Growth Unlocked: Financial Shields for 2025
The 2025 Health Imperative: Beyond Wellness Trends, How Strategic Financial Protection — Encompassing Family Income Benefit, Income Protection for Our Risk-Exposed Tradespeople, Nurses, and Electricians, Plus Life, Critical Illness, and Legacy Safeguards Like Gift Inter Vivos — Is the Untapped Catalyst for Your Deepest Personal Growth, Unshakeable Relationships, and the Freedom to Truly Thrive, Enhanced by the Critical Access and Peace of Mind Private Health Insurance Offers.
In 2025, our pursuit of well-being has never been more sophisticated. We track our sleep, optimise our nutrition with mindfulness, and invest in our physical fitness. Yet, amidst this commendable focus on our health, a foundational pillar of true security is often overlooked: our financial resilience. The most nutritious diet or dedicated fitness regime offers little defence against the profound disruption of a sudden illness, a serious injury, or an unexpected loss.
This is the 2025 health imperative. It's about looking beyond surface-level wellness trends to build a life of genuine, unshakeable stability. It's about recognising that strategic financial protection is not merely a safety net for disaster; it is a powerful catalyst for personal growth. When you are shielded from financial shocks, you are free. Free to take calculated risks, to deepen your relationships without the corrosive undercurrent of financial anxiety, and to pursue a life of purpose and passion.
This guide will explore the architecture of that freedom. We will delve into the core components of a robust financial shield, from the monthly security of Family Income Benefit and Income Protection—especially vital for our invaluable tradespeople, nurses, and electricians—to the lump-sum reassurance of Life and Critical Illness Cover. We will also look at sophisticated tools like Gift Inter Vivos insurance for legacy planning and demonstrate how Private Health Insurance acts as a crucial accelerator for your health and well-being, getting you back on your feet faster.
Prepare to unlock your potential. This isn't just about insurance; it's about engineering the financial certainty that allows you to truly thrive.
Beyond the Yoga Mat: Why Financial Resilience is the New Wellness Pillar
We often compartmentalise our lives: career, health, relationships, finances. The reality is that they are deeply interwoven. Financial instability, or even just the fear of it, sends shockwaves through every other aspect of our existence.
The Money and Pensions Service consistently highlights the toxic link between money worries and mental health. Their research shows that millions of UK adults feel stress, anxiety, and a loss of sleep due to their financial situation. This chronic stress isn't just a fleeting mood; it has tangible physiological effects, undermining the very health we strive to protect.
Consider the ripple effects:
- Stifled Growth: How many brilliant business ideas have been shelved? How many career changes put on hold? The fear of losing a stable income, with no safety net to catch you, is a powerful inhibitor of ambition. Financial security gives you the confidence to take the leap.
- Strained Relationships: Financial disagreements are a leading cause of friction in relationships. When a couple has a solid financial plan, they replace arguments about money with conversations about shared dreams and goals. This security fosters trust and deepens connection.
- Compromised Health Decisions: Without a financial buffer, an unexpected health scare can lead to devastating choices. You might delay seeing a doctor, or feel pressured to return to work before you are fully recovered, risking a longer-term health problem.
The latest figures from the Office for National Statistics (ONS) on household finances paint a stark picture. A significant portion of UK households have insufficient savings to cover even three months of essential expenditure. This leaves millions vulnerable to being tipped into crisis by a single unforeseen event, like an illness or redundancy. True wellness cannot be built on such fragile foundations. Financial resilience is the bedrock upon which a healthy, fulfilling life is constructed.
Decoding Your Financial Shield: A Guide to Core Protection Products
Building your financial shield isn't about acquiring a random collection of policies. It's about understanding the specific role each product plays and layering them to create comprehensive protection tailored to your life. Let's break down the core components.
1. Life Insurance (Life Protection)
- What It Is: A policy that pays out a tax-free lump sum to your beneficiaries if you pass away during the policy term. It is the foundational protection for anyone with financial dependents.
- Who It's For: Essential for individuals with a mortgage, financially dependent partners, or children. The payout can clear debts, cover funeral costs, and provide a financial cushion for your family's future.
- Key Types: Understanding the difference is crucial for getting the right cover at the right price.
| Policy Type | How It Works | Best For |
|---|---|---|
| Level Term | The payout amount remains the same throughout the policy term. | Covering large, non-decreasing debts or providing a fixed sum for your family's future. |
| Decreasing Term | The payout amount reduces over time, typically in line with a repayment mortgage. | Specifically covering a repayment mortgage, making it a very cost-effective option. |
| Whole of Life | The policy is guaranteed to pay out whenever you die, as long as you've paid your premiums. | Covering a definite future liability, such as an Inheritance Tax bill or funeral costs. |
A Real-Life Example: Sarah and Tom have a £250,000 repayment mortgage and two young children. They take out a joint decreasing term policy that mirrors their mortgage. If one of them were to pass away, the policy would pay off the remaining mortgage balance, ensuring the surviving partner and children could remain in their family home without financial worry.
2. Critical Illness Cover
- What It Is: This cover pays out a tax-free lump sum if you are diagnosed with one of a list of specific, serious (but not necessarily terminal) illnesses, such as some forms of cancer, heart attack, or stroke.
- Who It's For: Almost every adult. The financial impact of a serious illness extends far beyond a temporary loss of income. The lump sum can be used for anything: to cover medical bills, adapt your home, pay off a mortgage, or simply give you the financial breathing space to recover without stress.
- The Sobering Reality: Statistics from Cancer Research UK show that 1 in 2 people in the UK will be diagnosed with some form of cancer during their lifetime. The British Heart Foundation reports over 100,000 hospital admissions for heart attacks each year in the UK. A critical illness diagnosis is a life-changing event, and having financial support during this time is invaluable.
A Real-Life Example: Mark, a 45-year-old graphic designer, suffers a major stroke. His Critical Illness Cover pays out £100,000. This allows him to pay for intensive private physiotherapy to speed up his recovery, adapt his car for hand controls, and take a full year off work to focus on his health without draining his life savings.
3. Family Income Benefit (FIB)
- What It Is: A clever and often overlooked alternative to a standard lump-sum life insurance policy. Instead of one large payout, FIB provides your family with a regular, tax-free monthly or annual income stream for the remainder of the policy term.
- Who It's For: Particularly well-suited for young families. Managing a large lump sum can be daunting, especially when grieving. A regular income makes day-to-day budgeting far simpler and ensures monthly bills are covered. You can structure the policy to pay out until your youngest child reaches a certain age, like 18 or 21.
- Why It's So Powerful: It directly replaces the lost monthly income of a parent, making the financial transition for the surviving family as smooth as possible. It’s also often more affordable than a comparable lump-sum policy.
A Real-Life Example: Chloe takes out a Family Income Benefit policy set to pay out £2,000 per month until her youngest child, Leo, turns 21. If Chloe were to pass away when Leo is 8, her family would receive £2,000 every month for the next 13 years, providing consistent financial stability during his childhood and education.
The Unsung Heroes: Specialised Protection for the UK's Backbone
While the core products above are vital for many, some professions carry unique risks that demand more specialised protection. The financial safety net for an office worker may not be sufficient for a scaffolder or an A&E nurse. This is where Income Protection becomes non-negotiable.
The Power of Income Protection (IP)
- What It Is: Income Protection is arguably the most crucial policy you can own during your working life. It is designed to replace a significant portion of your gross income (typically 50-70%) if you are unable to work due to any illness or injury. It pays out a monthly, tax-free benefit after a pre-agreed waiting period (the "deferred period") and can continue to pay out until you recover, or until the policy end date (often your planned retirement age).
- The State Safety Net Myth: Many people assume the state will provide for them. The reality is that Statutory Sick Pay (SSP) is currently just £116.75 per week (2024/25 rate). This is rarely enough to cover even basic living costs like mortgage, rent, and bills. Income Protection bridges this enormous gap.
Spotlight on High-Risk Professions
For those who put their bodies and minds on the line every day, IP is not a luxury; it is an essential piece of professional equipment.
- Tradespeople (Electricians, Plumbers, Roofers): According to the Health and Safety Executive (HSE), the construction sector consistently has one of the highest rates of work-related injury. A musculoskeletal injury from a fall or repetitive strain can easily mean months off work with no income. IP ensures the mortgage is still paid and the family is fed while you recover.
- Nurses & Healthcare Professionals: The physical and emotional demands on our healthcare workers are immense. Nurses have high rates of musculoskeletal disorders from lifting and moving patients, as well as significant risks of burnout and stress-related conditions. An IP policy provides a vital lifeline, allowing for proper recovery without financial pressure.
- Electricians: Working with live currents carries the obvious risk of serious injury, while the physical nature of the job (working in cramped spaces, at height) also poses a threat.
Finding the right IP policy for these roles can be complex, as insurers assess risk differently. This is where working with a specialist broker is invaluable. At WeCovr, we understand the nuances of different occupations and have the expertise to navigate the market to find insurers who offer fair terms and comprehensive cover for skilled trades and demanding professions.
| Protection Type | What It Covers | Payout Type | Key Purpose |
|---|---|---|---|
| Income Protection | Inability to work due to any illness/injury. | Regular Monthly Income | Replaces your salary for long-term absence. |
| Critical Illness | Diagnosis of a specific serious illness. | One-off Lump Sum | Covers major costs associated with a life-changing diagnosis. |
| Statutory Sick Pay | Basic state benefit for employed people. | Small Weekly Amount | A minimal safety net, insufficient for most people. |
For the Visionaries: Protecting Your Business and Your Future
For company directors, freelancers, and the self-employed, the line between personal and professional finance is often blurred. Your health is your business's most valuable asset. Protecting it, and the enterprise you've built, requires a strategic, business-focused approach.
The Self-Employed Imperative
If you are self-employed or a freelancer, you have no employer safety net. No sick pay, no death-in-service benefit. This makes personal protection absolutely critical.
- Income Protection is your sick pay.
- Critical Illness Cover provides a capital injection to keep you and your business afloat during a health crisis.
- Life Insurance ensures your family is not burdened with business debts or a sudden loss of income.
Protection Through Your Limited Company
For company directors, there are highly tax-efficient ways to arrange protection through your business.
- Executive Income Protection: This is an IP policy owned and paid for by your limited company. The premiums are typically an allowable business expense, making it more tax-efficient than a personal plan. The benefit is paid to the company, which then distributes it to you as income via PAYE. It can often offer more generous cover levels than personal plans.
- Key Person Insurance: What would happen to your business if your top salesperson, genius coder, or you yourself were unable to work for a year? Key Person Insurance is a life and/or critical illness policy taken out by the business on a vital employee. The payout goes directly to the company to cover lost profits, recruit a replacement, or repay loans, ensuring business continuity during a crisis.
- Shareholder or Partnership Protection: In a business with multiple owners, the death or serious illness of one partner can create chaos. The deceased partner's shares may pass to their family, who may have no interest or ability to run the business. Shareholder Protection provides the surviving partners with the funds to buy the shares back from the estate at a fair, pre-agreed price, ensuring a smooth and stable transition of ownership.
Building a Lasting Legacy: The Role of Gift Inter Vivos and Estate Planning
Thoughtful financial planning extends beyond your own lifetime. For many, a key goal is to pass on wealth to the next generation, helping them with a house deposit or to start a business. However, without careful planning, a generous gift can come with an unexpected tax bill.
This is where Inheritance Tax (IHT) comes in. Currently, if your estate is worth more than £325,000 when you die, everything above that threshold could be taxed at 40%.
The Seven-Year Rule and Gift Inter Vivos (GIV) Insurance
You can make gifts during your lifetime, and if you live for seven years after making the gift, it becomes fully exempt from IHT. This is known as a Potentially Exempt Transfer (PET). However, if you die within those seven years, the gift becomes part of your estate for IHT calculations, and your beneficiaries could face a hefty tax bill.
- What is Gift Inter Vivos Insurance? It is a specialised life insurance policy designed specifically to cover this potential IHT liability. It's a term insurance policy, typically lasting seven years, with a payout that decreases over time in line with the "taper relief" rules for IHT on gifts.
- Who It's For: Anyone making a substantial financial gift (e.g., over the annual gift allowance) who wants to ensure the recipient receives the full value without worrying about a future tax bill.
- A Real-Life Example: David, aged 68, gifts his daughter £100,000 to help her buy her first home. To protect this gift from IHT, he takes out a 7-year Gift Inter Vivos policy. If David were to pass away in year three, the IHT due on the gift would be £40,000 (40%). The insurance policy would pay out this exact amount, covering the tax bill and leaving his daughter's £100,000 gift intact. It provides peace of mind for both the giver and the receiver.
The Health Catalyst: How Private Medical Insurance (PMI) Supercharges Your Well-being
While the NHS provides exceptional care, it is currently facing unprecedented pressure, with waiting lists for consultations and treatments reaching record lengths. For many conditions, waiting can mean prolonged pain, anxiety, and time off work.
Private Medical Insurance (PMI) is not a replacement for the NHS but a powerful complement to it. It acts as a health catalyst, giving you speed, choice, and control over your healthcare journey.
The key benefits of PMI include:
- Prompt Access: Significantly reduce the waiting time to see a specialist and receive diagnostic tests like MRI and CT scans.
- Choice and Control: Choose the specialist consultant and hospital that best suits your needs.
- Comfort and Privacy: Benefit from a private room during hospital stays, aiding a more peaceful recovery.
- Access to Specialist Treatments: Gain access to certain drugs, therapies, and procedures that may not be routinely available on the NHS.
Crucially, PMI works hand-in-glove with your other financial protections. By getting you diagnosed and treated faster, it can help you get back to work sooner, potentially reducing the length of time you would need to claim on an Income Protection policy.
Many modern PMI plans also come with a suite of value-added benefits that actively support your day-to-day health, such as virtual GP services, mental health support lines, and discounts on gym memberships. At WeCovr, we believe in this holistic approach to health. That's why, in addition to finding you the right insurance, we are proud to provide our clients with complimentary access to our proprietary AI-powered nutrition app, CalorieHero, to support their daily wellness journey.
Weaving It All Together: Your 2025 Financial Protection Blueprint
The goal is not to be over-insured, but to be correctly insured. A well-designed protection portfolio is layered, efficient, and tailored precisely to your circumstances.
Let’s look at how this works in practice:
Case Study 1: The Young Family (The Millers)
- Circumstances: Both aged 32, with two children (4 and 2) and a £300,000 repayment mortgage.
- Their Blueprint:
- Decreasing Term Life Insurance: A joint policy for £300,000 over 25 years to clear the mortgage if one of them dies.
- Family Income Benefit: A policy for each parent, set to pay out £1,500 a month until their youngest child is 21, covering childcare and living costs.
- Income Protection: Both have IP covering 60% of their income, ensuring they can still pay the bills if one is off work long-term due to illness.
Case Study 2: The Freelance Graphic Designer (Ben)
- Circumstances: Aged 40, single, self-employed, renting. His income is entirely dependent on his ability to work.
- His Blueprint:
- Income Protection: His number one priority. A robust policy with a long-term payout to replace his income if he can't work.
- Critical Illness Cover: A lump-sum policy of £75,000. This would give him a buffer to cover rent and living costs for over a year, allowing him to recover without the stress of finding new clients immediately.
- Personal Pension: He contributes regularly to a SIPP to build his retirement fund.
Case Study 3: The Company Director (Maria)
- Circumstances: Aged 52, co-owns a successful engineering firm with one other director. Has a family and a large estate.
- Her Blueprint:
- Personal Cover: Whole of Life insurance written in trust to help her children cover a future IHT bill.
- Business Cover:
- Executive Income Protection: Paid for by the company, providing generous income replacement.
- Key Person Insurance: The company has a policy on both Maria and her partner to protect the business.
- Shareholder Protection: A cross-option agreement funded by life insurance policies, ensuring a smooth buyout if one of them passes away.
Navigating these options to build the right portfolio can feel complex. That's where an expert broker like us at WeCovr comes in. We take the time to understand your unique life, budget, and ambitions. We then compare plans and providers from across the entire UK market to build a financial shield that is perfectly suited to you.
Beyond the Policy: Cultivating Everyday Resilience
Your insurance policies are your shield, but your daily habits are your armour. Cultivating everyday resilience complements your financial protection and enhances your overall well-being.
- Prioritise Sleep: Consistent, quality sleep is fundamental to cognitive function, immune response, and mental health. Aim for 7-9 hours per night.
- Nourish Your Body: A balanced diet rich in whole foods is preventative medicine. Small, consistent changes have a huge impact. Using a tool like the CalorieHero app can provide clarity and support for your nutritional goals.
- Embrace Movement: You don't need to be a marathon runner. Regular activity—be it walking, cycling, yoga, or gardening—reduces stress, strengthens your body, and boosts your mood.
- Nurture Your Mind: Practice mindfulness, stay connected with friends and family, and don't be afraid to seek support for your mental health. It is just as important as your physical health.
In 2025, the ultimate form of self-care is building a life where you and your loved ones are protected from financial shocks. It’s the freedom to know that if the unexpected happens, the life you’ve worked so hard to build is secure. This isn't about planning for the worst; it's about planning for the best possible future—one where you have the unshakable foundation to grow, to connect, and to truly thrive.
I'm self-employed, what's the most important cover for me?
What's the difference between Income Protection and Critical Illness Cover?
- Income Protection (IP) pays a regular monthly income if you can't work due to any illness or injury that your GP signs you off for. Its purpose is to replace your lost salary.
- Critical Illness Cover (CIC) pays a one-off, tax-free lump sum if you are diagnosed with one of the specific, serious conditions listed in the policy. Its purpose is to cover major costs associated with the illness (e.g., home adaptations, private treatment, clearing debts) and provide a financial cushion.
Is life insurance expensive?
- Your age and health: Younger, healthier individuals pay less.
- Your lifestyle: Smokers or those with high-risk hobbies will pay more.
- The type of cover: Decreasing term cover for a mortgage is typically cheaper than level term cover.
- The amount of cover: A £100,000 policy will cost less than a £500,000 policy.
- The length of the policy: A 20-year term is cheaper than a 35-year term.
Do I need a medical examination to get insurance?
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
Our Group Is Proud To Have Issued 800,000+ Policies!
We've established collaboration agreements with leading insurance groups to create tailored coverage
How It Works
1. Complete a brief form
2. Our experts analyse your information and find you best quotes
3. Enjoy your protection!
Any questions?
Learn more
Who Are WeCovr?
WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!