Growth Shield: Future-Proofing Your Unbreakable Path
The illusion of an uninterrupted life of growth is tempting, but what if your journey towards personal mastery, thriving relationships, and financial freedom is suddenly derailed? With startling 2025 health projections – including nearly 1 in 2 people in the UK facing a cancer diagnosis in their lifetime, and millions more impacted by long-term illness – true personal development demands proactive resilience. This isn't about fear; it's about empowerment. Discover how strategic protection products like Income Protection, Family Income Benefit, Life and Critical Illness Cover, and specialized Personal Sick Pay for frontline professionals from nurses to tradespeople, create an 'Unbreakable You.' Understand how private health insurance accelerates access to vital care, ensuring you bounce back faster. Learn how to secure your legacy with options like a lump sum payment on death (Gift Inter Vivos), transforming vulnerability into a fortified future where your growth, relationships, and aspirations remain safeguarded, no matter what.
We are all architects of our own lives. We lay down blueprints for career progression, build frameworks for financial independence, and cultivate relationships that form the very heart of our existence. This path of continuous growth and self-improvement is exhilarating. Yet, the foundations on which we build are often more fragile than we care to admit. The uncomfortable truth is that life is unpredictable. An unexpected illness or injury can act like a seismic shock, threatening to bring our carefully constructed world crashing down.
This isn't about pessimism; it's about realism and proactive empowerment. The statistics paint a stark picture of the modern UK health landscape. Cancer Research UK projects that 1 in 2 people born after 1960 in the UK will be diagnosed with some form of cancer during their lifetime. Beyond this, the Office for National Statistics (ONS) reports that a record 2.8 million people were out of work due to long-term sickness in late 2023, a significant increase in recent years.
These aren't just numbers on a page. They represent derailed careers, depleted savings, and immense emotional strain on families. They represent the moment where the pursuit of 'growth' is replaced by the fight for 'survival'.
The solution is not to live in fear, but to build a 'Growth Shield'. This is a personalised fortress of financial resilience, constructed from intelligent protection products designed to activate when you need them most. It's about ensuring that a health crisis doesn't become a financial catastrophe, allowing you to focus on recovery and get back on your unbreakable path to success. This guide will illuminate the tools you need to build that shield.
The Modern Risk Landscape: Why 'It Won't Happen to Me' is a Flawed Strategy
The belief that we are immune to serious health setbacks is a comforting but dangerous illusion. In today's world, the risks are more varied and prevalent than ever before. Understanding this landscape is the first step toward building effective protection.
The Statistical Reality Check
Let's move beyond abstract fears and look at the concrete data shaping the UK's health and financial well-being:
- Long-Term Sickness Absence: As mentioned, the ONS figures showing 2.8 million people out of work due to long-term illness is a critical indicator. This surge is driven by a complex mix of factors, including NHS waiting lists, mental health conditions, and the lingering effects of conditions like 'long COVID'.
- Musculoskeletal Issues: These are a leading cause of work absence. Conditions affecting the back, neck, and upper limbs accounted for a significant portion of lost working days last year. This is a major concern not just for manual workers but also for the millions in sedentary office jobs.
- Mental Health: The Health and Safety Executive (HSE) reports that stress, depression, or anxiety accounts for almost half of all work-related ill health cases. The financial impact is twofold: absence from work and the potential need for private therapy and support.
- The Survival Paradox: Medical advancements are a modern miracle. More people than ever are surviving conditions like cancer, heart attacks, and strokes. However, survival often precedes a long, challenging, and expensive recovery period. You may be unable to work for months or even years, while facing new costs for home adaptations or specialist care.
The Domino Effect of a Health Crisis
When your health is compromised, the financial consequences ripple outwards, creating a domino effect that can destabilise your entire life:
- Income Stops: For many, statutory sick pay (SSP) is shockingly low – just £116.75 per week as of 2024/25. It's paid for a maximum of 28 weeks. For the self-employed, there is no SSP at all.
- Savings Deplete: Your emergency fund, diligently saved for a house deposit or a dream holiday, is quickly repurposed to cover monthly bills, mortgage payments, and council tax.
- Debts Accumulate: Once savings run out, credit cards and loans become a last resort, digging a deeper financial hole that becomes harder to escape.
- Lifestyle Compromises: Holidays are cancelled, home improvements are shelved, and children's extra-curricular activities may be cut.
- Relationship Strain: Financial stress is a leading cause of tension and conflict within families, adding an emotional burden to an already difficult situation.
- Career Setback: A prolonged absence can lead to a loss of skills, confidence, and career momentum, making it difficult to return to your previous earning potential.
This is the reality a 'Growth Shield' is designed to prevent. It's a financial firewall that contains the blaze, protecting the core structures of your life so you can rebuild and resume your journey.
| Risk Factor | Potential Financial Impact | Who is Most Vulnerable? |
|---|---|---|
| Serious Illness (e.g., Cancer) | Loss of income, treatment costs, home adaptations, reduced future earnings. | Everyone (1 in 2 lifetime risk). |
| Injury (Accident) | Immediate loss of income, rehabilitation costs, potential permanent disability. | Tradespeople, active individuals, drivers. |
| Mental Health Condition | Prolonged work absence, cost of private therapy, difficulty returning to work. | High-stress professions, but affects all sectors. |
| Musculoskeletal Disorder | Long-term work absence, physiotherapy costs, chronic pain management. | Manual workers and sedentary office workers. |
The Bedrock of Your Shield: Income Protection Insurance
If you had a machine that printed money for you every month, would you insure it? Your ability to work and earn an income is that machine. Income Protection (IP) is the insurance for it, and it's arguably the most important financial protection product for any working adult.
What is Income Protection?
In simple terms, Income Protection insurance pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury. It's designed to replace a significant portion of your lost earnings, allowing you to continue paying your bills and maintaining your lifestyle while you focus on recovery.
Key features you need to understand:
- Cover Amount: You can typically insure up to 50-70% of your gross (pre-tax) income. This is capped to ensure you have an incentive to return to work when you are able.
- Deferred Period: This is the waiting period between when you stop working and when the policy starts paying out. It can range from one day to 12 months. The longer the deferred period you choose, the lower your monthly premium will be. A common strategy is to align it with any sick pay you receive from your employer.
- Payment Period: This is how long the policy will pay out for. It can be for a fixed term (e.g., 2 or 5 years per claim) or, for comprehensive cover, it can pay out right up until you reach retirement age.
- Definition of Incapacity: This is crucial.
- Own Occupation: The best definition. It means the policy will pay out if you are unable to do your specific job. A surgeon with a hand tremor could claim, even if they could work in a different role.
- Suited Occupation: Pays out if you cannot do your own job or a job for which you are reasonably suited by education, training, or experience.
- Any Occupation: The most restrictive definition. It will only pay out if you are so incapacitated you cannot perform any kind of work.
Always aim for an 'Own Occupation' policy to ensure you have the most robust protection.
Income Protection vs. Statutory Sick Pay (SSP)
To see the true value of IP, let's compare it to the state-provided safety net.
| Feature | Statutory Sick Pay (SSP) | Income Protection (IP) |
|---|---|---|
| Weekly Payout | £116.75 (2024/25 rate) | Typically 50-70% of your salary |
| Payment Duration | Maximum of 28 weeks | Can be 2, 5 years, or until retirement |
| Who Gets It? | Employees earning above a threshold | Anyone who takes out a policy |
| Self-Employed? | Not eligible | Fully available and essential |
| Purpose | Basic, short-term subsistence | Maintain your standard of living |
Real-Life Scenario: Meet Aisha, a 40-year-old marketing manager earning £60,000 a year. She is diagnosed with a serious autoimmune condition that leaves her unable to work for 18 months.
- Without IP: After her company sick pay ends, she'd receive SSP for 28 weeks (£3,269 total). After that, her income would be zero. She would have to rely on savings or benefits, risking her home and financial stability.
- With IP: Her policy, covering 60% of her income, pays her £2,500 per month, tax-free (£30,000 a year). Her mortgage is paid, bills are covered, and she can afford private physiotherapy to aid her recovery without financial worry.
For the Hands-On Heroes: Personal Sick Pay Cover
While Income Protection is a broad category, there's a specific type of cover often marketed as Personal Sick Pay. This is particularly vital for those in physically demanding jobs or the self-employed, who often have no safety net whatsoever.
This includes:
- Tradespeople: Electricians, plumbers, builders, carpenters
- Healthcare Professionals: Nurses, dentists, physiotherapists
- Freelancers: Drivers, technicians, creative professionals
The key difference with Personal Sick Pay is that it often offers much shorter deferred periods, such as 'Day 1' or 'Week 1' cover. This is critical for individuals whose income stops the very day they can't show up to a job. It provides immediate financial relief, bridging the gap before longer-term support might kick in.
While potentially more expensive than a policy with a 3-month deferred period, for a self-employed tradesperson, it is the difference between keeping their business afloat and going under after a minor injury.
A Safety Net for Your Loved Ones: Family Income Benefit
When we think of life insurance, we often picture a huge lump sum payout. While this is right for some, many families would be better served by a product that more closely matches their financial reality: Family Income Benefit (FIB).
How Does Family Income Benefit Work?
Instead of paying a single large sum upon death, FIB pays out a regular, tax-free income to your dependents. This income is paid every month (or year) from the time of the claim until the end of the policy's term.
Think of it as a replacement for your salary for your family. You choose the annual income you want them to receive (e.g., £25,000 a year) and the term of the policy (e.g., until your youngest child turns 21).
If you were to pass away 5 years into a 20-year policy, your family would receive £25,000 every year for the remaining 15 years. This predictable, manageable income stream makes it far easier for your surviving partner to handle the family's ongoing budget.
Family Income Benefit vs. Level Term Life Insurance
| Feature | Family Income Benefit (FIB) | Level Term Life Insurance |
|---|---|---|
| Payout | Regular, tax-free income (e.g., monthly) | Single, tax-free lump sum |
| Purpose | Replaces lost salary for ongoing expenses | Clears large debts (e.g., mortgage), provides investment capital |
| Budgeting | Easier for the surviving family to manage | Requires careful financial management and investment |
| Cost | Often significantly cheaper for a comparable level of security | More expensive for a large lump sum |
FIB is a fantastically efficient and affordable way to ensure your family's day-to-day lifestyle is protected, covering everything from the mortgage and bills to school uniforms and food shopping.
The Critical Illness Buffer: Surviving and Thriving After Diagnosis
As medicine advances, the question is often not if you will survive a serious illness, but what happens after. Surviving a heart attack or cancer is a victory, but it can be the start of a long and financially draining journey. This is where Critical Illness Cover (CIC) steps in.
What is Critical Illness Cover?
CIC pays out a one-off, tax-free lump sum if you are diagnosed with one of a list of specified serious conditions defined in the policy. The money is yours to use however you see fit.
Common uses for a CIC payout include:
- Clearing Debts: Pay off the mortgage, car loans, or credit cards to dramatically reduce monthly outgoings.
- Funding Private Treatment: Access specialist care or treatments not available on the NHS to speed up recovery.
- Adapting Your Home: Install a ramp, stairlift, or wet room if your mobility is affected.
- Replacing Lost Income: Allow you or your partner to take an extended period off work to focus on recovery without financial pressure.
- A Recuperation Fund: Pay for a less stressful lifestyle or a once-in-a-lifetime family holiday to aid mental recovery.
When choosing a policy, it's vital to look beyond the headline price. The quality of a CIC policy is determined by the number of conditions it covers and, more importantly, the precision of its definitions. This is where expert advice is invaluable. At WeCovr, we help clients compare not just the price but the intricate details of policies from all major UK insurers, ensuring the cover you choose is comprehensive and robust.
Often, CIC is bought as a combined policy with life insurance, known as Life and Critical Illness Cover. This can be a convenient and cost-effective option, but it's important to understand that it typically pays out only once – either on diagnosis of a critical illness or on death, whichever comes first.
Fortifying Your Enterprise: Protection for Business Owners and Directors
For entrepreneurs, freelancers, and company directors, personal and business finances are deeply intertwined. A health crisis doesn't just affect your family; it can jeopardise the very existence of the business you've worked so hard to build. Specialised business protection products are essential components of your 'Growth Shield'.
Key Person Insurance
Who is indispensable to your business? A top salesperson, a visionary founder, or a technical genius? If their sudden death or critical illness would cause a significant financial loss (e.g., loss of profits, disruption to projects, loss of client confidence), they are a 'key person'.
Key Person Insurance is a policy taken out by the business, on the key person. If that individual dies or is diagnosed with a critical illness, the policy pays a lump sum directly to the business. This money can be used to:
- Recruit and train a replacement.
- Cover lost profits during the disruption.
- Reassure lenders and investors.
- Clear business loans for which the key person was a guarantor.
Executive Income Protection
This is an Income Protection policy that is paid for by the business for the benefit of a director or valuable employee. It works just like a personal policy, but the premiums are typically treated as an allowable business expense, making it a highly tax-efficient way to provide top-tier protection. It's a powerful tool for attracting and retaining senior talent, demonstrating that the company truly cares for their well-being.
Relevant Life Cover
For small businesses that don't have a large 'death-in-service' group scheme, Relevant Life Cover is a game-changer. It's a company-paid life insurance policy for an individual employee or director. The premiums are an allowable business expense, and the benefits are paid tax-free to the employee's family via a trust. It provides a highly valued benefit without the cost and complexity of a full group scheme.
| Business Protection | Who is it for? | What does it do? | Tax Treatment |
|---|---|---|---|
| Key Person Insurance | A business with indispensable employees. | Pays a lump sum to the business if a key person dies or is critically ill. | Premiums may be an allowable expense. |
| Executive Income Protection | Company directors and senior staff. | Pays a monthly income to the employee if they can't work due to illness/injury. | Premiums are typically an allowable expense. |
| Relevant Life Cover | Directors/employees of small businesses. | Provides a lump sum death benefit to the employee's family. | Premiums are an allowable expense. |
More Than Just Money: The Added Value of Modern Protection
Today's protection policies are about more than just a financial payout. Insurers now compete to offer a suite of valuable support services, accessible from the moment your policy begins. These are designed to help you stay healthy and get you back on your feet faster if you do fall ill.
These services can include:
- Virtual GP Services: 24/7 access to a UK-based GP via phone or video call, helping you get a diagnosis and prescription quickly.
- Mental Health Support: Access to a set number of counselling or therapy sessions.
- Second Medical Opinion: If you receive a serious diagnosis, you can have your case reviewed by a world-leading specialist.
- Physiotherapy and Rehabilitation Support: Get help with musculoskeletal issues before they become chronic problems.
These benefits can be invaluable, helping you bypass NHS waiting lists and get proactive care. They transform your insurance policy from a passive safety net into an active partner in your well-being.
At WeCovr, we go a step further. We believe that proactive health is the ultimate form of protection. That’s why, in addition to the excellent benefits provided by the insurers themselves, we provide our valued clients with complimentary access to our proprietary AI-powered calorie tracking app, CalorieHero. It's our commitment to supporting your holistic well-being, helping you build resilience and take control of your health long before you might ever need to make a claim.
Securing Your Legacy: Gift Inter Vivos and Inheritance Tax
Part of building an unbreakable future is ensuring your wealth passes to the next generation efficiently. Inheritance Tax (IHT) can significantly reduce the legacy you leave behind. One of the most common ways people try to mitigate IHT is by gifting assets during their lifetime. However, these gifts are not immediately exempt from tax.
The 7-Year Rule
When you make a gift to an individual (e.g., giving your child a deposit for a house), it is considered a 'Potentially Exempt Transfer' (PET). If you live for 7 years after making the gift, it becomes fully exempt from IHT. However, if you die within those 7 years, the gift becomes part of your estate for IHT calculation purposes, and tax may be due. The amount of tax due on the gift reduces on a sliding scale between years 3 and 7.
This creates a new financial risk: your loved ones could be landed with an unexpected tax bill on a gift you intended to be a blessing.
The Solution: Gift Inter Vivos Insurance
A Gift Inter Vivos (GIV) policy is a clever and specific type of life insurance designed to cover this exact liability. It is a 'decreasing term' life insurance policy where the sum assured reduces over the 7-year term, mirroring the decreasing IHT liability on the gift.
Example: You gift your son £100,000. You take out a GIV policy. If you were to die in year 2, the policy would pay out the full amount of IHT due on that gift. If you die in year 6, when the tax liability has reduced, the policy pays out the smaller, corresponding amount. If you survive for 7 years, the policy expires, its job done. It's a simple, cost-effective way to ensure your gifts reach your loved ones in full.
Your Action Plan: Forging Your Growth Shield
You are now armed with the knowledge to transform financial vulnerability into a fortified future. It's time to take action.
- Audit Your Reality: Get a clear picture of your current situation. What are your monthly outgoings? What sick pay does your employer offer? How much do you have in savings? What are your biggest financial commitments (mortgage, dependents)?
- Define Your Non-Negotiables: What are you most afraid of? Is it the impact of long-term sickness on your income? Ensuring your family is secure if you're not around? Protecting your business from collapse? Your priorities will determine the core components of your shield.
- Explore the Options: Review the products in this guide. Which ones resonate most with your needs? Could a combination of Income Protection and Family Income Benefit provide a comprehensive family safety net? Do you need to consider Key Person cover for your business?
- Seek Expert, Independent Advice: The world of protection insurance is complex. The definitions, terms, and application processes can be bewildering. Using an expert broker is not a luxury; it's a necessity for getting it right.
A specialist broker like WeCovr can be your architect. We take the time to understand your unique circumstances, priorities, and budget. We then search the entire UK market, comparing policies from all the leading providers to design a bespoke 'Growth Shield' that is robust, affordable, and perfectly tailored to your life's blueprint. We handle the paperwork and translate the jargon, empowering you to make confident decisions.
Your path to personal mastery and financial freedom deserves to be protected. Don't let the illusion of an uninterrupted journey leave you exposed. Build your Growth Shield today and create a truly unbreakable future.
I'm young and healthy. Do I really need protection insurance now?
Is this type of insurance expensive?
What if I have a pre-existing medical condition?
Do insurance companies in the UK actually pay out claims?
How does being self-employed affect my application for Income Protection?
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!