridges the gap between falling ill and getting the treatment you need to recover.
For the Business Visionaries: Protecting Your Enterprise and Your Team
For company directors, business owners, and self-employed professionals, the line between personal and professional finance is often blurred. A personal health crisis can quickly become a business crisis. Specialised business protection products are designed to insulate your enterprise from such shocks.
Key Person Insurance
Who is the most important person in your business? Is it the founder with the vision, the top salesperson who brings in 50% of the revenue, or the technical expert with unique knowledge?
Key Person Insurance (or Key Man Insurance) is a policy taken out by the business on the life or health of such a crucial individual. If that person dies or suffers a specified critical illness, the policy pays a lump sum directly to the business.
This money can be used to:
- Recruit and train a replacement.
- Cover lost profits during the transition period.
- Reassure lenders and investors that the business is stable.
- Clear business debts that the key person may have guaranteed.
For a small or medium-sized enterprise (SME), losing a key person without a financial cushion can be a terminal event. This insurance protects the business itself.
Executive Income Protection
Attracting and retaining the best talent is paramount. Executive Income Protection is a policy paid for by the company that provides a generous income replacement for an employee (often a director or senior manager) if they are unable to work.
Why is it a smart business tool?
- Tax-Efficient: The premiums are typically an allowable business expense for the company.
- Superior Cover: These policies often offer higher benefit levels (up to 80% of earnings) and more comprehensive definitions of incapacity than personal plans.
- Valuable Benefit: It demonstrates a company's commitment to its employees' welfare, making it a powerful recruitment and retention tool.
- Protects the Business: It ensures a valued employee has financial security, reducing any moral or financial pressure on the business to continue paying their salary indefinitely.
Relevant Life Policies & Shareholder Protection
- Relevant Life Policy: This is a tax-efficient way for a company to provide death-in-service benefits for an employee or director. The premiums are paid by the business and are not treated as a P11D benefit-in-kind. The pay-out is made into a trust, keeping it outside the individual's estate for inheritance tax purposes.
- Shareholder/Partnership Protection: If a business partner or shareholder dies, what happens to their share of the business? Often, their family will inherit the shares. They may have no interest in running the business and may wish to sell them. Do the remaining partners have the funds to buy them out? This insurance provides the surviving owners with the capital to purchase the deceased's share of the business, ensuring a smooth transition and maintaining control.
Building a Lasting Legacy: Strategic Wealth and Inheritance Planning
Future-proofing isn't just about protecting against the bad times; it's also about maximising the good and ensuring your wealth passes efficiently to the next generation.
Gift Inter Vivos: The Inheritance Tax Shield
Inheritance Tax (IHT) is a complex area. One of its key rules relates to gifts made during your lifetime. If you give away assets (cash, property, etc.) and die within seven years, that gift may still be considered part of your estate and subject to a 40% IHT charge. This is known as a Potentially Exempt Transfer (PET).
Gift Inter Vivos insurance is a specialised life insurance policy designed to solve this problem.
How it works: Imagine you gift your child £100,000 towards a house deposit. This is a PET. If you were to pass away within 7 years, your child could face an IHT bill of up to £40,000 on that gift.
A Gift Inter Vivos policy is a life insurance plan taken out for a 7-year term. The sum assured is designed to match the potential IHT liability. The amount of cover needed reduces over the 7 years, mirroring the 'taper relief' rules of IHT. If you die within the 7 years, the policy pays out to cover the tax bill, ensuring your beneficiaries receive the full value of your gift.
It's a simple, cost-effective way to engage in estate planning with confidence.
The Power of Trusts
For both life insurance and business protection policies, using a trust is a crucial but often-missed step. Placing a policy in trust means the pay-out does not form part of your legal estate.
The benefits are twofold:
- Avoids IHT: The lump sum is paid directly to the beneficiaries and is not counted as part of your estate, so it isn't subject to the 40% tax.
- Avoids Probate: Probate is the legal process of validating a will, which can take many months. A trust bypasses this, meaning the funds can be paid to your family in a matter of weeks, providing them with cash exactly when they need it most.
Beyond Insurance: Cultivating a Lifestyle of Resilience and Growth
While financial safeguards are the foundation, true future-proofing involves a holistic approach to your health and wellbeing. A resilient lifestyle not only reduces your risk of needing to claim but also enhances your quality of life today.
The Four Pillars of Health:
- Nutrition: A balanced diet rich in fruits, vegetables, lean proteins, and whole grains is your body's best defence. It can lower the risk of many conditions covered by critical illness policies, such as heart disease, strokes, and certain cancers. Small, consistent changes are more effective than drastic diets.
- Activity: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This doesn't have to mean gruelling gym sessions. Brisk walking, cycling, swimming, or even vigorous gardening all count. Regular exercise boosts cardiovascular health, manages weight, and is a powerful tool for mental wellbeing.
- Sleep: Quality sleep is not a luxury; it is a biological necessity. Aim for 7-9 hours per night. Good sleep hygiene—like having a regular bedtime, avoiding screens before bed, and creating a dark, quiet environment—is crucial for cognitive function, immune response, and emotional regulation.
- Mental Wellbeing: Chronic stress is a significant contributor to poor health. Incorporate stress-management techniques into your daily routine. This could be mindfulness, meditation, yoga, spending time in nature, or simply dedicating time to hobbies you love. Maintaining strong social connections is also vital for mental resilience.
At WeCovr, we believe in supporting our clients' holistic health. That's why, in addition to finding you the right protection, we provide our customers with complimentary access to CalorieHero, our AI-powered nutrition and calorie tracking app. It’s a small way we can help you on your journey to a healthier, more resilient future.
Navigating the Path: How to Choose the Right Protection Portfolio
With so many options, how do you build the right portfolio for you? The key is to avoid seeing these products in isolation and instead view them as interlocking parts of a single, cohesive strategy.
1. Assess Your Needs: Start by asking some fundamental questions:
- Who depends on you financially? (Spouse, children, aging parents)
- What are your major liabilities? (Mortgage, personal loans, credit cards)
- What are your monthly essential outgoings?
- What financial support would you have if you couldn't work? (Savings, employer sick pay)
- If you're a business owner, what would happen to your business if you were unable to work?
2. Seek Independent, Expert Advice: The UK protection insurance market is vast and complex. Premiums, definitions, and claim philosophies vary significantly between insurers. Trying to navigate this alone can be overwhelming and lead to costly mistakes, such as choosing a cheaper policy with inferior terms that won't pay out when you need it.
This is where an independent expert broker like WeCovr is invaluable. Our role is not just to sell you a policy, but to act as your advocate. We take the time to understand your unique circumstances, your budget, and your goals. We then use our expertise to search the entire market, comparing policies from all the leading UK insurers to find the optimal solution for you. We explain the small print, highlight the key differences, and empower you to make an informed decision.
3. The Application Process: Honesty is the Best Policy When you apply for any protection insurance, you will be asked questions about your health, lifestyle, and occupation. It is vitally important to answer these questions fully and honestly. Withholding information (non-disclosure) is the single biggest reason for claims being declined. A good adviser will guide you through this process to ensure your application is accurate, giving you certainty that your policy will be there for you down the line.
Conclusion: From Uncertainty to Empowerment
The conversation about illness, injury, and death is never easy. But avoiding it doesn't reduce the risk—it only increases the potential for financial and emotional devastation.
Taking proactive steps to protect your income, your health, your business, and your family is one of the most empowering actions you can take. It transforms uncertainty from a source of anxiety into a manageable risk. It provides the strategic freedom to live your life more fully, to pursue personal and professional growth, and to build a lasting legacy.
Financial protection is not an expense; it is an investment in peace of mind, in stability, and in the unwavering potential of your future.
I'm young, single, and have no mortgage. Do I really need protection insurance?
Isn't this type of insurance incredibly expensive?
What if I have a pre-existing medical condition? Can I still get cover?
My employer provides a death-in-service and sick pay package. Is that enough?
What is the difference between Critical Illness Cover and Income Protection?
Why should I use a broker like WeCovr instead of going directly to an insurer?
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!