Life Insurance for People with Heart Disease UK
A diagnosis of a heart condition can be a life-altering event, prompting you to think more deeply about the future and the financial security of your loved ones. One of the most common questions we hear is, "Can I still get life insurance if I have a heart condition?"
The short answer is, in many cases, yes.
Navigating the world of life insurance with a pre-existing medical condition can feel daunting. You might worry about high premiums, complex questions, or even being declined outright. This comprehensive guide is here to demystify the process. As specialists in the UK protection market, we'll walk you through exactly how insurers view heart conditions, what you can do to improve your application, and what types of cover are available.
Heart and circulatory diseases are incredibly common. According to the British Heart Foundation, around 7.6 million people in the UK live with a related condition. Insurers are therefore very familiar with assessing applications from individuals with a cardiac history. They have sophisticated processes in place to understand your specific situation and offer terms where possible.
This article will provide you with the knowledge and confidence to secure the protection your family deserves.
How insurers treat cardiac history in life insurance applications
When you apply for life insurance, the insurer's primary goal is to understand the level of risk they are taking on. This process is called underwriting. For someone with a history of heart disease, the underwriting will be more detailed than for a healthy individual, but it follows a logical and predictable path.
Insurers don't have a blanket "one-size-fits-all" approach. Instead, they conduct a thorough, individual assessment based on a range of factors. Their decision is based on medical evidence and statistical data to predict long-term health outcomes.
Let's break down the key elements they scrutinise.
Key Factors Insurers Consider
Your application will be a deep dive into your medical history. Being prepared with accurate information will make the process smoother. Here are the crucial details underwriters will focus on:
1. The Specific Type of Heart Condition
"Heart disease" is a broad term. The type of condition you have is the single most important factor.
- High Blood Pressure (Hypertension): If well-controlled with medication and consistent readings, it's often possible to get standard or near-standard rates.
- High Cholesterol: Similar to high blood pressure, if managed through diet, lifestyle, or statins, it may have little impact on your application.
- Angina: The stability of your angina is key. If it's stable and managed with medication, cover is often available, usually with an increased premium.
- Heart Attack (Myocardial Infarction): Insurers will want to know the date of the event, the severity, the treatment received (e.g., stents, bypass), and your current cardiac function. A "postponement period" of at least 6-12 months after the event is standard.
- Atrial Fibrillation (AF): They will look at the frequency of episodes, what medication you take (especially anticoagulants), and whether there are any underlying structural heart issues.
- Cardiomyopathy: This is a more complex condition affecting the heart muscle. The type (e.g., dilated, hypertrophic) and its effect on your heart's pumping ability (ejection fraction) are critical. This often results in higher premiums or, in severe cases, a decline.
- Heart Valve Disease: The specific valve affected, the severity (e.g., mild stenosis, severe regurgitation), and whether surgery is planned will determine the outcome.
2. The Timeline: Dates are Crucial
The more time that has passed since a diagnosis or a significant cardiac event (like a heart attack or surgery), the better. A good period of stability demonstrates to the insurer that the condition is well-managed and the immediate risk has passed.
- Date of Diagnosis: When were you first told you had the condition?
- Date of Last Major Event: When was your heart attack, stroke, or surgery?
- Date of Last Symptoms: When did you last experience chest pain, breathlessness, or palpitations?
3. Severity and Treatment
The insurer needs to build a picture of the seriousness of your condition and how it has been managed.
- Symptoms: Are you currently asymptomatic, or do you experience symptoms like chest pain or shortness of breath? If so, how often?
- Medication: Provide a full list of your current medications, including dosages. This helps the underwriter understand the management strategy.
- Procedures and Surgery: Details of any procedures are vital.
- Angioplasty / Stents: How many stents do you have and when were they fitted?
- Coronary Artery Bypass Graft (CABG): How many grafts were performed and when?
- Pacemaker / ICD: When was it implanted and why?
- Hospitalisations: Have you been admitted to hospital for your heart condition in recent years?
4. Current Health and Control
This is your opportunity to show that you are actively managing your health. Insurers will want to see recent test results, which they will typically get from your GP.
- Blood Pressure Readings: Consistent, controlled readings are very positive.
- Cholesterol Levels: Specifically your total cholesterol and LDL/HDL ratio.
- ECG / Echocardiogram Results: An echocardiogram is particularly important as it measures your heart's structure and function, including the Ejection Fraction (EF). A normal EF (typically 55% or higher) is a very good sign.
- Recent Follow-ups: Have you seen your GP or cardiologist recently? Following their advice demonstrates you are taking your health seriously.
5. Lifestyle Factors
These are within your control and can have a huge impact on the insurer's decision and the price you pay.
- Smoking Status: This is the big one. A smoker with a heart condition will face significantly higher premiums than a non-smoker, or may even be declined. If you've quit, insurers will want to know when. You are typically considered a non-smoker after 12 months of being nicotine-free.
- Alcohol Consumption: Be honest about your weekly unit intake. Excessive consumption is a red flag.
- Diet and Exercise: While insurers won't ask for your food diary, questions about your general lifestyle, height, and weight (to calculate your BMI) are standard. A healthy BMI can lead to better terms.
The Role of Medical Evidence
For almost any application involving a heart condition, the insurer will request a GP Report (GPR). This is a standard part of the process and nothing to be alarmed about.
- What is it? The insurer writes to your doctor asking for specific information about your medical history, test results, and treatments related to your heart condition.
- Your Rights: Under the Access to Medical Reports Act 1988, you have the right to see the report before it is sent to the insurer. You can ask your GP to amend any factual inaccuracies, but you cannot ask them to omit relevant medical information.
- Why is it needed? It provides the underwriter with a complete, accurate, and objective medical history, allowing them to make a fair and informed decision. Relying on memory alone can lead to inaccuracies; the GPR ensures all the facts are on the table.
What Type of Heart Conditions Affect Life Insurance?
To give you a clearer idea of how specific conditions are viewed, we've compiled a table outlining the typical insurer approach and the key questions they will ask.
| Condition | Typical Insurer View | Key Questions Insurers Will Ask |
|---|---|---|
| High Blood Pressure | Often standard rates if readings are consistently well-controlled. | What are your last 3 readings? What medication do you take? Any related complications? |
| High Cholesterol | Usually standard rates if controlled by diet or statins with no other risk factors. | What was your last cholesterol reading? Are you on medication? Do you smoke? |
| Angina | Moderate premium increase likely. Depends heavily on stability. | When was your diagnosis? How frequent are symptoms? What medication do you take? Results of scans? |
| Heart Attack | Postponement for 6-12 months. A significant premium increase is standard. | Date of attack? How many? Treatment received (stents/bypass)? Current heart function (ejection fraction)? |
| Atrial Fibrillation | Minor to moderate premium increase. Depends on frequency and underlying cause. | Is it paroxysmal or persistent? Are you on anticoagulants (e.g., Warfarin, Apixaban)? |
| Heart Valve Disease | Varies hugely on severity (mild, moderate, severe). Mild cases may get a small loading. | Which valve is affected? Is it stenosis or regurgitation? Do you need surgery? |
| Cardiomyopathy | Significant premium increase likely. Can be difficult to get cover. | What type (dilated, hypertrophic)? What is your ejection fraction? Any family history? |
| Heart Failure | Very difficult to get cover. Often declined by standard insurers. | What is the cause? What is your ejection fraction? What are your symptoms? |
It's important to remember this table is a general guide. The final decision always comes down to your individual circumstances. Two people with the same diagnosis can receive very different offers based on the severity, control, and lifestyle factors mentioned earlier.
Potential Outcomes of Your Application
After the underwriter has assessed all your information, they will return with a decision. It's helpful to understand the range of possible outcomes.
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Standard Rates (or Standard Terms): This is the best-case scenario. It means the insurer has assessed your condition as being very low risk and is happy to offer you cover at their standard price, with no modifications. This is most common for well-managed high blood pressure or high cholesterol.
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Premium Loading (A 'Rating'): This is the most common outcome for people with a history of heart disease. The insurer will offer you the policy, but at a higher premium than the standard rate. This is usually expressed as a percentage increase.
- Example: If the standard monthly premium is £30 and you are given a "+100% loading", your new premium will be £60 per month. Loadings can range from +50% (for more minor issues) to +200% or more for significant conditions.
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Per Mille Loading: Less common for life insurance but sometimes used, this involves adding a set extra cost for every £1,000 of cover you have. For example, a '£2 per mille' loading on a £100,000 policy would add an extra £200 to your annual premium.
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Exclusions: This is rare for pure life insurance (which pays out on death from any cause), but more common for critical illness cover. An insurer might offer a critical illness policy but exclude claims related to any heart condition.
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Postponement: This isn't a "no," it's a "not yet." The insurer feels there hasn't been enough time since a major event (like a heart attack or surgery) to accurately assess the long-term risk. They will invite you to re-apply after a set period, typically 6 to 24 months, once your condition has stabilised.
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Decline: In some cases, particularly for severe, unstable, or very recent conditions (like heart failure with a low ejection fraction), the insurer may decide the risk is too high to offer cover. While disheartening, a decline from one insurer doesn't mean you can't get cover elsewhere. This is where a specialist broker becomes invaluable.
How to Improve Your Chances of Getting Affordable Cover
You have more power than you think when applying for life insurance. By taking proactive steps, you can significantly improve your chances of being accepted and securing the most favourable terms possible.
1. Demonstrate Excellent Control of Your Condition
The single best thing you can do is follow the advice of your doctor and cardiologist to the letter.
- Take all prescribed medications consistently.
- Attend all your follow-up appointments and check-ups.
- Keep a record of your blood pressure readings if you monitor them at home.
This shows an underwriter that you are a responsible patient actively managing your risk.
2. Embrace a Heart-Healthy Lifestyle
Lifestyle is a huge underwriting factor. Making positive changes here can directly translate to lower premiums.
- Quit Smoking: If you smoke, stopping is the most impactful change you can make. Premiums for non-smokers are drastically lower. Most insurers classify you as a non-smoker after 12 months free of all nicotine and tobacco products.
- Manage Your Weight: Achieving a healthy BMI can reduce strain on your heart and is viewed very favourably by insurers.
- Adopt a Balanced Diet: Reducing your intake of salt, sugar, and saturated fats can help manage blood pressure and cholesterol. A Mediterranean-style diet is often recommended for heart health. At WeCovr, we believe in supporting 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 great tool to help you stay on track with your health goals.
- Exercise Regularly (with your doctor's approval): Regular, moderate exercise strengthens the heart.
- Limit Alcohol: Keep your alcohol intake within the NHS recommended guidelines (no more than 14 units a week, spread over several days).
3. Gather All Your Information
Before you start the application, get your details in order. Having this information to hand will speed up the process and ensure accuracy.
- Names and dosages of all medications.
- Dates of diagnosis, surgeries, and last symptoms.
- The name and address of your GP and any specialists (e.g., your cardiologist).
4. Be 100% Honest and Upfront
It can be tempting to downplay a condition or omit a detail, hoping for a better premium. Do not do this. Non-disclosure is a serious issue. If the insurer discovers you weren't truthful (which they likely will when they see your GP report), they can:
- Cancel your policy immediately.
- Refuse to pay a claim, leaving your family with nothing.
It is always better to be completely transparent. An experienced broker can help you frame your medical history accurately and positively.
5. Don't Go It Alone - Use a Specialist Broker
This is perhaps the most crucial piece of advice. Instead of going directly to a single insurer or using a comparison site that gives generic quotes, work with a specialist broker.
A broker like WeCovr works for you, not the insurance company. We understand the nuances of the market. We know which insurers are more lenient with certain heart conditions, which ones have more favourable underwriting for post-heart attack applicants, and which are best for conditions like Atrial Fibrillation.
Our process:
- We have an in-depth, confidential discussion with you to understand your exact medical history.
- We use our expertise to identify the insurers most likely to offer you the best terms.
- We can often hold informal, anonymous discussions with underwriters before a formal application is submitted, gauging the likely outcome. This prevents you from getting unnecessary declines on your record.
- We help you complete the application forms accurately, ensuring your case is presented in the best possible light.
- We manage the entire process for you, from application to policy issue, saving you time, stress, and potentially a great deal of money.
What About Other Types of Protection Insurance?
While life insurance is often obtainable, other types of cover can be more challenging to secure with a heart condition.
Critical Illness Cover (CIC)
This cover pays out a tax-free lump sum if you are diagnosed with one of a list of specific serious illnesses.
- The Challenge: Having a pre-existing heart condition makes it much harder to get new Critical Illness Cover. Your existing condition means you are statistically more likely to claim on the policy.
- Possible Outcomes:
- Decline: This is a common outcome.
- Cardiovascular Exclusion: An insurer might offer a policy but exclude all claims related to the heart and circulatory system (including heart attack and stroke). This can still provide valuable cover for other conditions like cancer.
- Significant Premium Loading: In some cases, for very minor or historic issues, cover may be offered with a very high premium.
Income Protection (IP)
This policy pays a regular monthly income if you are unable to work due to illness or injury.
- The Challenge: Similar to CIC, insurers will be concerned that your heart condition could lead to time off work. They will scrutinise your work history, the physical demands of your job, and your symptom history.
- Possible Outcomes:
- Cardiovascular Exclusion: This is a very common outcome. The insurer provides cover for any illness or injury except for your heart condition.
- Longer Deferment Period: You may be offered a policy but with a deferment period (the time before the policy starts paying out) of 6 or 12 months, rather than a shorter 1 or 3 months.
- Decline: If your condition is deemed unstable or likely to cause absence from work, a decline is possible.
Other Useful Products
- Family Income Benefit: This is a type of life insurance that pays out a regular, tax-free income to your family upon your death, rather than a single lump sum. It can be a more affordable way to secure cover as the total potential payout decreases over the term of the policy. The underwriting is the same as for standard life insurance.
- Gift Inter Vivos: This is a specialised life insurance policy designed to cover a potential Inheritance Tax (IHT) liability. If you gift a large sum of money or an asset, it is still considered part of your estate for IHT purposes for 7 years. This policy pays out a lump sum if you die within that 7-year window, covering the tax bill for your beneficiaries. Underwriting is the same as standard life insurance.
Specialist Cover for Business Owners & the Self-Employed
If you run your own business, are a company director, or are self-employed, a serious health event like a heart attack doesn't just impact your family – it can threaten the very survival of your business. Standard personal policies are essential, but business protection is also a critical consideration.
Relevant Person Cover (formerly Key Person Insurance)
This is a life insurance or critical illness policy taken out by the business on a 'key person'—an individual whose death or serious illness would cause a significant financial loss to the company. This could be a founder, a top salesperson, or someone with unique technical skills.
The policy pays a lump sum to the business, which can be used to cover lost profits, recruit a replacement, or repay business loans. When applying, your personal heart condition will be underwritten in exactly the same way as a personal policy. The insurer will assess the risk and apply a loading, postponement, or decline as appropriate.
Executive Income Protection
This is a highly tax-efficient way for a limited company to provide income protection for its directors and employees. The company pays the premiums, and these are typically treated as an allowable business expense. The policy pays out to the company, which then distributes the benefit to the employee through PAYE.
Underwriting for a director with a heart condition will be strict, just as with a personal policy. Exclusions for cardiovascular conditions are likely, but it remains a valuable benefit to protect against inability to work from other causes like cancer, accidents, or mental health issues.
Shareholder or Partnership Protection
If you own a business with other partners, what happens if one of you dies or suffers a critical illness? This type of protection provides the surviving owners with the funds to buy the ill or deceased partner's shares from their family. This ensures business continuity for the remaining owners and provides a fair value for the departing partner's family. Each partner takes out a policy on the life of the others. Underwriting is done on an individual basis.
Navigating business protection with a pre-existing condition requires specialist advice. A broker like WeCovr can help structure these policies correctly and find insurers who can accommodate the health history of the business owners.
Real-Life Examples
To bring these concepts to life, here are a few anonymised case studies based on real-world scenarios.
Case Study 1: David, 55, Single Heart Attack
- History: David had a heart attack three years ago. He had one stent fitted. At the time, he was a smoker with a high BMI.
- Action Taken: Since the event, David has quit smoking (2 years ago), lost two stone, and now walks 5km three times a week. His blood pressure and cholesterol are well-controlled with medication. His last echocardiogram showed good heart function (EF of 58%).
- Outcome: David applied for £200,000 of level term life insurance over 15 years. Due to the positive lifestyle changes and period of stability, he was offered cover with a +125% premium loading. While more expensive than standard rates, it provided his family with vital financial security.
Case Study 2: Sarah, 42, Atrial Fibrillation
- History: Sarah was diagnosed with paroxysmal (intermittent) Atrial Fibrillation five years ago. She has episodes once or twice a year, which self-resolve. She is on a daily anticoagulant (Apixaban) as a precaution but has no other underlying heart issues.
- Outcome: Sarah applied for a £350,000 mortgage life insurance policy. After reviewing her GP report, which confirmed her condition was stable and well-managed, the insurer offered her the policy with a +75% premium loading.
Case Study 3: Mark, 60, Recent Bypass Surgery
- History: Mark underwent a triple heart bypass four months ago. His recovery is going well, but it is still early days.
- Outcome: Mark approached us to arrange life insurance. We advised him that any application made now would be postponed. We recommended waiting until he was at least 12 months post-surgery. At that point, assuming his recovery continues to be good and his cardiologist is happy with his progress, he will have a much stronger chance of being offered cover, albeit with a significant premium loading.
In Conclusion: Protection is Possible
Receiving a heart disease diagnosis is a profound moment that rightly makes us consider the future. The good news is that for the vast majority of people, a history of cardiac issues is not a barrier to obtaining life insurance.
The key takeaways are:
- Insurers assess each case individually. The type of condition, its stability, and your overall lifestyle are what matter.
- Honesty is non-negotiable. Full disclosure is the only way to ensure your policy is valid.
- You can positively influence the outcome. By managing your condition, quitting smoking, and maintaining a healthy lifestyle, you can improve your chances of getting affordable cover.
- Don't accept a decline as the final word. Different insurers have different appetites for risk.
- Expert advice is crucial. Working with a specialist broker who understands the market can be the difference between getting an affordable policy and being declined.
A heart condition is a part of your story, but it doesn't have to define your family's financial future. With the right approach and expert guidance, you can put the protection you need in place, giving you and your loved ones invaluable peace of mind.
Do I need to declare a minor heart condition like slightly high blood pressure?
Will my life insurance premiums be expensive forever if I have a heart condition?
What happens if I don't disclose my heart condition on an application?
Can I get life insurance after a heart attack?
Is Critical Illness Cover possible to get with a heart condition?
How can a specialist broker like WeCovr help me?
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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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!