Life Insurance for Start-Up Founders UK
As a start-up founder, you're an expert in calculated risks. You've likely poured your savings, your time, and your very soul into building a venture from the ground up. You've planned for market shifts, competitor moves, and funding rounds. But have you planned for the most personal risk of all? What happens to your family, your team, and your business if you're no longer there to lead it?
The relentless drive required to build a start-up often means personal well-being and long-term financial planning take a backseat. Yet, for someone whose value is so intrinsically tied to their business, having a robust protection strategy isn't a luxury—it's a fundamental pillar of sustainable success. This guide is designed specifically for you, the UK start-up founder, to demystify the world of life insurance and business protection, helping you build a financial fortress around what you hold most dear.
Tailored protection for early-stage business founders
The life of an early-stage founder is unlike any other. The hours are long, the stress is high, and the financial rewards are often deferred. According to a 2023 report from the Federation of Small Businesses (FSB), a significant proportion of small business owners report high levels of stress impacting their mental health. This unique lifestyle creates specific risks that a standard, off-the-shelf insurance policy simply won't address.
Consider your position:
- You are the business: In the early days, you are the chief strategist, lead salesperson, and primary innovator. Your sudden absence could be a catastrophic blow, not just emotionally but financially, to the venture.
- Personal finances are intertwined: You may have signed personal guarantees for business loans, used your home as collateral, or invested your life savings. Your business and personal liabilities are often one and the same.
- Irregular income: Unlike a salaried employee, your income can be unpredictable. This makes it challenging to qualify for certain types of protection and requires a more nuanced approach.
- Investor and team confidence: Your backers and your employees have invested their money and careers in you. Your ability to demonstrate a contingency plan for your absence is a powerful signal of mature leadership and operational resilience.
Tailored protection for a founder is about more than just a life insurance payout for your family. It's a strategic framework that protects your personal dependents, secures the business's future, satisfies investor concerns, and ensures your legacy—both personal and professional—is preserved.
Why Standard Life Insurance Might Not Be Enough
Many people think of life insurance as a simple contract: you pay a monthly premium, and if you pass away, your family receives a lump sum. While this is the core of a personal policy and absolutely essential, it only solves one part of the founder's complex puzzle.
A standard term life insurance policy is designed to cover personal liabilities like:
- Clearing a mortgage
- Paying for children's education
- Replacing your personal income for your family's living expenses
However, it does not address the significant risks associated with your business.
| Risk Area | How a Standard Personal Policy Helps | The Gap for a Start-Up Founder |
|---|---|---|
| Family Debt | Pays off the mortgage and personal loans. | Does not cover business debts you have personally guaranteed. |
| Business Continuity | Provides no funds directly to the business. | The business may lack cash to hire a replacement or cover lost revenue. |
| Shareholding | Your shares pass to your estate (e.g., your spouse). | Your spouse may not have the desire or skill to run the business, or may be forced to sell shares at a low price. |
| Investor Confidence | Does nothing to reassure investors. | Your death could trigger clauses in shareholder agreements or spook investors, jeopardising the next funding round. |
Relying solely on personal life insurance is like building a firewall for your home computer but leaving your company's servers completely exposed. To be truly protected, you need a layered approach that ring-fences both your personal and business risks.
The Founder's Protection Portfolio: A Multi-Layered Approach
Think of your protection strategy not as a single product, but as a portfolio. Just as you diversify investments, you should diversify your insurance to cover different eventualities. This portfolio is typically split into two main categories: Personal Protection and Business Protection.
1. Personal Protection: Securing Your Home Front
This is the foundation. Before you protect your business, you must protect your family.
Life Insurance
This forms the bedrock of any plan. The payout ensures your loved ones can maintain their lifestyle, clear debts, and face the future without financial hardship.
- Term Life Insurance: This is the most common and affordable type. It covers you for a fixed period (the 'term'), for example, until your mortgage is paid off or your children are financially independent. If you die within the term, it pays out a lump sum.
- Family Income Benefit: A variation of term insurance. Instead of a single lump sum, it pays out a regular, tax-free income to your family for the remainder of the policy term. This can be easier to manage than a large lump sum and is often more affordable, making it a great option for founders managing tight cash flow.
- Whole of Life Insurance: This policy covers you for your entire life and is guaranteed to pay out whenever you die. It's more expensive but can be a valuable tool for covering a guaranteed liability like an Inheritance Tax (IHT) bill.
Critical Illness Cover
For a founder, being diagnosed with a serious illness like cancer, a heart attack, or a stroke can be financially devastating. You may be unable to work for months, if not permanently.
Critical Illness Cover pays out a tax-free lump sum on the diagnosis of a specified condition. This money is yours to use as you see fit. For a founder, this could mean:
- Hiring a temporary manager to run the business while you recover.
- Paying for private medical treatment to speed up recovery.
- Clearing personal debts to reduce financial pressure.
- Simply giving you the breathing room to focus on your health without worrying about the next payroll.
Many founders add Critical Illness Cover to their life insurance policy for comprehensive protection against both death and serious illness.
Income Protection
This is arguably one of the most vital policies for any self-employed individual, including start-up founders. While life and critical illness cover provide a lump sum for a catastrophic event, Income Protection deals with the more common scenario of being unable to work due to illness or injury.
It pays a regular, recurring monthly income (usually 50-70% of your pre-tax earnings) if you're signed off work by a doctor. The payments continue until you can return to work, reach retirement age, or the policy term ends.
Why is this so crucial for founders?
- It protects your personal cash flow: You can continue to pay your mortgage and bills without draining your savings or drawing down on precious business capital.
- It helps prove income: For founders with 'lumpy' income, establishing a track record of earnings for an Income Protection policy can be a challenge. However, specialist advisers, like our team at WeCovr, can help you use director's salary, dividends, and even retained profits to demonstrate your earnings to insurers.
- It prevents premature return to work: The pressure to get back to the helm can be immense. Having a secure income allows you to recover properly, which is better for your long-term health and the health of your business.
2. Business Protection: Fortifying Your Venture
This is the layer that separates a savvy founder from the rest. Business protection insurance uses the company's money to solve company problems, often in a highly tax-efficient way.
Key Person Insurance
Who is a key person? In a start-up, it’s you. It could also be your genius co-founder or your star developer. A key person is anyone whose death or critical illness would directly cause the business to lose a significant amount of money.
How does it work? The business takes out a life and/or critical illness policy on the key person. The business pays the premiums and is the beneficiary of the policy. If the key person passes away or is diagnosed with a critical illness, the insurance company pays a lump sum to the business.
This cash injection can be a lifeline, used to:
- Recruit and train a replacement: Finding top talent is expensive and time-consuming.
- Repay business loans: Especially those with personal guarantees.
- Reassure investors and lenders: It demonstrates the business is resilient.
- Replace lost profits: It provides working capital during a period of disruption.
Premiums for Key Person Insurance are typically an allowable business expense for corporation tax purposes, as long as the policy is genuinely for the purpose of business continuity.
| Feature | Personal Life Insurance | Key Person Insurance |
|---|---|---|
| Policy Owner | The individual | The business (your limited company) |
| Who is Insured | The individual | A key employee/director (e.g., you) |
| Premium Payer | The individual (from post-tax income) | The business (often a tax-deductible expense) |
| Beneficiary | The individual's family/estate | The business |
| Purpose | Protect the family's financial future | Protect the business's financial stability |
Relevant Life Insurance
This is a fantastic, tax-efficient alternative to a personal life insurance policy for company directors. It's a 'death-in-service' benefit, but for a small business.
How does it work?
- Your limited company takes out a Relevant Life Policy on you.
- The company pays the monthly premiums.
- If you die during the policy term, the payout goes into a discretionary trust.
- The trust pays the money directly to your family/beneficiaries, bypassing your business and your estate.
The Tax Benefits are Significant:
- For the Company: The premiums are generally considered an allowable business expense, reducing your corporation tax bill.
- For You (the Director): The premiums are not treated as a P11D benefit-in-kind, so you don't pay any extra income tax or National Insurance.
- For Your Family: The payout from the trust is typically free from Inheritance Tax.
For many founders who are directors of their own limited company, a Relevant Life Policy is a much more tax-efficient way to provide for their family than paying for personal cover out of their own taxed income.
Executive Income Protection
This is the business equivalent of a personal Income Protection policy. Your company pays the premiums to insure your income. If you're unable to work due to illness or injury, the policy pays a monthly benefit.
Crucially, the benefit is paid to the company, which then pays it to you, the founder, through the PAYE payroll system. This means the income is subject to tax and National Insurance, just like a salary. However, the premiums paid by the company are usually a deductible business expense.
This is an excellent way for the business to fund your sick pay without impacting its cash flow, ensuring you can keep receiving an income while you recover.
Shareholder Protection (or a 'Business Will')
This is essential for any start-up with more than one founder. What happens to your shares if you die? Under normal succession law, they pass to your beneficiaries—perhaps your spouse or children.
This creates two huge problems:
- For your family: They now own a chunk of a start-up they may know nothing about. They might need cash and be forced to sell the shares for a low price.
- For the surviving founders: They are now in business with their deceased partner's spouse, who may have different ideas or no interest in the business at all. It can lead to deadlock and disaster.
Shareholder Protection solves this. It's a combination of a legal agreement and an insurance policy.
- The Agreement: The founders sign a cross-option agreement, which states that if one founder dies, the surviving founders have the option to buy their shares, and the deceased founder's estate has the option to sell them.
- The Insurance: Each founder takes out a life (and often critical illness) policy on the other founders, for the value of their shares. If a founder dies, the policy pays out to the surviving founders, giving them the cash to buy the shares from the deceased's estate at a pre-agreed fair value.
This ensures a smooth transition, protects the business from instability, and provides fair value for the deceased founder's family.
Navigating the Underwriting Process as a Founder
Getting insurance as a founder can feel daunting. Insurers thrive on predictability, and the start-up world is anything but. Here's how to navigate common hurdles.
"My Income is Lumpy and Unpredictable"
This is a major concern, especially for Income Protection. Insurers typically want to see 2-3 years of stable earnings. As a founder, you might be paying yourself a small salary and taking dividends irregularly, or even reinvesting everything back into the business.
How to approach this:
- Use a specialist broker: At WeCovr, we work with underwriters who understand business accounts. We can help you present a compelling case using a combination of director's salary, dividends, and even net profit within the business.
- Provide context: Don't just submit accounts. Provide a narrative. Include business plans, funding announcements, and revenue projections to show your potential future earnings.
- Consider Executive Income Protection: As the benefit is linked to the company, it can sometimes be easier to justify the level of cover based on the company's financial health and your role within it.
"I Work 80-Hour Weeks and Live on Coffee"
The 'hustle culture' can take a toll on your health, and insurers know this. High stress, poor sleep, and a less-than-ideal diet can lead to higher premiums or even exclusions.
Be honest, but also be proactive:
- Disclose your lifestyle accurately: Hiding information on an application is fraud and can invalidate your policy.
- Demonstrate positive changes: Show the insurer you are managing your health. This is where a holistic approach to well-being pays dividends, both for your health and your premiums.
- Focus on the fundamentals: Prioritising 7-8 hours of sleep, incorporating regular exercise (even just a brisk walk), and eating a balanced diet can have a measurable impact on your physical and mental resilience.
As part of our commitment to our clients' long-term health, WeCovr provides complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. This tool can help you take control of your diet and build healthier habits, demonstrating to yourself and potentially to insurers that you take your well-being seriously.
"My Start-Up is in a 'Risky' Sector"
If your work involves manual labour, working at heights, or in hazardous environments, your 'occupation class' may be rated higher by insurers, leading to increased premiums for products like Income Protection.
Be prepared to provide a detailed description of your day-to-day role. If you're the founder of a construction tech company but spend 95% of your time in an office, make that clear. Your role is 'director', not 'roofer'. Clarity is key.
How Much Cover Do I Actually Need? A Founder's Calculation
There's no magic number; the right amount of cover is unique to your circumstances. However, you can use these frameworks as a starting point.
| Type of Cover | How to Calculate the Amount |
|---|---|
| Personal Life Insurance | (Mortgage + Other Debts) + (Annual Family Expenses x Years to Cover) - Existing Savings/Investments |
| Critical Illness Cover | 1-2 years of your net income + enough to clear short-term debts. Gives you breathing space. |
| Income Protection | Aim to cover 50-65% of your gross (pre-tax) personal income (salary + dividends). |
| Key Person Insurance | A multiple of that person's salary (e.g., 5x) OR a calculation based on their contribution to gross/net profit. |
| Shareholder Protection | The current, professionally agreed valuation of each founder's shareholding in the business. |
These are estimations. A detailed financial review with an adviser will provide a much more accurate figure tailored to your specific needs and goals.
The Cost of Protection: What Influences Your Premiums?
Several factors determine the cost of your insurance policies:
- Your Age & Health: The younger and healthier you are, the cheaper your cover will be. This is the single biggest reason to get cover sorted early.
- Smoker Status: Smokers can expect to pay close to double the premium of a non-smoker.
- Lifestyle: Your alcohol consumption and any high-risk hobbies (e.g., mountaineering, private aviation) will be factored in.
- The Policy: The amount of cover, the length of the term, and the type of policy all directly impact the price.
- For Income Protection: Your 'deferred period'—the time you wait before the policy starts paying out—is a key factor. A longer deferred period (e.g., 6 months) results in a much lower premium than a shorter one (e.g., 4 weeks).
Illustrative Monthly Premiums for a 35-Year-Old Non-Smoker: (Note: These are for illustration only. Your actual premiums will depend on your individual circumstances.)
| Policy Type | Cover Amount | Term | Illustrative Monthly Premium |
|---|---|---|---|
| Term Life Insurance | £300,000 | 25 Years | £12 - £18 |
| Life + Critical Illness | £300,000 | 25 Years | £45 - £65 |
| Income Protection | £3,000/month | Until age 65 | £50 - £80 (with 3-month deferral) |
The key takeaway is that comprehensive protection is often far more affordable than most people assume, especially when you lock in rates at a younger age.
Why Use a Specialist Broker like WeCovr?
You could go directly to an insurer, but you would only see one set of products and one underwriting philosophy. As a founder with a non-standard profile, this is a risky strategy. A specialist broker works for you, not the insurance company.
- Whole-of-Market Access: We are not tied to any single insurer. We compare policies and prices from all the major UK providers to find the most suitable and cost-effective solution for your unique situation.
- Founder-Specific Expertise: We understand the challenges you face, from proving irregular income to positioning your lifestyle and business risks correctly. We know which underwriters are more flexible and experienced with entrepreneurs.
- Building Your Portfolio: We don't just sell you a policy. We act as architects for your entire protection portfolio, helping you layer personal and business cover in the most efficient and tax-effective way possible.
- Application & Trust Support: We handle the paperwork, chase the underwriters, and help you place your policies into the correct trusts to ensure the payouts are fast, tax-efficient, and go to the right people.
Our goal is to take the complexity out of insurance, allowing you to focus on what you do best: building your business.
Real-Life Scenarios: Protection in Action
Let's see how this works in practice.
Scenario 1: Amira, the Solo Tech Founder
- Profile: 34, married with one child. Founder of a 2-year-old SaaS start-up. Has a £400,000 mortgage and draws a £50,000 salary + dividends.
- Risks: Family would lose their home and income if she died. If she fell seriously ill, she'd have no income and the business would stall.
- Solution Portfolio:
- Relevant Life Cover: A £500,000 policy paid for by her company. It covers the mortgage and provides a family fund. It's highly tax-efficient.
- Executive Income Protection: The company pays for a policy to replace 70% of her income if she's off sick, protecting her personal finances and company cash flow.
- Personal Critical Illness Cover: A separate policy with £100,000 of cover. This gives her a tax-free lump sum to use for recovery or to inject into the business if needed.
Scenario 2: Ben and Chloe, Co-Founders
- Profile: Both 29, co-founders of a successful e-commerce brand valued at £2 million. They each own 50% of the company.
- Risks: If one died, the other would be in business with the deceased's family. The business would lose its key creative or operational lead, hitting revenue hard.
- Solution Portfolio:
- Shareholder Protection: They implement a cross-option agreement. Ben takes out a £1 million life insurance policy on Chloe, and Chloe does the same for Ben. The policies are written in trust. If one dies, the other gets the cash to buy the shares, ensuring business continuity.
- Key Person Insurance: The business takes out a £500,000 critical illness policy on both Ben and Chloe. If one is diagnosed with a serious illness, the business gets a cash injection to hire cover and manage the disruption.
The Next Steps: Securing Your Future and Your Venture
You've built your start-up on a foundation of smart decisions and strategic planning. Applying that same rigour to your personal and business protection is the ultimate act of leadership. It protects your family, your team, and the vision you've worked so hard to realise.
Don't leave your legacy to chance. The process is simpler than you think, and the peace of mind it delivers is invaluable.
- Assess Your Position: Use the frameworks in this guide to sketch out your personal and business liabilities.
- Talk to Your Stakeholders: Discuss these issues with your co-founders and your partner. A shared understanding is the first step.
- Seek Expert Advice: The world of business protection is complex and the tax implications are significant. A specialist adviser can save you time, money, and ensure your cover is structured correctly.
Building a successful start-up is a marathon, not a sprint. A robust protection strategy is the support system that ensures you, your family, and your business can go the distance, whatever hurdles you may face along the way.
Can I get life insurance if my start-up isn't profitable yet?
What's the difference between Relevant Life and Key Person insurance?
Is income protection worth it for a founder?
Do I need to declare my start-up stress to an insurer?
Can I pay for personal life insurance through my limited company?
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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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!