Life Insurance for Hotel Managers UK
As a hotel manager, you are the master of a complex and demanding universe. From managing multi-million-pound budgets and leading large teams to ensuring every guest experience is flawless, your days are a high-stakes balancing act of logistics, finance, and human resources. You thrive under pressure, turning chaos into calm and delivering excellence 24/7.
But in orchestrating the perfect stay for others, it's all too easy to neglect the long-term security of the most important enterprise you run: your own family's financial future. The very qualities that make you a brilliant hotel manager—unwavering dedication and long hours—can also expose you and your loved ones to unique financial risks. What would happen to their lifestyle, the mortgage, and future plans if your income suddenly stopped due to illness, injury, or worse?
This article is your definitive guide to financial protection, tailored specifically for hospitality leaders in the UK. We'll explore the essential insurance products—from life and critical illness cover to income protection—and explain how they form a critical safety net for you and your family.
Comprehensive cover for hospitality leadership roles
The role of a hotel manager is far from a standard 9-to-5. It's a high-pressure, high-reward career that demands a unique blend of business acumen, resilience, and personal charm. This unique professional environment creates specific needs when it comes to financial protection. Standard, off-the-shelf insurance solutions may not adequately cover the nuances of your role, income structure, and lifestyle.
Consider the realities of your job:
- High-Stress Environment: The constant pressure to meet targets, manage staff, and handle guest complaints contributes to significant mental and physical stress. The Health and Safety Executive's 2023 report highlighted that stress, depression, or anxiety accounted for a staggering 17.1 million working days lost in the UK. This sustained pressure can increase the risk of health conditions like hypertension, heart disease, and burnout.
- Long and Unsocial Hours: The "always-on" nature of hospitality means you're often the first to arrive and the last to leave. This can disrupt sleep patterns, impact diet, and leave little time for regular exercise, all of which are vital for long-term health.
- Variable Income: Your remuneration might include a substantial performance-related bonus, profit share, or other benefits. A standard insurance policy based only on your basic salary could leave a significant gap in your financial protection.
- Physical Demands: While a leadership role, you are constantly on your feet, moving through a large property, and may be required to physically assist during emergencies. An injury could have a direct impact on your ability to perform your duties effectively.
A bespoke financial protection plan acknowledges these factors, ensuring the cover you have is robust enough to protect the life you've worked so hard to build.
Why Hotel Managers Need Specialised Financial Protection
Your role as a hotel manager or director makes you the central pillar of both a complex business operation and your family's financial stability. The loss of your ability to work, either temporarily or permanently, would have far-reaching consequences.
Think of financial protection not as an expense, but as a strategic investment in continuity and peace of mind. Here’s a deeper look at why specialised cover is so crucial.
Protecting Against the Impact of Ill Health
The demanding nature of your job can take a toll. Should you be diagnosed with a serious condition, your focus should be on recovery, not on financial worries.
- Critical Illness Cover provides a tax-free lump sum on the diagnosis of a specified illness, such as some types of cancer, a heart attack, or a stroke. This money is yours to use as you see fit—it could pay off the mortgage, fund private medical treatment to speed up recovery, adapt your home, or simply provide a financial cushion, allowing you to step back from your high-pressure role without financial anxiety. Given that Cancer Research UK estimates a 1 in 2 lifetime risk of developing cancer for people born after 1960, this cover is more of a 'when' than an 'if' for many.
- Income Protection acts as your personal sick pay policy. It pays you a regular, tax-free monthly income if you're unable to work due to any illness or injury that your GP signs you off for. This is arguably the most important cover for any working professional. Company sick pay, even for senior managers, is often limited—perhaps to a few months on full pay. An income protection policy can continue to pay out until you are well enough to return to work, or even until your planned retirement age if you can't.
Securing Your Family's Future
Your income underpins your family's entire lifestyle—the home you live in, the schools your children attend, the holidays you enjoy. Life insurance ensures that should the worst happen to you, your loved ones won't face a financial crisis on top of their emotional loss.
A lump-sum payout from a Life Insurance policy can be used to:
- Clear the mortgage and any other outstanding debts.
- Provide a fund for your children's education.
- Create an investment portfolio to generate a regular income for your surviving partner.
- Cover funeral costs and potential inheritance tax liabilities.
Without this protection, your family may be forced to make drastic and difficult decisions, such as selling the family home, during an already devastating time.
Core Protection Products for Hotel Managers: A Breakdown
Building a robust financial safety net involves layering different types of cover to protect against different risks. Let's break down the three core products that every hotel manager should consider.
Life Insurance: The Foundation of Your Plan
Life insurance is the cornerstone of financial planning. It pays out a cash sum upon your death during the policy term, providing essential funds for your beneficiaries. There are three main types to consider:
- Level Term Assurance: The payout amount remains fixed throughout the policy term. This is ideal for covering large, non-decreasing debts like an interest-only mortgage or, more commonly, for providing a lump sum for your family to live on. For example, a £500,000 policy would pay out £500,000 whether you passed away in year 2 or year 22 of a 25-year term.
- Decreasing Term Assurance: Also known as mortgage protection insurance, the payout amount reduces over time, broadly in line with a repayment mortgage. It's a cost-effective way to ensure your biggest debt is cleared, but it won't provide an additional lump sum for family living costs.
- Family Income Benefit: This is an often-overlooked but brilliant alternative. Instead of a single lump sum, it pays out a regular, tax-free monthly or annual income from the point of claim until the policy's end date. This is fantastic for replacing your lost salary to cover day-to-day bills and maintain your family's standard of living in a manageable way.
Here’s how they compare:
| Feature | Level Term Assurance | Decreasing Term Assurance | Family Income Benefit |
|---|---|---|---|
| Payout | Fixed Lump Sum | Decreasing Lump Sum | Regular Income |
| Primary Use | Family lump sum, interest-only mortgage | Repayment mortgage | Salary replacement |
| Cost | Mid-range | Lowest cost | Often very cost-effective |
| Best For | Providing a large capital sum for dependents | Clearing a specific, decreasing debt | Covering ongoing family expenses |
Critical Illness Cover (CIC): A Lifeline During Serious Sickness
A serious illness can be financially devastating. Even with the NHS, you may face additional costs for treatment, home modifications, or simply need to replace lost income while you recover. Critical Illness Cover pays a tax-free lump sum on diagnosis of one of a list of predefined serious conditions.
While policies vary, they typically cover major illnesses like:
- Heart attack
- Stroke
- Invasive cancer
- Multiple sclerosis
- Kidney failure
- Major organ transplant
The crucial detail is in the policy's definitions. A heart attack, for example, will have a specific definition of severity that must be met for a claim to be paid. This is where an expert adviser is invaluable, helping you compare the quality of definitions between insurers, not just the price.
For a hotel manager, this lump sum could mean the difference between a stressful recovery worrying about bills and a peaceful one focused on getting better. It gives you choices and control at a time when you may feel you have none.
Income Protection (IP): Your Personal Sick Pay
If you had a machine in your hotel that generated £80,000 a year, you would insure it without a second thought. You are that machine for your family. Income Protection is the insurance for your ability to earn an income.
If you are unable to work due to illness or injury, an IP policy will pay you a monthly income after a pre-agreed waiting period (the 'deferred period').
Key features to understand:
- Benefit Amount: You can typically insure up to 60-70% of your gross annual income, including regular bonuses. The benefit is paid tax-free.
- Deferred Period: This is the time between when you stop working and when the policy starts paying out. It can be anything from 4 weeks to 52 weeks. You should align this with your employer's sick pay policy. If you get 6 months of full sick pay, a 26-week deferred period would be appropriate and more cost-effective.
- Definition of Incapacity: This is the most critical part of an IP policy. For a skilled professional like a hotel manager, you must insist on an 'Own Occupation' definition. This means the policy will pay out if you are unable to perform your specific job as a hotel manager. Lesser definitions like 'Suited Occupation' or 'Any Occupation' could mean the insurer won't pay if they believe you could work in a different role, such as a call centre operator.
Navigating the nuances of income protection, especially regarding bonuses and occupation definitions, is complex. At WeCovr, we specialise in finding 'Own Occupation' policies for professionals and ensuring your full remuneration package is considered, giving you the most comprehensive cover possible.
Advanced & Business Protection for Hotel Directors and Owners
If you are a director of the hotel company or a business owner, you have access to even more powerful and tax-efficient forms of protection. These policies protect not just you, but the business itself.
Executive Income Protection
This is income protection, but arranged and paid for by your limited company. It offers significant advantages over a personal plan.
- Tax Efficiency: The monthly premiums paid by the business are typically treated as an allowable business expense, meaning they are deductible against corporation tax.
- Higher Cover Levels: It's often possible to cover a higher percentage of your earnings, sometimes up to 80% of your total remuneration (salary and dividends).
- No P11D Benefit: The premiums are not usually considered a 'benefit in kind', so there's no extra personal tax to pay.
The benefit is paid to the company, which then pays it to you through the normal PAYE system, after deducting tax and National Insurance.
| Feature | Personal Income Protection | Executive Income Protection |
|---|---|---|
| Who Pays? | The individual | The limited company |
| Premiums | Paid from post-tax income | A tax-deductible business expense |
| Benefit Paid To | The individual (tax-free) | The company, then to employee via PAYE |
| Benefit Level | Up to 60% of personal income | Up to 80% of total remuneration |
| Best For | Sole traders, employees | Company directors, senior employees |
Key Person Insurance
As the general manager or managing director, your value to the business goes far beyond your salary. Your leadership, vision, and relationships are critical assets. What would be the financial cost to the hotel if you were suddenly unable to work due to death or critical illness?
Key Person Insurance (also known as Key Man Insurance) is designed to protect the business from this exact scenario. It's a life insurance and/or critical illness policy taken out by the business on your life. If a claim is made, the payout goes directly to the business.
This money can be used to:
- Cover lost profits during the disruption.
- Fund the recruitment of a high-calibre replacement.
- Repay business loans or reassure lenders.
- Maintain confidence among suppliers, clients, and investors.
The amount of cover needed depends on factors like your contribution to profits, the cost of recruitment, or the size of business loans.
Relevant Life Cover
This is a highly tax-efficient way for a business to provide a death-in-service benefit for an employee or director. It's essentially a standalone life insurance policy, paid for by the company.
The benefits are exceptional:
- Tax-Deductible: Premiums are usually an allowable business expense.
- No Benefit in Kind: Unlike some other perks, it doesn't add to your personal tax bill.
- Outside the Estate: The policy is written into a discretionary trust from the start. This means the payout goes directly to your nominated beneficiaries, bypassing your estate and therefore not being subject to Inheritance Tax (IHT).
- No Impact on Pension Allowances: The benefit does not count towards your lifetime pension allowance.
For a higher-rate taxpayer, using Relevant Life Cover instead of a personal policy can result in tax savings of almost 50%. It's one of the most compelling tax-planning tools available to company directors.
How to Get the Right Cover: The Application Process
Securing the right protection is a structured process. Following these steps ensures your cover is fit for purpose and that your application goes smoothly.
Step 1: Assess Your Needs Thoroughly
Before you even look at quotes, you need to know what you're protecting. Ask yourself:
- Mortgage: How much is outstanding? Is it repayment or interest-only?
- Debts: Do you have car loans, credit cards, or personal loans?
- Family Living Costs: How much does your family need each month to live comfortably? Multiply this annual figure by the number of years you want to protect them for (e.g., until your youngest child is 21).
- Future Goals: Do you want to provide for university fees or a wedding?
A simple formula for a life insurance lump sum could be:
Outstanding Mortgage + Other Debts + (Annual Family Expenses x Number of Years to Protect)
For income protection, calculate your monthly budget and factor in your employer's sick pay to decide on the benefit amount and deferred period.
Step 2: The Application and Underwriting
Insurers will assess your risk based on a detailed application form. Honesty and accuracy here are paramount. Any non-disclosure, even if accidental, could invalidate a future claim.
Be prepared to answer questions about:
- Age, Height, and Weight: Your Body Mass Index (BMI) is a key factor.
- Smoker Status: Premiums for smokers can be double those for non-smokers. This includes vaping and other nicotine use.
- Alcohol Consumption: Be honest about your weekly unit intake. As a hotel manager, this may be an area underwriters look at closely.
- Health History: You'll need to disclose any past or present medical conditions, treatments, and medications.
- Family Medical History: Insurers are interested in hereditary conditions (e.g., heart disease, certain cancers) in your close relatives (parents, siblings).
- Occupation & Travel: Your role, hours, and any hazardous activities or extensive overseas travel will be considered.
In some cases, especially for large cover amounts or if you have a pre-existing health condition, the insurer may request a GP report or a mini-medical exam (usually just a nurse visit for blood pressure, cholesterol, and a urine sample).
Step 3: Why Using an Expert Broker is a Non-Negotiable
You could go directly to an insurer, but you would only see one set of products and one set of underwriting criteria. The UK protection market is vast and complex. An independent broker works for you, not the insurer.
The benefits are clear:
- Whole-of-Market Access: A broker like WeCovr compares plans from all major UK insurers to find the best policy for your specific needs.
- Expert Knowledge: We understand which insurers are more favourable for certain health conditions or occupations. For example, some insurers are better than others at covering high BMI or high alcohol consumption, which can be relevant in the hospitality industry.
- Application Support: We help you complete the forms accurately, pre-empting any potential underwriting issues and framing your application in the best possible light.
- Trusts and Administration: We handle the complex but vital task of putting your policy in trust, ensuring the money goes to the right people at the right time.
At WeCovr, we believe in a holistic approach to our clients' well-being. That's why, in addition to securing your financial future, we provide our clients with complimentary access to our proprietary AI-powered calorie tracking app, CalorieHero. It’s a small way we can support your daily health and wellness goals, showing that our commitment goes beyond just the policy.
Step 4: Putting Your Policy in Trust
This is a critical, yet often missed, step. A trust is a simple legal arrangement that separates your life insurance policy from your estate.
Writing your policy in trust:
- Avoids Probate: The payout can be made to your beneficiaries much faster, often within weeks of a death certificate being issued, rather than waiting months (or longer) for probate to be granted.
- Avoids Inheritance Tax (IHT): A life insurance payout can inadvertently push your estate's value over the IHT threshold (£325,000 in 2025). A trust ensures the money is paid outside of your estate and is not subject to a potential 40% tax charge.
- Gives You Control: You specify who the trustees are (people you trust to manage the money) and who the beneficiaries are.
Most insurers offer this service for free, and a good broker will manage the entire process for you. It is one of the most important parts of setting up a policy correctly.
Wellness and Lifestyle: Protecting Your Most Important Asset
Your health is your greatest asset, and managing it proactively is the best insurance of all. For a hotel manager, this means actively countering the pressures of the job. A healthier lifestyle not only improves your quality of life but can also lead to lower insurance premiums.
- Master Your Stress: Find healthy coping mechanisms. This could be a 15-minute mindfulness session before your shift, delegating tasks effectively to empower your team, or establishing a firm "work-off" boundary when you leave the hotel.
- Fuel for Performance: The temptation to grab quick, unhealthy food is high. Plan your meals where possible. Utilise the healthy options your own hotel kitchen can provide. Stay hydrated with water, not just coffee and fizzy drinks. Monitor and moderate alcohol intake, which can be a professional hazard.
- Prioritise Sleep: The impact of poor sleep on cognitive function, mood, and long-term health is well-documented. Create a wind-down routine. Banish screens from the bedroom. Ensure your sleep environment is dark, quiet, and cool.
- Stay Active: You may be on your feet all day, but that's not the same as structured exercise. Use the hotel gym, take a brisk walk on your break, or schedule non-negotiable time for a sport or activity you enjoy.
Many modern insurance policies now come with valuable wellness benefits, such as virtual GP appointments, mental health support, and discounts on gym memberships. A broker can help you identify policies that offer the most useful perks for your lifestyle.
Cost of Cover: What Can a Hotel Manager Expect to Pay?
The cost of protection is highly personal and depends on many factors. However, to give you an idea, here are some illustrative monthly premiums for a 40-year-old, non-smoking hotel manager in good health.
Please note: These are examples only. Your actual premium will depend on your individual circumstances.
| Type of Cover | Cover Details | Example Monthly Premium |
|---|---|---|
| Level Term Life Insurance | £400,000 over 25 years | £22 - £30 |
| Family Income Benefit | £2,500/month for 25 years | £18 - £25 |
| Life & Critical Illness Cover | £250,000 Life & £100,000 CIC over 25 years | £75 - £95 |
| Income Protection | £3,500/month, 13-week deferred, to age 67 | £60 - £85 |
As you can see, comprehensive protection is often far more affordable than people think. For less than the cost of a daily coffee, you can secure a substantial lump sum for your family. For the price of a couple of weekly takeaways, you can insure your entire income until retirement.
The key factors influencing your premium will be:
- Age: The younger you are when you take out cover, the cheaper it is.
- Health: Pre-existing conditions may increase the cost or lead to exclusions.
- Smoker Status: The single biggest factor. Quitting can slash your premiums.
- Cover Amount & Term: The more cover you need and the longer you need it for, the higher the cost.
- Policy Features: An 'own occupation' definition on income protection is worth the small extra cost.
Frequently Asked Questions (FAQs)
Do I need a medical examination to get life insurance?
What if my employer already provides death-in-service benefits?
I travel a lot for work. Will this affect my application?
My income includes a large annual bonus. How is this treated for income protection?
As a hotel director, is Relevant Life Cover better than a personal policy?
What happens if I change jobs or leave the hospitality industry?
Your Next Step
You dedicate your professional life to managing risk and ensuring the smooth operation of your hotel. It's time to apply that same strategic foresight to your own financial security. The pressures of your role make this planning not a luxury, but a necessity.
A comprehensive protection portfolio, built around life insurance, critical illness cover, and income protection, is the only way to guarantee that your family's future is secure, no matter what life throws at you. For directors and owners, exploring tax-efficient business protection is a powerful next step.
Don't leave your family's security to chance. At WeCovr, we specialise in helping busy professionals like you navigate the market and build a robust, affordable plan. Our expert advisers are on hand to provide a free, no-obligation review of your circumstances and help you put the right protection in place.
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.
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!