Life Insurance for Airline Pilots UK
As a commercial airline pilot, you operate in a world of precision, responsibility, and immense skill. Your career is not just a job; it's a vocation that requires peak physical and mental condition, supported by years of rigorous training. While you expertly manage the complexities of flight, it's equally vital to navigate your personal financial planning with the same level of care and foresight.
Securing the right financial protection—from life insurance to income protection—is a cornerstone of this planning. It ensures that no matter what turbulence life may bring, your family's financial future remains secure on the ground. However, many pilots assume that their profession automatically places them in a high-risk category, leading to expensive premiums or even difficulty in obtaining cover.
The good news is that for most commercial pilots in the UK, this is simply no longer the case. Insurers have become far more sophisticated in their understanding of the aviation industry's exceptional safety standards.
This comprehensive guide is designed to demystify life insurance, critical illness cover, and income protection for UK airline pilots. We'll explore the specific products you need, how insurers assess your unique role, and how you can secure robust and affordable cover to protect yourself and your loved ones.
Comprehensive Cover for Commercial Airline Pilots
For decades, a pilot's profession was viewed by insurers through a lens of high risk. This perception often led to significantly loaded premiums or restrictive terms. Today, the landscape has changed dramatically. Due to the outstanding safety record of modern commercial aviation and the stringent medical requirements pilots must meet, most UK insurers now offer standard or near-standard rates for commercial pilots.
However, "standard" doesn't mean one-size-fits-all. The nuances of your role—the type of aircraft you fly, your routes, and your employment status—all play a part in tailoring the perfect protection package. This is why seeking specialist advice is not just beneficial, it's essential.
A broker with expertise in aviation-related insurance, like us at WeCovr, can navigate the market on your behalf. We understand the specific questions insurers will ask and can present your application to the providers most likely to offer favourable terms. Our goal is to ensure you aren't penalised for your profession but are instead recognised for the dedicated and healthy professional you are.
Why Standard 'Off-the-Shelf' Policies Aren't Enough
A pilot's career has unique vulnerabilities that standard insurance policies might not address:
- The Class 1 Medical: Your ability to earn is directly tied to maintaining your Class 1 Medical Certificate. A health issue that might merely sideline someone in an office job could permanently end your flying career.
- Income Structure: Your salary, often supplemented by flying allowances and other benefits, can be substantial. Protecting this high level of income requires a specific type of cover.
- Employer Benefits: While airline benefits like death-in-service and sick pay are valuable, they are rarely sufficient on their own and are tied to your employment. If you leave your job, you lose the cover.
Understanding these factors is the first step towards building a financial safety net that is as reliable as the aircraft you fly.
Understanding How Insurers Assess Risk for Pilots
When you apply for life insurance, critical illness cover, or income protection, the insurer undertakes a process called underwriting. This is where they assess the level of risk you present. For a pilot, this involves a few extra questions, but it's usually a straightforward process.
Here are the key factors underwriters will consider:
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Type of Flying: There is a significant distinction made between a commercial pilot for a major airline and other types of aviators.
- Commercial Airline Pilots: Flying scheduled passenger routes for airlines like British Airways, easyJet, or Virgin Atlantic is generally seen as low risk.
- Cargo & Freight Pilots: Also typically viewed as low risk and often eligible for standard rates.
- Other Roles: Helicopter pilots, crop dusters, or flight instructors may face more detailed questioning and potentially different terms.
- Private/Hobby Flying: If you fly for pleasure in addition to your job, this will be assessed separately as it falls outside the stringent regulations of commercial aviation.
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Flight Routes & Destinations: Insurers will want to know where you fly.
- Standard Routes: Flying primarily within the UK, Europe, North America, and other politically stable regions will not affect your application.
- High-Risk Zones: If your role requires you to fly to active conflict zones or areas with significant political instability, the insurer may apply an exclusion for death occurring in that region or increase the premium. This is assessed on a case-by-case basis.
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Flying Hours: The number of hours you fly per year is a standard question. For a commercial pilot, your hours will fall within tightly regulated limits (e.g., the UK Civil Aviation Authority (CAA) limit is 900 hours in any 12 consecutive months), which insurers understand and are comfortable with.
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Your Health & Medical History: This is where being a pilot is a huge advantage. The requirement to pass and maintain a Class 1 Medical Certificate demonstrates to an insurer that you are in excellent health. It provides a detailed, up-to-date record of your fitness, which can speed up the application process and result in better terms. You must, however, still disclose your full medical history on the application form.
- High-Risk Hobbies: Your activities outside the cockpit matter too. If you participate in hobbies like mountaineering, scuba diving, or motorsport, you will need to declare them. Depending on the frequency and level of risk, this could lead to a premium increase or an exclusion for that specific activity.
How Insurers View Different Pilot Factors
| Factor | Lower Risk Assessment | Higher Risk Assessment |
|---|---|---|
| Profession | Commercial Airline Pilot | Helicopter Air Ambulance Pilot |
| Employer | Major UK/European Airline | Small Charter Company |
| Routes | UK, Europe, North America | Active Conflict Zones |
| Aircraft | Commercial Airliner (e.g., A320) | Experimental Aircraft (hobby) |
| Health | Clean Class 1 Medical | Disclosed Pre-Existing Conditions |
| Hobbies | Golf, hiking, gym | Rock climbing, regular skydiving |
Ultimately, honesty and transparency are critical. Providing accurate information ensures that your policy is valid and will pay out when your family needs it most.
Core Protection Products for Airline Pilots
A robust financial protection plan for a pilot should be built on three core pillars: Life Insurance, Critical Illness Cover, and Income Protection. Let's break down each one.
1. Life Insurance
Life insurance pays out a lump sum or a regular income to your loved ones if you pass away during the policy term. This money can be used to clear a mortgage, cover funeral costs, pay for children's education, and replace your lost income.
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Term Life Insurance: This is the most common and affordable type. It covers you for a fixed period (the 'term'), such as the length of your mortgage or until your children are financially independent.
- Level Term: The payout amount remains the same throughout the policy term. Ideal for providing a lump sum for your family to invest for an income.
- Decreasing Term: The payout amount reduces over time, usually in line with a repayment mortgage. It's a cost-effective way to ensure your mortgage is paid off.
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Family Income Benefit: Instead of a single lump sum, this policy pays out a regular, tax-free monthly or annual income to your family from the time of the claim until the end of the policy term. This can be easier for a family to manage than a large lump sum and directly replaces your monthly salary.
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Whole of Life Insurance: This policy guarantees a payout whenever you die, as it has no end date. It is significantly more expensive and is typically used for specific inheritance tax planning purposes, such as covering a future tax liability on your estate. A related product, Gift Inter Vivos insurance, can cover the potential inheritance tax bill on large gifts made during your lifetime.
2. Critical Illness Cover (CIC)
Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with one of a list of specific serious illnesses defined in the policy. Common conditions include heart attack, stroke, and many types of cancer.
For a pilot, CIC is incredibly important. A diagnosis of a condition like cancer or a heart attack would almost certainly lead to the immediate and permanent loss of your Class 1 Medical, ending your career instantly.
The lump sum from a CIC policy can provide a vital financial cushion, allowing you to:
- Clear your mortgage or other major debts.
- Adapt your home if required.
- Pay for specialist medical treatment not available on the NHS.
- Provide funds to retrain for a new career.
- Reduce financial stress while you focus on your recovery.
When choosing a CIC policy, it's crucial to look at the number and quality of the conditions covered. Some providers offer enhanced policies with over 100 conditions covered, including less severe illnesses that might still be career-ending for a pilot.
3. Income Protection Insurance
If life insurance is for your family, income protection is for you. It is arguably the most important financial protection product for any working professional, especially a high-earning pilot.
Income Protection pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury. It continues to pay out until you can return to work, or until the end of the policy term (typically your planned retirement age).
The 'Own Occupation' Definition: A Non-Negotiable for Pilots
When arranging income protection, the single most important feature for a pilot is the 'own occupation' definition of incapacity.
- Own Occupation: The policy will pay out if you are unable to perform the specific duties of your job as an airline pilot.
- Any Occupation: A lesser definition that only pays out if you are unable to do any job whatsoever.
- Suited Occupation: Pays out if you are unable to do your own job or a job for which you are suited by education, training, or experience.
For a pilot, an 'any' or 'suited' occupation definition is dangerously inadequate. You could lose your medical for a reason that stops you from flying but wouldn't prevent you from working in a ground-based role. With a 'suited occupation' policy, the insurer could argue that you are capable of being an aviation consultant or trainer and therefore refuse to pay your claim.
An 'own occupation' policy provides the certainty that if you can no longer fly for a living due to illness or injury, your income is protected.
Key Features of Income Protection:
- Deferment Period: This is the waiting period between when you stop working and when the policy starts paying out. You can choose a period that aligns with your airline's sick pay arrangements (e.g., 3, 6, or 12 months) to keep costs down.
- Benefit Amount: You can typically cover up to 60-70% of your gross annual salary. This is paid tax-free, making it broadly equivalent to your net take-home pay.
- Benefit Period: A long-term plan that pays until retirement age (e.g., 65) is strongly recommended for complete peace of mind.
Core Protection Product Comparison
| Feature | Life Insurance | Critical Illness Cover | Income Protection |
|---|---|---|---|
| Trigger | Death | Diagnosis of a specified illness | Inability to work due to illness/injury |
| Payout | Lump sum or regular income | Tax-free lump sum | Regular tax-free monthly income |
| Purpose | Protect family, clear debts | Clear debts, cover medical costs | Replace your lost salary |
| Key Feature | Term vs. Whole of Life | Quality of conditions covered | 'Own Occupation' definition |
What About Loss of Licence Insurance?
Loss of Licence (LOL) insurance is a specialist policy unique to the aviation industry. It pays out a large, single lump sum if you have your Class 1 Medical Certificate suspended or revoked on a permanent basis.
Many airlines provide a level of LOL cover as part of their employee benefits package, often calculated as a multiple of your salary.
Loss of Licence vs. Income Protection
It is a common and dangerous misconception that Loss of Licence cover is a substitute for Income Protection. They are fundamentally different products that serve different purposes:
- Loss of Licence: Provides a one-off lump sum for a specific event (losing your medical). This sum can be used to clear debts or as a fund to draw from while you retrain. However, once it's gone, it's gone.
- Income Protection: Provides an ongoing monthly income for any illness or injury that stops you working. It acts as a direct salary replacement, potentially paying out for decades until your retirement age.
A pilot could suffer an injury (e.g., a broken leg) that prevents them from working for 8 months. Income Protection would pay out after the deferment period, but Loss of Licence cover would not, as the medical is likely to be reinstated.
Conversely, you could lose your licence for a very specific medical reason (e.g., a minor hearing or vision deterioration) that is not severe enough to trigger an Income Protection claim if you could still perform another job, but it would trigger a Loss of Licence policy.
The best-practice approach is to have both. Use your employer-provided Loss of Licence cover as a foundation and supplement it with a comprehensive, long-term, 'own occupation' Income Protection policy.
Special Considerations for Airline Captains, First Officers & Trainees
Your insurance needs evolve throughout your career.
- Trainee Pilots: You are investing a significant sum (often over £100,000) in your training. Securing income protection and life insurance early on can be a smart move to protect this investment, though some insurers may wait until you are fully qualified and employed.
- First Officers: As you begin earning a substantial salary, protecting your income becomes paramount. This is the ideal time to establish a robust plan with 'own occupation' income protection and sufficient life cover for your circumstances (e.g., if you buy a property or start a family).
- Captains: With a peak salary comes the need for a higher level of cover. It's crucial to review your existing policies to ensure the benefit amounts still align with your income and liabilities. As you get older, the value of having long-term policies in place from a younger age becomes clear, as they will be significantly cheaper than taking out new cover.
Cover for Self-Employed & Contract Pilots
If you operate as a contract pilot through your own limited company, you lack the safety net of employee benefits. This makes personal protection absolutely critical. However, operating as a limited company also unlocks more tax-efficient ways to arrange cover:
- Executive Income Protection: This is an income protection policy that is owned and paid for by your limited company. The premiums are typically an allowable business expense, making it a highly tax-efficient way to secure your income. The benefit is paid to the company, which then distributes it to you as salary.
- Relevant Life Cover: This is a company-paid death-in-service policy for you as an employee/director. It provides a lump sum payout to your family, but because the company pays the premiums, it is not treated as a P11D benefit-in-kind, saving you income tax and National Insurance. The premiums are also usually a deductible business expense.
For any pilot running their own limited company, exploring these options with an expert adviser is a must.
The Application Process: A Step-by-Step Guide
Working with a specialist broker like WeCovr makes the application process smooth and straightforward.
- Discovery & Advice: We'll have an in-depth conversation to understand your personal and financial situation, your career details, and your protection goals. We will then research the entire market to find the most suitable insurers and products for you.
- The Application: We assist you in completing the application form. This will include questions about your health, lifestyle, and specific details about your flying career (as discussed above). Absolute honesty is vital.
- Underwriting: The insurer reviews your application. They may write to your GP for a medical report (a GPR) to confirm your health history. Your Class 1 Medical status is a strong positive factor here. They will assess all the information to determine the final terms.
- Offer of Terms: The insurer issues their decision. In most cases for commercial pilots, this will be standard rates. If there are any changes (e.g., a premium increase or an exclusion due to a health condition or hobby), we will explain these clearly to you.
- Policy Activation: Once you are happy with the terms and accept the offer, your cover goes live upon payment of the first premium. You and your family are now protected.
Health & Wellness: Protecting Your Most Valuable Asset
For a pilot, your health is your career. Maintaining your Class 1 Medical is non-negotiable, and a proactive approach to wellness is part of the job. This focus on health not only secures your career but also helps in obtaining better terms for your insurance.
- Nutrition: A balanced diet is crucial for maintaining energy, focus, and cognitive function during long-haul flights and irregular schedules. Prioritising whole foods, lean proteins, and complex carbohydrates over processed foods and sugar can have a significant impact on your performance and long-term health.
- Sleep & Fatigue Management: Mastering sleep hygiene is essential for combating jet lag and managing the fatigue that comes with a pilot's lifestyle. Strategies like creating a consistent pre-sleep routine, optimising your sleep environment, and strategic napping (where permitted) are vital tools.
- Physical Activity: The UK's Chief Medical Officers recommend at least 150 minutes of moderate-intensity activity a week. Regular cardiovascular exercise is particularly important for maintaining the strict health standards required of pilots. It also serves as a powerful tool for stress management.
- Mental Wellbeing: The pressures of the job are immense. The CAA and airlines have made huge strides in destigmatising mental health issues, encouraging pilots to seek support when needed through programmes like Pilot Peer Support. Proactively managing stress through mindfulness, exercise, and maintaining a strong social support network is key.
At WeCovr, we believe in supporting our clients' overall wellbeing beyond just insurance. That's why we provide our customers with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It's a simple, effective tool to help you manage your diet, stay in peak physical condition, and protect the asset that is your health.
Case Study: Captain Evans' Financial Flight Plan
Let's look at a typical example to see how these products work in practice.
- Profile: Captain Evans is 42, a long-haul pilot for a major airline. He is married with two children aged 10 and 12. His salary is £120,000 per year. They have a £350,000 repayment mortgage with 20 years remaining.
- Airline Benefits: His employer provides 4x salary Death in Service cover (£480,000) and 6 months of full sick pay.
- Needs Analysis:
- The mortgage must be cleared if he passes away.
- His family would need a replacement income on top of the death-in-service lump sum.
- His own income needs protecting if he's unable to fly long-term.
- A critical illness diagnosis would be financially devastating.
- The Solution (arranged via an expert broker):
- Decreasing Term Life & Critical Illness Cover: A joint policy for £350,000 over 20 years. This ensures the mortgage is cleared if either he or his partner dies or is diagnosed with a critical illness.
- Family Income Benefit: A personal life insurance policy set to pay out a tax-free income of £3,500 per month until his youngest child turns 25. This provides a dedicated, manageable income for his family's living costs.
- 'Own Occupation' Income Protection: A policy to pay a benefit of £5,800 per month (approx. 70% of his gross salary, tax-free). He chooses a 26-week deferment period to align with his airline's sick pay, which makes the policy more affordable. The policy is set to pay out until his retirement age of 65.
This multi-layered plan gives Captain Evans and his family 360-degree protection, ensuring financial security against every major eventuality. The total cost for this comprehensive cover is often far more affordable than most pilots expect.
Your Financial Security Cleared for Takeoff
As an airline pilot, you leave nothing to chance. Every flight is meticulously planned and executed. Your personal financial security deserves the same level of professional attention.
Navigating the insurance market can seem complex, but it doesn't have to be. For the vast majority of commercial pilots in the UK, obtaining comprehensive and affordable life insurance, critical illness cover, and income protection is entirely achievable.
The key is to seek specialist advice, be transparent in your application, and ensure your policies are built around the unique demands of your career—with the 'own occupation' definition for income protection being the most critical element.
By working with an expert broker like WeCovr, you can compare plans from all the major UK insurers to build a protection package that fits your exact needs. We'll handle the complexities, allowing you to focus on what you do best, with the complete peace of mind that comes from knowing your financial future is secure.
Is life insurance more expensive for commercial airline pilots?
Do I need to declare my job as a pilot on an insurance application?
What if I fly to high-risk countries?
My airline provides death-in-service benefits. Do I still need personal life insurance?
Why is 'Own Occupation' income protection so important for a pilot?
Can I get insurance if I have a pre-existing medical condition?
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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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.
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