Life Insurance for Part-Time Workers UK
Working part-time offers incredible flexibility, allowing millions of Britons to balance careers with family, studies, or other life passions. However, this flexibility can sometimes come with a hidden cost: a perceived gap in financial security. Many part-time workers mistakenly believe that essential financial safety nets like life insurance, critical illness cover, and income protection are either unaffordable or inaccessible to them.
This comprehensive guide is here to dismantle that myth. As specialists in the UK protection market, we'll walk you through why financial protection is vital for anyone working flexible hours and how you can secure robust, affordable cover that fits your unique circumstances. Whether you're a parent working around school hours, a student earning while you learn, or someone scaling back before retirement, this article will provide the clarity you need to protect yourself and your loved ones.
Affordable protection for employees with flexible hours
The idea that you need a full-time, high-earning job to qualify for life insurance is one of the most persistent and damaging misconceptions in personal finance. The truth is, UK insurers are far more interested in your overall health, lifestyle, and the level of cover you need than whether you work 15 or 40 hours a week.
For part-time workers, this is excellent news. It means that affordable, meaningful protection is well within reach. The key is understanding what you need and knowing how to find the best value. Your part-time status does not automatically place you in a high-risk category or lead to inflated premiums for life insurance.
The financial services industry has evolved significantly. Insurers recognise that the UK workforce is more dynamic than ever. According to the Office for National Statistics (ONS), in early 2025, over 8 million people in the UK work part-time, making up roughly a quarter of the entire workforce. This is a huge segment of the population that needs and deserves access to proper financial protection.
Let's be clear: the price of a life insurance policy is primarily determined by:
- Your Age: The younger you are when you take out a policy, the cheaper it will be.
- Your Health: Your current health, medical history, and family medical history are key factors.
- Your Lifestyle: Insurers will ask about smoking, alcohol consumption, and any high-risk hobbies.
- The Amount of Cover: The size of the potential payout (the sum assured).
- The Length of the Policy: How long you want the cover to last (the term).
Your employment status is secondary. Where it becomes more relevant is with income-related protection, such as Income Protection, but even then, there are fantastic options available for part-time earners.
Why Part-Time Workers Need Financial Protection
While the flexibility of part-time work is a major benefit, it can also create financial vulnerabilities. Understanding these is the first step towards building a resilient financial plan.
1. Reduced Employer Benefits: Many part-time contracts, particularly those with fewer hours, may not include the same level of benefits as full-time roles. This can mean:
- No 'Death in Service' Cover: This is a common full-time perk where your employer provides a lump sum (often 2-4 times your salary) to your family if you die while employed. Many part-time workers are ineligible or, if they are, the payout based on a part-time salary may be insufficient.
- Limited Sick Pay: Statutory Sick Pay (SSP) in the UK is a legal minimum, but it's very low (£116.75 per week as of April 2024). Many full-time roles offer enhanced company sick pay for a set period, a benefit often less generous or absent for part-time staff.
2. Income Fluctuation and Lower Earnings: A part-time income, by its nature, is lower than a full-time equivalent. While manageable day-to-day, this leaves less of a cushion to absorb financial shocks. If you were unable to work due to illness or injury, or if you were to pass away, the financial impact on your household could be immediate and severe.
3. Crucial Contribution to Household Finances: Never underestimate the value of a part-time income. It often covers essential bills, contributes to the mortgage, pays for childcare, or funds the weekly food shop. According to a 2024 study by the Resolution Foundation, the income from second earners—often working part-time—is what lifts millions of UK households out of poverty. Its loss would be deeply felt.
A Real-Life Example: Consider Sarah, a 35-year-old graphic designer who works 20 hours a week to fit around caring for her two young children. Her husband, Tom, works full-time. Sarah's income of £1,500 a month covers the childcare costs, the family's food bills, and their car payments.
- Without protection: If Sarah were to pass away, Tom would face an immediate £1,500 monthly shortfall. He might have to reduce his own working hours to manage childcare, further straining their finances, all while grieving.
- With protection: A simple life insurance policy could provide a lump sum to clear their mortgage, removing their biggest monthly expense. An income protection policy could replace Sarah's earnings if she were diagnosed with an illness that prevented her from working, ensuring financial stability during a difficult time.
This is why financial protection isn't a luxury; it's a fundamental part of responsible financial planning for anyone whose income matters to their family.
Understanding Your Options: The Main Types of Protection
The world of insurance can seem complex, but it boils down to a few core products designed to protect you against different life events. Here’s a clear breakdown of the main options available to part-time workers in the UK.
1. Life Insurance (Term Life Insurance)
This is the most straightforward form of protection. It pays out a tax-free lump sum to your loved ones if you pass away during the policy's term. It's designed to help them manage financially without you, covering things like:
- Mortgage or rent payments
- Household bills and daily living costs
- Childcare and education expenses
- Funeral costs (the average UK funeral cost was £4,141 in 2024, according to the SunLife Cost of Dying report).
There are three main types:
| Type of Term Insurance | How It Works | Best For |
|---|---|---|
| Level Term | The payout amount remains the same throughout the policy term. | Covering large debts that don't decrease, like an interest-only mortgage, or providing a general family inheritance. |
| Decreasing Term | The payout amount reduces over time, usually in line with a repayment mortgage. | Covering a specific repayment debt. This is the most affordable type of life insurance. |
| Increasing Term | The payout amount increases each year, typically to combat inflation. | Protecting your family's future purchasing power. Premiums also rise over time. |
2. Family Income Benefit
This is a clever and often more affordable alternative to a traditional lump-sum policy. Instead of one large payout, Family Income Benefit provides your family with a regular, tax-free monthly or annual income for the remainder of the policy term if you pass away.
Why it’s great for part-time workers: It’s designed to replace a lost salary in a manageable way, making it easier for your family to budget. Because the total potential payout decreases over time, it's often cheaper than a level term policy for the same initial level of protection.
3. Critical Illness Cover
What if you didn't pass away but were diagnosed with a serious illness that left you unable to work? This is where Critical Illness Cover (CIC) comes in. It pays out a tax-free lump sum if you are diagnosed with one of a list of specific, serious medical conditions defined in the policy.
Common conditions covered include:
- Heart attack
- Stroke
- Cancer (of a specified severity)
- Multiple sclerosis
- Major organ transplant
This money can give you vital breathing space, allowing you to focus on recovery without financial stress. You could use it to pay off your mortgage, adapt your home, cover medical expenses, or simply replace lost income. It is often sold as a combined policy with life insurance.
4. Income Protection Insurance
For any worker, but especially for part-time and self-employed individuals, Income Protection is arguably the most important insurance policy you can own. It acts as your replacement salary if you're unable to work due to any illness or injury.
- How it works: It pays out a regular, tax-free monthly income (typically 50-65% of your gross earnings) after a pre-agreed waiting period (the 'deferred period'). This period can be anything from 4 weeks to 12 months, chosen to align with any sick pay you receive.
- Payout period: Policies can pay out for a limited period (e.g., 1, 2, or 5 years) or right up until you can return to work or retire. The latter is known as a 'full-term' policy and offers the most comprehensive protection.
- 'Own Occupation' Cover: This is the gold standard. It means the policy will pay out if you are unable to do your specific job. Cheaper policies might use a 'suited occupation' or 'any occupation' definition, which are much harder to claim on.
5. Personal Sick Pay Insurance
This is a type of short-term income protection, often favoured by those in manual trades or roles with a higher risk of short-term injury. It's designed to kick in quickly, often after just one week of being off work, and typically pays out for up to 12 or 24 months. It’s a great option for plugging the immediate gap left by inadequate employer sick pay.
Here's a summary table to help you compare:
| Protection Product | What It Does | Payout Type | Key Benefit for Part-Time Workers |
|---|---|---|---|
| Life Insurance | Pays out on death. | Lump Sum | Replaces your long-term financial value to the family. |
| Family Income Benefit | Pays out a regular income on death until the term ends. | Regular Income | A more affordable and budget-friendly way to replace a salary. |
| Critical Illness Cover | Pays out on diagnosis of a specific serious illness. | Lump Sum | Provides financial freedom to cope with a life-changing illness. |
| Income Protection | Replaces your salary if you can't work due to illness/injury. | Regular Income | Protects your most important asset: your ability to earn. |
| Personal Sick Pay | A short-term version of Income Protection. | Regular Income | Plugs the immediate income gap if you have little or no sick pay. |
At WeCovr, we specialise in helping people navigate these options. Our expert advisors can explain the pros and cons of each product in relation to your specific part-time role and financial situation, ensuring you get the right cover without paying for features you don't need.
Does Working Part-Time Affect My Life Insurance Application?
This is a common and important question. The straightforward answer is: for a standard life insurance policy, your part-time status has very little direct impact on the application or the premium.
Insurers are concerned with mortality risk – the likelihood of you passing away during the policy term. The factors that influence this risk are personal, not professional. An insurer will focus on:
- Your age and health: This is the biggest factor.
- Your BMI (Body Mass Index): A healthy BMI can lead to lower premiums.
- Smoking and vaping: Smokers can pay double the premium of non-smokers.
- Alcohol intake: Your weekly unit consumption will be assessed.
- Family medical history: A history of hereditary conditions like heart disease or cancer can be a factor.
- Your occupation's risk level: A part-time office worker will pay less than a part-time deep-sea diver, but this is about the job's danger, not the hours worked.
Where your income does become a key consideration is when applying for cover that replaces your earnings, namely:
- Income Protection: The amount of cover you can get is directly linked to your earnings. Insurers will typically allow you to cover up to 65% of your gross (pre-tax) part-time salary. They will ask for proof of earnings, such as payslips or a P60, to verify this.
- Critical Illness Cover: While not always directly linked, some insurers may place a cap on the amount of CIC you can take out relative to your income, known as an 'earnings justification' limit.
The good news is that even with a modest part-time income, you can still secure a meaningful level of income-related protection that would make a world of difference during a crisis.
How Much Cover Do I Need? A Practical Guide
Calculating the right amount of cover can feel daunting, but it's simpler than you think. The goal is to provide enough money to clear major debts and support your dependants' living costs. A popular method is the D.E.B.T. acronym:
- D - Debts: List all your outstanding debts. The biggest is usually the mortgage, but don't forget car loans, personal loans, and credit card balances.
- E - Expenses: Estimate the annual household expenses your income covers. Think about bills, food, transport, and childcare. Multiply this by the number of years you want to provide for your family (e.g., until your youngest child turns 21).
- B - Burial: Factor in funeral costs. As mentioned, the average is over £4,000, but it's wise to budget around £5,000-£7,000 to be safe.
- T - Take away: Subtract any existing savings, investments, or 'death in service' benefits you might have.
Let's use our example of Sarah again:
| Calculation Step | Sarah's Details | Amount |
|---|---|---|
| Debts | Outstanding Mortgage | £150,000 |
| Car Loan | £5,000 | |
| Expenses | Her income covers £1,500/month in costs (£18,000/year). Youngest child is 5, wants cover until they are 21 (16 years). £18,000 x 16 years. | £288,000 |
| Burial Costs | Estimated funeral costs | £5,000 |
| Total Need | £448,000 | |
| Take Away Existing Cover | She has no death in service and £10,000 in savings. | - £10,000 |
| Final Cover Amount | £438,000 |
This might seem like a large number, but a policy for this amount for a healthy 35-year-old could be surprisingly affordable. Alternatively, she could choose a smaller lump sum to clear the mortgage and use a Family Income Benefit policy to provide the replacement income. A qualified advisor can help you model these scenarios.
Making Life Insurance Affordable on a Part-Time Income
Even on a tighter budget, there are plenty of strategies to get the protection you need without breaking the bank.
- Buy Young: Age is the single biggest factor in cost. A policy for a 30-year-old can be significantly cheaper than the exact same policy for a 40-year-old. The sooner you lock in a premium, the better.
- Quit Smoking (and Vaping): Insurers view smokers as much higher risk. If you can quit for 12 months, you can be re-classified as a non-smoker and see your premiums fall by as much as 50%.
- Improve Your Health: Lowering your BMI, reducing your alcohol intake, and managing conditions like high blood pressure can all lead to more favourable quotes. This is where a holistic approach to wellbeing pays dividends, both for your health and your wallet.
- Choose the Right Policy Type: Don't automatically opt for a huge lump sum. If your main goal is to cover the mortgage, a Decreasing Term policy is the most cost-effective choice. If it's to replace your income, Family Income Benefit is often cheaper than a Level Term policy.
- Place Your Policy in Trust: This is a crucial step. Writing your policy 'in trust' is a simple legal arrangement that ensures the payout goes directly to your chosen beneficiaries, bypassing your estate. This has two huge benefits: it avoids the lengthy and complex probate process, and it means the payout is not typically subject to Inheritance Tax. Most insurers offer this service for free, and a good advisor will handle the paperwork for you.
- Compare, Compare, Compare: Never accept the first quote you see. The market is competitive, and premiums for the same person can vary significantly between insurers. Using an independent broker like WeCovr is the most efficient way to do this. We use our expertise and technology to scan the entire market, including all the major UK providers, to find the policy that offers the best terms and price for your individual needs.
What About Employer 'Death in Service' Benefits?
If you're one of the part-time workers who is lucky enough to be offered a 'Death in Service' scheme by your employer, that's a fantastic starting point. However, it's vital to understand its limitations and why it should not be your only form of protection.
| Feature | Death in Service | Personal Life Insurance |
|---|---|---|
| Ownership & Control | Owned by your employer. They can change or cancel it. | You own the policy. It's yours as long as you pay. |
| Portability | Cover ceases the day you leave your job. | Completely portable. It stays with you through job changes. |
| Payout Amount | A multiple of salary (e.g., 2-4x). For a part-time worker, this may be a low amount. | You choose the amount based on your family's actual needs. |
| Trusts & Payout | Payout is at the discretion of the scheme trustees. You can nominate a beneficiary, but it's not guaranteed. | You place it in trust, ensuring the money goes to who you choose, quickly and directly. |
| Tax Status | Payout is usually tax-free. | Payout is tax-free, and placing it in trust protects it from Inheritance Tax. |
The key takeaway is that Death in Service is a great perk of a job, but a personal life insurance policy is a core part of your personal financial plan. It provides certainty and is tailored to your family's specific needs, not your employer's HR policy.
Special Considerations for the Self-Employed and Freelancers
A significant portion of the UK's part-time workforce is self-employed or works on a freelance basis. For this group, the need for protection is even more acute as there is no employer safety net whatsoever—no sick pay, no holiday pay, and certainly no death in service.
If you are a freelancer or run your own limited company, you should prioritise:
- Income Protection: This is your lifeline. It's the only way to guarantee an income if you're too ill or injured to work. As a business owner, your ability to earn is your business's most critical asset.
- Executive Income Protection: If you operate as a limited company director, you can have the company pay for your income protection policy. This is a legitimate business expense, making it highly tax-efficient. The premiums are not treated as a P11D benefit, and the benefit is paid to the company to then be distributed as salary.
- Key Person Insurance: This is business-focused protection. If you are the key person whose skills, knowledge, or contacts are essential to your business's survival, this policy pays a lump sum to the business if you die or suffer a critical illness. This gives the business the funds to recruit a replacement or manage the disruption without collapsing.
- Gift Inter Vivos Insurance: For successful business owners planning their estate, this is a specialist policy. If you gift assets (like company shares) to your family to reduce your Inheritance Tax liability, this policy covers the potential tax bill if you were to die within 7 years of making the gift.
Wellness, Health, and Your Premiums: A Virtuous Circle
Insurers are increasingly rewarding customers who take a proactive approach to their health. This creates a powerful incentive to adopt healthier habits, which benefit you not just with lower premiums but with a better quality of life.
- Diet and Nutrition: A balanced diet rich in fruit, vegetables, and whole grains can help maintain a healthy weight, reduce cholesterol, and lower your risk of conditions like type 2 diabetes and heart disease.
- Physical Activity: The NHS recommends at least 150 minutes of moderate-intensity activity a week. Regular exercise is proven to boost mental health, improve sleep, and strengthen your cardiovascular system.
- Sleep: Consistent, quality sleep (7-9 hours for most adults) is fundamental to physical and mental regeneration. Poor sleep is linked to a host of health problems.
- Mental Wellbeing: Stress, anxiety, and depression are major health concerns. Taking steps to manage stress, whether through mindfulness, exercise, or seeking professional support, is crucial for your long-term health.
At WeCovr, we believe in supporting our customers' wellbeing beyond just the policy. That’s why we provide our customers with complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. It’s a practical tool to help you make informed choices about your diet, supporting your journey towards better health—a journey that can lead to more affordable insurance protection.
How WeCovr Can Help You Find the Right Protection
Navigating the insurance market can be time-consuming and confusing, especially when you have specific circumstances like part-time employment. This is where working with an expert, independent broker like WeCovr makes all the difference.
- We Understand Your Needs: We know that a part-time worker's protection needs are unique. We won't try to sell you a one-size-fits-all solution. Instead, we listen to your situation—your income, your family, your budget—and recommend products that genuinely fit.
- We Scan the Whole Market: We have access to policies from all the UK's leading and specialist insurers. This means we can find the most competitive prices and the most suitable terms, saving you time and money.
- We Provide Expert Advice: We'll demystify the jargon and explain the pros and cons of each option. We'll help you calculate the right level of cover and ensure you understand exactly what you're buying.
- We Handle the Hassle: From filling out the application forms correctly to managing the process with the insurer and setting up your policy in trust, we handle the administrative burden for you.
Our goal is to empower you with the knowledge and the tools to secure the best possible protection for you and your family, at the most affordable price.
In Conclusion: Your Financial Peace of Mind
Working part-time should be a choice that enhances your life, not one that exposes you to financial risk. Life insurance, critical illness cover, and income protection are not luxuries reserved for the full-time workforce; they are essential tools for building financial resilience for everyone.
By understanding your needs, exploring the different types of cover available, and taking simple steps to make it affordable, you can put a robust safety net in place. Your contribution to your family's finances is vital, and protecting it is one of the most important and caring financial decisions you can make. Take the first step towards securing that peace of mind today.
Can I get life insurance if I have a pre-existing medical condition?
Do I need a medical exam to get life insurance?
What happens if I stop paying my premiums?
What happens if my working hours change from part-time to full-time?
Is the payout from a life insurance policy taxable?
What is the main difference between Income Protection and Critical Illness Cover?
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
Our Group Is Proud To Have Issued 800,000+ Policies!
We've established collaboration agreements with leading insurance groups to create tailored coverage
How It Works
1. Complete a brief form
2. Our experts analyse your information and find you best quotes
3. Enjoy your protection!
Any questions?
Learn more
Who Are WeCovr?
WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!