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How to Get Life Insurance with Crohns Disease or Ulcerative Colitis

WeCovr Editorial Team · experienced insurance advisers
Last updated Mar 17, 2026
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How to Get Life Insurance with Crohns Disease or Ulcerative...

TL;DR

Securing life insurance with Crohn's or Colitis in the UK is achievable with expert help. As FCA-regulated brokers, WeCovr specialises in finding suitable cover by comparing deals from all major insurers, even for complex health conditions.

Key takeaways

  • Yes, you can get life insurance with IBD, but insurers assess severity, treatment, and control.
  • Recent surgery, frequent flare-ups, or strong medications like biologics will impact premiums and options.
  • Income Protection is vital for IBD sufferers due to the risk of time off work during flare-ups.
  • Using a specialist broker significantly increases your chances of finding affordable, suitable cover.
  • Full and honest disclosure on your application is essential to ensure a valid policy that pays out.

Living with a chronic condition like Crohn's disease or Ulcerative Colitis brings its own set of daily challenges. Between managing symptoms, appointments, and treatments, the last thing you need is the added stress of worrying about your family's financial security.

Many people with Inflammatory Bowel Disease (IBD) assume that life insurance, critical illness cover, or income protection is out of reach or prohibitively expensive. This is a common and understandable misconception.

The truth is, securing comprehensive and affordable financial protection is entirely possible. It simply requires a clear understanding of how insurers view IBD and a strategic approach to the application process.

This definitive guide will walk you through everything you need to know. We’ll demystify the underwriting process, explain the impact of flare-ups and biological medications, and provide a clear roadmap to securing the best possible terms for you and your loved ones.

When you apply for financial protection, insurers need to build a complete picture of your health to assess the level of risk. For someone with Crohn's or Colitis, they aren't just looking at the diagnosis itself; they are interested in how the condition is managed and its impact on your life.

By understanding what underwriters focus on, you can prepare for your application and significantly improve your chances of a favourable outcome.

What Insurers Need to Know About Your IBD

Insurers will typically request information from your GP (a General Practitioner's Report or GPR) to verify the details you provide. Honesty and accuracy from the outset are paramount.

Here are the key factors that will determine the outcome of your application:

FactorWhat Insurers Look For (Positive Signs)What Insurers Look For (Negative Signs)
Type of IBDUlcerative Colitis is often viewed slightly more favourably than Crohn's Disease.Crohn's Disease can sometimes be seen as higher risk due to its potential to affect the entire GI tract.
Date of DiagnosisA long-standing, stable condition is better than a recent diagnosis with an uncertain prognosis.A very recent diagnosis (e.g., within the last 6-12 months) may lead to a postponement.
Severity & SymptomsMild, infrequent symptoms (e.g., Proctitis) and long periods of remission.Moderate to severe symptoms, affecting a large area of the bowel (e.g., pancolitis).
Flare-upsInfrequent (less than one per year) and managed without hospitalisation. Last flare-up was over 12 months ago.Frequent (multiple times a year), recent (in the last year), or requiring hospitalisation.
MedicationManaged with milder drugs like aminosalicylates (5-ASAs) (e.g., Mesalazine).Use of steroids, immunosuppressants (e.g., Azathioprine), or biological therapies (e.g., Infliximab, Adalimumab).
SurgeryNo history of surgery.History of bowel resections, colectomy, or stoma formation. Recent surgery will likely lead to postponement.
ComplicationsNo associated complications. Good general health.History of strictures, fistulas, abscesses, severe anaemia, or extra-intestinal issues (e.g., arthritis, skin/eye problems).
MonitoringRegular follow-ups with a gastroenterologist and routine colonoscopies as recommended.Lack of regular medical supervision or missed surveillance appointments.
Lifestyle FactorsNon-smoker, healthy BMI, moderate alcohol intake.Smoking is a major negative factor, especially for Crohn's Disease. High BMI or excessive alcohol use.

Insider Tip: While taking biological medication indicates a more severe form of IBD to an insurer, it also demonstrates that your condition is being proactively and effectively managed. A specialist broker knows how to frame this positively to underwriters.

Why Financial Protection is So Important When You Have IBD

A chronic illness like IBD highlights the financial fragility that can result from unexpected health events. Building a robust financial safety net isn't a luxury; it's a fundamental part of responsible planning.

  • Income Protection: This is arguably the most critical cover for anyone with IBD. Flare-ups are unpredictable and can easily lead to weeks or even months off work. Without an employer sick pay scheme, your income would stop, but your bills wouldn't. Income protection pays you a regular, tax-free replacement salary until you're well enough to return to work.
  • Critical Illness Cover: While IBD itself is not typically a condition covered, it can lead to complications that are. Some policies may offer a partial payment for stoma surgery. More importantly, this cover protects you against other major illnesses like cancer, heart attack, or stroke. A lump sum payment can help you clear your mortgage, adapt your home, or cover private medical costs, reducing financial stress during a difficult time.
  • Life Insurance: This is the cornerstone of financial protection. It provides a tax-free lump sum or a regular income for your family if you pass away. This money can be used to pay off the mortgage, cover funeral costs, clear debts, and provide for your children's future, ensuring they are not left with a financial burden.
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Understanding Potential Underwriting Outcomes for IBD

Once an insurer has assessed your application and medical history, they will make a decision. It's helpful to know the range of possible outcomes.

  1. Standard Rates (Standard Terms): This is the best-case scenario, where you are offered cover at the standard price with no modifications. It is typically reserved for those with very mild, well-controlled Ulcerative Colitis (e.g., proctitis), diagnosed several years ago with no recent flare-ups and on mild medication.
  2. Premium Loading (A "Rating"): This is the most common outcome for people with mild to moderate IBD. The insurer offers you the policy but increases the standard premium by a set percentage to reflect the higher risk. This is often called a "loading".
    • Example: If the standard monthly premium for a £250,000 life insurance policy is £15, and the insurer applies a "+100%" loading, your final premium would be £30 per month. Loadings can range from +50% to +200% or more, depending on your specific circumstances.
  3. Exclusions: This is more common for Income Protection and Critical Illness Cover. The insurer may offer you a policy but exclude any claims directly related to your Crohn's or Colitis. While this may seem disappointing, the policy would still cover you for any other illness or injury, which statistically account for the vast majority of claims. An IP policy with an IBD exclusion is still immensely valuable if you are unable to work due to cancer, a back injury, or mental health issues.
  4. Postponement: If you have been recently diagnosed, are currently in a flare-up, are undergoing a change in treatment, or have had recent surgery, an insurer will likely postpone their decision. They will ask you to re-apply in 6 to 24 months, once your condition has stabilised and there is a clearer long-term outlook.
  5. Decline: In cases of severe, poorly controlled IBD with significant complications and multiple hospitalisations, an insurer may decline to offer cover. Crucially, a decline from one insurer does not mean you are uninsurable. Insurers have different underwriting appetites. This is where a specialist broker's knowledge is invaluable; we know which providers are more likely to consider your case favourably.

A Deep Dive into Protection Products for IBD Sufferers

Choosing the right type of cover is just as important as getting the application right. Let's explore the main options in detail.

Life Insurance

Life insurance is designed to pay out on death, providing a financial cushion for those you leave behind.

  • Term Life Insurance: This is the most common and affordable type. It covers you for a fixed period (the 'term'), such as 25 years to match your mortgage. If you die within the term, it pays out. If you survive the term, the cover ends. It's ideal for protecting a mortgage and providing for a young family.
  • Family Income Benefit: This is a variation of term insurance. Instead of a single lump sum, it pays your family a regular, tax-free monthly or annual income for the remainder of the policy term. This can be easier to manage than a large sum and effectively replaces your lost salary.
  • Whole of Life Insurance: This policy is designed to cover you for your entire life, guaranteeing a payout whenever you die. In the modern UK market, these are typically straightforward pure protection plans.

Important Note on Whole of Life Policies: At WeCovr, we focus on modern, transparent Whole of Life plans. It's vital to understand how these work:

  • They are pure protection policies with no cash-in or investment value.
  • Their sole purpose is to provide a guaranteed life insurance payout.
  • If you stop paying your premiums, the cover will cease, and you will not get any money back.
  • These plans are highly suitable and affordable for needs like covering an expected Inheritance Tax (IHT) bill or leaving a guaranteed legacy.

This is different from older-style with-profits or investment-linked whole of life policies. Those complex products combined life cover with an investment component, building a 'surrender value' over time. They were often expensive, opaque, and their performance was not guaranteed.

  • Gift Inter Vivos Insurance: If you make a large financial gift to someone (e.g., a house deposit for a child), it may be subject to Inheritance Tax if you die within seven years. A Gift Inter Vivos policy is a special type of decreasing term assurance that covers this potential tax liability, ensuring the full value of your gift reaches its recipient.

Income Protection (IP)

For anyone with a relapsing-remitting condition like IBD, Income Protection is a financial lifeline.

  • How it Works: It pays out a monthly replacement income (usually 50-65% of your gross salary) if you're unable to work due to any illness or injury, after a pre-agreed waiting period.
  • Key Features to Understand:
    • Deferred Period: This is the waiting period before the policy starts paying out. It can be from 4 weeks to 52 weeks. You should aim to align this with any sick pay you receive from your employer to keep costs down. For the self-employed, a shorter deferred period may be more appropriate.
    • Benefit Period: This is the maximum length of time the policy will pay out for a single claim. It can be short-term (e.g., 1, 2, or 5 years) or long-term (paying out right up until your chosen retirement age). Long-term cover offers the most comprehensive security.
    • Definition of Incapacity: This is critical. The best definition is 'Own Occupation'. This means the policy will pay out if you are unable to do your specific job. Other, less robust definitions like 'Suited Occupation' or 'Any Occupation' make it much harder to claim. We always recommend 'Own Occupation' cover wherever possible.

Critical Illness Cover (CIC)

This cover provides a one-off, tax-free lump sum if you are diagnosed with one of the specific serious conditions listed in the policy document.

  • Relevance for IBD: While IBD itself is rarely a condition that triggers a full payout, some policies may offer partial payments for procedures like permanent stoma surgery.
  • The Bigger Picture: The real value of CIC is its coverage for the most common reasons for claims in the UK: cancer, heart attacks, and strokes. Having IBD does not make you immune to these, and a CIC payout can provide invaluable financial breathing space during recovery.
  • Exclusions: It is likely that an insurer will apply an exclusion for claims related to IBD. However, the policy remains a powerful safety net for dozens of other conditions, protecting your finances from the unexpected.

Specialist Cover for the Self-Employed and Business Owners with IBD

The financial risks of illness are magnified when you run your own business or work for yourself. Specialist protection products are designed to mitigate these risks.

For Freelancers & the Self-Employed

With no employer safety net, personal protection is non-negotiable.

  • Income Protection: This is your sick pay. It ensures your personal finances are protected if a flare-up or any other illness prevents you from working.
  • Personal Sick Pay: These are a type of short-term income protection policy, often with simpler underwriting. They typically have a maximum benefit period of 12 or 24 months, making them a more affordable but less comprehensive alternative to full long-term IP.

For Company Directors

Directors can use the business to fund protection in a highly tax-efficient way.

  • Executive Income Protection: This is an income protection policy owned and paid for by your limited company. The premiums are typically an allowable business expense, and the benefit is paid to the company, which then distributes it to you via PAYE. It protects both the director and the business.
  • Key Person Insurance: If you, as a director with IBD, were to become critically ill or pass away, what would be the financial impact on your business? Key Person cover provides the business with a lump sum to cover lost profits, recruit a replacement, or repay business loans.
  • Shareholder or Partnership Protection: This ensures business continuity. It provides the remaining business owners with the funds to purchase the shares of a partner who has died or been diagnosed with a critical illness. This prevents the shares from passing to family members with no interest in the business and ensures the exiting partner's family receives fair value.

Disclaimer: This is general guidance only and does not constitute formal tax or financial advice. Tax treatment depends on individual circumstances, policy terms, and HMRC interpretation, which cannot be guaranteed in advance. Whenever applicable, businesses and individuals should always consult a qualified accountant or tax adviser before arranging such policies.

Your 5-Step Application Strategy for Success

Navigating the insurance market with a pre-existing medical condition can be daunting. Following a structured process will maximise your chances of securing the right cover at the best price.

Step 1: Get Your Medical Details in Order Before you begin, gather all the key information about your IBD. Having this to hand will make the process smoother and faster.

  • Exact diagnosis (Crohn's Disease or Ulcerative Colitis).
  • Date of diagnosis.
  • Details of all medications (past and present), including dosages.
  • Dates of your last consultation and your last flare-up.
  • Details of any hospitalisations or surgeries, including dates.

Step 2: Do NOT Go Direct to an Insurer or Use a Comparison Site This is the single biggest mistake you can make. If you apply directly and are declined, this leaves a "footprint" on your record that other insurers can see, making it harder to get cover elsewhere. Comparison sites are not equipped to handle complex medical disclosures and will not find you the most suitable options.

Step 3: Use a Specialist, Independent Broker A specialist broker (like us at WeCovr) is your advocate.

  • Expert Knowledge: We know the underwriting stance of every major UK insurer. We know which ones are more favourable towards IBD and which to avoid.
  • Pre-Underwriting Enquiries: We can speak to insurance underwriters on your behalf anonymously before submitting a formal application. This allows us to gauge the likely outcome without any risk to you.
  • Market Access: We have access to the whole market, ensuring you see all the suitable options, not just one.
  • No Extra Cost: Our service is free to you; we are paid a commission by the insurer you choose.

Step 4: Be 100% Honest and Accurate It can be tempting to downplay your symptoms or "forget" a hospital stay to get a lower premium. Do not do this. This is known as 'non-disclosure'. If the insurer discovers the true picture later—which they will when they check your medical records at the point of a claim—they are entitled to void the policy and refuse to pay out. This would be a devastating outcome for your family. Full disclosure guarantees a valid policy.

Step 5: Place Your Policy in Trust Once your policy is approved, placing it in trust is a simple but vital final step. A trust is a legal arrangement that separates the policy proceeds from your estate.

  • It avoids probate: The payout goes directly to your beneficiaries without delay.
  • It can mitigate Inheritance Tax: The money isn't counted as part of your estate for IHT purposes.
  • It's free: A good broker will help you complete the trust forms at no extra cost as part of their service.

Managing Your Health and Your Premiums

Your health has a direct impact on your insurance premiums. Proactive management not only benefits your well-being but can also save you money.

  • Stop Smoking: If you are a smoker with Crohn's Disease, quitting is the single most impactful thing you can do for your health and your insurance prospects. Most insurers will re-classify you as a non-smoker after 12 months nicotine-free, which can cut your premiums by as much as 50%.
  • Manage Your BMI: A healthy Body Mass Index demonstrates good overall health management to an insurer. If your BMI is high, taking steps to reduce it can lead to better terms.

At WeCovr, we believe in supporting our clients' long-term health. That's why we provide all our protection clients with complimentary lifetime access to CalorieHero, our AI-powered calorie and nutrition tracking app. It's a small way we can help you on your wellness journey, which can positively influence your financial planning.

Frequently Asked Questions about IBD and Insurance

Do I have to declare my Crohn's or Colitis on a life insurance application?

Yes, absolutely. Inflammatory Bowel Disease is considered a significant medical condition and a 'material fact'. You must declare it fully and honestly on any application for life, critical illness, or income protection insurance. Failure to do so could result in your policy being cancelled and any future claim being denied.

Will taking biological medication like Infliximab mean I'll be declined?

Not necessarily. While taking biologics (such as Infliximab or Adalimumab) does indicate to an insurer that your IBD is more severe, it doesn't automatically lead to a decline. Many insurers will still offer cover, usually with a significant premium loading. A specialist broker can identify the insurers who take a more nuanced view of well-managed conditions on modern treatments.

Is Critical Illness Cover worth it if it excludes IBD?

Yes, for most people, it is still extremely valuable. While an insurer may apply an exclusion for claims relating to IBD, the policy will still cover you for the UK's most common causes of claims, such as most types of cancer, heart attack, and stroke. A CIC policy with an exclusion provides a huge financial safety net against a wide range of other life-changing illnesses.

Can I get income protection if I have had surgery for IBD?

Yes, it is possible, but timing is crucial. Insurers will want to see a period of stability after surgery, typically at least 12-24 months, with no complications before they will consider an application. The likely outcome would be a policy with a premium loading and potentially an exclusion for any IBD-related claims.

Taking the Next Step

Living with Crohn's or Colitis requires resilience and careful management. Your financial planning should be no different. While securing protection might seem complex, the path to peace of mind is clearer than you think. With honest disclosure, proper preparation, and expert guidance, you can put a robust financial safety net in place for yourself and your family.

The key is not to go it alone. By working with specialists who understand both the insurance market and your condition, you can navigate the process with confidence.

Ready to explore your options? The expert advisers at WeCovr are here to help. We'll compare quotes from across the entire market to find a suitable solution for your needs, with no obligation. Get your free quote today and take the first step towards securing your financial future.

Sources

  • NHS
  • Crohn's & Colitis UK
  • Association of British Insurers (ABI)
  • Financial Conduct Authority (FCA)
  • GOV.UK
  • Office for National Statistics (ONS)

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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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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!

There is no need to wait until the renewal of your current policy.
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 experienced 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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Any questions?

Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.

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