Growth Blueprint: Protect Your Future, Live Fully
What if financial security wasn't just about money, but about unlocking your ultimate personal growth? As the UK faces projections of 1 in 2 people receiving a cancer diagnosis in their lifetime (Macmillan, 2025), unexpected health crises and income loss are no longer 'if' but 'when.' This isn't traditional insurance; it's the strategic foundation for an unshakeable life. Discover how bespoke protection – including Income Protection, Critical Illness Cover, Family Income Benefit, and targeted Personal Sick Pay for crucial professions like tradespeople, nurses, and electricians – creates an invisible safety net. Learn how private health insurance accelerates recovery and access to care, empowering you to navigate life's curveballs, strengthen relationships, and relentlessly pursue your personal and professional evolution, transforming uncertainty into an undeniable blueprint for your best future.
In our pursuit of a meaningful life, we focus on career progression, personal development, and nurturing relationships. We build, we strive, we grow. Yet, we often overlook the very foundation upon which this growth is built: our health and our ability to earn an income.
The modern world presents a paradox. We have more opportunities for growth than ever before, but we also face significant uncertainties. The sobering statistic from Macmillan Cancer Support—that one in two of us born after 1960 will be diagnosed with cancer—is not just a health warning; it's a profound financial one. An unexpected illness, a serious injury, or the loss of a loved one can do more than just cause emotional turmoil; it can shatter the financial stability that allows us to pursue our goals.
This is where a fundamental shift in mindset is required. We must move beyond viewing financial protection as a reluctant purchase and see it for what it truly is: an enabling force. It's the strategic scaffolding that allows you to build higher, take calculated risks, and live more fully, knowing that a safety net is firmly in place. This guide is your blueprint to understanding how a robust, tailored protection strategy is the ultimate investment in your personal and professional evolution.
Redefining Wealth: Why Your Earning Ability is Your Greatest Asset
For decades, wealth has been synonymous with savings, investments, and property. While these are vital components of financial health, they overlook the single most powerful asset you possess: your ability to generate an income.
Think about it. Your future earnings will likely dwarf your current savings. This income stream fuels everything—your mortgage, your family's lifestyle, your pension contributions, and your dreams. Yet, it's incredibly fragile. An illness or accident could turn it off like a tap.
According to the Association of British Insurers (ABI), a staggering one million workers are off sick for more than four weeks each year. The government's Statutory Sick Pay (SSP) provides a minimal safety net, but at just over £116 per week (2024/25 rate), it's rarely enough to cover even the most basic household bills, let alone a mortgage or rent.
This is where Income Protection insurance steps in. It's not a luxury; it's the essential defence for your primary asset.
What is Income Protection?
Income Protection is a long-term insurance policy designed to support you if you're unable to work due to illness or injury. It replaces a significant portion of your income, typically 50-70% of your gross salary, and pays out a regular, tax-free monthly sum until you can return to work, retire, or the policy term ends.
How Income Protection Fuels Growth:
- Removes Financial Fear: Knowing your core expenses are covered allows you to focus 100% on your recovery, not on mounting bills. This psychological freedom is immeasurable.
- Preserves Your Savings: Without income protection, you would likely have to drain your savings, cash in investments, or even sell your home to survive financially. This can set your long-term goals back by years, or even decades.
- Maintains Your Lifestyle: It ensures that a health setback doesn't force a drastic and stressful change in your family's standard of living. Children's activities, family holidays, and daily comforts can continue, providing a crucial sense of normality during a difficult time.
| Feature | Statutory Sick Pay (SSP) | Income Protection |
|---|---|---|
| Weekly Amount | Approx. £116 (fixed) | 50-70% of your gross salary (tax-free) |
| Duration | Up to 28 weeks | Until you return to work, retire, or the policy ends |
| Coverage | Only if you are an employee | Available for employed and self-employed |
| Purpose | Basic, short-term state support | Comprehensive, long-term lifestyle maintenance |
By insuring your income, you are not just buying a policy; you are underwriting your ambition. You're giving yourself permission to focus on your career and personal life, secure in the knowledge that the financial engine room is protected.
The Elephant in the Room: Critical Illness and Its True Cost
While Income Protection shields your monthly earnings, a serious medical diagnosis brings a different kind of financial storm. A critical illness like cancer, a heart attack, or a stroke comes with a cascade of unforeseen costs that go far beyond a temporary loss of income.
The British Heart Foundation notes there are more than 100,000 hospital admissions each year in the UK due to heart attacks. The Stroke Association reports that someone has a stroke every five minutes. These are not distant possibilities; they are everyday realities.
When a critical illness strikes, the financial impact is immediate and multifaceted:
- Medical Costs: While the NHS is extraordinary, you may want to seek second opinions, access specialist treatments not yet available on the NHS, or pay for complementary therapies to aid recovery.
- Home & Lifestyle Adaptations: Your home may need modifications, such as a ramp or a stairlift. You might need specialist equipment or a more accessible vehicle.
- Increased Bills: Travel to and from hospital appointments, increased heating bills from being at home more, and paying for help with childcare or cleaning all add up.
- Partner's Lost Income: It's common for a spouse or partner to take significant unpaid time off work to provide care, effectively halving the household income when you need it most.
This is where Critical Illness Cover provides a vital lifeline.
What is Critical Illness Cover?
Critical Illness Cover pays out a one-off, tax-free lump sum if you are diagnosed with one of a specific list of serious conditions defined in the policy. This money is yours to use however you see fit—to clear a mortgage, pay for private treatment, or simply give you the financial breathing space to recover without worry.
The Financial Reality: With vs. Without Critical Illness Cover
Let's imagine a 40-year-old diagnosed with cancer, needing a year off work for treatment and recovery.
| Expense Category | Without Critical Illness Cover | With a £100,000 Critical Illness Payout |
|---|---|---|
| Mortgage | A major source of stress; risk of arrears. | Can be cleared or paid for the year. |
| Lost Income | Reliance on SSP, then benefits. Savings depleted. | Lump sum provides a buffer for lost earnings. |
| Treatment Options | Limited to standard NHS pathway. | Freedom to explore private consultations or treatments. |
| Home Adaptations | A struggle to afford necessary changes. | Funds available to make the home comfortable. |
| Family Stress | Constant worry about money, impacting recovery. | Financial pressure is removed, allowing focus on health. |
Critical Illness Cover acts as a financial shock absorber. It prevents a health crisis from becoming a financial catastrophe, giving you the power and resources to make choices that are best for your health and your family, not just your bank balance.
Building a Legacy of Stability: Protecting Your Family's Future
Our personal growth is intrinsically linked to the well-being of our loved ones. For those with partners, children, or other dependents, true peace of mind comes from knowing they will be secure, no matter what happens to you.
This is the traditional, but no less essential, territory of life insurance. It ensures that your death does not leave your family facing a financial crisis on top of their grief. There are two primary ways to structure this protection:
-
Life Protection (Level or Decreasing Term Assurance): This is the most common form of life insurance. It pays out a single, tax-free lump sum to your beneficiaries if you pass away during the policy term.
- Decreasing Term: The payout amount reduces over time, typically in line with a repayment mortgage. It's a cost-effective way to ensure your biggest debt is cleared.
- Level Term: The payout amount remains the same throughout the policy. This is ideal for covering family living costs or leaving a legacy.
-
Family Income Benefit (FIB): This is an often-overlooked but incredibly powerful alternative. Instead of a single lump sum, FIB pays out a regular, tax-free monthly or annual income to your family, from the time of your death until the policy's end date.
Which is Right for Your Family?
The choice between a lump sum and a regular income depends on your family's circumstances and financial confidence.
| Feature | Life Protection (Lump Sum) | Family Income Benefit (Regular Income) |
|---|---|---|
| Payout | Single, large, tax-free lump sum. | Regular, tax-free monthly/annual income. |
| Purpose | Clear large debts (mortgage), provide a large inheritance. | Replace lost monthly income, cover regular bills and costs. |
| Management | Requires beneficiaries to manage and invest a large sum. | Simpler for beneficiaries to budget with a familiar income. |
| Cost | Generally more expensive for the same total potential payout. | Often more affordable, especially for younger families. |
| Best For | Financially savvy partners, or when a large debt needs clearing. | Families who would benefit from a direct income replacement. |
A Note on Estate Planning: Gift Inter Vivos Insurance
For those in a position to gift assets to loved ones (e.g., a deposit for a house), there's a lesser-known risk: Inheritance Tax (IHT). If you pass away within seven years of making a large gift, it may still be considered part of your estate and subject to IHT. Gift Inter Vivos insurance is a specialised life policy designed to cover this potential tax bill, ensuring your gift reaches its recipient in full.
By thoughtfully structuring your protection, you create a legacy of security. You ensure that your family can remain in their home, that your children's education is funded, and that they have the financial stability to grieve and rebuild their lives without immediate financial pressure. This is a profound act of love and a cornerstone of your own peace of mind.
For Those on the Frontline: Specialised Cover for Key Professions
While everyone who earns an income needs to protect it, some professions carry unique risks that demand more specialised cover. Tradespeople, nurses, and electricians are the backbone of our economy and healthcare system, but their work exposes them to higher-than-average risks of injury and illness.
- Tradespeople & Electricians: The risk of physical injury from a fall, accident, or strain is a daily reality. A broken leg or a bad back isn't just painful; for someone who relies on their physical fitness for their livelihood, it's a financial disaster.
- Nurses & Healthcare Professionals: Long hours, physical demands of patient care, and high-stress environments contribute to a high rate of burnout and musculoskeletal issues. They are also at greater risk of contracting infectious diseases.
For these crucial professions, relying on Statutory Sick Pay is simply not a viable option, especially for the many who are self-employed. This is where Personal Sick Pay insurance becomes invaluable.
What is Personal Sick Pay Insurance?
Personal Sick Pay is a type of income protection, but it's specifically designed for higher-risk occupations and the self-employed. It often has key features that make it more suitable:
- Shorter Deferral Periods: You can often choose to have the policy pay out after just one week of being off work, rather than the typical 4, 13, or 26 weeks of standard income protection. This bridges the immediate gap in earnings.
- "Own Occupation" Definition: This is crucial. It means the policy will pay out if you are unable to do your specific job (e.g., an electrician who can't use their hands), rather than just any job.
- Guaranteed Premiums: You can often fix the cost of your cover, so it won't increase over time, even if you make a claim.
Meet Dave, a Self-Employed Electrician:
Dave runs his own business and has a mortgage and a young family. One day, he falls from a ladder and breaks his wrist, requiring surgery. He's told he'll be unable to work with his tools for at least three months.
- Without cover: Dave has no income. SSP isn't available as he's self-employed. He burns through his savings in the first month just to cover the mortgage and bills. He's forced to take out a loan to keep his family afloat, creating long-term debt and immense stress that hinders his recovery.
- With Personal Sick Pay: After his one-week deferral period, Dave's policy starts paying him £2,000 a month, tax-free. This covers his essential outgoings. The financial pressure is gone. He can focus on his physiotherapy, spend quality time with his family, and plan his return to work without the crippling anxiety of debt.
For those in manual or high-stress roles, generic cover isn't enough. A tailored policy acknowledges the specific risks you face and provides a safety net that truly understands your world.
The Business Owner's Blueprint: Fortifying Your Enterprise
For company directors, freelancers, and business owners, the line between personal and professional well-being is blurred. Your health is the health of your business. An unexpected illness doesn't just affect your family; it can jeopardise your entire enterprise, impacting employees, clients, and your life's work.
Standard personal protection is a start, but entrepreneurs need a more robust, business-focused strategy.
Key Person Insurance: Protecting Your Most Valuable Asset
In many small to medium-sized businesses, success hinges on one or two key individuals—the founder with the vision, the sales director with the contacts, or the technical genius who built the product. What would happen to the business if that person were to die or be diagnosed with a critical illness?
- Profits could plummet.
- Lenders might recall loans.
- Client confidence could evaporate.
- Projects could stall indefinitely.
Key Person Insurance is designed to mitigate this. The policy is taken out and paid for by the business, on the life of the key individual. If that person passes away or suffers a specified critical illness, the policy pays a lump sum to the business. This money can be used to:
- Recruit a replacement.
- Cover lost profits during the transition.
- Reassure lenders and investors.
- Enable an orderly winding-up of the business if necessary.
It's a crucial tool for business continuity and de-risking your operation.
Executive Income Protection: A Tax-Efficient Reward
As a company director, you can take out a personal income protection policy. However, a more tax-efficient and powerful alternative is Executive Income Protection.
With this policy, the company pays the premium, and it's typically treated as an allowable business expense, making it highly tax-efficient. If the director is unable to work, the benefits are paid to the company, which then pays the director's salary through the payroll system (PAYE).
This not only protects the director but also demonstrates to all employees that the business is stable and cares for its leadership, fostering a culture of security.
Here at WeCovr, we specialise in helping business owners navigate these complex but vital policies. We understand the unique pressures you face and can help you compare solutions from across the market to build a fortress around the business you've worked so hard to create.
Beyond Financial Payouts: The Role of Private Health Insurance in Your Growth Journey
So far, we've focused on financial resilience. But true personal growth requires a swift return to health. While the NHS is a national treasure, it is facing unprecedented pressure. NHS England data from 2024/25 shows significant waiting lists for consultations and non-urgent procedures.
Waiting months for a diagnosis or treatment is not just a physical ordeal; it's a period of profound uncertainty that puts your life on hold. You can't work effectively, you can't plan for the future, and the stress can have a huge impact on your mental health and relationships.
This is where Private Medical Insurance (PMI) becomes a powerful catalyst for growth.
How PMI Accelerates Your Return to Full Strength:
- Speed of Access: This is the primary benefit. PMI allows you to bypass lengthy NHS queues for specialist consultations, diagnostics (like MRI scans), and elective surgery. Getting a diagnosis in days rather than months can be life-changing.
- Choice and Control: You can often choose your specialist and the hospital where you receive treatment, giving you a sense of control at a time when you can feel powerless.
- Advanced Treatments: PMI can provide access to new drugs or treatments that may not yet be approved for widespread NHS use due to cost.
- Comfort and Privacy: A private room can make a huge difference to your recovery, allowing for better rest and reduced risk of hospital-acquired infections.
PMI isn't about replacing the NHS—it works alongside it. Accident and Emergency services will always be the domain of the NHS. But for non-urgent conditions, PMI gives you an alternative pathway that prioritises your time and accelerates your recovery. By getting back on your feet faster, you can return to your career, your family, and your personal growth journey with minimal disruption.
From Surviving to Thriving: The Psychological Freedom of a Safety Net
We've explored the 'what' and 'how' of protection. Now, let's return to the 'why'. Why is this the blueprint for personal growth?
Because a comprehensive protection strategy does something profound: it removes fear.
When you eliminate the deep-seated anxiety about financial ruin from a health crisis, you free up an incredible amount of mental and emotional bandwidth. This newfound energy can be redirected from a defensive, survival-based mindset to one of proactive growth and opportunity.
With a robust safety net in place, you are empowered to:
- Take Calculated Career Risks: You might finally start that business, go freelance, or move to a new role with higher potential but less initial security, knowing your financial baseline is protected.
- Be Fully Present: Instead of being distracted by 'what-if' scenarios, you can be more present and engaged with your partner, children, and friends, strengthening the relationships that are the true measure of a rich life.
- Invest in Your Wellness: With financial stress reduced, you have the headspace to focus on proactive health measures—improving your diet, prioritising sleep, and engaging in regular physical activity. This creates a virtuous cycle of well-being.
- Pursue Your Passions: You can dedicate time and energy to hobbies, further education, or community projects that bring you joy and fulfilment, without the nagging feeling that you should only be focused on earning.
At WeCovr, we believe in this holistic vision of well-being. It’s why, in addition to finding our clients the best protection policies, we provide them with complimentary access to our AI-powered calorie tracking app, CalorieHero. We understand that protecting your future is about more than just insurance; it's about empowering you with the tools and the peace of mind to live a healthier, fuller life today.
Your Blueprint in Action: Practical Steps and Wellness Tips
Understanding the theory is one thing; putting it into practice is another. Here are the actionable steps to build your own growth blueprint, combining financial prudence with a commitment to wellness.
Your Financial Action Plan:
- Conduct a Personal Audit: Sit down and be honest about your situation. What is your monthly income? What are your essential outgoings (mortgage/rent, bills, food)? Who depends on you financially? What debts do you have?
- Review Your Existing Cover: Check your employment contract. What sick pay are you entitled to, and for how long? Do you have any 'death in service' benefits? This will form the baseline of your needs. Don't assume it's enough.
- Quantify the Gap: Based on your audit, calculate the shortfall. If your income stopped tomorrow, how long could you last on your savings? What is the gap between your employer's sick pay and your essential outgoings?
- Speak to an Expert: The world of protection insurance can be complex. Using an independent expert broker like WeCovr is invaluable. We don't work for one insurer; we work for you. We search the entire market to find the right policies from leading UK insurers, tailored to your specific needs, profession, and budget. We translate the jargon and ensure there are no gaps in your cover.
Your Wellness Action Plan:
Financial protection and physical health are two sides of the same coin. A healthier lifestyle can reduce your risk of serious illness and may even lead to lower insurance premiums.
- Nourish Your Body: Focus on a balanced diet rich in whole foods. Small changes, like reducing processed foods and increasing your intake of fruits and vegetables, can have a huge impact on your energy levels and long-term health.
- Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. Sleep is critical for cognitive function, emotional regulation, and physical recovery. Establish a consistent sleep schedule and create a restful bedroom environment.
- Move Every Day: 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. Physical activity is a powerful antidepressant and stress reducer.
- Manage Stress: Chronic stress is a major contributor to poor health. Incorporate mindfulness, meditation, or simple breathing exercises into your day. Spending time in nature and connecting with loved ones are also powerful stress-relievers.
Transforming Uncertainty into Your Unshakeable Future
Life's most profound growth often happens when we have the courage to step into the unknown. But courage isn't the absence of fear; it's the presence of a plan.
Financial protection—through Income Protection, Critical Illness Cover, Life Insurance, and Private Medical Insurance—is that plan. It's not about dwelling on the worst-case scenarios. It's about intelligently and strategically neutralising them, so you can focus on the best-case scenarios.
It is the invisible architecture that supports your ambitions, protects your loved ones, and gives you the psychological freedom to pursue your full potential. It transforms the paralysing question of "What if something goes wrong?" into the empowering declaration of "I am prepared for anything."
This is your growth blueprint. It's time to stop insuring just your things and start investing in your potential. Protect your future, and you will unlock the freedom to live fully, today.
Is this type of insurance expensive?
What is the main difference between Income Protection and Critical Illness Cover?
Do I need cover if I'm single with no dependents?
Can I get cover with a pre-existing medical condition?
Why should I use a broker like WeCovr instead of going direct to an insurer?
Related guides
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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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!