Grow Through Anything
Grow Through Anything: The Resilience Equation: Why Strategic Financial Protection — Encompassing Life, Critical Illness, Income Protection, Family Income Benefit, Personal Sick Pay for Trades and Nurses, and Even Gift Inter Vivos — Is the Ultimate Investment in Personal Growth, Robust Relationships, and Mental Well-being, Offering a Vital Buffer Against Life's Shocks and the Rising Health Challenges, Like the Projected 1 in 2 UK Cancer Diagnosis Rate, Augmented by Private Health Insurance's Critical Role in Expedited Care and Recovery.
Life, in its beautiful unpredictability, is a journey of growth. We strive to build careers, nurture families, and cultivate our own well-being. Yet, this path is rarely a straight line. It's punctuated by unexpected challenges—a sudden illness, an accident, or the loss of a loved one. These moments test our foundations. They can either derail our progress or, with the right preparation, become catalysts for profound resilience.
This is where the Resilience Equation comes into play. It's a modern framework for thriving, not just surviving. It posits that true resilience isn't just an innate psychological trait; it's a carefully constructed support system. The most critical component of this system? Strategic financial protection.
Far from being a mere 'what if' expense, a comprehensive protection portfolio is a proactive investment in your future self. It's the financial scaffolding that allows you to grow through adversity, safeguarding your mental health, strengthening your relationships, and empowering your personal development. In an era of rising health concerns—headlined by the sobering Cancer Research UK projection that 1 in 2 people will be diagnosed with cancer in their lifetime—and escalating pressures on public services, this financial buffer is no longer a luxury. It's a fundamental necessity for modern life in the UK.
This guide will deconstruct the Resilience Equation, exploring how a tailored suite of protection products, from life and critical illness cover to specialised plans for tradespeople and thoughtful estate planning tools like Gift Inter Vivos, forms the ultimate investment in a secure and flourishing life.
The Modern British Landscape: Why Resilience is Non-Negotiable
To understand the urgency of financial protection, we must first acknowledge the unique pressures of life in the UK today. Several converging factors have created an environment where a single unforeseen event can have a disproportionately large impact on a household's stability.
The Health Challenge: A Statistical Reality Check
Our health is our greatest asset, but it's also our greatest vulnerability. While the NHS is a national treasure, it is facing unprecedented demand.
- Rising Chronic Illness: The data is stark. Cancer Research UK's long-term projection indicates that 1 in 2 people born after 1960 in the UK will be diagnosed with some form of cancer during their lifetime. This single statistic underscores the widespread nature of critical illness.
- Cardiovascular Disease: The British Heart Foundation reports that around 7.6 million people in the UK live with a heart or circulatory disease. Every day, hundreds of people lose their lives to these conditions.
- NHS Waiting Times: As of early 2025, NHS England continues to grapple with extensive waiting lists for elective procedures and specialist consultations. While emergency care remains world-class, the wait for diagnostics and treatment for 'non-urgent' (yet often life-altering) conditions can stretch into many months, creating immense stress and potentially worsening outcomes.
The Financial Squeeze
Alongside health concerns, the economic climate adds another layer of fragility for many families and individuals.
- Cost of Living: Persistent inflation has eroded the purchasing power of wages, making it harder for households to build substantial emergency savings. A 2024 report by the Financial Conduct Authority (FCA) highlighted that millions of UK adults have low financial resilience, with little to no savings to fall back on.
- The 'Gig Economy' and Self-Employment: Over 4.3 million people in the UK are self-employed. This entrepreneurial spirit is vital to our economy, but it comes with a trade-off: no sick pay, no employer death-in-service benefits, and no safety net if work dries up due to illness.
This convergence of health and financial pressures creates a perfect storm. A critical illness diagnosis doesn't just bring physical and emotional turmoil; it brings a financial crisis. The inability to work, coupled with potential extra costs for travel, home modifications, or private care, can decimate savings and plunge a family into debt at the worst possible moment. This is the reality that the Resilience Equation is designed to solve.
Deconstructing the Resilience Equation: Your Financial Protection Toolkit
Strategic financial protection isn't about a single policy. It's about creating a layered, multi-faceted defence that aligns with your specific life stage, career, and family circumstances. Think of it not as a single wall, but as a fortress with interlocking defences. Let's break down the key components.
1. Life Insurance: The Foundational Layer
This is the cornerstone of financial protection for anyone with dependents. It provides a cash lump sum or a regular income to your loved ones if you pass away during the policy term. This money can be used to pay off a mortgage, cover funeral costs, and provide for daily living expenses, ensuring your family's financial stability isn't shattered by grief.
| Feature | Term Life Insurance | Family Income Benefit | Whole of Life Insurance |
|---|---|---|---|
| Purpose | Covers you for a fixed period (e.g., until mortgage is paid/kids are grown). | Provides a regular, tax-free income stream instead of a lump sum. | Guaranteed payout upon death, whenever it occurs. |
| Best For | Covering specific debts like a mortgage; young families on a budget. | Replicating a lost monthly salary for family living costs. | Estate planning, covering Inheritance Tax (IHT), or leaving a legacy. |
| Cost | Most affordable option. | Often more affordable than a large lump-sum policy. | Significantly more expensive due to the guaranteed payout. |
| Payout | A one-off lump sum. | A series of monthly or annual payments. | A one-off lump sum. |
Real-World Example: Sarah and Tom, both 35, have a £250,000 mortgage and two young children. A Term Life Insurance policy ensures that if one of them were to die, the mortgage would be cleared, removing the single biggest financial burden from the surviving partner. Alternatively, a Family Income Benefit policy could provide a £2,000 monthly income until their youngest child turns 21, offering predictable stability.
2. Critical Illness Cover: The Living Lifeline
What if you don't pass away, but suffer a life-altering illness like a heart attack, stroke, or cancer? This is where Critical Illness Cover (CIC) is indispensable. It pays out a tax-free lump sum on the diagnosis of a specified condition.
This isn't 'health insurance'; it's 'financial survival insurance'. The money is yours to use as you see fit:
- Replace lost income while you recover.
- Pay for private treatment or specialist consultations to bypass waiting lists.
- Adapt your home (e.g., install a ramp or stairlift).
- Pay off your mortgage or other debts to reduce financial stress.
- Allow your partner to take time off work to care for you.
Given the projection that 1 in 2 of us will face a cancer diagnosis, CIC provides the breathing room to focus purely on recovery, not on bills.
3. Income Protection: Your Personal Payslip Protector
For many, their ability to earn a monthly income is their most valuable asset. Income Protection (IP) is designed to protect it. If you're unable to work due to any illness or injury (not just the 'critical' ones), an IP policy pays you a regular, tax-free replacement income.
Key features include:
- The Deferred Period: This is the time you agree to wait between stopping work and the policy starting to pay out. It can range from one week to 12 months. Aligning this with your employer's sick pay scheme or your savings is key to managing the premium.
- Comprehensive Coverage: Unlike CIC, it covers a vast range of conditions that can stop you from working, from a severe back injury to mental health conditions like stress or depression.
- Long-Term Support: Policies can pay out right up until you are able to return to work or reach retirement age, providing a durable safety net.
This is arguably the most crucial policy for the self-employed, freelancers, and contractors, who have no other source of sick pay.
4. Specialised Protection for Trades and Key Workers
Certain professions carry unique risks. Insurers recognise this and offer tailored products.
Personal Sick Pay Insurance: This is a vital product for tradespeople—electricians, plumbers, builders—and other manual workers. It's a form of short-term income protection designed for those in higher-risk jobs.
- Immediate Cover: It often has very short deferred periods (as little as one day).
- Accident-Focused: Provides robust cover for injuries that are more prevalent in manual labour.
- Straightforward: Less complex than long-term income protection, offering a simple safety net for the first 12-24 months off work.
Nurses and Healthcare Professionals: While employed by the NHS, the sick pay entitlement, though better than in many private sector jobs, is not infinite. It reduces over time. An income protection policy can top up NHS sick pay and provide full support once the entitlement runs out, protecting mortgage payments and family finances during a prolonged absence.
5. Gift Inter Vivos: Smart Legacy Planning
This is a more specialised but incredibly powerful tool for estate planning. If you gift a significant asset (like property or a large sum of money) to a loved one, it may still be subject to Inheritance Tax (IHT) if you pass away within seven years of making the gift.
A Gift Inter Vivos policy is a specific type of life insurance designed to cover this potential tax liability. It pays out a lump sum that covers the IHT bill, ensuring your beneficiaries receive the full value of the gift as you intended. It's a thoughtful way to pass on wealth without leaving your family with an unexpected and substantial tax demand from HMRC.
6. Private Health Insurance (PMI): The Accelerator for Recovery
While the protection policies above provide the financial buffer, Private Health Insurance (PMI) provides the practical means to accelerate your medical journey. In the context of resilience, its value is immense.
- Speedy Diagnosis: Get prompt access to consultants and diagnostic tools like MRI and CT scans, often within days or weeks, not months. This reduces the anxiety of the unknown and can lead to earlier, more effective treatment.
- Choice and Comfort: Choose your surgeon, your hospital, and benefit from the comfort of a private room, which can significantly aid mental well-being during a stressful time.
- Access to Advanced Treatments: Some policies offer access to drugs or treatments not yet available on the NHS.
When combined with Critical Illness Cover, PMI forms a powerful duo. PMI gets you treated quickly, while CIC provides the money to handle the financial fallout of being ill, creating a truly holistic shield.
The ROI of Resilience: More Than Just Money
The true value of a strategic protection plan extends far beyond the financial payout. The return on investment (ROI) is measured in peace of mind, stronger relationships, and the freedom to pursue personal growth.
A Powerful Antidote to Financial Anxiety
The Mental Health Foundation consistently links financial worries to poor mental health. A 2024 survey showed millions of Brits feel stressed or anxious due to their financial situation.
Knowing you have a safety net fundamentally changes this dynamic.
- Reduced 'What If' Anxiety: The nagging fear of "what if I get sick?" or "how would my family cope?" is quietened. This frees up mental and emotional bandwidth for more positive pursuits.
- Empowerment During Crisis: In the event of a claim, the financial support removes a monumental layer of stress, allowing you and your family to focus 100% on recovery and supporting each other. It prevents a health crisis from becoming a financial catastrophe.
Strengthening Relationships Under Pressure
Money is a leading cause of friction in relationships. A sudden loss of income or a large, unexpected expense can place immense strain on a partnership or family unit.
Strategic protection acts as a pressure-release valve. By ensuring the mortgage is paid and bills are covered, it prevents financial desperation from poisoning relationships. It allows a partner to be a caregiver, not a debt collector. It’s an act of love—a promise that your loved ones won't have to carry a financial burden on top of an emotional one.
The Freedom to Grow
This is perhaps the most overlooked benefit. When your foundational needs are secure, you are psychologically free to take calculated risks that lead to growth.
- Career Confidence: You might feel more confident leaving a 'safe' but unfulfilling job to start your own business, knowing your income protection plan is there as a backstop.
- Personal Development: With financial security in place, you can invest in yourself—perhaps taking a sabbatical for travel or further education—without the fear of a mishap wiping out your savings.
Resilience isn't about being immune to shocks; it's about having the structural integrity to withstand them and continue building upwards. Financial protection provides that very structure.
Specialised Solutions for Business Owners and Directors
The principles of resilience are magnified for those at the helm of a business. Company directors, business owners, and the self-employed face a unique set of vulnerabilities, but also have access to uniquely efficient solutions.
For the Company Director: Executive Income Protection
This is a powerful and tax-efficient way for a company director to secure their income.
- How it Works: The company takes out and pays the premiums for an income protection policy on the director.
- Tax Efficiency: The premiums are typically considered a legitimate business expense, meaning they are deductible against corporation tax.
- Benefit Payout: If the director is unable to work, the policy pays the benefit to the company, which then pays it to the director via PAYE.
This is often more tax-efficient than a director paying for a personal plan out of their own taxed income.
| Feature | Personal Income Protection | Executive Income Protection |
|---|---|---|
| Who Pays Premium | The individual, from post-tax income. | The limited company, as a business expense. |
| Tax on Premiums | No tax relief. | Typically allowable against Corporation Tax. |
| Benefit Payout | Tax-free to the individual. | Paid to the company, then paid to director via PAYE. |
| Ideal For | Sole traders, employees. | Company directors. |
For the Business Owner: Key Person Insurance
What is the most valuable asset in your business? Often, it's not the equipment or the premises—it's a person. This could be a founder with the vision, a top salesperson, or a technical expert.
Key Person Insurance is a life or critical illness policy taken out by the business on such an individual. If that key person dies or becomes critically ill, the policy pays out to the business. This money can be used to:
- Recruit a replacement.
- Cover lost profits during the transition period.
- Reassure lenders and investors that the business can continue.
- Repay a director's loan.
It is a business continuity tool, ensuring the company itself is resilient enough to survive the loss of its most important talent.
Finding the right structure for these business protection policies can be complex. Working with an expert broker like WeCovr is crucial. We can help you navigate the options from all major UK insurers, ensuring you get the most efficient and effective cover for your business's specific needs.
Building Your Own Resilience: Practical Steps & Wellness
Financial protection is the bedrock, but true resilience is also built through daily habits and proactive wellness. By taking care of your health, you not only improve your quality of life but can also reduce your insurance premiums.
The Four Pillars of Wellness
- Nutrition: A balanced diet rich in whole foods, fruits, and vegetables is proven to reduce the risk of many conditions, including heart disease and certain cancers. Simple swaps, like reducing processed foods and sugary drinks, can have a huge impact.
- Activity: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This doesn't have to mean the gym; brisk walking, cycling, swimming, or even vigorous gardening all count. Regular exercise boosts mental and physical health.
- Sleep: Aim for 7-9 hours of quality sleep per night. Poor sleep is linked to a host of health problems, including weakened immunity and poor mental health. Create a relaxing bedtime routine and a dark, quiet, and cool bedroom environment.
- Stress Management: Chronic stress is a silent threat. Incorporate stress-reducing activities into your life, whether it's mindfulness, yoga, spending time in nature, or simply dedicating time to a hobby you love.
At WeCovr, we believe in supporting our clients' holistic well-being. That's why, in addition to expert insurance advice, we provide our customers with complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. It's a small way we can help you on your journey to better health, showing our commitment goes beyond just the policy.
Your Financial Health Check
- Know Your Numbers: Create a simple budget. Understand what comes in and what goes out. This is the first step to taking control.
- Assess Your Safety Net: How long could you survive on your savings? How much sick pay would you get from your employer? This will determine the 'deferred period' you need on an income protection policy.
- Review Your Debts: List your major debts, starting with your mortgage. This figure is the baseline for how much life insurance you might need.
- Seek Professional Advice: The world of protection insurance is complex, with dozens of providers and subtle differences between policies. An independent broker can be your guide, comparing the entire market to find a plan that fits your needs and budget perfectly.
Conclusion: Investing in Your Unwritten Future
Life's journey is not about avoiding shocks—it's about having the strength and resources to grow through them. The Resilience Equation is a powerful mindset shift that reframes financial protection from a begrudged expense into one of the most profound investments you can make.
It is an investment in your peace of mind, freeing you from the corrosive anxiety of 'what if'. It is an investment in your relationships, ensuring that a crisis brings you closer together, rather than tearing you apart with financial stress. And it is an investment in your potential, giving you the secure foundation from which to take the risks necessary for growth.
By strategically layering products like Life Insurance, Critical Illness Cover, and Income Protection, and augmenting them with the practical benefits of Private Health Insurance, you are not just buying a policy. You are building a fortress of resilience around yourself and your loved ones. You are writing a promise to your future self: no matter what comes, you will have the means to face it, to recover, and to continue growing.
I'm young and healthy, do I really need this kind of insurance now?
Absolutely. There are two key reasons why arranging cover when you are young and healthy is the smartest move. Firstly, premiums are calculated based on risk, which primarily means your age and health at the time of application. The younger and healthier you are, the lower your premiums will be, and you can lock in that low rate for the entire term of the policy. Secondly, illness and accidents can happen at any age. Securing cover now means you are protected against an unforeseen event, rather than waiting until it's too late and you are unable to get cover at all.
Isn't my employer's death-in-service and sick pay enough?
While valuable, employer benefits are often not as comprehensive as people assume and are tied to your employment. Death-in-service is typically a multiple of your salary (e.g., 4x) which may not be enough to clear a mortgage and provide for your family's long-term future. Employer sick pay is often limited; you might get a few months on full pay, but it then reduces significantly. A personal policy is owned by you, so it stays with you if you change jobs, and the level of cover is tailored to your specific needs, not your employer's generic scheme.
Can I afford all these different types of cover?
It's a common concern, but building a protection portfolio is about what's appropriate and affordable for you. You don't have to get everything at once. A good adviser will help you prioritise. For a young family, life insurance to cover the mortgage might be the first step. For a self-employed person, income protection is critical. You can layer policies over time as your income and needs change. A broker can compare quotes from dozens of insurers to find cover that fits your budget. Some protection is infinitely better than none.
Do insurers actually pay out claims?
This is a persistent myth. The reality is that the overwhelming majority of claims are paid. According to the Association of British Insurers (ABI), in 2023, UK protection insurers paid out over 97% of all claims, amounting to billions of pounds in support for families and individuals. The very small percentage of claims that are declined are typically due to 'non-disclosure' (where the applicant was not honest about their health or lifestyle on the application form) or the condition claimed for not meeting the policy definition. Honesty at the application stage is key to guaranteeing a payout.
What's the difference between Critical Illness Cover and Income Protection?
This is a crucial distinction. Critical Illness Cover pays out a one-off, tax-free lump sum if you are diagnosed with one of the specific serious illnesses listed on the policy (e.g., cancer, heart attack, stroke). Income Protection pays a regular, tax-free monthly income if you are unable to work due to any illness or injury that prevents you from doing your job. It can cover you for conditions that aren't 'critical' but still stop you from working, such as a back injury or mental health issues. Many people choose to have both, as they serve different but complementary purposes.
Related guides
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
Our Group Is Proud To Have Issued 900,000+ 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!