Life Insurance for Tilers UK
As a tiler or flooring contractor in the UK, your work is a blend of precision, artistry, and sheer physical effort. You spend your days transforming spaces, but the demanding nature of the job—kneeling for hours, lifting heavy materials, and the constant risk of injury—puts your most valuable asset at risk: your ability to earn an income.
For a skilled tradesperson, especially one who is self-employed or runs their own business, a robust financial safety net isn't a luxury; it's a fundamental part of a sound business and personal plan. An unexpected illness or injury could not only halt your work but also jeopardise your family's financial stability and the future you're working so hard to build.
This is where specialist protection insurance comes in. Policies like Life Insurance, Critical Illness Cover, and Income Protection are designed to provide financial security when you need it most. This comprehensive guide will walk you through everything you need to know about securing the right cover, tailored specifically for the unique challenges and risks faced by tilers and flooring contractors across the UK.
Flexible Policies for Tiling and Flooring Contractors
The world of a self-employed contractor is anything but rigid. Your income can fluctuate from one month to the next, projects vary in scale and duration, and your financial needs will evolve throughout your career. Standard, inflexible insurance policies often don't fit this dynamic reality. That's why securing flexible protection is paramount.
Flexibility means having a plan that can adapt with you. For example:
- Adjustable Cover: The ability to increase or decrease your level of cover as your life changes. You might want more cover when you take on a larger mortgage or have children, and less as you pay down debt and approach retirement.
- Guaranteed vs. Reviewable Premiums: Understanding the difference is crucial. Guaranteed premiums remain fixed for the life of the policy, offering budget certainty. Reviewable premiums may start lower but can increase over time, which might suit short-term needs but could become expensive later.
- Payment Holidays: Some modern income protection policies may offer the option of a payment holiday, allowing you to pause your premiums for a month or two during a quiet work period without losing your valuable cover (though terms and conditions apply).
- Waiver of Premium: This is a vital add-on. If you make a successful claim on your income protection or critical illness policy, this waiver means the insurer will cover your policy premiums, so your protection remains in place while you are unable to work and not earning.
By working with an expert broker, you can navigate these options to build a protection portfolio that provides a rock-solid foundation, no matter what your next project or life stage brings.
Why Tilers Need Specialist Financial Protection
The tiling and flooring trade carries specific risks that make insurance a critical consideration. While you take precautions on-site, some risks are inherent to the profession and can have long-term consequences.
1. The Physical Toll of the Job
Tiling is a physically demanding profession. The repetitive strain and heavy lifting can lead to a range of health issues over time.
- Musculoskeletal Disorders (MSDs): The Health and Safety Executive (HSE) consistently reports that the construction sector, which includes trades like tiling, has one of the highest rates of MSDs. Constant kneeling affects the knees, lifting heavy boxes of tiles and bags of adhesive strains the back, and repetitive hand movements can lead to conditions like carpal tunnel syndrome.
- A 2023 HSE report on work-related ill health and injury in Great Britain highlighted that an estimated 42,000 workers in construction were suffering from a work-related musculoskeletal disorder. These aren't just aches and pains; they can become chronic conditions that prevent you from working.
2. The High Risk of Acute Injury
Every worksite has its hazards. For tilers, these include:
- Slips, Trips, and Falls: Wet floors, off-cuts, and tools create a constant trip hazard. Falls from height, even a small step-ladder, can cause serious injury.
- Cuts and Lacerations: Working with sharp tools, cutters, and broken tiles puts you at risk of deep cuts that could lead to nerve or tendon damage.
- Respiratory Illness: A significant and often overlooked danger is the inhalation of respirable crystalline silica (RCS) dust, created when cutting tiles, concrete, or stone. Prolonged exposure can lead to incurable diseases like silicosis, chronic obstructive pulmonary disease (COPD), and even lung cancer.
3. The Reality of Self-Employment
The vast majority of tilers are self-employed sole traders or directors of their own limited company. This independence comes with a major catch: you have no safety net unless you create it yourself.
- No Sick Pay: If you can't work, you don't get paid. There's no employer to provide Statutory Sick Pay (SSP), let alone a generous company sick pay scheme.
- No Employee Benefits: You don't receive 'death-in-service' benefits, which typically pay out a multiple of an employee's salary to their family if they die while employed.
- Income Instability: An injury that puts you out of action for six weeks could wipe out your savings. A serious illness that stops you from working for a year or more could be financially catastrophic.
These combined risks underscore why a generic, off-the-shelf policy isn't enough. You need protection that understands and covers the specific realities of your trade.
Core Protection Policies Explained for Tilers
Understanding the main types of protection is the first step. Think of them as different tools in your financial toolkit, each with a specific job to do.
Income Protection Insurance
For a self-employed tiler, this is arguably the most crucial policy of all. It’s designed to do one thing: replace your income if you can't work due to any illness or injury.
- What it does: It pays you a regular, tax-free monthly income until you can return to work, reach retirement age, or the policy term ends, whichever comes first.
- How it helps a tiler: If you suffer a bad back injury and are told by doctors you can't work for 6 months, income protection would kick in and pay you a monthly sum to cover your mortgage, bills, and living expenses. It protects your lifestyle and removes financial pressure while you recover.
- Key Feature: Definition of Incapacity: Look for a policy with an 'Own Occupation' definition. This means it will pay out if you are unable to perform your specific job as a tiler. Other, weaker definitions might only pay out if you're unable to do any job, which is far less protective for a skilled manual worker.
Personal Sick Pay Insurance
This is a type of short-term income protection. It functions similarly but is designed to cover shorter periods of absence.
- What it does: It pays a monthly benefit if you're unable to work, but typically only for a limited period, such as 12, 24, or 60 months per claim.
- How it helps a tiler: This can be a more affordable option for those on a tighter budget or for younger tilers who want to cover immediate risks. It’s perfect for bridging the gap for common issues like a broken bone or a minor operation that might keep you off the tools for a few months.
Critical Illness Cover (CIC)
This policy provides a significant financial buffer in the event of a life-altering diagnosis.
- What it does: It pays out a one-off, tax-free lump sum if you are diagnosed with one of a list of specific serious illnesses defined in the policy. Common conditions covered include heart attack, stroke, many forms of cancer, and multiple sclerosis.
- How it helps a tiler: A critical illness would almost certainly mean a long time away from work, and you might never be able to return to such a physical job. The lump sum could be used to:
- Clear your mortgage and other major debts.
- Pay for private medical treatment or specialist therapies.
- Adapt your home if you have a disability.
- Provide a financial cushion for your family while you decide on your next steps.
Life Insurance
Life insurance is the bedrock of financial planning, designed to protect your loved ones if you are no longer around.
- Term Life Insurance: This is the most common and affordable type. It pays out a fixed lump sum if you pass away during a set period (the 'term'), for example, until your children are financially independent or your mortgage is paid off.
- Family Income Benefit: This is a variation of term life insurance. Instead of a single lump sum, it pays out a regular, tax-free monthly or annual income to your family for the remainder of the policy term. This can be easier for a family to manage and is designed to directly replace your lost monthly earnings.
- Gift Inter Vivos: This is a more specialist policy. If you gift a large sum of money or an asset (like a share in your business) and then pass away within seven years, the gift could be subject to Inheritance Tax. This policy pays out a lump sum to cover that potential tax bill, ensuring your beneficiaries receive the full value of the gift.
Underwriting for Tilers: What Insurers Want to Know
When you apply for protection insurance, the insurer's underwriting team assesses your level of risk. For a tiler, they'll focus on a few key areas. Being prepared for these questions will make the process smoother.
1. Your Occupation Details: They won't just see "Tiler". They will want to know the specifics:
- Do you primarily do domestic or commercial work?
- Do you work at height (e.g., tiling roofs)?
- Do you use heavy-duty cutting machinery?
- What percentage of your time is manual work versus administrative tasks?
- Do you work with hazardous materials (beyond standard adhesives and grouts)?
2. Your Health and Lifestyle: These are standard questions for any applicant:
- Age, Height, and Weight (BMI): A key indicator of general health.
- Smoking and Vaping: Smokers pay significantly more due to the proven health risks.
- Alcohol Consumption: You'll be asked about your weekly unit intake.
- Medical History: You must disclose any past or present medical conditions, consultations, or medications. This includes musculoskeletal issues like back or knee pain.
- Family Medical History: Insurers are interested in hereditary conditions (e.g., heart disease, cancer) in your close relatives.
3. Your Hobbies: If you participate in any high-risk hobbies like motorsports, mountaineering, or scuba diving, you'll need to declare it. This may affect your premiums.
The Golden Rule: Full Disclosure It is absolutely vital that you are 100% honest in your application. Withholding information or providing false details can lead to your policy being declared void. This means the insurer could refuse to pay a claim, leaving your family with nothing, even after you've paid premiums for years. It’s simply not worth the risk.
A Tiler's Guide to Choosing the Right Cover Level
"How much cover do I need?" is the most common question. There's no single answer, but you can use this framework to get a good estimate.
For Life Insurance:
A simple formula is to add up all your financial obligations.
- Mortgage: The outstanding balance.
- Other Debts: Car loans, credit cards, business loans.
- Family Living Costs: A common rule of thumb is to aim for 10 times your annual net income to provide a long-term fund for your family.
- Childcare & Education: The estimated future costs.
- Funeral Costs: The average UK funeral cost is around £4,000 - £5,000.
Example: Mark is 35, earns £40,000 a year, has a £200,000 mortgage, and two young children.
- Mortgage: £200,000
- Family Costs (10x income): £400,000
- Total Suggested Cover: £600,000
For Critical Illness Cover:
The lump sum should be enough to remove financial pressure during a crisis. Consider covering:
- Your outstanding mortgage.
- 2 to 5 years of your annual income to give you time to recover and retrain if necessary.
For Income Protection:
- Insurers will typically allow you to cover up to 60-65% of your gross (pre-tax) annual income.
- Why not 100%? Firstly, the benefit is paid tax-free, so it's closer to your take-home pay. Secondly, it provides an incentive to return to work when you are fit and able to.
- The deferment period is key to managing cost. This is the waiting period from when you stop working to when the payments begin. It can range from 1 day to 12 months. Align it with your savings – if you have 3 months of emergency funds, a 3-month deferment period will lower your premium.
Table: Comparing Protection Products at a Glance
| Feature | Life Insurance | Critical Illness Cover | Income Protection |
|---|---|---|---|
| What triggers a payout? | Your death or diagnosis of a terminal illness. | Diagnosis of a specific, serious illness listed in the policy. | Being unable to work due to any illness or injury. |
| What does it pay out? | A pre-agreed sum of money. | A pre-agreed sum of money. | A regular monthly income. |
| How is it paid? | A single lump sum or a regular income (FIB). | A single lump sum. | Monthly payments. |
| Primary purpose? | To provide for dependents & clear debts after you're gone. | To provide a financial buffer during a major health crisis. | To replace your salary and cover ongoing bills while you recover. |
Solutions for Tiling Business Owners and Directors
If you've grown your business and operate as a limited company, a new world of tax-efficient protection opens up. These policies are paid for by the business, protecting both the company and you as a director.
Executive Income Protection
This is income protection for a director, but it's owned and paid for by your limited company.
- Key Benefit: Tax Efficiency. The premiums are typically treated as an allowable business expense, reducing your corporation tax bill. Furthermore, because the business pays the premium, it's not a P11D benefit-in-kind, so you don't pay personal income tax on it.
- Higher Cover Levels: Insurers often allow cover for up to 80% of your total remuneration (salary and dividends).
- Who it’s for: Any director of a tiling business who wants to protect their income in the most tax-efficient way possible.
Key Person Insurance
Who is the most important person in your business? If you're the lead tiler, client contact, and quote-generator, it's probably you.
- What it does: This is a life and/or critical illness policy taken out by the business on a 'key' individual. If that person passes away or suffers a critical illness, the policy pays a lump sum to the business.
- How it helps: The money can be used to:
- Recruit and train a replacement.
- Cover lost profits during the disruption.
- Clear business debts.
- Wind down the business in an orderly fashion if it cannot continue.
Relevant Life Cover
This is a tax-efficient alternative to a personal life insurance policy for directors.
- What it does: It's a 'death-in-service' policy paid for by the business. The premiums are an allowable business expense and it does not count as a benefit-in-kind.
- How it's paid: If you die, the payout goes directly to a trust for your family, bypassing the business accounts. This also means it typically falls outside of your estate for Inheritance Tax purposes.
These business protection policies can offer significant savings and enhanced benefits compared to personal plans. At WeCovr, we have extensive experience in helping business owners structure these policies correctly.
The Cost of Protection: What Influences Your Premiums?
The price you pay is calculated based on risk. The lower the insurer perceives your risk to be, the lower your premium.
- Age: The single biggest factor. The younger you are when you take out a policy, the cheaper it will be.
- Health: Pre-existing medical conditions can lead to higher premiums or exclusions on your policy.
- Smoker Status: A smoker can expect to pay anywhere from 50% to 100% more than a non-smoker for the same cover.
- Occupation: Being a tiler is considered a manual trade, which carries a higher risk than an office job. This will be factored in, but premiums are still very affordable.
- Cover Amount & Term: The more cover you want and the longer you want it for, the higher the cost.
- Guaranteed vs. Reviewable Premiums: Guaranteed premiums start slightly higher but are fixed for life, offering long-term value. Reviewable premiums start lower but can increase, sometimes steeply, over the policy term.
Real-Life Scenarios for Tilers
Let's bring this to life with a few examples.
Scenario 1: Mark, the 32-year-old Self-Employed Tiler
- Situation: Mark is a sole trader, earns £38,000 a year, is married with one child, and has a £220,000 mortgage. He has about £5,000 in savings.
- Protection Plan:
- Life & Critical Illness Cover: A policy for £220,000 to clear the mortgage if he dies or gets a serious illness.
- Income Protection: Cover for £2,000 per month (approx. 63% of his gross income). He chooses a 4-week deferment period, as his savings would only cover a month of expenses. He insists on an 'own occupation' definition.
Scenario 2: Sarah, the 45-year-old Director of a Tiling Company
- Situation: Sarah runs 'Prestige Tiling Ltd'. She draws a salary of £12,000 and £40,000 in dividends. Her business partner is also a key tiler.
- Protection Plan:
- Executive Income Protection: The business pays for a policy to cover 80% of her £52,000 remuneration. The premiums are a business expense.
- Relevant Life Cover: A £500,000 policy, paid for by the business, to protect her family.
- Key Person Insurance: The business takes out a £100,000 policy on both Sarah and her business partner to protect the company if one of them could no longer work.
Wellness & Health Tips for Tilers
Your long-term health is your greatest asset. While insurance provides a financial backstop, prevention is always better than cure.
- Protect Your Knees and Back: Always use high-quality, supportive knee pads. Practice safe lifting techniques by bending your knees and keeping your back straight. Regular stretching before and after work can significantly reduce muscle strain.
- Control the Dust: The risk from silica dust is severe. Always use a high-quality FFP3-rated dust mask when cutting tiles. Use wet-cutting methods wherever possible to dampen down dust at the source, and ensure good ventilation.
- Stay Fuelled and Hydrated: A physical job requires good fuel. Avoid sugary snacks and drinks that lead to energy crashes. Opt for complex carbohydrates, protein, and plenty of water throughout the day to maintain energy and focus.
- Invest in Recovery: Your body repairs itself during sleep. Aim for 7-9 hours of quality sleep per night to allow your muscles and joints to recover from the day's work.
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 diet and ensure you're getting the right fuel for a demanding job, another example of how we go above and beyond for our customers.
How WeCovr Can Help Tilers Find the Right Policy
Navigating the insurance market can be complex, especially with the specific considerations of a manual trade. This is where an expert, independent broker makes all the difference.
At WeCovr, we specialise in helping self-employed individuals and business owners in the trades find the right protection.
- We Understand Your Job: We know the questions insurers will ask about being a tiler and how to present your application in the best possible light.
- We Scan the Entire Market: We are not tied to any single insurer. We compare policies and prices from all the major UK providers to find you the best cover at the most competitive price.
- We Handle the Hassle: We manage the application process from start to finish, saving you time and ensuring all the details are correct.
- We Build Your Plan: We don't just sell policies. We work with you to understand your unique circumstances and build a tailored protection package that covers all your needs, from personal income protection to tax-efficient business cover.
Your skill as a tiler provides for your family and builds your future. A robust protection plan ensures that future is secure, no matter what life throws at you. Don't leave it to chance.
I have some minor back pain from work. Can I still get cover?
Generally, yes. It's very common for people in manual trades to have experienced some form of back pain. You must declare it on your application. Depending on the severity, frequency, and treatment received, the insurer might offer cover on standard terms, apply a small premium increase (a 'loading'), or place an 'exclusion' on the policy. An exclusion would mean you couldn't claim on an income protection policy for back-related issues, but you would still be fully covered for any other illness or injury.
Is income protection tax-deductible for a self-employed tiler?
For a personal income protection policy taken out by a sole trader, the premiums are paid from your post-tax income. Consequently, any benefit you receive from a claim is paid out completely tax-free. For a director of a limited company, an Executive Income Protection policy is different: the business pays the premiums, which are usually classed as a tax-deductible business expense, and the benefit is then paid to the company to be distributed as income, subject to tax and NI.
Do I need a medical exam to get life insurance?
Not always. For many applicants, especially those who are younger, in good health, and applying for a moderate amount of cover, insurers can make a decision based solely on the application form. However, they may request a GP report, a nurse screening, or a full medical exam if you are applying for a very large sum assured, are older, or have declared significant pre-existing medical conditions.
What is 'waiver of premium'?
A waiver of premium is a highly valuable, optional add-on to policies like income protection and critical illness cover. It means that if you are incapacitated and making a claim, the insurer will 'waive' your requirement to pay premiums after your deferment period has passed. This keeps your policy active and fully in force without you having to pay for it, ensuring your cover continues throughout your recovery period. It is almost always recommended.
I work on my own. Is business protection relevant to me?
It depends on your business structure. If you are a self-employed sole trader, your priority is personal protection (Income Protection, Life Insurance, etc.). If you operate as a limited company, even a one-person company, then business protection policies like Executive Income Protection and Relevant Life Cover become extremely relevant. They can provide the same or better protection as personal plans but in a much more tax-efficient manner, offering significant savings.
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!
There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!
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!