Life Insurance for Special Constables UK
As a Special Constable, you occupy a unique and admirable position in British society. You volunteer your time, facing the same risks and challenges as your full-time colleagues, all while balancing a primary career and family life. This commitment to public service is commendable, but it also introduces a specific set of financial risks that are often overlooked.
Standard financial planning advice doesn't always account for the complexities of being a part-time police volunteer. You have the powers of a constable, the uniform, and the responsibility, but what about the financial safety net? This in-depth guide is designed specifically for you. We will explore the types of flexible insurance policies available, how insurers view your role, and how you can build a robust financial shield for yourself and your loved ones.
Flexible policies for part-time police volunteers
The term 'volunteer' can be misleading. While you aren't paid a salary, your role is far from a low-risk hobby. You are on the front line, dealing with unpredictable situations and putting your well-being on the line. This is the crucial starting point for understanding your insurance needs.
Unlike your regular, salaried colleagues who typically receive a 'death in service' benefit equivalent to several times their annual pay, your position as a volunteer means this safety net is likely non-existent or significantly smaller. If the worst were to happen in the line of duty, your family might only be eligible for statutory compensation, which may not be sufficient to cover a mortgage, ongoing bills, and future living costs.
This is where private, flexible insurance policies become not just a 'nice-to-have', but an essential part of your financial toolkit. These policies are designed to protect your primary income and provide for your family, regardless of whether an incident happens on or off duty.
Why Special Constables Need Specialist Financial Protection
The need for robust financial protection stems from a combination of the risks you face and the structure of your voluntary role. Let's break down why a standard approach isn't enough.
The Unique Risk Profile of a Special
Your role exposes you to a level of risk far beyond that of a typical nine-to-five job.
- Physical Danger: You face the potential for accidents, assaults, and injuries while on patrol, making arrests, or responding to incidents. According to Home Office figures for England and Wales, in the year ending March 2023, there were over 40,000 assaults on police officers, a stark reminder of the daily dangers.
- Mental Health Strain: The psychological impact of policing is significant. Exposure to traumatic events, high-stress situations, and the emotional weight of the role can lead to conditions like stress, anxiety, and Post-Traumatic Stress Disorder (PTSD). These conditions can be just as debilitating as a physical injury, potentially affecting your ability to perform in your main career.
- The "What If" Factor: What if an injury sustained on a Saturday night shift prevents you from doing your main job as an electrician, a teacher, or an office manager on Monday morning? This is the critical question every Special Constable must ask.
The "Volunteer" Conundrum
Your status as a volunteer creates a significant gap in the traditional employee benefits package.
| Benefit Type | Regular Police Constable | Special Constable |
|---|---|---|
| Death in Service | Typically 2-4x annual salary, via pension scheme. | Usually none, or a very small discretionary grant. |
| Sick Pay | Full pay for a set period (e.g., 6 months), then half pay. | None from the police force. Relies on your main employer's policy. |
| Injury on Duty | Access to Police Injury Benefit Regulations. | Eligible, but can be a complex process and may not cover lost civilian earnings fully. |
This table clearly illustrates the protection gap. While the Police Injury Benefit Regulations exist to provide some support if you're injured on duty, the process can be lengthy, and the compensation might not fully replace the income from your primary job. Relying solely on this is a risky strategy.
Protecting Your Primary Income and Family
The ultimate purpose of protection insurance is to create financial certainty in uncertain times. For a Special Constable, this means:
- Securing your family's future: Ensuring that if you were to pass away, your mortgage could be cleared, and your dependents would have the financial resources they need to maintain their standard of living.
- Protecting your main income stream: Guaranteeing that if an injury or illness (whether from policing or not) stops you from working, a replacement income will kick in to pay the bills.
This financial security provides invaluable peace of mind, allowing you to focus on your duties and your family, knowing you've put a robust plan in place.
Understanding How Insurers View Special Constables
When you apply for life insurance, critical illness cover, or income protection, the insurer's underwriting team will assess your level of risk. Your role as a Special Constable is a key part of this assessment.
The Importance of Full Disclosure
It is absolutely vital that you declare your role as a Special Constable on your application form. It is considered a 'material fact' that influences the insurer's decision.
What should you declare?
- Your official occupation title: "Special Constable".
- The number of hours you typically volunteer per month.
- The nature of your duties (e.g., response patrol, neighbourhood policing, traffic).
- Any specialist training or roles you undertake (e.g., Public Order).
Failing to disclose this information, even if by accident, can have severe consequences. The insurer could void your policy, meaning your family would receive nothing if you were to pass away, even if your death had no connection to your police duties. Honesty is always the best policy.
Will Being a Special Constable Increase My Premiums?
This is the most common question we hear, and the honest answer is: it can, but not always by as much as you might think.
Insurers place occupations into different classes based on perceived risk. Policing roles are generally considered higher risk than, for example, an administrative job. This can result in a 'loading' on your premium, which is a percentage increase.
However, the market is competitive, and different insurers have very different views on risk.
- Some insurers may apply a flat, modest increase.
- Others may look more closely at your specific duties and hours.
- A few insurers may offer standard rates, especially if your duties are perceived as lower risk (e.g., community engagement roles).
This is precisely why you shouldn't just use a single comparison site or go directly to your bank. They may not have access to the specialist insurers who look more favourably on police roles. Working with an expert broker like WeCovr allows you to scan the entire market, including these niche providers, to find the most competitive terms available for your specific circumstances.
Core Protection Products for Special Constables
Building a comprehensive protection plan involves combining different types of cover to create a safety net for various scenarios. Let's look at the core products you should consider.
1. Life Insurance
This is the foundation of financial protection for your family. It pays out a lump sum or a regular income if you pass away during the policy term.
- Level Term Assurance: You choose a lump sum amount (the 'sum assured') and a term (e.g., 25 years). If you die within that term, your beneficiaries receive the full, fixed amount. This is ideal for covering an interest-only mortgage or providing a large enough sum to be invested to create an income for your family.
- Example: David, a 35-year-old Special, has a £250,000 mortgage and two young children. He takes out a Level Term policy for £350,000 over 25 years. This would clear his mortgage and leave £100,000 for his family's living costs.
- Decreasing Term Assurance: Also known as Mortgage Protection Insurance. The sum assured reduces over the policy term, typically in line with a repayment mortgage. As the payout decreases, the premiums are lower than for level term cover, making it a cost-effective way to protect the family home.
- Family Income Benefit: This is a thoughtful and often more manageable alternative to a single lump sum. Instead of one large payout, the policy pays a regular, tax-free monthly or annual income to your family for the remainder of the policy term.
- Example: Sarah, a 40-year-old Special, takes out a Family Income Benefit policy over 20 years to pay out £2,000 a month. If she were to pass away 5 years into the policy, her family would receive £2,000 every month for the remaining 15 years.
2. Critical Illness Cover (CIC)
A serious illness can be just as financially devastating as a death in the family. Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with one of the specific serious conditions listed in the policy.
Why is CIC so important for Specials? An injury on duty or a sudden illness could easily prevent you from working in your main career. The lump sum from a CIC policy can be a lifeline, used to:
- Clear or reduce your mortgage.
- Cover lost income while you recover.
- Pay for private medical treatment or specialist therapies.
- Make adaptations to your home (e.g., if you have impaired mobility).
Policies typically cover major conditions like heart attack, stroke, most forms of cancer, and multiple sclerosis. However, the number and definitions of illnesses covered vary hugely between insurers. It's crucial to examine the policy details, particularly for conditions that might be relevant to your policing role, such as loss of limbs or permanent disability.
3. Income Protection (IP)
Often described as the bedrock of any financial plan, Income Protection is your personal sick pay policy. It pays you a regular monthly income if you are unable to work due to any illness or injury.
For a Special Constable, this is arguably one of the most vital forms of cover. An injury on duty could have long-term consequences for your ability to do your civilian job.
Key features of Income Protection:
- Definition of Incapacity: The best policies use an 'Own Occupation' definition. This means the policy will pay out if you are unable to do your specific job. For example, if a back injury stops a Special who is a scaffolder by trade from working, the policy pays out, even if they could theoretically do a desk job. Cheaper policies may use 'Suited Occupation' or 'Any Occupation' definitions, which are much harder to claim on.
- Deferred Period: This is the waiting period from when you stop working to when the payments start. It can range from one day to 12 months. You can lower your premiums by aligning the deferred period with any sick pay you receive from your main employer (e.g., if you get 6 months full pay, choose a 6-month deferred period).
- Level of Cover: You can typically protect up to 60-70% of your gross annual income. This is paid tax-free under current rules, making it roughly equivalent to your take-home pay.
4. Other Specialist Policies
- Personal Sick Pay: This is a type of short-term income protection, often with payment periods of 1, 2, or 5 years. It's particularly useful for Specials whose main job is in a manual trade (e.g., plumbers, electricians, builders) where the risk of short-term injury is higher and employer sick pay is often limited.
- Gift Inter Vivos: A more niche policy. If you gift a large sum of money or an asset to someone, it may still be considered part of your estate for Inheritance Tax purposes if you die within seven years. This type of life policy can be set up to cover the potential tax bill, ensuring your beneficiaries receive the full value of the gift.
Exploring Police-Specific Benefits and Their Limitations
It's a common misconception that being part of the police family automatically provides a comprehensive safety net. For Specials, it's crucial to understand what you are—and are not—entitled to.
Police Injury Benefit Regulations (PIBR)
You are eligible to apply for benefits under these regulations if you are injured in the execution of your duty. This can provide a gratuity (lump sum) or a pension if the injury leads to a permanent loss of earning capacity.
However, you must be aware of the limitations:
- It only covers injuries sustained on duty. It offers no protection for illness or off-duty accidents.
- The process can be slow and bureaucratic. There is no guarantee of a quick or favourable outcome.
- The award is based on loss of earning capacity and may not fully replace your actual lost income from your civilian career.
- It is a fallback, not a plan. It should not be a substitute for personal Income Protection insurance.
Police Federation Group Insurance
Many regular officers are members of their force's Group Insurance Scheme, run by the local Police Federation branch. These schemes often provide a package of life insurance, critical illness cover, and other benefits for a single monthly premium.
Eligibility for Special Constables varies significantly from force to force.
- Some forces now allow Specials to join the scheme.
- Some offer a separate, more limited scheme.
- Many do not offer it at all.
Action Point: You must check directly with your force's Police Federation to confirm your eligibility. Even if you can join, it's important to review the cover levels. They may be lower than what you need to protect your mortgage and family fully. Group schemes are a great top-up, but rarely sufficient as your sole source of protection.
Application Process: A Step-by-Step Guide for Special Constables
Applying for protection insurance can seem daunting, but it's a straightforward process when you break it down.
Step 1: Assess Your Needs
Before you speak to an adviser or get quotes, have a think about what you need to protect.
| Financial Need | Calculation | Example |
|---|---|---|
| Mortgage | Outstanding balance | £220,000 |
| Family Living Costs | Desired annual income x number of years | £30,000 x 15 years = £450,000 |
| Debts | Car loans, credit cards, etc. | £10,000 |
| Final Expenses | Funeral costs, legal fees | £10,000 |
| Total Life Cover Need | Sum of the above | £690,000 |
This is just a simplified example. A professional adviser can help you perform a more detailed analysis. For income protection, you'll need to know your gross annual salary and your employer's sick pay policy.
Step 2: Gather Your Information
Be prepared with the following:
- Personal Details: Name, address, date of birth.
- Medical History: Details of any past or present health conditions, medications, and your GP's contact information.
- Lifestyle: Information on your height, weight, smoking status, and weekly alcohol consumption.
- Occupation Details: Crucially, you'll need specifics for both your main job and your Special Constable role.
Step 3: Use a Specialist Broker
This is the single most effective way to get the right cover at the best price. Going it alone means you might:
- Apply to an insurer who is notoriously strict with police applications, leading to a decline or very high premiums.
- Miss out on specialist providers who offer more favourable terms.
- End up with a policy that has hidden exclusions.
An independent broker like WeCovr works for you, not the insurance company. We have in-depth knowledge of the market and know which insurers are best for Special Constables. We handle the application process, chase the insurer on your behalf, and help you get the cover in place with minimum fuss.
Step 4: The Underwriting Process
Once your application is submitted, it goes to the insurer's underwriting team. They will assess all the information and may:
- Request a GP Report: Ask your doctor for more details about your medical history.
- Schedule a Nurse Screening: For larger amounts of cover, they may send a nurse to your home or work to take basic measurements like blood pressure, height, weight, and a blood/urine sample.
The outcome will be one of the following:
- Standard Rates: You are accepted on the originally quoted terms.
- Premium Loading: Your premium is increased by a set percentage due to a health or occupation risk.
- Exclusion: You are offered the policy, but a specific condition is excluded (e.g., a back-pain exclusion on an income protection policy for a pre-existing spinal issue).
- Postponement or Decline: In some cases, the insurer may postpone a decision (e.g., pending investigations for a health issue) or decline to offer cover.
Step 5: Review and Put Your Policy in Trust
Once your policy is approved, you'll receive the final documents. Before it goes live, you should complete a Trust Form.
Placing your policy in trust is a simple, free process that nominates your chosen beneficiaries. It means that if you pass away, the insurance payout goes directly to them, bypassing your estate. This has two huge advantages:
- It's much faster: The money can be paid in weeks, rather than the months (or even years) it can take for probate to be granted.
- It's tax-efficient: The payout does not form part of your estate and is therefore not liable for Inheritance Tax.
Case Study: How Protection Insurance Helped a Special Constable
Let's imagine a real-world scenario.
The Individual: "PC Mark", a 42-year-old Special Constable in the Midlands. His main job is a self-employed project manager, earning £55,000 a year. He is married with a 10-year-old son and has a £180,000 mortgage.
The Plan: After speaking with an adviser, Mark puts a comprehensive plan in place:
- Decreasing Term Assurance: £180,000 over 18 years to clear the mortgage.
- Family Income Benefit: £1,500 per month for 18 years to provide an income for his family.
- Income Protection: Covering £2,800 per month, with a 3-month deferred period (as he has savings to cover the initial period).
The Incident: While responding to a domestic incident, Mark is pushed down a flight of stairs, suffering a complex fracture to his ankle and significant ligament damage. He requires surgery and extensive physiotherapy.
The Outcome:
- Mark is unable to work as a project manager for 11 months, as his job requires him to visit sites and he cannot drive or walk without pain.
- As a self-employed contractor, he has no employee sick pay to fall back on.
- After his 3-month deferred period, his Income Protection policy kicks in. He receives £2,800 tax-free every month for the 8 months he is off work.
- This money allows his family to continue paying the mortgage and bills without stress. It prevents them from having to eat into their life savings or go into debt. Mark is able to focus fully on his recovery without financial pressure.
This case study demonstrates that while life insurance is vital, it's often income protection that proves to be the most practical and immediate support for you and your family during your lifetime.
Wellness and Health: Staying Fit for Duty and Life
Your physical and mental health is your most important asset. It's not only crucial for performing your duties as a Special but also directly impacts your insurability and premiums.
- Physical Fitness: Maintaining a good level of cardiovascular fitness and core strength is essential for passing the annual fitness test and for handling the physical demands of the job. A healthy weight and blood pressure will also lead to more favourable insurance premiums.
- Mental Resilience: Policing is psychologically demanding. Make full use of the welfare and support services available within your force, such as Occupational Health, peer support groups, and Trauma Risk Management (TRiM) programmes. Don't be afraid to talk about the things you see and experience. A proactive approach to mental health is a sign of strength.
- Nutrition and Sleep: The challenges of shift work, even on a part-time basis, can disrupt sleep and eating patterns. Prioritise good sleep hygiene where possible and focus on balanced nutrition to maintain energy levels. At WeCovr, we understand the importance of proactive well-being. That's why we provide our clients with complimentary access to our innovative AI-powered calorie tracking app, CalorieHero. It’s a simple tool to help you manage your nutrition and support your health goals, making it easier to stay fit for your uniform, your day job, and your family.
Beyond Personal Cover: Protection for Self-Employed Specials & Company Directors
Many Specials are entrepreneurs, freelancers, or directors of their own limited companies. If this is you, there are highly tax-efficient ways to arrange your protection through your business.
- Executive Income Protection: This is an income protection policy owned and paid for by your limited company. The premiums are typically an allowable business expense, reducing your corporation tax bill. If you need to claim, the benefit is paid to the company, which then pays it to you as a salary via PAYE. It's an excellent way for company directors to secure their income without employee sick pay.
- Key Person Insurance: This policy protects the business itself from the financial fallout of losing you to death or critical illness. The risks you take as a Special add another layer of vulnerability to your business. A Key Person policy provides a cash injection to the business to cover lost profits, recruit a replacement, or clear business debts, ensuring the business can survive without you at the helm.
- Relevant Life Cover: This is a tax-efficient death-in-service benefit for company directors. The life insurance policy is paid for by the company, with premiums again being an allowable business expense. The benefit is paid into a trust for your family, so it does not form part of your estate for inheritance tax purposes. It's often significantly cheaper than a personally funded policy once the tax relief is factored in.
Your Next Steps to Securing Peace of Mind
Being a Special Constable is an act of immense dedication. Protecting your family's financial future is an equally important responsibility. You face a unique set of risks, and standard, off-the-shelf solutions are not enough.
By understanding the limitations of force benefits and exploring the flexible personal protection products available—Life Insurance, Critical Illness Cover, and especially Income Protection—you can build a financial fortress around your loved ones. You ensure that no matter what happens, on or off duty, their home is secure and their future is provided for.
Navigating the insurance market can be complex, especially with a higher-risk role. Don't do it alone. The team of expert advisors at WeCovr specialises in finding affordable, comprehensive protection for people in demanding occupations, including thousands of police officers and volunteers. We compare plans from all the UK's leading insurers to find the right policy for you, your family, and your business, with no obligation and no fee for our advice.
Take the first step today. Secure the peace of mind you and your family deserve.
Do I have to tell my life insurance provider I'm a Special Constable?
Will my premiums be much higher than for a 'normal' job?
Am I not covered by the police 'death in service'?
What if I have a pre-existing medical condition?
Should I put my policy 'in trust'?
What is the best type of life insurance for a Special Constable?
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!