Life Insurance for Recruitment Consultants UK
The world of recruitment is a high-octane environment. It’s a career defined by ambition, resilience, and the relentless pursuit of targets. As a recruitment consultant, you thrive under pressure, expertly matching talent with opportunity and reaping the rewards of your hard work, often through lucrative commission structures.
But what happens when the unexpected occurs? A sudden illness, a serious injury, or even death can bring everything to a halt, leaving you and your loved ones financially exposed. In a profession where your income is directly tied to your ability to perform, securing a robust financial safety net isn't just a sensible precaution—it's a fundamental part of a successful career strategy.
This comprehensive guide is designed specifically for hiring and staffing specialists in the UK. We’ll explore the essential protection policies—from life insurance to income protection and critical illness cover—that safeguard your unique financial position, whether you’re an employee, a freelancer, or the director of your own recruitment agency.
Comprehensive policies for hiring and staffing specialists
The recruitment industry, with its dynamic and often commission-heavy pay structures, presents a unique set of financial planning challenges. Unlike those with a steady, predictable salary, your income can fluctuate significantly. This variability makes it absolutely crucial to have a waterproof financial plan in place.
The core pillars of this plan are specialised insurance policies designed to protect your most valuable asset: your ability to earn an income. These aren't just 'off-the-shelf' products; they are tailored solutions that account for the nuances of your profession.
The three primary forms of personal protection are:
- Life Insurance: Provides a financial cushion for your loved ones in the event of your death.
- Critical Illness Cover: Pays out a tax-free lump sum if you are diagnosed with a specific, serious illness.
- Income Protection: Acts as your replacement salary if you’re unable to work due to any illness or injury.
For those who have taken the entrepreneurial leap to run their own recruitment agency, additional business protection policies like Key Person Insurance and Relevant Life Cover become essential tools for ensuring continuity and stability.
Throughout this guide, we will delve into each of these, explaining how they work and why they are so vital for recruitment professionals.
Why Do Recruitment Consultants Need Specialised Financial Protection?
The very nature of your job as a recruiter creates specific financial risks that standard protection might not fully address. Understanding these vulnerabilities is the first step towards mitigating them effectively.
The Unique Financial Landscape of a Recruiter
Your earning potential is one of the most attractive aspects of a career in recruitment. However, a significant portion of your income is often variable, tied to placements and performance bonuses.
- Commission-Based Income: A slow quarter, a market downturn, or a period of illness can dramatically impact your take-home pay. Insurers need to understand this structure to provide adequate cover.
- Economic Sensitivity: The recruitment industry is often a barometer for the wider economy. During economic downturns, hiring freezes can impact your job security and earning potential.
- High Personal Leverage: Your income is directly linked to your personal brand, your network, and your ability to work long, demanding hours. If you're out of action, your income stream can dry up almost instantly.
According to the Recruitment & Employment Confederation (REC), the UK's recruitment industry contributes over £40 billion per year to the economy, a testament to the hard work of consultants like you. This dynamism, however, is what creates the need for a solid financial backstop.
The High-Stress Environment
Let's be candid: recruitment is a stressful job. The pressure to hit targets, manage client expectations, and deal with the unpredictability of candidates can take its toll.
- Long Hours: It’s not uncommon for top billers to work well beyond the standard 9-to-5, impacting work-life balance and long-term health.
- Constant Pressure: The 'eat what you kill' culture, while motivating, can lead to chronic stress.
- Health Implications: The Health and Safety Executive (HSE) statistics for 2022/23 show that stress, depression, or anxiety accounted for 17.1 million working days lost in Great Britain. A career in a high-pressure sales environment can put you at a higher risk of stress-related health issues over the long term.
A robust insurance plan provides peace of mind, knowing that if the pressure does lead to a health problem, your finances won't be another source of stress.
Significant Financial Commitments
Successful recruitment consultants often enjoy a high standard of living, which comes with significant financial responsibilities.
- Mortgages and Rent: Your home is likely your biggest monthly expense.
- Family and Dependants: Providing for your partner, children, and their education is a primary driver for your hard work.
- Lifestyle Costs: Car payments, holidays, and other lifestyle expenses are all reliant on your continued income.
A sudden inability to work could jeopardise all of this. Protection insurance is about ensuring the life you've built for yourself and your family can continue, no matter what.
Core Protection Policies Explained for Recruiters
Let's break down the essential types of insurance. Think of these as the building blocks of your financial defence strategy.
1. Life Insurance
Life insurance is the simplest form of protection. It pays out a cash lump sum to your chosen beneficiaries if you pass away during the policy term. Its purpose is to relieve the financial burden on your family at an already difficult time.
Why a recruiter needs it: To pay off a mortgage, clear outstanding debts, cover funeral expenses, and provide a lump sum for your family to invest or live on. It ensures your hard work continues to provide for them even after you're gone.
There are several types of life insurance to consider:
- Level Term Assurance: The payout amount (sum assured) remains fixed throughout the policy term. This is ideal for covering an interest-only mortgage or providing a specific lump sum for your family's future needs.
- Decreasing Term Assurance: The payout amount reduces over time, usually in line with a repayment mortgage. As you pay off your mortgage, the amount of cover needed decreases, making this a more cost-effective option for debt protection.
- Family Income Benefit: Instead of a single lump sum, this policy pays out a regular, tax-free monthly or annual income to your family until the end of the policy term. This can be easier to manage than a large sum and effectively replaces your lost income stream for your family.
Comparing Life Insurance Types for a Recruiter
| Feature | Level Term Assurance | Decreasing Term Assurance | Family Income Benefit |
|---|---|---|---|
| Payout | Fixed Lump Sum | Reducing Lump Sum | Regular Income |
| Best For | Interest-only mortgages, family provision | Repayment mortgages, debt clearance | Replacing monthly income for family |
| Cost | Medium | Low | Low-Medium |
| Example Use | Provides £300,000 for your family | Clears the remaining £150,000 on your mortgage | Pays your family £3,000/month for 15 years |
2. Critical Illness Cover (CIC)
Critical Illness Cover provides a tax-free lump sum if you are diagnosed with one of the serious medical conditions specified in your policy. These typically include major illnesses like cancer, heart attack, and stroke.
Why it's crucial for recruiters: The financial impact of a serious illness can be devastating. You might need to stop working for an extended period, pay for private medical treatment, or make adaptations to your home. A CIC payout gives you the financial freedom to focus on your recovery without worrying about bills. Given the links between chronic stress and conditions like heart disease, this cover is particularly pertinent for those in high-pressure roles.
- Key Fact: According to Cancer Research UK, there are around 393,000 new cancer cases in the UK every year—that's more than 1,000 every day. The British Heart Foundation reports over 100,000 hospital admissions each year are due to heart attacks. These statistics aren't meant to scare, but to highlight the reality that serious illness can affect anyone.
When choosing a CIC policy, pay close attention to:
- Conditions Covered: Policies vary widely. Some cover 50 conditions, while top-tier policies can cover over 100.
- Definitions: The definition of an illness (e.g., the severity of a heart attack) must be met for the policy to pay out. An expert adviser can help you navigate these complex definitions.
- Partial Payouts: Many modern policies offer a partial payout for less severe conditions, providing a financial boost without using up the full cover.
3. Income Protection (IP)
Often described by financial experts as the most important protection policy of all, Income Protection is designed to replace a portion of your income if you are unable to work due to any illness or injury.
Why it's the bedrock of protection for recruiters: Your ability to earn, especially your commission, is your single biggest financial asset. Income Protection acts as your own personal sick pay scheme, paying you a monthly, tax-free income until you can return to work, retire, or the policy term ends.
Unlike Critical Illness Cover, which pays out for specific conditions, IP can cover you for almost any medical reason that stops you from working, from a bad back or a broken leg to stress, anxiety, or depression.
Key features to understand:
- Benefit Amount: You can typically cover 50-70% of your gross annual earnings. For recruiters with variable income, insurers will usually ask for evidence of your earnings (P60s, tax returns, or accounts) over the last 1-3 years to calculate an average.
- Deferred Period: This is the waiting period before the policy starts paying out. It can range from 4 weeks to 52 weeks. You should align this with any sick pay you receive from your employer or the duration your savings could last. For self-employed recruiters with no sick pay, a shorter deferred period of 4 or 8 weeks is often wise.
- The 'Definition of Incapacity': This is the most critical part of an IP policy.
- Own Occupation: The gold standard. The policy pays out if you are unable to perform your specific job as a recruitment consultant. This is what you should always aim for.
- Suited Occupation: Pays out only if you cannot do your own job or a job you are suited to by education and training. This is less favourable.
- Any Occupation: The weakest definition. Pays out only if you are so ill you cannot perform any job at all. These policies are best avoided.
As expert brokers, we at WeCovr strongly recommend an 'Own Occupation' definition for a skilled professional like a recruitment consultant to ensure you are properly protected.
Comparing Income Protection Incapacity Definitions
| Definition | What it Means | Recommendation for a Recruiter |
|---|---|---|
| Own Occupation | You are covered if you can't do your specific job. | Essential. The highest level of protection. |
| Suited Occupation | You're only covered if you can't do a similar job. | Use with caution. Could lead to a rejected claim. |
| Any Occupation | You're only covered if you're unable to do any work at all. | Avoid. Offers very limited protection. |
Specialised Cover for Recruitment Agency Owners and Directors
If you've progressed to running your own recruitment business, your responsibilities multiply. You're not just looking after yourself and your family; you're responsible for your employees, your business partners, and the company's financial health. Business protection insurance is designed to protect your company from the financial consequences of losing a key person.
Key Person Insurance
What is it? A policy taken out and paid for by the business on a vital member of the team—often a director or the top-billing consultant. The policy pays a lump sum to the business if that key person dies or is diagnosed with a specified critical illness.
Why is it vital for a recruitment agency? In many agencies, especially smaller ones, a huge portion of the revenue is generated by one or two individuals. If your star consultant, who brings in 40% of the company's annual billing, were suddenly unable to work, the financial fallout could be catastrophic.
A Key Person Insurance payout provides the business with breathing room. The funds can be used to:
- Recruit and train a suitable replacement.
- Cover the loss of profits during the transition period.
- Reassure clients, lenders, and investors that the business is stable.
- Clear business loans or other debts.
Executive Income Protection
What is it? This is an Income Protection policy owned and paid for by your limited company for an employee or director. If the insured person is unable to work due to illness or injury, the benefits are paid to the company, which can then continue to pay the individual a salary.
What are the benefits? The main advantage is tax efficiency.
- Premiums are typically treated as an allowable business expense, meaning they can be offset against the company's corporation tax bill.
- It's a highly valued employee benefit that can help you attract and retain top recruitment talent.
- It ensures your key people can maintain their income without it being a drain on the company's resources during a prolonged absence.
Relevant Life Insurance
What is it? A tax-efficient death-in-service policy for an individual employee or director, paid for by the business. It provides a lump sum payout to the individual's family or dependants if they die while employed.
What are the benefits? Relevant Life Cover is one of the most tax-efficient ways for a small business to provide life insurance for its directors.
- Premiums are not typically treated as a P11D benefit-in-kind, so there is no extra income tax for the employee.
- The premiums are usually an allowable business expense for the company.
- The policy is written in trust, meaning the payout goes directly to the beneficiaries, bypassing the business and typically falling outside the deceased’s estate for Inheritance Tax (IHT) purposes.
For a director of a recruitment agency, this is a far more cost-effective way to secure life insurance than paying for a personal policy out of their own post-tax income.
How Insurers Assess Recruitment Consultants
When you apply for protection insurance, underwriters will assess your level of risk. The good news is that as a recruitment consultant, you are generally viewed very favourably.
- Occupation: Your role is typically classified as a 'Class 1' or 'Class 2' risk, which is the lowest risk category. This is because your work is office-based and non-manual. This helps keep your premiums for Income Protection and Critical Illness Cover competitive.
- Income: For Income Protection, insurers will need to verify your earnings. This is straightforward if you're a salaried employee. If you have a significant commission element, you'll need to provide evidence, such as:
- Your last 3-6 months' payslips.
- Your P60s for the last 1-3 years.
- If you're a company director or self-employed, your last 2-3 years of finalised accounts or tax returns (SA302s). It's crucial to work with a broker who can present your variable income to insurers in the most effective way.
- Health and Lifestyle: As with any applicant, insurers will ask detailed questions about your:
- Age, height, and weight (BMI).
- Smoking and vaping status.
- Alcohol consumption.
- Medical history, including any pre-existing conditions.
- Family's medical history.
- High-risk hobbies (e.g., motorsports, mountaineering). Full and honest disclosure is essential. Failing to disclose relevant information can lead to a claim being denied in the future.
- Travel: If your role requires frequent international travel, especially to countries considered high-risk, insurers will want to know the details. Standard business travel to places like the EU, USA, or Australia is rarely an issue.
Wellness and Health: A Recruiter's Best Investment
While insurance is your financial safety net, your health is your greatest asset. Taking proactive steps to manage your physical and mental well-being is not just good for you—it can also have a positive impact on your insurance premiums and, more importantly, your long-term success and happiness.
Managing Stress
In a target-driven world, stress is inevitable, but it can be managed.
- Set Boundaries: Learn to switch off. Avoid checking emails late at night and protect your weekends.
- Practice Mindfulness: Even 10 minutes of meditation or deep breathing exercises per day can significantly lower stress levels.
- Take Regular Breaks: Step away from your desk during the day. A short walk can clear your head and boost productivity.
Diet and Nutrition
Fuelling your body correctly is vital for maintaining energy and focus during long days.
- Stay Hydrated: Dehydration can lead to fatigue and headaches. Keep a water bottle on your desk.
- Plan Your Meals: Avoid grabbing unhealthy, processed food on the go. Preparing a healthy lunch can save you money and improve your energy levels.
- Limit Caffeine and Sugar: While tempting for a quick boost, they often lead to an energy crash later.
WeCovr is committed to the well-being of our clients. That's why, in addition to finding you the best protection policy, we provide complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It’s a simple, effective tool to help you make healthier choices every day, supporting your long-term health goals.
The Importance of Sleep
Sleep is not a luxury; it’s a biological necessity. Consistent lack of sleep impairs cognitive function, decision-making, and emotional regulation—all critical skills for a successful recruiter. Aim for 7-9 hours of quality sleep per night.
Staying Active
Regular physical activity is one of the most effective ways to combat stress and improve mental clarity. You don't need to run a marathon; find an activity you enjoy.
- A brisk 30-minute walk at lunchtime.
- A couple of gym sessions per week.
- Joining a team sport.
Exercise releases endorphins, improves mood, and contributes to better overall cardiovascular health, reducing your risk of many of the conditions covered by critical illness policies.
Illustrative Costs of Protection for a Recruitment Consultant
The cost of protection is unique to each individual, based on factors like age, health, lifestyle, and the amount of cover required. However, the following tables provide an illustration of potential monthly premiums for a healthy, non-smoking individual.
Important: These are examples only and are not a quote. Your final premium will be determined by the insurer after a full application.
Table 1: Example Premiums for Life Insurance Cover: £300,000 Level Term Assurance over a 25-year term for a non-smoker.
| Age | Indicative Monthly Premium |
|---|---|
| 30 | £11.50 |
| 35 | £15.00 |
| 40 | £21.00 |
Table 2: Example Premiums for Combined Life & Critical Illness Cover Cover: £300,000 Life Insurance & £75,000 Critical Illness Cover over a 25-year term for a non-smoker.
| Age | Indicative Monthly Premium |
|---|---|
| 30 | £35.00 |
| 35 | £48.00 |
| 40 | £69.00 |
Table 3: Example Premiums for Income Protection Cover: £3,000 monthly benefit, 13-week deferred period, payable until age 65, 'Own Occupation' definition for a non-smoker.
| Age | Indicative Monthly Premium |
|---|---|
| 30 | £40.00 |
| 35 | £55.00 |
| 40 | £75.00 |
As you can see, comprehensive protection is often far more affordable than people assume—a small monthly investment for invaluable peace of mind.
How to Get the Right Cover: A Step-by-Step Guide
Navigating the insurance market can be complex, but a structured approach makes it manageable.
- Assess Your Needs: Before you do anything else, understand what you're protecting. Calculate your mortgage, outstanding debts, and how much income your family would need to live comfortably.
- Understand Your Budget: Be realistic about what you can afford to pay each month. A good policy is one that you can maintain long-term.
- Gather Your Information: Have your financial details ready, including payslips, P60s, or company accounts, along with any relevant medical information.
- Speak to an Expert Broker: This is the most crucial step. While comparison websites can give you a rough idea of price, they cannot provide advice or account for the nuances of your variable income. An independent broker, like us at WeCovr, works for you, not the insurance company.
- We understand how different insurers view commission and self-employed income.
- We search the entire market to find the most suitable policy from all the major UK insurers.
- We help you complete the application forms accurately.
- We provide tailored advice to ensure your policy truly meets your needs.
- Place Your Policy in Trust: For life insurance policies, placing them 'in trust' is a simple process that we can help you with, usually for free. It ensures the payout goes directly and quickly to your chosen beneficiaries, bypassing probate and typically protecting it from Inheritance Tax.
Conclusion: The Most Important Placement You'll Ever Make
As a recruitment consultant, you are a master of planning, strategy, and risk management on behalf of your clients. It’s time to apply those same skills to your own life and financial future.
In a career defined by its pressures and its rewards, a robust protection plan is not a 'nice-to-have'—it's an absolute essential. Life Insurance, Critical Illness Cover, and particularly Income Protection provide the security you need to continue striving for your goals, safe in the knowledge that you and your family are protected against the unexpected. For business owners, policies like Key Person and Relevant Life Cover extend that protection to the enterprise you've worked so hard to build.
Don't leave your future to chance. Taking control of your financial security is the most important placement you will ever make. Contact a specialist adviser today to build a protection portfolio that is as ambitious and resilient as you are.
Do I need a medical examination to get life insurance?
How is my commission-based salary assessed for Income Protection?
Can I get cover if I'm a self-employed recruitment consultant or a company director?
What happens to my policy if I change jobs or leave the recruitment industry?
Is a life insurance payout taxed?
Why should I use a broker like WeCovr instead of a comparison website?
Related guides
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!