Future-Proofing Your Potential: The Financial Resilience Blueprint
The 2025 Resilience Revolution: Why True Personal Growth and a Secure Future Hinge on Proactive Financial Protection Against Life's Unpredictable Health Shocks – From Cancer's Shadow (Projected to Affect 1 in 2 UK Individuals) to Injury's Impact on Tradespeople, Nurses, and Electricians. Uncover How Family Income Benefit, Income Protection, Life and Critical Illness Cover, Personal Sick Pay, Life Protection, Gift Inter Vivos, and Private Health Insurance Are Your Ultimate Blueprint for Uninterrupted Living and Lasting Legacy.
The pursuit of personal growth, career ambition, and a fulfilling life is the great journey of our time. We invest in our education, our skills, and our wellbeing. We build businesses, raise families, and plan for a future filled with promise. Yet, in our forward-looking charge, we often overlook the very foundation upon which these ambitions are built: our health and our ability to earn an income.
In 2025, the concept of resilience is undergoing a revolution. It’s no longer just about having a rainy-day fund. True resilience is about creating a comprehensive financial fortress, a blueprint designed to withstand the unpredictable health shocks that can derail even the best-laid plans. The statistics are not just numbers on a page; they are a call to action. Projections from Cancer Research UK starkly predict that one in two people in the UK will be diagnosed with cancer in their lifetime. This isn't a remote possibility; it's a mainstream probability.
This isn't just about one disease. It's about the sudden injury that sidelines a self-employed electrician, the burnout that forces a dedicated nurse to step back, or the chronic illness that prevents an office worker from commuting. In a world of economic uncertainty and strained public services, leaving your financial future to chance is a gamble too great to take.
This guide is your definitive blueprint. We will demystify the essential tools of financial protection—from Income Protection and Critical Illness Cover to more specialised solutions like Gift Inter Vivos and Executive Income Protection. This is your guide to future-proofing your potential, securing your legacy, and ensuring that no matter what life throws your way, your progress remains uninterrupted.
The Modern Landscape of Risk: Why 2025 Demands a New Approach
We are living longer, but not always in perfect health. The modern world presents a unique cocktail of risks to our financial stability, making proactive protection more critical than ever.
The Health Reality Check
The optimistic view of modern medicine is that we can treat more conditions than ever before. The realistic view is that surviving a serious illness often comes with a significant, and often unexpected, financial cost.
- The Shadow of Cancer: As mentioned, Cancer Research UK's forecast that 1 in 2 of us will face a cancer diagnosis is a sobering headline. While survival rates have dramatically improved, the treatment journey can be long and arduous. It often means extended time off work, not just for the patient but sometimes for a partner or family member providing care.
- Heart and Circulatory Diseases: According to the British Heart Foundation, around 7.6 million people in the UK live with conditions related to heart and circulation. A heart attack or stroke can happen suddenly, and while recovery is possible, it frequently requires a significant period of rehabilitation and a change in lifestyle, directly impacting one's ability to work.
- The Mental Health Epidemic: The conversation around mental health has opened up, but the impact on our working lives is still immense. Data from the Office for National Statistics (ONS) consistently shows mental health conditions like stress, depression, and anxiety are among the leading causes of long-term work absence in the UK.
The financial fallout from a health crisis isn't just about the immediate loss of income. It can deplete savings, increase debt, and force people to make life-altering decisions, such as selling their homes.
The Professional Peril: When Your Job Is Your Biggest Risk
Some professions carry inherent risks that make a standard savings account an inadequate safety net.
- Tradespeople (Electricians, Plumbers, Builders): For the UK's army of skilled tradespeople, their physical health is their primary asset. A fall from a ladder, a back injury from heavy lifting, or a repetitive strain injury isn't just painful—it's a direct halt to income. The Health and Safety Executive (HSE) reports that the construction industry has one of the highest rates of work-related ill health and injury, with over 53,000 workers suffering from a non-fatal injury each year.
- Nurses and Healthcare Professionals: These heroes of our society face a unique combination of physical and mental strain. Long shifts, the physical demands of patient care, high-stress environments, and the risk of contracting illnesses all contribute to a high rate of burnout and sickness absence. NHS sick pay is helpful, but it reduces over time and eventually runs out, leaving a significant income gap.
- The Self-Employed & Freelancers: The number of self-employed individuals in the UK stands at over 4 million. These entrepreneurs, consultants, and creatives are the backbone of our economy, but they are also the most financially exposed. With no employer sick pay, no holiday pay, and no workplace benefits, an inability to work, even for a few weeks, means an immediate and total loss of income.
The Economic Squeeze
Compounding these health and professional risks is the current economic climate. Many UK households have seen their savings buffers eroded by the rising cost of living. ONS data on household savings ratios shows a population less prepared for a financial shock than in previous decades. When an unexpected illness strikes, there is often little to no financial cushion to fall back on.
The Core Components of Your Financial Resilience Blueprint
Building your financial fortress requires the right tools. These insurance products are not "nice-to-haves"; they are the essential building blocks for a secure future. Let's break down what they are, who they are for, and how they work in the real world.
1. Income Protection (IP): The Bedrock of Your Plan
If you could only choose one policy, this would arguably be it. Income Protection is the unsung hero of personal finance.
- What It Is: Income Protection is a long-term insurance policy that provides a regular, tax-free replacement income if you are unable to work due to any illness or injury. It pays out after a pre-agreed waiting period (known as the "deferment period"), which can range from one day to two years, and can continue to pay out until you return to work, retire, or the policy term ends.
- Who It's For: Every single person who relies on their income to live. It is especially vital for the self-employed, freelancers, tradespeople, and anyone whose employer provides only basic Statutory Sick Pay (SSP).
- Real-Life Scenario: Sarah, a 35-year-old self-employed marketing consultant, is diagnosed with chronic fatigue syndrome. She is unable to work for over a year. After her 3-month deferment period, her Income Protection policy starts paying her £2,500 every month. This allows her to pay her rent, cover her bills, and focus on her recovery without the crippling stress of financial ruin.
| Feature | Statutory Sick Pay (SSP) | Income Protection (IP) |
|---|---|---|
| Amount | £116.75 per week (2024/25) | Up to 70% of your gross income |
| Duration | Up to 28 weeks | Until you return to work or retire |
| Coverage | Employment-based only | Any illness or injury preventing work |
| Provider | Your employer (mandated) | Your chosen insurance provider |
2. Life and Critical Illness Cover (CIC)
This is a powerful combination policy designed to tackle two of life's biggest "what ifs" in one go.
- What It Is: A policy that pays out a tax-free lump sum in one of two events: if you are diagnosed with a specific, serious illness defined in the policy, or if you pass away during the policy term.
- Who It's For: It's essential for homeowners with a mortgage, as the lump sum can clear the debt instantly. It's also crucial for families with financial dependents, providing the funds to replace a lost salary, cover future education costs, or simply offer a financial buffer during a difficult time.
- Real-Life Scenario: Mark, a 45-year-old engineer and father of two, suffers a major heart attack. His Critical Illness Cover pays out a lump sum of £200,000. He and his wife use this to pay off the majority of their mortgage, relieving them of their biggest monthly outgoing. This financial freedom allows Mark to take the necessary time to recover and transition to a less stressful role without worrying about bills.
Common conditions covered by Critical Illness policies often include:
- Most types of cancer
- Heart attack
- Stroke
- Multiple Sclerosis (MS)
- Kidney failure
- Major organ transplant
- Parkinson's disease
Policies can cover 50+ specified conditions, so it's vital to check the details.
3. Family Income Benefit (FIB): Affordable, Sensible Protection
A clever and often more affordable alternative to traditional lump-sum life insurance.
- What It Is: Instead of paying a single large lump sum on death, Family Income Benefit 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.
- Who It's For: Perfect for young families on a budget. The goal is to replace the deceased's lost monthly salary to cover ongoing costs like the mortgage, bills, and childcare, rather than managing a large, potentially intimidating lump sum. It's designed to mirror a salary.
- Real-Life Scenario: A couple with children aged 3 and 5 take out an FIB policy set to run for 20 years. Tragically, one parent passes away 5 years into the policy. The policy starts paying the surviving partner a tax-free income of £2,000 every month for the remaining 15 years of the term, ensuring the family's financial stability until the children are grown up.
4. Personal Sick Pay (PSP): Immediate Cover for Hands-On Workers
Sometimes known as Accident, Sickness & Unemployment cover, this is a short-term form of income protection designed for immediate needs.
- What It Is: A policy designed to start paying out very quickly after you're unable to work, often after a deferment period of just one day or one week. Payouts are typically limited to 12 or 24 months.
- Who It's For: It is tailor-made for tradespeople, manual labourers, nurses, and anyone in a riskier job who cannot afford any gap in their income. If a broken arm means you can't work from Monday, you need a policy that can start paying you by Friday, not in three months' time.
- Real-Life Scenario: An electrician falls from a stepladder and fractures their wrist, putting them out of action for 8 weeks. Their Personal Sick Pay policy, with a one-week deferment period, kicks in after the first 7 days. It pays them a weekly benefit that covers their essential outgoings, preventing them from having to dip into savings or go into debt while they heal.
5. Life Protection (Term Life Insurance): The Foundational Safety Net
This is the simplest and most common form of life insurance.
- What It Is: A policy that pays out a set, tax-free lump sum if the insured person dies within a specific timeframe (the "term"). There are two main types:
- Level Term: The payout amount remains the same throughout the policy. Ideal for leaving a legacy or covering an interest-only mortgage.
- Decreasing Term: The payout amount reduces over time, usually in line with a repayment mortgage. This makes it a cheaper option specifically for mortgage protection.
- Who It's For: Anyone with a mortgage or dependents who would suffer financially from their death. It is the most straightforward way to ensure your largest debt is paid off and your loved ones are provided for.
- Real-Life Scenario: A couple buys their first home with a 25-year, £300,000 repayment mortgage. They take out a joint decreasing term life insurance policy for the same term and amount. If one of them were to pass away during the 25 years, the policy would pay out and clear the outstanding mortgage balance, allowing the surviving partner to remain in their home without financial pressure.
Advanced Strategies: For Business Owners & Estate Planners
Financial resilience isn't just a personal matter. For business owners and those with significant assets, the blueprint needs to be more sophisticated.
For Company Directors and Business Owners
Your business is not just an asset; it's a living entity that depends on its key people. Protecting it is paramount.
- Key Person Insurance: Imagine your business's most valuable employee—perhaps a star salesperson, a technical genius, or even yourself—is suddenly unable to work due to critical illness or death. Key Person Insurance is a policy owned and paid for by the business. The payout provides the capital to manage the disruption, whether that's hiring a replacement, covering lost profits, or reassuring lenders.
- Executive Income Protection: This is a superior form of Income Protection taken out by a limited company for its directors and employees. The premiums are paid by the business and are typically treated as an allowable business expense. The benefit is paid to the business, which then pays the employee via PAYE. It's a highly tax-efficient way to offer a premium benefit that attracts and retains top talent.
- Relevant Life Cover: Think of this as a "death-in-service" benefit for a small company that doesn't have a full group scheme. It's a company-paid life insurance policy for an individual employee or director. The premiums are an allowable business expense, and the benefits are paid tax-free to the employee's family, outside of their pension lifetime allowance.
For Those Planning Their Legacy
Passing on your hard-earned wealth requires careful planning to be as efficient as possible.
- Gift Inter Vivos Insurance: The name might sound complex, but the purpose is simple and brilliant. In the UK, if you gift a large sum of money or an asset (a "Potentially Exempt Transfer") and then pass away within seven years, the recipient may be liable for Inheritance Tax (IHT). A Gift Inter Vivos policy is a specific type of life insurance designed to pay out and cover that exact IHT bill.
- How it works: A 70-year-old grandfather gifts his granddaughter £150,000 for a house deposit. He takes out a 7-year Gift Inter Vivos policy. If he passes away in year 4, the gift becomes subject to IHT. The insurance policy pays out the exact amount needed to cover the tax bill, ensuring his granddaughter receives the full, intended benefit of his gift. It's the ultimate act of thoughtful estate planning.
The Wellness Connection: Health, Wealth, and Private Medical Insurance
Your financial resilience blueprint is not complete without considering the very thing it’s designed to protect: your health. Proactive health management and swift medical access are two sides of the same coin.
The Role of Private Health Insurance (PMI)
With NHS waiting lists reaching record highs in 2025, waiting for a diagnosis or treatment can mean months of pain, uncertainty, and inability to work. This is where PMI becomes a game-changer.
- What It Is: Private Health Insurance is a policy that covers the cost of private medical care for eligible acute conditions. It allows you to bypass NHS queues for specialist consultations, diagnostic scans (like MRI and CT), and surgical procedures.
- How It Complements Your Blueprint:
- Faster Diagnosis: Get clarity on your condition quickly.
- Faster Treatment: Access surgery or treatment at a time and hospital of your choice.
- Faster Recovery: Getting treated sooner often means a quicker recovery and a faster return to work, reducing the length of time you might need to claim on your Income Protection policy.
PMI is the accelerator for your health, working in tandem with your protection policies to minimise the disruption an illness causes to your life and your finances.
Proactive Wellness: The Ultimate Form of Protection
The best claim is the one you never have to make. A healthy lifestyle not only improves your quality of life but can also lead to lower insurance premiums. Insurers increasingly reward proactive health management.
At WeCovr, we champion this holistic view. We understand that true resilience is about more than just policies. That’s why, in addition to helping you compare plans from all major UK insurers to find the right coverage, we provide our clients with complimentary access to our exclusive AI-powered calorie tracking app, CalorieHero. It’s our commitment to supporting your health journey, empowering you to take control of your diet and wellness, which is the ultimate foundation for a secure future.
Building Your Blueprint: A Step-by-Step Guide
Feeling overwhelmed? Don't be. Building your resilience blueprint is a logical process. Here’s how to start.
- Conduct a Financial Health Check: Get a clear picture of your finances. List your monthly income, essential outgoings (mortgage/rent, bills, food), debts, and any savings. Use a simple spreadsheet.
- Identify Your Vulnerabilities: Ask the tough questions. What would happen if your income stopped tomorrow? Who depends on you financially? What is your employer's sick pay policy? Be honest about your weak spots.
- Review Your Existing Cover: Do you have any "death-in-service" benefits from your employer? An old policy you've forgotten about? Understand what you already have before you decide what you need.
- Prioritise Your Needs: You may not be able to afford every type of cover at once. Prioritise based on risk. For most people, the hierarchy looks like this:
- Priority 1: Protect Your Income. Income Protection is fundamental.
- Priority 2: Protect Your Home. Decreasing Term Life Insurance to cover the mortgage.
- Priority 3: Protect Your Family. Critical Illness Cover and/or Level Term Life/FIB to provide a financial cushion.
- Seek Expert, Independent Advice: This is not a DIY project. The protection market is complex, with dozens of providers and hundreds of policy variations. An expert adviser’s job is to understand your unique circumstances and navigate the market for you. This is where a specialist broker like WeCovr is invaluable. We don't work for an insurance company; we work for you. We compare the whole market to find the right policies at the right price, ensuring your blueprint is robust, affordable, and perfectly tailored to your life.
Conclusion: Take Control of Your Future Today
The 2025 Resilience Revolution is a personal one. It is a shift in mindset from hoping for the best to planning for the worst. It’s about acknowledging the very real risks we face—from the statistical certainty of rising cancer rates to the everyday dangers faced by a tradesperson on a job site—and taking decisive, proactive steps to neutralise them.
Financial protection is not an expense; it is an investment in everything you hold dear. It’s the peace of mind that allows you to pursue your ambitions without fear. It’s the safety net that ensures your family's home is secure. It's the mechanism that guarantees a health shock doesn't become a lifelong financial crisis.
Don't leave your future, your potential, and your legacy to chance. Build your financial resilience blueprint today and secure the life you are working so hard to create.
Is life insurance expensive?
This is a common myth. The cost of life insurance, income protection, and critical illness cover depends on several factors: your age, health, lifestyle (e.g., whether you smoke), the amount of cover you need, and the length of the policy. For a healthy non-smoker in their 30s, significant cover can often be secured for less than the cost of a few weekly coffees. A broker can help you find the most affordable options that meet your needs.
Do I need income protection if I have savings?
While savings are crucial, ask yourself: how long would they last if your income stopped completely? A serious illness could prevent you from working for months or even years. Savings are often depleted far quicker than people expect. Income Protection is designed for these long-term scenarios, providing a continuous income to protect your savings and assets for their intended purpose, like retirement or your children's future.
Will my pre-existing conditions prevent me from getting cover?
Not necessarily. It is vital to declare all pre-existing medical conditions during your application. For minor conditions, you may be offered cover on standard terms. For more significant conditions, the insurer might place an exclusion on that specific condition or increase the premium. In some cases, cover may be declined. An experienced adviser is essential here, as they know which insurers are more favourable for certain conditions.
How much cover do I actually need?
There's no one-size-fits-all answer. For life insurance, a common rule of thumb is to cover your mortgage and any other debts, plus a lump sum equivalent to 10-15 times your annual salary. For income protection, you can typically cover 50-70% of your gross income. A financial adviser will conduct a full needs analysis with you to calculate a precise figure based on your specific circumstances and budget.
Can I trust insurers to pay out?
Yes. The idea that insurers avoid paying claims is a harmful and outdated misconception. According to the Association of British Insurers (ABI), UK insurers pay out over 97% of all protection claims. The vast majority of declined claims are due to "non-disclosure"—where the applicant was not truthful about their health or lifestyle during the application—or because the condition claimed for was not covered by the policy. This is why honesty during application and understanding your policy documents are so important.
What's the difference between Personal Sick Pay and Income Protection?
The main differences are the waiting period and the payout duration. Personal Sick Pay (PSP) is for short-term needs, with very short waiting periods (e.g., 1 day) and a limited payout term (usually 1-2 years). It's ideal for manual workers who need immediate cash flow. Income Protection (IP) is for long-term incapacity, with longer waiting periods (e.g., 1 to 12 months) but the ability to pay out until you reach retirement age. Many people have both: a PSP policy for immediate needs and an IP policy for long-term security.
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!
There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!
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
Working with leading UK insurers
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!