Life Insurance for Theatre Directors UK
From the first read-through to the final curtain call, a theatre director is the creative heart of any production. It’s a role defined by passion, vision, and relentless dedication. But it's also a career characterised by long hours, immense pressure, and often, the financial instability of freelance contracts.
In an industry where the show must always go on, what happens when you, the director, are unexpectedly forced to exit stage left due to illness, injury, or worse? This is where financial protection like life insurance, critical illness cover, and income protection becomes not just a sensible precaution, but a vital part of your professional toolkit.
This guide is written specifically for you – the UK-based theatre director. We’ll cut through the jargon and complexities to provide a clear, comprehensive overview of how you can build a robust financial safety net, allowing you to focus on creating unforgettable theatre, secure in the knowledge that you and your loved ones are protected.
Affordable protection for stage production leaders
The life of a theatre director is anything but a standard 9-to-5. You might be a freelancer jumping from one project to the next, a limited company director running your own acclaimed theatre company, or an artistic director managing a regional playhouse. This unique career path brings with it specific financial vulnerabilities:
- Fluctuating Income: Gaps between projects are common. A period of illness could strike at the worst possible time, wiping out savings and creating significant financial distress.
- Lack of Employee Benefits: The majority of directors work on a freelance basis. According to a 2023 report from the Creative Industries Policy and Evidence Centre, 47% of workers in the 'Music, performing and visual arts' sector are self-employed, compared to just 15% of the wider UK workforce. This means no sick pay, no death-in-service benefits, and no safety net unless you create it yourself.
- High-Stress Environment: The pressure to deliver a successful show on time and on budget is immense. The long hours and emotional investment can take a toll on mental and physical health. Data from the health charity Mind indicates that 1 in 4 people in the UK experience a mental health problem each year, and high-stress professions can exacerbate this risk.
- Project-Based Work: If you fall ill mid-project, you may not get paid for the work you can't complete. Worse, your reputation could be affected if you're forced to pull out of a production.
These factors make standard financial advice insufficient. You need a protection strategy that understands the ebbs and flows of your career, providing security during both the standing ovations and the quiet interludes.
The Three Pillars of Personal Protection: Life, Critical Illness, and Income Cover
Think of your financial protection as a three-act play. Each act provides a different type of security, and together they tell a complete story of financial resilience. Let's look at the lead characters: Life Insurance, Critical Illness Cover, and Income Protection.
Act 1: Life Insurance – Protecting Your Legacy
Life insurance is the simplest form of protection. It pays out a tax-free lump sum to your beneficiaries if you pass away during the policy term. This money can be used to:
- Pay off a mortgage, ensuring your family can stay in their home.
- Cover funeral expenses.
- Replace your lost income to support your dependents (partner, children).
- Leave an inheritance or clear outstanding debts.
For a theatre director, this means your creative legacy isn't overshadowed by financial hardship for those you leave behind.
There are three main types of personal life insurance:
| Policy Type | How It Works | Best For |
|---|---|---|
| Level Term | The payout amount and your premiums remain fixed throughout the policy term. | Covering an interest-only mortgage or providing a set lump sum for your family's living costs. |
| Decreasing Term | The payout amount reduces over time, typically in line with a repayment mortgage. Premiums are lower than Level Term. | Specifically protecting a repayment mortgage, as the cover amount tracks the outstanding loan. |
| Whole of Life | This policy guarantees a payout whenever you die, as it has no end date. Premiums are higher. | Estate planning, covering a guaranteed Inheritance Tax (IHT) bill, or leaving a definite legacy. |
Example: Eleanor, a 45-year-old freelance director, has a partner and two children. They have a £300,000 repayment mortgage. She takes out a decreasing term policy to cover the mortgage and a separate level term policy for £200,000 to provide her family with a financial cushion for a few years if she were to pass away. This ensures their home is secure and they have time to adjust without financial pressure.
Act 2: Critical Illness Cover – Your Financial Understudy
What if you don't pass away, but suffer a serious illness that prevents you from working for an extended period, or even permanently? This is where Critical Illness Cover (CIC) steps in.
CIC pays a tax-free lump sum if you are diagnosed with one of a specific list of serious conditions defined in the policy. The "big three" covered by all policies are:
- Cancer: 1 in 2 people in the UK will be diagnosed with some form of cancer during their lifetime (Cancer Research UK).
- Heart Attack: There are more than 100,000 hospital admissions for heart attacks in the UK each year (British Heart Foundation).
- Stroke: There are over 100,000 strokes in the UK each year, with a third of stroke survivors being of working age (Stroke Association).
Most comprehensive policies cover 50+ conditions, including multiple sclerosis, motor neurone disease, organ failure, and Parkinson's disease.
For a director, a critical illness diagnosis can be devastating. The physical demands of rehearsals, the mental acuity needed for script analysis, and the sheer stamina required to lead a cast and crew can become impossible. A CIC payout gives you options. It allows you to:
- Take time off to recover fully without financial worry.
- Pay for private medical treatments or specialist therapies to speed up recovery.
- Adapt your home if you have a long-term disability.
- Clear debts like a mortgage, reducing your financial outgoings permanently.
Example: Marcus, 52, is directing a major West End revival when he suffers a heart attack. His recovery is expected to take at least six months. His £150,000 Critical Illness Cover policy pays out, allowing him to step away from the production immediately. He uses the money to cover his mortgage and bills, and pays for a private cardiac rehabilitation programme, giving him the best possible chance of returning to the career he loves.
Act 3: Income Protection – The Show-Saver
For many freelance theatre directors, Income Protection (IP) is the single most important policy you can own. While CIC covers specific serious conditions, IP is designed to pay out if any illness or injury prevents you from doing your job.
It works by providing a regular, tax-free monthly income (typically 50-70% of your gross earnings) until you can return to work, retire, or the policy term ends.
Key features to understand:
- The Deferment Period: This is the waiting period from when you stop work to when the policy starts paying out. It can range from 1 day to 12 months. A longer deferment period means lower premiums. As a freelancer, you might choose a 3 or 6-month deferment period to align with your savings.
- 'Own Occupation' Definition: This is crucial. An 'own occupation' policy will pay out if you are unable to work as a theatre director. Less comprehensive definitions (like 'suited occupation' or 'any occupation') might not pay out if the insurer believes you could do another job, like administrative work. Always insist on an 'own occupation' definition.
Income Protection covers a vast range of situations, from a serious accident to a period of severe mental ill-health.
Example: Chloe, a 38-year-old director, develops severe burnout and anxiety after a string of back-to-back, high-pressure shows. Her GP signs her off work for four months. She has an Income Protection policy with a 1-month deferment period. After the first month, her policy starts paying her £2,500 a month, allowing her to focus on therapy and recovery without the added stress of mounting bills.
At WeCovr, we help directors navigate these three core products, analysing your unique circumstances to recommend a blend of cover that offers comprehensive protection without breaking the bank.
For the Entrepreneurial Director: Protecting Your Business
If you've taken the leap to run your own theatre company, you have more than just your personal finances to consider. The business itself is an asset that needs protecting. Specialist business protection insurance is designed to ensure the company can survive the loss of its most crucial player – you.
Key Person Insurance
Who is the driving force behind your theatre company? Whose vision secures funding, attracts talent, and sells tickets? In most small to medium-sized companies, it’s the director. Key Person Insurance protects the business against the financial impact of losing you to death or critical illness.
The policy is owned and paid for by the company, and the payout goes directly to the business. This money can be used to:
- Cover Lost Profits: Replace the revenue you would have generated.
- Recruit a Replacement: The cost of finding and hiring a director of your calibre can be substantial.
- Reassure Stakeholders: It shows investors, funding bodies (like the Arts Council), and banks that there's a contingency plan in place.
- Clear Business Debts: Settle loans or other financial commitments.
Example: The "Starlight Theatre Company" is built around its founder and artistic director, Ben. Its current hit show is a critical and commercial success, largely attributed to Ben's unique vision. The company has a £500,000 Key Person policy on Ben. Tragically, Ben is diagnosed with a terminal illness. The policy pays out to the company, giving the board the funds to hire a renowned guest director to see the show through its run and begin the search for a new artistic director, preventing the company from collapsing.
Executive Income Protection
This is similar to personal income protection but is paid for by your limited company as a business expense. It's a highly tax-efficient way to protect your income.
| Feature | Personal Income Protection | Executive Income Protection |
|---|---|---|
| Paid By | You, from your post-tax income. | Your limited company. |
| Tax Treatment | Premiums are not tax-deductible. Payout is tax-free. | Premiums are usually an allowable business expense. Payout is paid to the company and then distributed to you as salary, subject to tax/NI. |
| Cover Level | Usually up to 60% of personal income. | Can cover up to 80% of your gross salary and dividends. |
| Best For | Sole traders and freelancers. | Directors of limited companies. |
For a company director, Executive IP is often the most cost-effective solution, providing robust cover while reducing the company's corporation tax bill.
Relevant Life Insurance
Think of this as "death-in-service" for small businesses. A Relevant Life Policy is a company-paid life insurance policy for an individual director or employee. The key benefit is tax efficiency.
- Premiums are an allowable business expense.
- It is not considered a P11D benefit-in-kind, so there's no extra tax for the director.
- The payout is made into a trust, so it goes directly to the director's family, free from Inheritance Tax.
This is an excellent way for a director to secure substantial life cover for their family at a much lower net cost than a personal policy.
As specialist brokers, we can advise on the most suitable business protection structure for your company, ensuring both you and your creative enterprise are financially secure.
Factors That Influence Your Premiums: A Director's Cut
Insurers are underwriters – they assess risk. When you apply for cover, they'll look at several factors to decide how much your premiums will be. Understanding these can help you secure the best possible price.
- Your Age: The younger and healthier you are when you take out a policy, the cheaper it will be. Premiums are fixed, so you lock in that lower price for the life of the policy.
- Your Health: They will ask detailed questions about your medical history, including any pre-existing conditions.
- Your Family's Medical History: A history of hereditary conditions (like heart disease or certain cancers) in close relatives can sometimes affect premiums.
- Smoking and Vaping: Smokers and vapers pay significantly more for cover – often double that of a non-smoker. Quitting for at least 12 months can slash your premiums.
- Alcohol Consumption: Your weekly alcohol intake will be assessed.
- Your Occupation: "Theatre Director" is generally considered a low-risk, professional occupation. However, insurers will ask about any unusual aspects, such as working at heights (e.g., on lighting rigs) or extensive international travel.
- Travel: Directors often travel for research, co-productions, or festivals. You must declare this. Travel to standard destinations like Western Europe or North America is fine, but frequent or prolonged travel to countries the Foreign, Commonwealth & Development Office (FCDO) advises against visiting may impact your application.
- The Policy Details: The amount of cover, the length of the term, and the type of policy all directly influence the price.
Here's an illustration of how a single factor can impact a monthly premium for a £250,000 level-term life insurance policy over 25 years for a 40-year-old:
| Profile | Indicative Monthly Premium |
|---|---|
| Standard (Non-smoker, healthy) | £18 |
| Smoker (20 a day) | £35 |
| Slightly raised BMI | £22 |
| Well-managed pre-existing condition | £25+ (depending on condition) |
Note: These are illustrative examples only. Your actual premium will depend on your individual circumstances.
A Director's Guide to Wellness: Lowering Premiums and Improving Performance
Your health is your greatest asset. Not only does good health lead to a more fulfilling life and career, but it also directly translates to lower insurance premiums. In a demanding role like yours, proactive wellness management is key.
1. Managing the Pressure Cooker: The stress of production is notorious. Chronic stress can lead to burnout, anxiety, and physical health problems.
- Mindfulness and Meditation: Even 10 minutes a day can reset your nervous system. Apps like Calm or Headspace are great resources.
- Set Boundaries: The creative process can be all-consuming. Learn to delegate and protect your personal time. A definitive end to your working day is crucial.
- Talk it Out: Utilise industry support networks or a professional therapist. Many modern insurance policies now include access to mental health support services as a standard benefit.
2. Fuelling the Creative Engine: Irregular hours and eating on the run can lead to poor nutritional choices.
- Plan Ahead: Batch-cook healthy meals on your days off.
- Healthy Snacking: Keep nuts, fruit, and protein bars handy during long rehearsal days to avoid sugary snacks.
- Stay Hydrated: Dehydration can cause fatigue and headaches, impairing your focus. Keep a water bottle with you at all times.
To help our clients on their wellness journey, WeCovr provides complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. It’s a simple way to monitor your intake and make healthier choices, even with a hectic schedule.
3. The Importance of Sleep: Theatre life often means late nights and early starts. But sleep is when your body and mind repair and consolidate information – vital for a director holding a whole production in their head.
- Sleep Hygiene: Create a relaxing pre-sleep routine. Avoid screens for at least an hour before bed. Make your bedroom a dark, cool, quiet sanctuary.
- Avoid "Re-directing" in Bed: If your mind is racing, get up for 15 minutes and do something calming, like reading a book (not the script!), before trying to sleep again.
4. Physicality of the Role: Directing can be surprisingly physical, with long hours on your feet, or surprisingly sedentary, with long hours in a chair.
- Incorporate Movement: Take short, active breaks during the day. Walk around the theatre, stretch, or do some simple bodyweight exercises.
- Protect Your Back: Pay attention to your posture, especially when sitting for long periods in auditions or production meetings.
By actively managing your health, you present a lower risk to insurers, leading to better premiums. More importantly, you invest in your longevity and effectiveness in a career you love.
The Application Process: From Audition to Opening Night
Applying for protection can seem daunting, but it's a straightforward process when broken down.
Step 1: Assessing Your Needs (The Script Read-Through) Before you do anything, figure out what you need to protect.
- Debts: What is your outstanding mortgage? Any other large loans?
- Dependents: How much income would your family need to live comfortably if you were no longer around? A common rule of thumb is 10x your annual income.
- Income: How much money would you need each month to cover your essential outgoings if you couldn't work?
- Business: If you own a company, what would be the financial fallout if you were out of the picture?
Step 2: Getting Quotes (The Casting Call) This is where an independent broker like WeCovr is invaluable. Instead of going to one insurer, we search the entire market, including specialists who understand freelance and creative careers. We compare policies not just on price, but on the quality of their definitions and their claims history, ensuring you get the best cover for your specific needs.
Step 3: The Application Form (The Audition) This is the most critical stage. You will be asked detailed questions about your health, lifestyle, and occupation.
- Absolute Honesty is Essential: You must disclose everything you are asked about. Forgetting to mention a past health issue or your smoking habits is called 'non-disclosure'. If the insurer discovers this later, they could refuse to pay a claim, rendering your policy useless.
Step 4: Underwriting (The Rehearsal) The insurer's underwriting team will review your application. They may:
- Write to your GP for a report (a GPR).
- Ask you to attend a mini-medical exam with a nurse (often at your home or workplace, at the insurer's expense).
- Offer you standard terms, increase the premium (a 'rating'), or add an exclusion for a specific health condition.
Step 5: The Offer (Opening Night) Once underwriting is complete, the insurer will issue their final terms. Once you accept and set up your direct debit, the policy is live and you are officially "on risk".
Step 6: Placing Your Policy in Trust (The Legacy) For life insurance, this is a simple but vital step. Placing your policy in a trust is a legal arrangement that ensures the payout goes directly to your chosen beneficiaries, rather than into your legal estate.
- It's Faster: It bypasses the lengthy process of probate.
- It's Tax-Efficient: It keeps the money outside of your estate for Inheritance Tax purposes.
- It's Free: Most insurers provide trust forms, and a good broker will help you complete them correctly at no extra cost.
Beyond the Premium: Choosing the Right Insurance Partner
The cheapest policy isn't always the best. When choosing an insurer, consider the added value they provide.
- Claims Payout Statistics: Look for insurers with a strong track record. The Association of British Insurers (ABI) reported in 2024 that across the industry, 97.4% of all individual protection claims were paid, so rest assured, valid claims are paid.
- Value-Added Benefits: Many modern policies come with a suite of benefits you can use from day one, even without claiming. These are incredibly useful for busy, health-conscious directors.
| Benefit Type | Description |
|---|---|
| Virtual GP Service | 24/7 access to a GP via phone or video call, perfect for getting quick advice without disrupting a rehearsal schedule. |
| Mental Health Support | Access to confidential counselling sessions for stress, anxiety, or other concerns. |
| Second Medical Opinion | If you're diagnosed with a serious illness, you can get your case reviewed by a world-leading expert. |
| Fitness & Nutrition Programmes | Discounts on gym memberships, fitness trackers, and access to nutritional advice. |
| Physiotherapy & Rehabilitation | Support for musculoskeletal issues – a common complaint for those on their feet all day. |
An expert adviser can help you identify which of these benefits would be most valuable to you and factor them into the decision-making process.
Final Curtain
As a theatre director, your talent is in bringing stories to life, managing complexity, and planning for every eventuality on stage. It's time to apply that same foresight to your own life and financial wellbeing.
Life insurance, critical illness cover, and income protection are not mere expenses; they are investments in peace of mind. They are the financial understudies waiting in the wings, ready to step in and ensure the show can go on for you and your family, no matter what life throws at you.
Taking the first step is simple. A conversation with a specialist adviser can demystify the options and provide you with a tailored plan that fits your budget and your unique career. Protect your future, so you can continue to shape the future of British theatre.
I'm a freelance director with a fluctuating income. Can I still get income protection?
I had a mental health issue like anxiety a few years ago. Will this stop me from getting cover?
Do I need a medical examination to get life insurance?
How much cover do I actually need?
I run my own theatre company. Is it better to get personal cover or business protection?
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!