Future-Proofing Freedom
The 2025 Blueprint for Unstoppable Personal Growth: Discover How Building Unseen Financial Foundations – Including Robust Income Protection for All, Specialized Personal Sick Pay for Tradespeople and Nurses, Comprehensive Family Income Benefit, Critical Illness and Life Protection, and Strategic Gift Inter Vivos – Liberates You to Pursue Your Boldest Life. Understand the Vital Role of Private Health Insurance in Rapid Recovery, Especially Given the UK's Projected 1-in-2 Lifetime Cancer Diagnosis, and Why Proactive Protection Isn't Just Insurance, But the Ultimate Investment in Lasting Relationships, Personal Development, and a Life Lived Without Fear.
Imagine your boldest life. Does it involve starting a business, changing careers, travelling the world, or dedicating more time to your family and passions? Whatever your vision of freedom and personal growth looks like, it rests on a foundation. But this foundation isn't just about ambition or talent; it's about security. It's the quiet confidence that comes from knowing that if life throws you a curveball – an unexpected illness or injury – your world, and the world of those you love, won't come crashing down.
In 2025, the pursuit of a fulfilling life is inextricably linked to smart, proactive financial planning. The old certainties of a job for life and a predictable career path are gone. We live in a dynamic, exciting, but also uncertain world. This is where building unseen financial foundations becomes the ultimate act of empowerment. It’s not about fear; it’s about freedom.
This guide is your blueprint. We will explore how a comprehensive, layered protection strategy isn't just a safety net, but a launchpad. It’s the invisible architecture that supports your ambitions, protects your relationships, and gives you the licence to live fully, without the nagging anxiety of 'what if?'. From income protection for every worker and specialised cover for our vital tradespeople and nurses, to family-first benefits and rapid access to healthcare, this is your definitive guide to future-proofing your freedom.
The Unseen Foundation: Why Financial Resilience is Your Launchpad
Think of the most impressive skyscraper. What you see is the gleaming glass and steel reaching for the sky. What you don't see are the deep, reinforced concrete foundations that make it all possible. Without them, the entire structure would be vulnerable to the slightest tremor.
Your life's ambitions are that skyscraper. Your financial resilience is the foundation.
In the UK today, that foundation can feel precarious for many. The Financial Conduct Authority’s Financial Lives survey consistently reveals a worrying truth: a significant portion of UK adults have low financial resilience. A 2023 report highlighted that millions would not be able to cover their essential bills for more than a month if they lost their main source of income. This financial fragility creates a constant, low-level stress that stifles creativity and risk-taking.
How can you contemplate leaving a stable-but-unfulfilling job to start your own venture if you have no buffer? How can you invest in a new skill or take a sabbatical for personal development if an illness could wipe out your savings in weeks?
Financial resilience, fortified by protection insurance, changes the entire equation. It transforms your mindset from one of defence to one of offence.
- It creates psychological safety: Knowing your income and family home are protected frees up mental bandwidth. You can focus on growth, not just survival.
- It enables calculated risks: The freedom to pivot your career, invest in your business, or take time out for education becomes a realistic option, not a reckless gamble.
- It strengthens relationships: Financial strain is a leading cause of stress in relationships. A solid financial plan protects your loved ones from both financial and emotional turmoil during a crisis, preserving the bonds that matter most.
Building this foundation isn't a 'nice-to-have'; in the 2025 landscape, it's an absolute essential for anyone serious about personal growth.
Income Protection: The Bedrock of Your Financial Plan
If you could only choose one type of protection insurance, this would almost certainly be it. Income Protection is the most fundamental and crucial element of any financial safety net.
What is it? Income Protection is an insurance policy that pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury. It continues to pay out until you can return to work, reach the end of the policy term, retire, or pass away, whichever comes first.
Who needs it? Every single person who relies on their earned income to pay their bills. Whether you're a self-employed graphic designer, a salaried manager, a freelancer, or a company director, your ability to earn an income is your most valuable asset.
The state support system is far less generous than most people believe. Statutory Sick Pay (SSP) currently stands at just £116.75 per week (2024/25 rate) and is only paid by your employer for a maximum of 28 weeks. Could your household survive on less than £500 a month? For the vast majority, the answer is a resounding no.
How it works:
- Percentage of Income: You can typically cover between 50% and 70% of your gross pre-incapacity earnings.
- Deferment Period: This is the waiting period before the policy starts paying out. It can range from one day to 12 months. The longer the deferment period you choose (e.g., to match your employer's sick pay scheme or savings), the lower your premium will be.
- Definitions of Incapacity: This is crucial. 'Own Occupation' cover is the gold standard – it means the policy will pay out if you are unable to do your specific job. Other definitions like 'Suited Occupation' or 'Any Occupation' are less comprehensive and should be carefully considered.
| Feature | Statutory Sick Pay (SSP) | Typical Income Protection |
|---|---|---|
| Weekly Amount | £116.75 | 50-70% of your gross salary |
| Maximum Payout | 28 weeks | Until you return to work or retire |
| Who Qualifies? | Employees earning above a threshold | Anyone with an income |
| Taxable? | Yes | No |
As you can see, relying on the state is not a viable strategy. Income Protection is the only way to guarantee your financial stability during a period of ill health.
Specialised Protection for the UK's Backbone: Tradespeople and Nurses
While Income Protection is universal, some professions face unique risks that demand a more tailored approach. Tradespeople (electricians, plumbers, builders) and healthcare professionals like nurses are the lifeblood of our country, yet they are often more exposed to injury and illness.
The Unique Risks:
- Tradespeople: Face a significantly higher risk of physical injury from accidents. A bad fall, a hand injury, or a back problem can instantly end their ability to work on the tools. Their work is their income, with no work meaning no pay for the self-employed.
- Nurses: Experience high levels of physical and mental strain. Musculoskeletal disorders from patient handling are common, as is burnout and stress-related illness from long, demanding shifts.
For these roles, traditional long-term Income Protection can sometimes be expensive or come with exclusions due to the higher perceived risk. This is where Personal Sick Pay policies come in.
Personal Sick Pay is often a name for a type of Accident, Sickness, and Unemployment (ASU) cover, or a short-term income protection plan. It's designed to be more accessible and affordable.
Key features often include:
- Shorter Payment Periods: Unlike full Income Protection which can pay out until retirement, Personal Sick Pay policies typically have a maximum payment period of 1, 2, or 5 years per claim.
- Focus on Affordability: By limiting the payment period, premiums are kept lower, making it a viable option for those in physically demanding jobs or on tighter budgets.
- Simpler Underwriting: The application process can be more straightforward.
For a self-employed plumber, a policy that guarantees their income for two years following an injury provides an enormous safety net. It gives them time to recover, retrain if necessary, and get their business back on track without facing financial ruin. For a nurse signed off with chronic back pain, it bridges the gap that SSP could never fill.
| Feature | Full Income Protection | Personal Sick Pay (Short-Term IP) |
|---|---|---|
| Best For | Comprehensive long-term protection | Higher-risk jobs, budget-conscious |
| Payout Duration | Can be until retirement age | Fixed term, typically 1, 2, or 5 years |
| Typical Definition | 'Own Occupation' often available | Often 'Own Occupation' for first year |
| Cost | Higher premium | Lower premium |
The Modern Family Safety Net: Family Income Benefit (FIB)
When we think of protecting our families, traditional life insurance – a large, single lump sum payment on death – is often the first thing that comes to mind. While valuable, it’s not always the most practical or efficient solution for a young family.
Enter Family Income Benefit (FIB).
FIB is a type of life insurance, but instead of paying out a single lump sum, it pays out a regular, tax-free monthly or annual income to your dependents. The payments start upon your death and continue until the end of the policy term you originally chose.
Why is this a game-changer for families?
- Replicates Lost Income: Its primary purpose is to replace the breadwinner's lost monthly salary. This makes managing household finances infinitely simpler for the surviving partner, who is already dealing with immense grief. There’s no need to suddenly become an expert investment manager for a large sum of money.
- Covers Ongoing Costs: The regular income stream is perfectly designed to cover the relentless rhythm of family expenses: the mortgage, council tax, utility bills, food, childcare, and school fees.
- Incredibly Cost-Effective: Because the insurer's potential liability decreases as the policy term progresses (i.e., if you die with 5 years left on a 20-year policy, they only pay for 5 years), the premiums for FIB are often significantly lower than for a level-term life insurance policy providing a similar level of overall security.
Example Scenario: A couple, both aged 35, have two young children (aged 4 and 6) and a mortgage with 25 years remaining. They want to ensure that if one of them were to pass away, the family could maintain their standard of living until the children are financially independent.
- Option A (Lump Sum): They take out a £500,000 level term policy. If one dies, the survivor receives £500,000. They now have to manage this sum to make it last for 20+ years.
- Option B (FIB): They take out a FIB policy set to pay out £2,500 per month (£30,000 per year) until the youngest child is 25. This directly replaces a portion of lost income, covers bills, and provides stability without the stress of managing a large investment. This option is almost always the more affordable choice.
For modern families, FIB provides a smarter, more intuitive, and budget-friendly way to secure their future.
Facing the Unthinkable: The Critical Role of Life and Critical Illness Cover
The statistics on serious illness in the UK are sobering. According to Cancer Research UK, it is projected that 1 in 2 people in the UK born after 1960 will be diagnosed with some form of cancer during their lifetime. Add to this the prevalence of other major conditions like heart attacks and strokes, and the need for a financial buffer becomes crystal clear.
This is where Critical Illness Cover (CIC) provides a vital lifeline.
What is Critical Illness Cover? CIC pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious illnesses defined in the policy. The core conditions covered by almost all insurers are cancer, heart attack, and stroke, but most comprehensive policies cover 50+ conditions, and some even cover over 100.
This lump sum is designed to remove financial pressure at a time of immense emotional and physical strain. It gives you choices and control when you need them most.
How the money can be used:
- Pay off your mortgage or other debts, removing a huge financial burden.
- Cover lost earnings for you or a partner who needs to take time off to care for you.
- Fund private medical treatment not available on the NHS.
- Pay for adaptations to your home, such as a wheelchair ramp or downstairs bathroom.
- Simply give you the financial freedom to recuperate without worrying about bills.
Life Protection (Life Insurance) While Critical Illness Cover protects you during life, Life Protection is the ultimate backstop for your loved ones after you're gone. It provides a lump sum payment on death, most commonly used to clear a mortgage and provide a financial legacy for the family.
Navigating the complexities of these policies, from the number of conditions covered to the specific definitions used, can be daunting. At WeCovr, we help you compare plans from all major UK insurers to find the policy with the right definitions and coverage for your specific needs, ensuring there are no nasty surprises when you might need to claim.
| Policy | Pays Out When... | Payment Type | Primary Purpose |
|---|---|---|---|
| Income Protection | You can't work due to any illness/injury | Regular Monthly Income | Replace your lost salary |
| Critical Illness | You are diagnosed with a specified illness | One-off Lump Sum | Remove financial stress during illness |
| Life Insurance | You pass away | One-off Lump Sum | Clear debts & provide for loved ones |
The Accelerator to Recovery: Why Private Health Insurance is a Game-Changer
The NHS is a national treasure, and its staff perform miracles every day. However, it's no secret that the system is under unprecedented strain. As of early 2025, waiting lists for consultations, diagnostic scans, and elective treatments remain at historic highs. When you're dealing with a health concern, particularly something as serious as suspected cancer, waiting is the last thing you want to do.
This is where Private Health Insurance (PMI) acts as a powerful accelerator to your diagnosis and recovery.
PMI is not about replacing the NHS; it’s about complementing it, giving you speed, choice, and comfort.
The Key Advantages of PMI:
- Speedy Diagnosis and Treatment: This is the number one benefit. PMI allows you to bypass lengthy NHS queues for specialist consultations, MRI/CT scans, and surgical procedures. In cancer care, where early diagnosis and treatment are proven to dramatically improve outcomes, this speed can be life-altering.
- Choice and Control: You can choose your specialist or surgeon and select the hospital where you want to be treated. This sense of control can be incredibly reassuring during a stressful time.
- Access to Specialist Care: Some policies provide access to the latest drugs and treatments that may not yet be available on the NHS due to cost or NICE approval delays.
- Comfort and Privacy: Treatment is typically in a private hospital with your own en-suite room, offering a more comfortable and restful environment for recovery.
- Enhanced Mental Health Support: A huge and growing benefit of modern PMI policies is the fast-track access to mental health services. Many now include cover for talking therapies, counselling, and psychiatric support with minimal waiting times, acknowledging that mental and physical health are deeply intertwined.
We believe proactive health management is as important as reactive treatment. That's why, in addition to finding you the best insurance policies, WeCovr provides all our clients with complimentary access to our AI-powered calorie and nutrition tracker, CalorieHero. It's part of our commitment to your total wellbeing, helping you build healthy habits that can reduce your long-term health risks.
For the Entrepreneurs and Directors: Fortifying Your Business
If you're a business owner, company director, or key decision-maker, your personal financial plan is intrinsically linked to the health of your business. The "unseen foundations" need to extend to your company as well. Your greatest business asset isn't the office or the stock; it's you and your key people.
Key Person Insurance Imagine your top salesperson, a genius coder, or your managing director is suddenly unable to work for a year due to a serious illness. What would the financial impact be on your business? Lost revenue, delayed projects, recruitment costs?
Key Person Insurance is a policy taken out by the business on the life or health of a crucial employee. If that person dies or suffers a critical illness, the policy pays a lump sum directly to the business. This cash injection can be used to:
- Cover a drop in profits during the disruption.
- Recruit and train a replacement.
- Reassure lenders and investors that the business can weather the storm.
Executive Income Protection This is a high-level Income Protection policy paid for by the company, for the benefit of a director or key employee. It's an extremely valuable and tax-efficient employee benefit.
- For the Business: The premiums are typically treated as an allowable business expense, reducing the company's corporation tax bill.
- For the Employee: It doesn't count as a P11D benefit-in-kind, so there's no personal tax to pay on the premium. The benefit, if paid, is paid to the company which then pays it to the employee via PAYE. It provides a far more robust safety net than a standard group scheme.
For ambitious business leaders, these policies are not costs; they are strategic investments in continuity and stability, allowing the business to thrive even when faced with personal crises.
Strategic Legacy Planning: The Power of Gift Inter Vivos
As you build wealth, your thoughts may turn to your legacy and how you can help the next generation. A common desire is to gift a substantial sum of money, perhaps for a house deposit or to start a business. However, without careful planning, your generosity could come with an unexpected Inheritance Tax (IHT) bill.
This is where a Gift Inter Vivos (GIV) policy comes in. "Inter Vivos" is simply Latin for "between the living".
The 7-Year Rule Explained When you give a gift to an individual (known as a Potentially Exempt Transfer), it is not immediately free from IHT.
- If you live for 7 years after making the gift, it becomes fully exempt.
- If you die within 7 years, the gift becomes part of your estate for IHT purposes. The amount of tax due on the gift reduces over time, a process known as "taper relief".
How GIV Insurance Works A GIV policy is a specific type of life insurance designed to cover the potential IHT liability on that gift. It's a term assurance policy, typically with a 7-year term and a decreasing sum assured that mirrors the reducing tax liability from taper relief.
If the person making the gift dies within the 7-year window, the policy pays out to cover the exact IHT bill, ensuring the recipient gets the full value of the gift as intended. It's a simple, cost-effective way to ensure your act of generosity doesn't become a tax burden for your loved ones.
| Years Between Gift and Death | IHT Rate on Gift |
|---|---|
| Less than 3 years | 40% |
| 3 to 4 years | 32% |
| 4 to 5 years | 24% |
| 5 to 6 years | 16% |
| 6 to 7 years | 8% |
| 7+ years | 0% |
The 2025 Blueprint in Action: Your Personalised Protection Strategy
We’ve covered a lot of ground. Now, let’s bring it all together into a practical, actionable blueprint. Building your fortress of financial security isn't about buying every product; it's about layering the right protection in the right order of priority.
Step 1: Assess Your Foundation Before you do anything, you need to know your numbers. What is your essential monthly outgoings (mortgage/rent, bills, food)? This is the absolute minimum income you need to protect. This figure is the bedrock of your plan.
Step 2: Prioritise Your Risks (The Protection Pyramid) Think of your protection like a pyramid. You must build the base first.
- Base Layer - Income: The biggest and most probable risk for most working people is a loss of income due to illness or injury. Income Protection is your non-negotiable foundation.
- Second Layer - Debts & Dependents: What happens if the worst occurs? Life Insurance is essential to pay off the mortgage and other large debts. Family Income Benefit is a powerful tool to provide ongoing income for your children.
- Third Layer - Serious Illness: How would you cope with the financial shock of a major illness? Critical Illness Cover provides the lump sum to give you breathing space and options.
- Apex - Health & Legacy: How can you accelerate your recovery and plan for the future? Private Health Insurance provides speed and choice in treatment. Gift Inter Vivos and other estate planning tools protect your legacy.
Step 3: Layer Your Protection Intelligently These products are designed to work together. An ideal scenario might look like this: You suffer a serious back injury. Your Income Protection kicks in after your chosen deferment period, replacing your salary. Your Private Health Insurance gets you a quick MRI scan and access to a top spinal surgeon. After surgery, the regular income allows you to recover fully without the stress of returning to work too early. The system works.
Step 4: Review and Adapt Your life is not static, and neither is your protection plan. A policy that was perfect for you as a single renter is not suitable for you as a homeowner with three children and a business. You must commit to a review every 2-3 years, or whenever a major life event occurs:
- Getting married or entering a civil partnership
- Buying a new home or increasing your mortgage
- Having children
- Changing jobs or getting a significant pay rise
- Starting a business
Building this blueprint can feel complex, but you don't have to do it alone. Our team at WeCovr specialises in creating personalised protection portfolios, searching the entire UK market to find the most suitable and cost-effective solutions for your unique journey. We take the time to understand your vision for the future and build the unseen foundations that will help you achieve it.
Isn't protection insurance too expensive?
Do insurers actually pay out?
I'm young and healthy, why do I need this now?
Can I get cover if I have a pre-existing medical condition?
What's the difference between Income Protection and Critical Illness Cover?
Income Protection pays a regular monthly income if ANY medical condition (from a bad back to cancer) stops you from working. Its goal is to replace your salary.
Critical Illness Cover pays a one-off, tax-free lump sum if you are diagnosed with a SPECIFIC serious illness listed on the policy. Its goal is to provide a financial cushion to reduce debt and cover major one-off costs. Many people choose to have both to create a comprehensive safety net.
How does WeCovr help me find the right policy?
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:
Our Group Is Proud To Have Issued 800,000+ Policies!
We've established collaboration agreements with leading insurance groups to create tailored coverage
How It Works
1. Complete a brief form
2. Our experts analyse your information and find you best quotes
3. Enjoy your protection!
Any questions?
Learn more
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!