Life Insurance for Office Managers UK
As an office manager or administrator, you are the organisational backbone of your company. You juggle countless tasks, manage complex schedules, and ensure the smooth day-to-day running of the business. With so much responsibility on your shoulders, have you ever stopped to consider what would happen if you were no longer able to work due to illness, injury, or worse?
Protecting your financial future and that of your loved ones is one of the most important decisions you can make. This comprehensive guide is designed specifically for UK office managers and administrators, exploring the tailored insurance solutions that can provide peace of mind and a robust financial safety net.
Tailored cover for office administrators and managers
A one-size-fits-all approach to financial protection simply doesn't work. Your role as an office manager comes with a unique set of circumstances, responsibilities, and risks. The steady income you provide likely forms the bedrock of your family's finances, covering everything from the mortgage to the weekly food shop.
Furthermore, your role often involves a specific combination of pressures and lifestyle factors that can have long-term health implications. Understanding these nuances is the first step toward building a protection portfolio that truly fits your life.
This article will delve into:
- The specific reasons why office managers need to think carefully about protection.
- The core types of insurance: Life Insurance, Critical Illness Cover, and Income Protection.
- Specialised cover for those who are company directors or self-employed.
- Practical steps to calculate your cover and navigate the application process.
- Actionable health and wellness tips to improve your well-being and potentially lower your premiums.
Why Do Office Managers Need Specialised Insurance?
While an office-based role might seem less physically perilous than a manual trade, it carries its own distinct set of risks that insurers and financial advisors recognise.
The Financial Cornerstone
Your reliable salary is crucial. It likely supports your household, pays for your mortgage or rent, and funds your family's future aspirations. If that income were to suddenly disappear, the financial impact could be devastating. A well-structured insurance plan ensures that your financial obligations can still be met, even if you can't work.
The Health Risks of a Sedentary Role
The modern office environment, for all its comforts, poses significant long-term health risks. Research consistently highlights the dangers of a sedentary lifestyle.
- Musculoskeletal Issues: Spending long hours at a desk can lead to chronic back pain, neck strain, and repetitive strain injury (RSI). According to the Office for National Statistics (ONS), an estimated 470,000 workers suffered from work-related musculoskeletal disorders in 2020/21. While not typically life-threatening, these conditions can be debilitating and lead to extended time off work.
- Cardiovascular Health: A lack of physical activity is a major risk factor for heart disease, stroke, and type 2 diabetes. The British Heart Foundation notes that around 7.6 million people are living with heart and circulatory diseases in the UK.
- Stress and Mental Health: Office managers are often at the nexus of workplace pressure. Juggling demands from senior management, staff, and external suppliers can lead to significant stress and burnout. A 2023 survey by the Chartered Institute of Personnel and Development (CIPD) found that stress remains a top cause of long-term sickness absence.
The "Key Person" Factor
In many small to medium-sized enterprises (SMEs), the office manager is indispensable. You're not just an administrator; you're the "go-to" person who knows how everything works. If you were unexpectedly absent for a long period, the business itself could suffer. This makes you a "key person," a factor that opens up specific business protection options.
Decoding Protection Insurance: What Are Your Options?
Understanding the different types of protection available is key. They aren't mutually exclusive; in fact, they often work together to create a comprehensive safety net. Think of them as different tools for different jobs.
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. It’s designed to replace your lost income and help your family maintain their standard of living.
| Type of Life Insurance | How It Works | Best For |
|---|---|---|
| Level Term Insurance | The payout amount remains the same throughout the policy term. | Covering an interest-only mortgage, providing a lump sum for family living costs. |
| Decreasing Term Insurance | The payout amount reduces over time, usually in line with a repayment mortgage. | Specifically covering a repayment mortgage or other loan that is being paid off. |
| Family Income Benefit | Pays a regular, tax-free monthly or annual income to your family instead of a single lump sum. | Replacing your lost salary to cover regular bills and day-to-day living expenses. |
| Whole of Life Insurance | Guarantees a payout whenever you die, as long as you keep paying premiums. | Legacy planning, covering an expected Inheritance Tax (IHT) bill, or funeral costs. |
Gift Inter Vivos Insurance: A more specialist product. If you gift a large sum of money or an asset (like a property) to someone, it may still be considered part of your estate for Inheritance Tax purposes if you die within seven years. A Gift Inter Vivos policy is a type of life insurance designed to pay out a lump sum to cover this potential tax bill, ensuring your beneficiaries receive the full value of the gift.
2. Critical Illness Cover (CIC)
This is arguably just as important as life insurance, because you are statistically more likely to suffer a serious illness than to die before retirement age.
- How it works: CIC pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious illnesses, such as some types of cancer, a heart attack, or a stroke.
- Why it's vital: The financial impact of a serious illness can be immense. You might need to stop working, pay for private medical treatment, or make modifications to your home. The CIC payout gives you the financial freedom to focus on your recovery without worrying about bills.
- The statistics are sobering: Cancer Research UK predicts that 1 in 2 people in the UK will be diagnosed with some form of cancer during their lifetime. The Association of British Insurers (ABI) reported that in 2022, insurers paid out over £1.2 billion in critical illness claims.
Many people choose to combine Life and Critical Illness Cover into a single policy. This can be more cost-effective, but it's important to understand that the policy will typically only pay out once – either on diagnosis of a critical illness or on death.
3. Income Protection Insurance (IP)
Income Protection is the policy that protects your most valuable asset: your ability to earn an income. If you're unable to work due to any illness or injury (not just the "critical" ones), this policy will pay you a regular, tax-free income.
Key Features of Income Protection:
- The "Own Occupation" Definition: This is the gold standard. It means the policy will pay out if you are unable to perform your specific job as an office manager. Be wary of lesser definitions like "suited occupation" or "any occupation," which make it harder to claim.
- Deferment Period: This is the waiting period between when you stop working and when the policy starts paying out. It can range from 4 weeks to 52 weeks. The longer the deferment period you choose, the lower your premium. A common strategy is to align your deferment period with your employer's sick pay policy.
- Benefit Amount: You can typically insure up to 50-65% of your gross annual salary. This is to ensure you have an incentive to return to work. The income is tax-free, so it often equates to a higher proportion of your net pay.
- Payment Term: You can choose short-term cover (paying out for 1, 2, or 5 years per claim) or long-term cover (paying out until you return to work or reach retirement age). For a role like an office manager, long-term cover is highly recommended to protect against career-ending conditions.
Personal Sick Pay: This is another name often used for shorter-term income protection policies. They are popular with tradespeople but are equally relevant for office workers looking for a more affordable way to cover their income for a set period, such as 1 or 2 years, in the event of illness or injury.
The Office Manager as a Business Asset: Cover for Company Directors & the Self-Employed
Many office managers hold senior positions, are company directors, or run their own virtual assistant/administration businesses. In these cases, business protection insurance becomes essential. These policies are paid for by the business and are often highly tax-efficient.
Key Person Insurance
As the hub of the organisation, your absence could cause significant disruption. Key Person Insurance is taken out by the business on your life.
- How it works: If you die or are diagnosed with a critical illness (if included), the policy pays a lump sum to the business.
- What the funds can be used for:
- Hiring and training a temporary or permanent replacement.
- Covering any lost profits resulting from your absence.
- Reassuring banks and investors that the business can continue to operate.
- Tax treatment: Premiums are typically an allowable business expense, and the payout is usually paid to the business tax-free.
Executive Income Protection
This is a premium version of a standard income protection policy, but it's owned and paid for by your limited company.
- Key benefits:
- Premiums are paid by the business and are usually treated as an allowable business expense, making it very tax-efficient.
- You can often insure a higher percentage of your total remuneration (salary plus dividends), up to around 80%.
- The benefit is paid to the company, which then pays it to you via PAYE. This means the benefit is taxed, but the overall structure is still highly advantageous.
This is an excellent way for office managers who are also directors to secure their income with the company's help.
Relevant Life Insurance
This is a tax-efficient death-in-service benefit for individual employees, perfect for small businesses that don't have a full group scheme.
- How it works: The business pays the premiums for a life insurance policy on your behalf. If you die, the payout goes directly to your family via a trust, completely separate from the business.
- The tax advantages are significant:
- Premiums are not treated as a P11D benefit-in-kind, so there's no income tax for you.
- The business can usually offset the premiums against its corporation tax bill.
- The payout is paid via a trust, so it does not form part of your estate for Inheritance Tax purposes.
For an office manager who is a valued employee or director, this is a fantastic and cost-effective perk that a business can offer.
How Much Cover Do You Really Need? A Practical Calculation Guide
Calculating the right amount of cover can feel overwhelming, but it's a logical process. Let's break it down.
Calculating Your Life Insurance Needs
The goal is to leave enough money to clear major debts and provide for your family's ongoing costs.
| Financial Need | Calculation Example | Your Figures |
|---|---|---|
| 1. Clear Debts | ||
| Mortgage | £200,000 | £__________ |
| Car Loans / Credit Cards | £10,000 | £__________ |
| 2. Provide Income | ||
| Annual family expenses to cover | £30,000 | £__________ |
| Years to cover (e.g., until youngest child is 21) | x 15 years | x _________ |
| Subtotal (Income Needed) | £450,000 | £__________ |
| 3. Specific Future Costs | ||
| University Fees (e.g., 2 children) | £60,000 | £__________ |
| Funeral Costs | £5,000 | £__________ |
| 4. Total Need (1+2+3) | £725,000 | £__________ |
| 5. Subtract Existing Assets | ||
| Existing Cover (e.g., Death in Service) | -£100,000 | -£_________ |
| Savings & Investments | -£25,000 | -£_________ |
| Total Cover Required | £600,000 | £__________ |
This is a simplified model. A specialist broker can help you refine these figures for a more accurate assessment.
Calculating Your Income Protection Needs
This is more straightforward.
- Work out your gross monthly salary: For example, £3,000.
- Determine the maximum cover: Insurers typically allow 60% of this, so £1,800 per month.
- Check your employer's sick pay:
- Does your company offer full pay? If so, for how long? (e.g., 3 months full pay, 3 months half pay).
- Your deferment period should be set to kick in just as your full pay ends. In this example, a 13-week or 26-week deferment period would be appropriate.
- If your company only offers Statutory Sick Pay (SSP), you should opt for a much shorter deferment period, like 4 weeks.
The Impact of Health & Lifestyle on Your Premiums
Insurers are in the business of risk. When you apply, they perform underwriting to assess how likely you are to claim. Key factors include:
- Age: The younger you are when you take out a policy, the cheaper it will be.
- Smoking Status: Smokers or users of nicotine products can pay up to double what a non-smoker pays.
- Health & Medical History: Your current health, weight (BMI), and any pre-existing conditions will be assessed.
- Family Medical History: A history of hereditary conditions like heart disease or cancer in close relatives can impact your premiums.
- Alcohol Consumption: Your weekly unit consumption will be reviewed.
The good news is that you have a degree of control. By adopting a healthier lifestyle, you can not only improve your overall well-being but also secure more favourable insurance terms.
Wellness Tips for the Modern Office Manager
Your demanding role can take its toll. Here are some practical, evidence-based tips to protect your health:
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Combat the Chair:
- The 20-8-2 Rule: For every 20 minutes of sitting, stand for 8 minutes and move for 2 minutes. Set a recurring timer on your phone or computer.
- Ergonomic Audit: Ensure your chair, desk, and monitor are set up correctly to support good posture. Your employer has a duty of care to provide this.
- Walking Meetings: If you have a one-to-one meeting, suggest taking it while walking around the block.
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Manage Your Stress:
- Digital Detox: Set clear boundaries for checking work emails outside of office hours.
- Mindfulness: Even 5-10 minutes of a mindfulness app (like Calm or Headspace) during your lunch break can significantly lower cortisol levels.
- Prioritise ruthlessly: Use tools like the Eisenhower Matrix (urgent/important) to focus your energy and feel more in control.
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Fuel Your Body and Mind:
- Hydration is Key: Keep a 1-litre water bottle on your desk and aim to drink two of them during the workday. Dehydration is a leading cause of fatigue and headaches.
- Plan Your Lunches: Avoid the temptation of unhealthy convenience food by prepping your lunches. Focus on lean protein, complex carbs, and plenty of vegetables to avoid the 3 pm slump.
- Track Your Intake: Understanding your nutrition is the first step to improving it. At WeCovr, we care about our clients' long-term health, which is why we provide complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to all our policyholders. It’s a simple way to stay mindful of your diet and support your health goals.
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Prioritise Sleep:
- The NHS recommends 7-9 hours of sleep per night for adults. Lack of sleep impairs cognitive function, weakens the immune system, and is linked to long-term health problems.
- Create a relaxing bedtime routine, avoid screens for an hour before bed, and ensure your bedroom is dark, quiet, and cool.
Navigating the Application Process: A Step-by-Step Guide
Applying for insurance can seem daunting, but a good adviser can make it a smooth and simple process.
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Initial Consultation: The first step is to speak with a broker. At WeCovr, our expert advisers will take the time to understand your job, your family circumstances, your health, and your budget. This is a fact-finding mission to ensure we recommend the right products.
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Market Research: We then search the entire market, comparing policies from all the UK's leading insurers (like Aviva, Legal & General, Zurich, and Vitality) to find the best cover at the most competitive price. We consider not just the price but the quality of the policy wording and the insurer's claims record.
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The Application Form: We will help you complete the application form. This will ask detailed questions about your health, lifestyle, and medical history. It is absolutely vital that you provide full and honest answers. Failing to disclose something, even if it seems minor, could give the insurer grounds to void your policy and refuse a claim in the future.
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Underwriting: Once submitted, the insurer's underwriters will review your application. They may:
- Offer standard terms: If your risk profile is normal.
- Request a GP report: They may write to your doctor (with your permission) for more information about a condition you've disclosed.
- Request a medical screening: For very large cover amounts or complex medical histories, they may ask you to have a mini-medical exam with a nurse, which they will pay for.
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The Decision: The insurer will then issue their decision, which could be standard terms, an increase in the premium (a 'rating'), or an exclusion for a specific medical condition. We will review this with you to ensure you are happy before the policy goes live.
Using an independent broker like us ensures you have an expert on your side, guiding you through every step and fighting your corner to get the best possible outcome.
Real-Life Scenarios: How Insurance Protects Office Managers
Let's look at some hypothetical examples to see how these policies work in practice.
Scenario 1: Sarah, 42, Office Manager & Mother of Two
- Situation: Sarah has a £250,000 mortgage and two children aged 8 and 10. She is the main earner. She has a combined Life and Critical Illness policy for £250,000.
- Event: Sarah is diagnosed with a serious form of breast cancer. She needs to undergo chemotherapy and take a year off work.
- Outcome: Her Critical Illness Cover pays out the £250,000 tax-free lump sum. She uses it to completely clear her mortgage. This removes her biggest financial worry, allowing her to focus entirely on her treatment and recovery without the stress of monthly mortgage payments.
Scenario 2: David, 48, Self-Employed Office Manager
- Situation: David runs his own virtual administration business, earning £45,000 a year. He has an Income Protection policy with a 4-week deferment period, set to pay out £2,200 per month.
- Event: David has a serious fall while hiking and suffers multiple fractures, requiring surgery and extensive physiotherapy. He is told he won't be able to work at a desk for at least six months.
- Outcome: After his 4-week deferment period, his Income Protection policy starts paying him £2,200 each month. This income covers his rent, bills, and living costs, allowing him to recover without draining his business or personal savings.
Scenario 3: Emily, 55, Office Manager & Director at a Tech Start-up
- Situation: Emily is a director and the operational linchpin of a 15-person tech company. The business has a £500,000 Key Person Insurance policy on her.
- Event: Tragically, Emily suffers a fatal stroke.
- Outcome: The insurance pays £500,000 directly to the business. The company uses the funds to hire a top-tier recruitment agency to find a high-calibre replacement, provides a salary package to attract the right candidate, and covers the short-term disruption and loss of productivity, ensuring the company's stability during a difficult time.
Frequently Asked Questions (FAQs)
I have a pre-existing medical condition. Can I still get cover?
Yes, in many cases you can. It's crucial to declare the condition fully on your application. The insurer's decision will depend on the specific condition, its severity, when you were diagnosed, and how it's managed. They might offer cover at standard rates, apply a premium increase, or place an exclusion on claims relating to that specific condition. A specialist broker can advise you on which insurers are likely to offer the most favourable terms for your situation.
How is mental health treated by insurers?
Insurers have significantly improved their approach to mental health. For milder conditions like anxiety or depression that occurred some time ago and were treated with a short course of medication or therapy, you may be offered standard terms. For more recent or severe conditions, they may apply an exclusion or increase the premium. Full disclosure is essential. Income Protection is the policy most likely to be affected by mental health history, but it is still possible to get cover.
What happens to my policy if I change jobs or become self-employed?
Your personal policies (Life, Critical Illness, Income Protection) belong to you, not your employer. They will continue as long as you keep paying the premiums, regardless of where you work. If you have an "own occupation" income protection policy, it's important to check with your insurer if a significant change in job duties would affect your cover, but for an office manager moving to a similar role, it's rarely an issue.
Is insurance paid for by my business tax-deductible?
Generally, yes. Premiums for Key Person Insurance, Executive Income Protection, and Relevant Life Insurance are usually considered allowable business expenses by HMRC, meaning you can deduct them from your company's profit before calculating your Corporation Tax bill. However, you should always confirm the specific tax treatment with your accountant.
Why shouldn't I just use a price comparison website?
Price comparison websites are great for simple products, but protection insurance is complex. They can't provide advice or tell you if a policy is actually right for you. They won't explain the difference between an "own occupation" and "any occupation" definition on an income protection policy, or help you place your policy in trust. A broker provides expert, regulated advice, helps with the application, and can be invaluable during the claims process, all typically for no extra fee.
Your Next Step
As an office manager, you excel at planning, organisation, and mitigating risk for your business. It's time to apply those same skills to your own life and the financial security of your family.
Building a robust protection plan isn't a luxury; it's a fundamental part of responsible financial planning. By understanding your unique risks and the tailored solutions available, you can create a safety net that provides complete peace of mind, allowing you to focus on what you do best.
The world of insurance can be complex, but you don't have to navigate it alone. Seeking independent, expert advice is the most effective way to ensure you get the right cover, from the right insurer, at the best possible price.
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!