Life's Ultimate Safeguard for Growth
We relentlessly pursue self-improvement, but what if the greatest threat to your personal growth and relationships isn't your mindset, but your financial vulnerability? Uncover how the unseen foundation of true resilience lies in strategic financial protection: from Income Protection and Family Income Benefit ensuring steady flow, to Critical Illness Cover providing essential lump sums for life's toughest blows, and Life Protection ensuring security for loved ones. Discover why tailored Personal Sick Pay is non-negotiable for high-risk professions like tradespeople, nurses, and electricians, and how private health insurance offers vital peace of mind. Learn why preparing for 2025, when 1 in 2 UK individuals are projected to face cancer, isn't just about financial planning, but about safeguarding your future self and unlocking a life of uninterrupted purpose.
In modern Britain, the pursuit of personal growth is a relentless, admirable quest. We invest in courses, devour self-help books, optimise our diets with superfoods, and track our fitness with wearable tech. We strive to be better partners, parents, and professionals. Yet, in this noble journey towards self-actualisation, we often overlook the very foundation upon which all our ambitions are built: our financial resilience.
The uncomfortable truth is that an unexpected illness or injury can shatter our carefully constructed lives in an instant. It can halt career progression, strain relationships, and transform the pursuit of growth into a desperate struggle for survival. The most potent threat to your future isn't a lack of motivation; it's a lack of a financial safety net.
This guide is designed to illuminate that blind spot. We will explore the essential layers of financial protection that act as your ultimate safeguard. This isn't just about insurance; it's about empowerment. It's about giving yourself the freedom to grow, to pursue your purpose, and to live with confidence, knowing you have a robust plan for life's most challenging "what ifs."
The Unspoken Threat: Why Financial Vulnerability Derails Your Life's Ambitions
We are a nation of optimists, which is a wonderful trait. However, it can lead to a dangerous "it won't happen to me" mindset. The reality is that illness and accidents are indiscriminate. The financial consequences can be devastating, especially given the UK's significant "protection gap."
Consider these stark realities:
- The Sickness Absence Rate: According to the Office for National Statistics (ONS), an estimated 185.6 million working days were lost because of sickness or injury in 2022, the highest level in a decade.
- The Inadequacy of State Support: Statutory Sick Pay (SSP) in the UK stands at a mere £116.75 per week for up to 28 weeks (for the 2024/2025 tax year). For the vast majority of households, this amount barely scratches the surface of essential outgoings like mortgage payments, council tax, and food bills.
- The Savings Shortfall: A 2023 study by the Money and Pensions Service found that one in four UK adults have less than £100 in savings, and nearly half would be unable to last a month without borrowing money if they lost their main source of income.
A Real-Life Scenario: The Ambitious Professional
Imagine Sarah, a 35-year-old marketing director in Manchester. She's on a fast track in her career, saving for a larger home with her partner, and dedicated to her fitness regime. Suddenly, she's diagnosed with a neurological condition that prevents her from working for over a year.
Without personal protection, her reality shifts dramatically. Her focus is no longer on landing the next big client or planning a promotion. It's on meeting the next mortgage payment. Her savings dwindle rapidly. The pressure puts an immense strain on her relationship. The mental energy that was once channelled into growth is now consumed by financial anxiety.
This is the insidious nature of financial vulnerability. It doesn't just impact your bank balance; it hijacks your life's narrative, replacing ambition with anxiety and purpose with panic. True personal growth requires the mental and emotional space to thrive, a space that is impossible to maintain when your financial foundations are crumbling.
Income Protection: Your Monthly Salary's Bodyguard
If your ability to earn an income is your most valuable asset, then Income Protection (IP) is its most essential bodyguard. It is arguably the most crucial form of protection for any working adult.
What is Income Protection?
Income Protection is a long-term insurance policy designed to provide you with a regular, tax-free replacement income if you are unable to work due to any illness or injury. It continues to pay out until you can return to work, reach the end of the policy term (often your planned retirement age), or pass away, whichever comes first.
Who Needs It?
In short, anyone whose lifestyle depends on their monthly salary. This is especially critical for:
- The Self-Employed and Freelancers: You have no employer sick pay to fall back on. You are your entire support system.
- Company Directors: While your company might provide some support, a long-term absence can put significant strain on business finances.
- Employees with Limited Sick Pay: Many employer schemes only offer full pay for a few weeks or months. IP seamlessly takes over when your employer's support ends.
Key Features Explained:
- Benefit Amount: You can typically insure up to 50-70% of your gross annual income. This is to ensure you have an incentive to return to work. The income is paid tax-free.
- Deferred Period: This is the pre-agreed waiting period between when you stop working and when the policy starts paying out. It can range from one day to 52 weeks. The longer the deferred period you choose, the lower your monthly premium will be. A smart strategy is to align your deferred period with any employer sick pay you receive.
- The "Own Occupation" Definition: This is the gold standard of cover. An "own occupation" policy will pay out if you are unable to perform the specific duties of your own job. Other, less comprehensive definitions might only pay out if you are unable to do any job, which is a much harder threshold to meet.
Let's see how state support stacks up against a typical IP policy.
| Feature | Statutory Sick Pay (SSP) | Typical Income Protection Policy |
|---|---|---|
| Weekly Payout | £116.75 (2024/25) | Up to 70% of your gross salary |
| Payment Duration | Maximum 28 weeks | Until you return to work or retire |
| Reason for Payout | Sickness | Any illness or injury preventing work |
| Occupation Test | None | Can be tailored (e.g., 'Own Occupation') |
The difference is stark. SSP is a short-term safety net with a very low mesh; Income Protection is a long-term, robust financial fortress.
Family Income Benefit: A Lifeline for Your Loved Ones' Future
When we think of life insurance, we often picture a single, large lump sum payout. While this is perfect for some situations, like clearing a mortgage, it may not be the best solution for covering ongoing family expenses. This is where Family Income Benefit (FIB) offers an intelligent and often more affordable alternative.
What is Family Income Benefit?
Family Income Benefit is a type of life insurance that, instead of paying a single lump sum, provides a regular, tax-free monthly or annual income to your dependents if you pass away during the policy term.
You choose the amount of income your family would need and the length of the term – for example, until your youngest child is expected to finish university and become financially independent.
Why Choose a Regular Income Over a Lump Sum?
- Budgeting Made Simple: A sudden windfall of hundreds of thousands of pounds can be overwhelming for a grieving partner to manage. A regular income is far simpler, replacing your lost salary and allowing them to budget for bills, school fees, and daily life without the stress of complex financial planning.
- Directly Replaces a Salary: It mirrors the way a household's finances usually work, making the transition much smoother.
- Cost-Effective: Because the total potential payout decreases as the policy term progresses (e.g., if you pass away in year 19 of a 20-year policy, it only pays for one year), the premiums for FIB are often significantly lower than for an equivalent level term life insurance policy.
Who is FIB Ideal For?
FIB is a perfect solution for young families with ongoing financial commitments. It provides peace of mind that should the worst happen, the family's day-to-day lifestyle can be maintained, childcare costs can be met, and children's futures can be secured without financial upheaval.
Critical Illness Cover: The Financial First Aid for Life's Toughest Blows
While Income Protection shields your monthly earnings, Critical Illness Cover (CIC) is designed to provide a financial cushion for the immediate and often significant costs associated with a life-altering diagnosis.
The need for this cover is underscored by a sobering projection from Cancer Research UK: an estimated 1 in 2 people in the UK born after 1960 will be diagnosed with some form of cancer in their lifetime. While medical advancements mean survival rates are better than ever, recovery can be long, arduous, and expensive.
What is Critical Illness Cover?
CIC pays out a one-off, tax-free lump sum if you are diagnosed with one of a list of specified serious illnesses or medical conditions defined in the policy. It is often sold as a combined policy with life insurance, but can also be a standalone product.
How Can the Lump Sum Be Used?
The power of a CIC payout lies in its flexibility. It gives you options and control at a time when you feel you have none. The money could be used for:
- Clearing a mortgage or other debts, removing the single biggest financial burden.
- Funding private medical treatment or specialist therapies not available on the NHS.
- Making adaptations to your home, such as installing a ramp or a stairlift.
- Allowing your partner to take time off work to care for you without financial penalty.
- Replacing lost income during a period of recovery, providing a buffer to live on.
- Simply taking the pressure off, allowing you to focus 100% on your health and recovery.
Understanding the Conditions Covered
It is vital to understand that CIC policies do not cover every single illness. They cover a specific list of conditions, and each condition has a precise definition that must be met for a claim to be successful.
| Common Conditions Covered by CIC | Notes on Definitions |
|---|---|
| Cancer | Often excludes less advanced cases. |
| Heart Attack | Must be of a specified severity. |
| Stroke | Resulting in permanent symptoms. |
| Multiple Sclerosis | With persisting symptoms. |
| Major Organ Transplant | Covers the recipient. |
| Kidney Failure | Requiring permanent dialysis. |
The quality of a policy is determined by the number of conditions it covers and the fairness of its definitions. This is an area where the expert guidance of a broker is invaluable to help you compare the market and understand the small print.
Life Protection: The Ultimate Legacy of Security
Life Protection, often known as standard Life Insurance, is the cornerstone of financial planning for anyone with dependents. It is a promise to your loved ones that they will be financially secure, even if you are no longer there.
The Fundamentals of Life Protection
At its core, Life Protection is simple: you pay a monthly premium, and in return, the insurer pays out a lump sum to your chosen beneficiaries upon your death. This money can ensure a mortgage is paid off, future education is funded, and your family's standard of living is protected.
There are two primary types of cover:
| Type of Cover | How It Works | Best For |
|---|---|---|
| Term Life Insurance | Covers you for a fixed period (the 'term'), e.g., 25 years. It only pays out if you die within this term. It's typically used to cover a mortgage or the years until children are independent. | Providing a large amount of cover for a specific period at a lower cost. |
| Whole of Life Insurance | Covers you for your entire life. A payout is guaranteed whenever you die, as long as you have kept up with your premiums. | Leaving a guaranteed inheritance, covering funeral costs, or for Inheritance Tax (IHT) planning. |
A Sophisticated Tool: Gift Inter Vivos Insurance
For those concerned with estate planning, a specialised form of life insurance called a Gift Inter Vivos policy is essential. In the UK, if you gift a significant asset (like property or cash) and then pass away within seven years, that gift may still be subject to Inheritance Tax.
This type of policy is a decreasing term assurance plan designed specifically to cover that potential tax liability. It provides a lump sum that reduces over the seven-year period, mirroring the tapering relief offered by HMRC on IHT for gifts. It ensures your beneficiaries receive the full value of your gift, without an unexpected tax bill.
The Specialist's Shield: Why High-Risk Professions Need Tailored Cover
While office-based professionals face risks, those in physically demanding or high-risk jobs have a heightened need for specialised protection. Tradespeople like electricians, plumbers, and builders, as well as frontline workers like nurses, face a greater day-to-day risk of injury that could stop them from working.
Many in these professions are self-employed, meaning an injury doesn't just mean a sick day; it means zero income. Even those employed by the NHS or a construction firm may find their sick pay provisions are limited.
This is where Personal Sick Pay Insurance comes in. It's a specific type of income protection tailored for these exact scenarios.
- What is it? It’s a short-term income protection plan, often with a claims period limited to 1, 2, or 5 years per claim.
- Key Advantage: It allows for much shorter deferred periods. While a standard IP policy might have a minimum deferred period of 4 weeks, a Personal Sick Pay policy can have a waiting period as short as one day or one week. This is critical for self-employed individuals who feel the financial impact of not working almost immediately.
Example: The Self-Employed Plasterer
David, a self-employed plasterer, suffers a serious shoulder injury on a job. He can't work for three months. His standard outgoings are £2,000 a month. His Personal Sick Pay policy, which he took out with a 1-week deferred period, starts paying him £2,000 a month after that first week. This allows him to pay his bills, focus on his physiotherapy, and recover properly without the immense stress of having no money coming in.
Finding the right cover for higher-risk occupations requires specialist knowledge. At WeCovr, we have extensive experience helping tradespeople, medical professionals, and others in physically demanding roles to compare policies from insurers who understand their unique risks and offer appropriate, fairly-priced cover.
For the Business Visionaries: Protecting Your Enterprise
For company directors and business owners, personal financial protection is only half the story. The health and stability of your business is intrinsically linked to the health of its key people. Smart business protection is not a cost; it's an investment in continuity and resilience.
Key Person Insurance
Imagine your top salesperson, who brings in 40% of your revenue, is diagnosed with a critical illness and can't work for a year. How would your business cope? Key Person Insurance is the answer.
The business takes out and pays for a policy on a 'key' individual. If that person dies or suffers a specified critical illness, the policy pays a lump sum directly to the business. This money can be used to:
- Cover the recruitment and training of a replacement.
- Make up for lost profits during the disruption.
- Reassure lenders and investors that the business is stable.
- Clear business debts.
Executive Income Protection
This is a way for a limited company to provide high-quality income protection for its directors and valued employees in a highly tax-efficient manner.
The company pays the premiums, which are typically treated as an allowable business expense. If the director is unable to work, the policy pays out to the company, which then passes the funds on to the director via the payroll system. It’s a powerful way to attract and retain top talent while protecting the business's leaders.
Relevant Life Cover
For small businesses that don't have enough employees for a full group death-in-service scheme, Relevant Life Cover is a fantastic alternative. It's a company-paid life insurance policy for an individual employee or director. The premiums are a business expense, and the benefits are paid tax-free to the individual's family, outside of their pension lifetime allowance.
| Protection Type | Personal | Business (e.g., Executive IP) |
|---|---|---|
| Who Pays Premium? | The individual | The limited company |
| Tax Relief on Premium? | No (paid from net income) | Yes (allowable business expense) |
| Who Receives Benefit? | The individual (tax-free) | The company, then paid to individual |
| Primary Purpose | Protect personal lifestyle | Protect the business & individual |
Beyond the Financial Payout: The Added Value of Modern Protection
Today's insurance policies offer so much more than just a cheque. Insurers recognise that holistic support is key to recovery and well-being. When you take out a policy, you often gain access to a suite of valuable support services, usually at no extra cost.
These can include:
- 24/7 Virtual GP Services: Get medical advice and prescriptions from a UK-based GP via phone or video call, anytime.
- Mental Health Support: Access to counselling sessions, therapy, and support for conditions like stress, anxiety, and depression.
- Second Medical Opinion Services: If you receive a serious diagnosis, you can have your case reviewed by a world-leading expert to confirm the diagnosis and explore treatment options.
- Physiotherapy and Rehabilitation: Support to help you recover from an injury and get back to work faster.
Here at WeCovr, we believe in this holistic approach to well-being. It's why we don't just find you the most comprehensive policy with these excellent built-in benefits. We go a step further. We provide all our protection clients with complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app. We want to support your health and wellness goals every single day, not just at the point of a claim. It's part of our commitment to your long-term health and resilience.
Building Your Fortress: How to Create a Tailored Protection Strategy
Understanding these different products is the first step. The second is realising they are not mutually exclusive; they are designed to work together, forming layers of a comprehensive financial fortress.
A robust strategy often looks like this:
- The Foundation (Your Income): Income Protection is your base layer. It protects your most crucial asset—your ability to earn—against any illness or injury.
- The Emergency Fund (Major Crises): Critical Illness Cover acts as your immediate response fund. It provides a lump sum to deal with the financial shockwave of a serious diagnosis, giving you breathing room and options.
- The Legacy (Your Loved Ones): Life Protection or Family Income Benefit forms the outer wall, ensuring that if you are no longer around, your family is financially secure and can continue to live the life you planned for them.
- The Specialist Reinforcements (Your Unique Needs): Personal Sick Pay for high-risk jobs, or Business Protection for company directors, adds targeted strength where it's needed most.
Navigating these options and tailoring them to your budget and life stage can feel overwhelming. This is where working with an expert, independent broker like us at WeCovr makes all the difference. We take the time to conduct a full review of your personal, family, and business circumstances. We don't just sell a product; we help you build a strategy. We then search the entire UK market, comparing policies from leading insurers to find a blend of cover that provides robust, multi-layered protection that is right for you.
Your Proactive Steps to a Resilient 2025 and Beyond
The pursuit of self-improvement is a lifelong journey. Ensuring that journey isn't derailed by an unforeseen health crisis is one of the most profound acts of self-care you can undertake. It's about protecting your future self, your family, and your freedom to live a life of uninterrupted purpose.
Don't let financial vulnerability be your blind spot. Take these proactive steps today:
- Assess Your Current Reality: Use a budget planner to understand your exact monthly outgoings. What is the absolute minimum you need to survive?
- Review Your Existing Support: Check your employment contract. How much sick pay do you get, and for how long? Do you have any death-in-service benefits? Is it enough to clear your mortgage and support your family?
- Honestly Evaluate Your Risk: What is the biggest financial threat to you and your family right now? Is it a short-term injury, a long-term illness, or your death? Prioritise protecting against the most damaging outcome first.
- Seek Expert, No-Obligation Advice: A conversation with a protection specialist can clarify your options in minutes. They can provide quotes and show you just how affordable peace of mind can be.
Investing in protection insurance isn't an expense; it's an investment in your potential. It's the ultimate safeguard that allows you to confidently and relentlessly pursue growth, knowing that you've built a foundation strong enough to withstand life's toughest storms.
Frequently Asked Questions (FAQs)
Is protection insurance really expensive?
Will I need a medical exam to get cover?
What if I have a pre-existing medical condition?
Do insurers actually pay out claims?
I'm self-employed, can I really get cover?
How is Family Income Benefit different from normal Level Term Life Insurance?
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!