Life Insurance for Accountancy Firms UK
As an accountant, you are the architect of financial stability for your clients. You spend your days balancing books, navigating complex tax legislation, and planning for fiscal futures. But in the process of securing everyone else's financial well-being, have you taken the time to fortify your own?
The demands of the accountancy profession are unique. Long hours, intense periods of stress around tax deadlines, and the predominantly sedentary nature of the work create a specific set of risks. These risks aren't just professional; they have a direct impact on your health, your income, and the long-term security of your family and your business.
This is where protection insurance—including life insurance, critical illness cover, and income protection—moves from being a 'nice-to-have' to an essential component of your personal and business financial strategy. It's the safety net that protects your most valuable assets: your ability to earn an income, the stability of your practice, and your family's future.
This comprehensive guide is designed specifically for partners, directors, and self-employed accountants in the UK. We will explore the tailored cover options that can safeguard you, your loved ones, and the business you've worked so hard to build.
Cover options tailored for finance practices
Accountants possess a rare level of financial literacy. You understand risk, return, and the importance of contingency planning better than most. Yet, this expertise can sometimes lead to a blind spot when it comes to personal and business protection. It's easy to focus on accumulating assets and growing your practice, while overlooking the foundational insurance needed to protect it all from an unexpected illness, injury, or death.
For an accountancy practice, the financial ecosystem is intricate. It involves personal mortgages and family commitments, business loans, partnership agreements, and the value tied up in key individuals. A single unforeseen event can cause a domino effect, threatening both personal wealth and business continuity.
The solution is a multi-layered protection strategy, encompassing both personal and business needs.
Personal Protection: This is about you and your family. It ensures your personal financial obligations (like a mortgage) are met and your family's lifestyle is maintained if you can no longer provide for them.
- Life Insurance
- Critical Illness Cover
- Income Protection
- Family Income Benefit
Business Protection: This is about the practice itself. It provides the capital to keep the business stable, manage transitions, and protect its value if a partner or director dies or suffers a serious illness.
- Key Person Insurance
- Shareholder & Partnership Protection
- Relevant Life Insurance
- Executive Income Protection
Let's break down each of these components to build a complete picture of financial resilience for you and your firm.
Personal Protection for Accountants: Securing Your Own Financial Future
Your greatest asset is your ability to generate income through your skills and knowledge. Personal protection insurance acts as a shield around this asset, ensuring your financial world doesn't crumble if you're no longer in the picture or unable to work.
Life Insurance
Life insurance provides a tax-free lump sum or a regular income to your loved ones if you pass away. It's the cornerstone of financial planning for anyone with dependents or a mortgage.
- Level Term Insurance: Pays out a fixed lump sum if you die within a set term (e.g., 25 years). It's ideal for covering an interest-only mortgage or providing a specific inheritance for your family.
- Decreasing Term Insurance: The potential payout reduces over time, typically in line with a repayment mortgage. As you pay off your mortgage, the amount of cover needed decreases, making this a highly cost-effective option.
- Whole of Life Insurance: This policy is guaranteed to pay out whenever you die, as long as you maintain the premiums. It's often used for covering a guaranteed Inheritance Tax (IHT) liability or leaving a planned legacy.
Example in Practice: Sarah, a 40-year-old accountant and partner in a mid-sized firm, has a £400,000 mortgage and two children. She takes out a £400,000 decreasing term policy to clear the mortgage and a separate £250,000 level term policy to provide for her children's education and living costs until they are financially independent.
A crucial, yet often missed, step is placing your life insurance policy into a Trust. By doing so, the payout is made directly to your chosen beneficiaries, bypassing your estate. This means it is not subject to Inheritance Tax and, crucially, avoids the lengthy and often stressful probate process, getting the money to your family much faster.
Critical Illness Cover
The probability of suffering a serious illness before retirement is often higher than people think. According to Cancer Research UK, 1 in 2 people in the UK will be diagnosed with cancer in their lifetime. Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with one of a list of specific serious conditions defined in the policy, such as a heart attack, stroke, or cancer.
For an accountant, a critical illness diagnosis can be financially devastating. You might need to:
- Take an extended period off work, impacting your income.
- Pay for private medical treatments to speed up recovery.
- Make adaptations to your home.
- Clear debts, like a mortgage, to reduce financial pressure.
The lump sum gives you the financial freedom to focus on your recovery without worrying about the bills.
Income Protection
If life insurance is the foundation, Income Protection is the pillar that supports your entire financial structure while you are alive. It is arguably the most vital insurance for any working professional, especially those in high-skill, high-income roles like accountancy.
If you are unable to work due to any illness or injury (not just the 'critical' ones), an Income Protection policy pays out a regular, tax-free monthly income until you can return to work, retire, or the policy term ends.
Key Considerations for Accountants:
- Definition of Incapacity: Always opt for an 'Own Occupation' definition. This means the policy will pay out if you are unable to perform the specific duties of your job as an accountant. Lesser definitions ('Suited Occupation' or 'Any Occupation') may not pay out if the insurer believes you could do another job, even if it's unrelated to your qualifications and pays less.
- Deferment Period: This is the waiting period from when you stop working to when the payments begin. It can range from 1 day to 12 months. You can align this with any sick pay you receive from your firm or your personal savings. A longer deferment period results in a lower monthly premium.
According to the Office for National Statistics (ONS), an estimated 2.8 million people were economically inactive due to long-term sickness in early 2024. Without Income Protection, you would be reliant on state benefits, which are rarely sufficient to cover the lifestyle of a professional.
| Feature | Description | Importance for Accountants |
|---|---|---|
| Cover Amount | Up to 60-70% of your gross annual income. | Replaces a significant portion of your salary. |
| Deferment Period | Waiting time (e.g., 4, 13, 26, 52 weeks). | Match to your firm's sick pay or savings. |
| Payment Term | Can pay out until a chosen age (e.g., 65). | Provides long-term security, not just short-term relief. |
| Incapacity Definition | 'Own Occupation' is essential. | Ensures a claim is valid if you can't work as an accountant. |
Family Income Benefit
This is a variation of life insurance that, instead of a single lump sum, provides a regular, tax-free monthly or annual income to your family upon your death. It's an excellent and often more affordable way to replace your lost salary and cover day-to-day living expenses, ensuring your family's financial stability isn't disrupted. The payments continue until the end of the policy term, which is typically set to coincide with when your children would be expected to be financially independent.
Business Protection: Safeguarding Your Accountancy Practice
While personal protection secures your family, business protection secures the firm you've dedicated your career to building. It’s the business equivalent of a pre-nuptial agreement, put in place when everything is going well to manage a future crisis.
Key Person Insurance
In an accountancy firm, certain individuals are indispensable. This might be a founding partner who holds key client relationships, a specialist tax adviser whose expertise generates significant fee income, or a director with unique management skills.
What would happen to your firm's revenue and stability if this 'key person' were to die or be diagnosed with a critical illness?
Key Person Insurance is a policy taken out and paid for by the business on the life of that crucial individual. If the insured person passes away or becomes critically ill, the policy pays a lump sum directly to the business. This money can be used to:
- Cover lost profits during the period of disruption.
- Recruit and train a suitable replacement.
- Repay business loans that the key person may have guaranteed.
- Reassure clients, lenders, and employees that the business is stable.
The amount of cover is calculated based on the person's value to the business, often as a multiple of their salary or their direct contribution to gross profit.
| Impact of Losing a Key Person | How Key Person Insurance Helps |
|---|---|
| Immediate loss of revenue/profit. | Injects cash to cover the financial shortfall. |
| Decline in client confidence. | Funds can be used for reassurance campaigns or hiring interim support. |
| Difficulty in finding a replacement. | Provides the budget for executive search firms and training. |
| Pressure from lenders to repay loans. | Gives the business the capital to clear or service debt. |
Shareholder or Partnership Protection
For firms with two or more owners, this is arguably the most critical form of business protection. Consider this scenario:
A three-partner accountancy LLP. One partner unexpectedly passes away. Their share in the business, as an asset, automatically passes to their spouse as part of their estate. The spouse has no accountancy experience and no interest in the business, but they are now a part-owner. They may want to sell the share, but to whom? Or they may want to be bought out, but do the remaining partners have the personal funds to buy the share at its full market value?
This situation can lead to conflict, financial strain, and potentially the forced sale or dissolution of the firm.
Shareholder or Partnership Protection solves this. It's a combination of life insurance policies and a legal agreement.
- The Policies: Each partner takes out a life insurance policy on the lives of the other partners, often with critical illness cover included. These policies are typically written into a business trust.
- The Agreement: A solicitor drafts a 'cross-option agreement' which is signed by all partners. This agreement states that in the event of a partner's death, the surviving partners have the option to buy the deceased's share, and the deceased's estate has the option to sell it to them.
When a partner dies, the insurance policy pays out to the surviving partners, providing them with the exact amount of cash needed to purchase the share from the deceased's family at a pre-agreed valuation. This ensures a smooth, fair, and funded transfer of ownership, allowing the business to continue with minimal disruption.
Relevant Life Insurance
For accountancy practices set up as limited companies, Relevant Life Insurance is an exceptionally tax-efficient way to provide death-in-service benefits for directors and employees.
It's a personal life insurance policy that is paid for by the business. The key benefits are the tax savings:
- Premiums are typically treated as an allowable business expense for the company, reducing its Corporation Tax bill.
- The premiums are not treated as a P11D benefit-in-kind for the employee/director, meaning no extra Income Tax or National Insurance contributions are due.
- The payout is made via a trust, so it does not form part of the deceased's estate for Inheritance Tax purposes.
This makes it far more tax-efficient than a director paying for personal life insurance from their post-tax income.
| Feature | Personal Life Insurance | Relevant Life Insurance |
|---|---|---|
| Who Pays? | The individual, from post-tax income. | The business. |
| Tax Deductible? | No. | Yes, for the business. |
| Benefit in Kind? | N/A. | No. |
| Best For | Sole traders, partnerships. | Directors of limited companies. |
Executive Income Protection
Similar to Relevant Life, Executive Income Protection allows a limited company to pay for an income protection policy for a director or key employee in a tax-efficient manner.
The policy is owned and paid for by the business. If the insured employee is unable to work due to illness or injury, the policy pays the benefit to the company. The company then pays this income to the employee through the normal PAYE system.
While the employee pays income tax and NI on the income they receive (just as they would on their salary), the premiums paid by the business are generally considered an allowable business expense. This provides a formal, funded sick pay arrangement that protects both the director's income and the company's cash flow.
Solutions for Self-Employed Accountants and Freelancers
The rise of the gig economy has seen many accountants operate as sole traders or freelancers. While this offers flexibility, it removes the safety net of an employer's benefits package. For this group, personal protection is not just important; it is the only safety net.
- Income Protection is paramount. With no employer sick pay, any time off work means an immediate stop to all income. An 'own occupation' policy is a lifeline.
- Personal Sick Pay policies can also be a good fit. These are often shorter-term income protection plans, designed to cover immediate bills with very short deferment periods (as little as one day). They are particularly useful for those whose income might fluctuate.
- Critical Illness Cover and Life Insurance are equally vital to protect personal assets and family members from the financial fallout of a health crisis or death.
As an expert broker, WeCovr can help self-employed professionals find policies that are flexible enough to adapt to changing income levels, ensuring your cover remains relevant and affordable.
Advanced Planning: Inheritance Tax and Gifting
As successful professionals, many accountants accumulate significant personal wealth, bringing Inheritance Tax (IHT) into focus. With your intricate knowledge of the tax system, you'll know that planning is key. Insurance offers powerful tools for IHT mitigation.
Gift Inter Vivos Insurance
When you gift an asset (such as cash or property) to someone, it is considered a Potentially Exempt Transfer (PET). If you survive for seven years after making the gift, it falls completely outside your estate for IHT purposes. However, if you die within those seven years, the gift becomes chargeable to IHT on a sliding scale.
A Gift Inter Vivos policy is a special type of decreasing term life insurance designed to cover this tapering liability. The sum assured decreases over the seven-year term, mirroring the reducing IHT bill. It provides peace of mind that your beneficiaries won't be hit with an unexpected tax bill if you pass away shortly after making a generous gift.
Whole of Life Insurance in Trust
For a residual IHT liability on your estate that cannot be mitigated otherwise, a Whole of Life insurance policy is the classic solution. By taking out a policy for the value of the expected tax bill and placing it in a trust, you create a dedicated fund. Upon your death, the policy pays out to the trust, and your beneficiaries can use this money to pay the IHT bill without having to sell assets like the family home or shares in your practice.
The Accountant's Advantage: Understanding the Numbers
One of the biggest misconceptions about protection insurance is that it's expensive. In reality, the cost of securing a multi-million-pound business or a six-figure income is often surprisingly low—a tiny fraction of the value it protects.
As an accountant, you appreciate a clear cost-benefit analysis. Here are some illustrative examples for a 40-year-old non-smoker in good health:
Example Personal Cover Premiums (Monthly)
| Cover Type | Sum Assured / Benefit | Term / Deferment | Indicative Premium |
|---|---|---|---|
| Level Term Life | £500,000 | 25 Years | £25 - £35 |
| Critical Illness | £100,000 | 25 Years | £40 - £55 |
| Income Protection | £3,500 / month | 13-week deferment | £50 - £70 |
These are illustrative premiums only and the actual cost will depend on your individual circumstances, including age, health, smoker status, and occupation.
The return on investment is clear: a manageable monthly outlay provides a financial backstop worth hundreds of thousands, or even millions, of pounds. For business protection policies like Relevant Life and Executive Income Protection, the tax efficiencies further reduce the net cost to the business, making the case even more compelling.
Wellness, Health, and Added-Value Benefits
The insurance industry has evolved. Modern protection policies are no longer just about paying a claim; they are about helping you stay healthy in the first place. This is particularly relevant for accountants, whose profession carries specific health risks.
Wellness Tips for Finance Professionals:
- Combat Sedentary Work: The link between prolonged sitting and health issues is well-documented. Consider a standing desk, take regular five-minute breaks to walk and stretch, and build activity into your day with a lunchtime walk or walking meetings.
- Manage Stress: The pressure of deadlines is immense. Practising mindfulness, using techniques like the Pomodoro method (25 minutes of focused work followed by a 5-minute break), and ensuring you completely switch off after work are vital for preventing burnout.
- Prioritise Sleep: High-level cognitive function, accuracy, and decision-making—the cornerstones of your profession—are severely impaired by poor sleep. Aim for 7-9 hours of quality sleep per night.
- Mindful Nutrition: It's easy to rely on caffeine and sugary snacks during busy periods. Plan ahead with healthy desk-side snacks and balanced lunches to maintain stable energy levels and focus.
Recognising these challenges, many insurers now include a suite of free, value-added benefits with their policies, accessible from day one:
- 24/7 Virtual GP Services: Get medical advice via phone or video call without waiting for an appointment.
- Mental Health Support: Access to confidential counselling and therapy sessions.
- Second Medical Opinion Services: If you're diagnosed with a serious illness, you can get your diagnosis and treatment plan reviewed by a world-leading expert.
- Fitness and Nutrition Programmes: Discounts on gym memberships and access to wellness apps.
At WeCovr, we believe in this proactive approach to health. That's why, in addition to the benefits offered by insurers, we provide our clients with complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. It’s our way of going the extra mile, helping you manage your health and well-being long before you might ever need to make a claim.
How to Choose the Right Cover: Working with an Expert Broker
Navigating the world of protection insurance can be complex. The definitions, the legal structures like trusts, and the tax implications require specialist knowledge. While it might be tempting to go direct to an insurer, you risk choosing the wrong product, the wrong level of cover, or missing out on crucial tax efficiencies.
This is where an independent broker becomes an invaluable partner.
Working with a specialist adviser at WeCovr ensures that you, as a busy professional, get the right advice tailored to your unique situation. Our process is simple and thorough:
- Discovery: We take the time to understand your personal finances, your family commitments, your business structure, and your long-term goals.
- Market Research: We use our expertise and technology to search the entire UK market, comparing policies from all the major insurers to find the highest quality cover at the most competitive price.
- Recommendation: We present you with a clear, jargon-free recommendation that explains exactly what cover you need and why. We'll model the tax efficiencies for business policies so you can see the precise financial benefit.
- Implementation: We handle the entire application process for you, making it as seamless as possible.
- Trusts and Review: We provide guidance on placing your policies in trust free of charge and recommend regular reviews to ensure your cover remains aligned with your changing life and business circumstances.
For financially astute professionals like accountants, working with an expert broker is not a cost—it's an investment in getting it right.
In Conclusion: The Ultimate Contingency Plan
You wouldn't let a client operate without a robust financial plan and solid contingency measures. It's time to apply that same rigorous standard to your own life and business.
Protection insurance is the ultimate contingency plan. It's the legal and financial framework that guarantees financial stability when life throws the unexpected your way. A comprehensive strategy, blending personal and business protection, creates a fortress around your income, your family, and your firm.
Don't let your own financial plan be the one you neglect. Take the time today to review your protection needs and ensure the future you're working so hard for is truly secure.
Is business life insurance tax-deductible for an accountancy firm?
What is the difference between 'own occupation' and 'any occupation' for income protection?
Do I need a medical exam to get cover?
How much cover do I actually need?
Can my partnership still get cover if one partner has a pre-existing medical condition?
Why should I use a broker like WeCovr instead of going direct to an insurer?
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!