Grow Fearlessly: Your Life's Unseen Shield
In a world brimming with ambition, we chase career milestones, build businesses from scratch, nurture families, and dream of a future defined by freedom and achievement. We lay meticulous plans for our goals, yet often overlook the one foundation upon which everything is built: our health and our ability to earn. Life, in its beautiful unpredictability, has a habit of throwing curveballs.
This isn't a message of fear. It's a message of empowerment.
Imagine for a moment that you have an invisible shield. This shield doesn't stop challenges from coming your way—illness, injury, and unforeseen events are part of the human experience. Instead, it absorbs the financial and emotional shock, allowing you to focus purely on recovery, on your family, and on getting back to the business of living. This is the power of proactive protection. It's the secret ingredient that transforms crippling uncertainty into the confidence to grow fearlessly.
The 2025 Reality Check: How Proactive Protection and Private Health Cover Transforms Uncertainty into Unstoppable Personal Growth, Deeper Relationships, and True Financial Freedom Amidst Life's Inevitable Challenges
The year 2025 presents a unique landscape. We are more connected, more ambitious, and more aware of our potential than ever before. Yet, we also face a new set of pressures. The rising cost of living, persistent NHS waiting lists, and a growing awareness of mental and physical well-being have created a quiet hum of anxiety beneath the surface of our daily lives.
This underlying uncertainty can be a silent brake on our progress. It can make us hesitate before launching that business, shy away from a career change, or worry about how our family would cope if the unthinkable happened.
Proactive protection—a thoughtful combination of life insurance, critical illness cover, income protection, and private health cover—is the antidote. It's not an expense; it's an investment in your most valuable asset: you. It’s the framework that allows you to:
- Pursue Unstoppable Personal Growth: With a robust financial safety net, you are free to take calculated risks, invest in yourself, and chase audacious goals without the paralysing fear of "what if?"
- Build Deeper Relationships: When a health crisis strikes, financial stress is often the most corrosive element. Protection removes this burden, allowing you and your loved ones to focus on support, care, and healing, strengthening your bonds when it matters most.
- Achieve True Financial Freedom: Financial freedom isn't just about wealth accumulation; it's about resilience. It's knowing that your home, your family's lifestyle, and your future plans are secure, no matter what life throws at you.
This guide will demystify the world of protection and show you how to build your own unseen shield, empowering you to live a bigger, bolder, and more secure life.
The Shifting Sands of 2025: Why 'It Won't Happen to Me' is a Dangerous Myth
The tendency to believe we are immune to life's biggest challenges is a natural human bias. However, the reality painted by UK statistics tells a different story. Acknowledging these facts isn't about dwelling on the negative; it's about making informed, powerful decisions to safeguard your future.
The Health Landscape in the UK:
- Long-Term Sickness: The Office for National Statistics (ONS) reported a record high of 2.8 million people out of work due to long-term sickness in early 2024. This trend highlights the growing economic impact of ill health on UK households.
- Cancer Diagnosis: According to Cancer Research UK, there are around 375,000 new cancer cases in the UK every year. That's nearly 1,000 people every single day. While survival rates are improving, a diagnosis almost always means a significant period away from work for treatment and recovery.
- Heart and Circulatory Diseases: The British Heart Foundation states that around 7.6 million people are living with heart and circulatory diseases in the UK. A sudden event like a heart attack or stroke can instantly remove your ability to earn an income.
- NHS Waiting Times: While the NHS remains a cherished institution, it is under immense pressure. In mid-2024, the overall waiting list in England stood at over 7.5 million. The uncertainty of when you might receive treatment can add significant stress and prolong your time away from work.
This isn't just about statistics; it's about the real-world impact. A sudden loss of income combined with the emotional turmoil of a serious illness can unravel a family's financial stability with frightening speed. Savings can be depleted, debts can mount, and long-term goals like university funds or retirement plans can be derailed.
This is the reality that proactive protection is designed to solve. It is the bridge between the life you've built and the unforeseen challenges that could threaten it.
Beyond the Paycheque: The Four Pillars of Proactive Protection
Building a comprehensive shield requires understanding the different tools at your disposal. Each type of cover plays a unique role in protecting you and your loved ones from different financial shocks. Think of them as the four essential pillars supporting your financial well-being.
Pillar 1: Life Insurance – The Legacy Protector
At its core, life insurance is a promise. It’s a contract that pays out a tax-free lump sum to your loved ones if you pass away during the policy's term. This money provides an instant financial buffer, ensuring that those who depend on you are not left facing hardship.
Who needs it?
- Anyone with a mortgage.
- Parents with dependent children.
- Individuals with a financially dependent partner.
- Business owners, to protect their company or co-directors.
Key Types of Life Insurance:
| Policy Type | How It Works | Best For |
|---|---|---|
| Level Term | The payout amount remains the same throughout the policy term. | Covering an interest-only mortgage or providing a set lump sum for your family's future. |
| Decreasing Term | The payout amount reduces over time, usually in line with a repayment mortgage. | Covering a specific large debt like a repayment mortgage. Premiums are typically lower. |
| Family Income Benefit | Instead of a lump sum, it pays out a regular, tax-free income until the policy term ends. | Replacing your lost salary to cover regular family expenses, creating stability for your children. |
A specialist type of life insurance, Gift Inter Vivos, is designed for those planning their estate. If you gift assets (like property or cash) to someone, this policy can be used to cover the potential Inheritance Tax (IHT) bill if you pass away within seven years of making the gift.
Pillar 2: Critical Illness Cover – The Recovery Fund
What if you don't pass away, but are diagnosed with a life-altering illness like cancer, a heart attack, or multiple sclerosis? You might be unable to work for months, or even years. This is where Critical Illness Cover (CIC) steps in.
CIC pays out a tax-free lump sum on the diagnosis of one of a list of specified serious conditions. This money is yours to use however you see fit, providing a crucial financial lifeline during a difficult time.
How it helps:
- Clear your mortgage or other debts, removing a major financial pressure.
- Pay for private medical treatment or specialist therapies not available on the NHS.
- Adapt your home (e.g., install a ramp or stairlift).
- Allow your partner to take time off work to care for you.
- Simply replace lost income while you focus 100% on getting better.
The peace of mind that comes from knowing you have a recovery fund can be just as valuable as the money itself.
Pillar 3: Income Protection – The Monthly Safety Net
Income Protection (IP) is arguably the most fundamental protection policy for any working adult. While life and critical illness cover provide lump sums for specific events, income protection is designed to replace your monthly salary if you're unable to work due to any illness or injury.
It pays out a regular, tax-free income (typically 50-70% of your gross salary) after a pre-agreed waiting period (the 'deferred period'). This period can be set to match your employer's sick pay policy or your personal savings, from 4 weeks up to 12 months.
Crucially important for:
- The Self-Employed and Freelancers: You have no employer sick pay to fall back on. Income protection is your sick pay.
- Company Directors: An Executive Income Protection policy can be paid for by the business as a legitimate expense, making it a highly tax-efficient way to protect a director's income.
- Tradespeople, Nurses, and those in riskier jobs: For those in physically demanding roles, a shorter-term policy sometimes known as Personal Sick Pay can provide cover for less severe injuries that still keep you off the tools.
When choosing an income protection policy, the "definition of incapacity" is key. The best policies use an 'Own Occupation' definition, meaning the policy will pay out if you are unable to do your specific job. This is far superior to lesser definitions that might only pay if you're unable to do any job.
Pillar 4: Private Medical Insurance (PMI) – The Health Accelerator
Private Medical Insurance (PMI) is the fourth pillar, working in tandem with the NHS to give you more control over your healthcare. It's not about replacing the NHS, which is unparalleled for emergency and chronic care, but about complementing it.
PMI gives you access to private healthcare for acute conditions that arise after you take out the policy.
The core benefits include:
- Speed: Bypass long waiting lists for consultations, diagnosis (like MRI scans), and non-emergency surgery.
- Choice: Select the specialist, consultant, and hospital that suits you.
- Comfort: Benefit from a private room, more flexible visiting hours, and other amenities that can make a stressful time more comfortable.
- Access: Gain access to certain drugs or treatments that may not yet be available on the NHS.
In 2025, with health anxiety on the rise, the psychological benefit of knowing you can get answers and treatment quickly is immense. It reduces worry and allows you to get back to health, and back to your life, faster.
The Ripple Effect: How Protection Fuels Personal & Professional Growth
The true power of these policies isn't just in the payout. It's in the profound, positive impact they have on your life before you ever need to claim. This is the unseen, transformative effect of your shield.
The Gift of Psychological Freedom
Imagine your brain is a computer with finite processing power. Worry is a background app that consumes a huge amount of that power. Worrying about money, about "what if I get sick?", about how the family would cope—this drains your mental energy.
When you have a robust protection plan in place, you close that app. You free up immense cognitive and emotional resources. This newfound mental space allows you to:
- Be more creative: You can think bigger and more innovatively.
- Focus on your goals: Your energy is directed towards growth, not just survival.
- Take calculated risks: You have the confidence to step outside your comfort zone.
This psychological freedom is the fertile ground in which personal and professional growth flourishes.
Strengthening the Bonds of Partnership and Family
A serious illness or death in the family is an emotional earthquake. When financial panic is added to the mix, it can create aftershocks that strain even the strongest relationships. Questions like "How will we pay the mortgage?" or "Do I need to get a second job?" should never have to be asked during a time of crisis.
Protection insurance removes the financial toxicity from a terrible situation.
- It allows a grieving partner to mourn without immediate financial pressure.
- It enables a spouse to be a full-time carer, not a stressed-out bill-payer.
- It ensures your children's lives and futures remain stable and secure.
By handling the money, protection allows you and your loved ones to focus on what truly matters: each other.
The Bedrock of Business and Entrepreneurial Success
For anyone running their own business, from a sole trader to a director of a limited company, risk is part of the job description. But smart risk is always underpinned by security.
- For the Self-Employed: Income protection is your non-negotiable foundation. It's the buffer that allows you to weather a health storm without your business collapsing. It gives you the confidence to invest and expand, knowing your personal finances are secure.
- For Company Directors: You are often the engine of the business. Your health and ability to work are critical assets.
- Key Person Insurance: This protects the business itself. If a key individual (whose skills, knowledge, or contacts are vital to profit) dies or is diagnosed with a critical illness, the policy pays a lump sum to the business. This cash can be used to cover lost profits, recruit a replacement, or clear business debts. It ensures business continuity.
- Executive Income Protection: As mentioned, this is a tax-efficient way for your company to provide you with a superior income protection plan. It's a legitimate business expense, and the benefits are typically more generous than personal plans. It's a powerful tool for attracting and retaining top talent.
For entrepreneurs, these policies are not costs; they are strategic investments in the resilience and fearless growth of their enterprise.
A Practical Guide to Building Your Shield in 2025
Getting started can feel daunting, but it can be broken down into simple, manageable steps.
Step 1: Conduct a 'Reality Audit' Take a clear-eyed look at your financial life. Don't guess.
- Debts: What is your outstanding mortgage? Do you have car loans, credit cards, or business loans?
- Dependants: Who relies on your income? Your partner, children, or perhaps ageing parents?
- Income: What is your monthly take-home pay? What would happen if it stopped tomorrow?
- Savings: How many months' worth of expenses could your savings cover? This is your 'emergency fund'.
- Existing Cover: What protection do you have through your employer? Check the details—is it 'death in service' benefit only? How much sick pay do you get, and for how long? Remember, this cover is tied to your job and disappears if you leave.
Step 2: Define Your 'Why' What is the primary purpose of your protection? Getting clear on this helps determine the right type and amount of cover.
- "I want to ensure my mortgage is paid off if I die or get seriously ill." (Suggests Decreasing Term Life & Critical Illness Cover).
- "I want to make sure my family's monthly bills are covered until my kids are grown up." (Suggests Family Income Benefit and Income Protection).
- "I want to protect my business from the financial impact of me being unable to work." (Suggests Key Person and Executive Income Protection).
Step 3: Understand the Costs The cost of protection (the premium) is highly personalised. Insurers assess your individual risk based on:
- Age: The younger you are when you take out a policy, the cheaper it is.
- Health: Your current health and medical history. Pre-existing conditions may be excluded or lead to higher premiums.
- Lifestyle: Whether you smoke or vape is a major factor. Your alcohol consumption also matters.
- Occupation: An office worker will pay less than a scaffolder.
- The Policy: The amount of cover, the length of the term, and the features you choose.
Example Premiums for a Healthy 35-Year-Old Non-Smoker:
| Policy Type | Example Cover | Estimated Monthly Premium |
|---|---|---|
| Level Term Life Insurance | £250,000 over 25 years | £10 - £15 |
| Critical Illness Cover | £75,000 lump sum over 25 years | £25 - £40 |
| Income Protection | £2,500/month benefit, deferred 3 months | £30 - £50 |
These are illustrative examples only. Your actual premium will depend on your individual circumstances.
Step 4: The Power of Independent, Expert Advice You wouldn't diagnose a serious illness yourself; you'd see a doctor. The same logic applies to your financial health. While you can go directly to an insurer, you will only see their products.
This is where an independent broker like WeCovr is invaluable. Our role is to be your expert guide. We don't work for an insurance company; we work for you. We take the time to understand your 'Reality Audit' and your 'Why', and then we search the entire UK market to find the right policies from leading insurers that fit your precise needs and budget. We handle the paperwork and make the complex simple, ensuring you get the most comprehensive cover for your money.
Wellness as the First Line of Defence: Beyond Insurance
While insurance is your financial shield, a healthy lifestyle is your physical one. The two are intrinsically linked. Living a healthier life not only reduces your risk of needing to claim but can also directly result in lower insurance premiums. It's a true win-win.
- Mindful Nutrition: A balanced diet rich in whole foods, fruits, and vegetables is fundamental to preventing many long-term health conditions. Small, sustainable changes are more effective than drastic diets.
- The Power of Sleep: Consistent, quality sleep (7-9 hours for most adults) is critical for immune function, mental clarity, and stress regulation.
- Embrace Movement: You don't need to run marathons. Regular, moderate activity—like a brisk 30-minute walk each day—has profound benefits for your cardiovascular and mental health.
- Manage Your Mind: Chronic stress is a significant contributor to poor health. Techniques like mindfulness, meditation, or simply spending time in nature can have a powerful positive impact.
At WeCovr, we believe in this holistic approach. That's why we go a step further for our clients. In addition to securing your financial future, we provide complimentary access to our AI-powered wellness app, CalorieHero. This tool helps you easily track your nutrition and make positive lifestyle changes, empowering you to strengthen your first line of defence.
Busting the Myths: Common Misconceptions about Protection
Misinformation can often prevent people from getting the vital cover they need. Let's tackle some of the most common myths head-on.
Myth 1: "It's too expensive." Reality: As the table above shows, meaningful cover can cost less than a few weekly coffees or a monthly takeaway. The real question is, can you afford not to have it? The financial devastation caused by a loss of income or a critical illness is infinitely more costly than a modest monthly premium.
Myth 2: "Insurers never pay out." Reality: This is one of the most damaging and persistent myths. The data proves it wrong. According to the Association of British Insurers (ABI), in 2022, the UK insurance industry paid out over £6.8 billion in protection claims. The payout rates are consistently high:
- 97.3% of all protection claims were paid.
- 98% of life insurance claims.
- 91.6% of critical illness claims.
- 82.3% of income protection claims. The vast majority of declined claims are due to non-disclosure (not being truthful on the application) or the claim not meeting the policy's definition. Honesty and understanding your policy are key.
Myth 3: "I'm young and healthy, I don't need it yet." Reality: This is precisely the best time to get it. Premiums are locked in based on your age and health at the start of the policy. Getting cover in your 20s or 30s means you secure low premiums for the entire term. Waiting until you're older or have a health issue means you will pay significantly more, or may even be unable to get cover at all.
Myth 4: "I've got cover through my work." Reality: Employer-provided benefits are a great perk, but they have limitations. They are often basic (e.g., 2-4x salary for 'death in service'), the critical illness cover may only cover a handful of conditions, and crucially, the cover ceases the moment you leave your job. A personal policy belongs to you, providing continuous protection regardless of your employment status.
Conclusion: From Fearful to Fearless - Your 2025 Action Plan
Life is meant for living, for striving, for growing. It's meant for bold moves, passionate pursuits, and deep connections. The nagging worry of "what if?" should not be the voice that dictates the size of your ambitions.
Proactive protection is the ultimate act of self-care and responsibility. It is the unseen shield that absorbs life's financial shocks, freeing you to live more fully and fearlessly. It’s the quiet confidence that allows you to take that leap, start that business, and build the future you envision for yourself and your family, knowing that you have a rock-solid foundation beneath you.
Don't let uncertainty be the author of your story. Take control of the narrative. Your 2025 action plan is simple:
- Assess: Take stock of where you are today.
- Define: Clarify what and who you want to protect.
- Act: Take the single most important step and speak to an expert.
Your future self will thank you for it.
What is the difference between Income Protection and Critical Illness Cover?
- Critical Illness Cover pays you a one-off, tax-free lump sum if you are diagnosed with a specific, serious illness listed on your policy (like cancer or a stroke). It's designed for major life events and can be used to clear debts or pay for large one-off costs.
- Income Protection pays a regular, tax-free monthly income if you are unable to work due to any illness or injury after a set waiting period. It's designed to replace your salary and cover your ongoing living expenses until you can return to work.
Do I need to have a medical examination to get life insurance?
Can I get cover if I have a pre-existing medical condition?
How much cover do I actually need?
Is the payout from a life insurance or critical illness policy taxable?
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!