Life's Unseen Anchors: Future-Proofing Your Personal Growth
Beyond Budgets: Discover the Overlooked Financial Foundations That Don't Just Protect Your Wealth, But Actively Fuel Your Personal Development, Relationships, and True Freedom. As projected 2025 health data reveals the increasing inevitability of life's challenges – with experts like Macmillan Cancer Support continuing to highlight that nearly 1 in 2 people in the UK will face a cancer diagnosis in their lifetime – understanding how to proactively build financial fortitude is no longer optional. This deep dive uncovers how strategic protection products like Family Income Benefit, Income Protection, Life and Critical Illness Cover, specialized Personal Sick Pay for tradespeople, nurses, and electricians, and the often-misunderstood Gift Inter Vivos (lump sum on death), alongside the crucial role of Private Health Insurance, form the critical, yet often unseen, pillars that empower you to truly live, grow, and thrive, rather than just survive. Private Health Insurance, by providing swift access to diagnosis and treatment outside the NHS waitlists, complements these income-protective measures by getting you back on your feet faster, reducing mental strain, and allowing a quicker return to work and life goals. This isn't just about financial security; it's about building a blueprint for unwavering resilience and lifelong peace of mind, transforming vulnerability into an unstoppable force for positive personal change.
We meticulously plan our careers, our holidays, our fitness goals, and even our weekly meals. Yet, when it comes to planning for life's most profound challenges, a curious silence often descends. We build our financial houses with the bricks of savings and investments, but we frequently neglect the very foundations that prevent the entire structure from collapsing when the ground inevitably shakes.
This isn't a conversation about fear; it's a conversation about freedom. The freedom to pursue your ambitions without the nagging worry of 'what if?'. The freedom to nurture your relationships without the corrosive acid of financial stress. And the freedom to focus on personal growth, knowing you have unseen anchors holding you fast against any storm.
The Great Disconnect: Why We Plan for Sunshine but Ignore the Rain
There's a fundamental human bias at play. We are wired to focus on positive, tangible outcomes. A holiday to the Maldives is a vibrant, exciting prospect. A pension pot growing for retirement feels like a rewarding achievement. In contrast, contemplating illness, injury, or death feels abstract, negative, and distant.
The reality, however, is stark. Financial fragility is a widespread issue in the UK. A 2024 report from the Financial Conduct Authority (FCA) highlighted that millions of UK adults have low financial resilience, with little to no savings to weather a financial shock, such as a sudden loss of income.
Consider these common planning disparities:
- The Wedding vs. The Marriage: We can spend months and thousands of pounds planning a single wedding day, but often spend mere minutes discussing how the new family unit would cope financially if one partner's income disappeared.
- The New Car vs. The Driver: We insure a depreciating asset like a car without a second thought, yet the driver – the income-earning engine that pays for the car and everything else – often remains uninsured against long-term sickness.
- The Holiday Fund vs. The Recovery Fund: We diligently save for a two-week break but have no specific provision to cover months or even years of bills if a serious illness strikes.
This disconnect isn't a personal failing; it's a cultural blind spot. But rectifying it is one of the most powerful steps you can take towards genuine, lasting personal and financial wellbeing.
Beyond the Paycheque: The True Meaning of Financial Resilience
Financial resilience is more than just having a rainy-day fund. A pot of savings is crucial, but it's finite. How long would your savings really last if your income stopped tomorrow? For most, it's a matter of months, not years.
True financial resilience is a robust system designed to protect your most valuable asset: your ability to earn an income. It's a combination of shock absorbers and safety nets that work in concert to ensure that a health crisis does not become a financial catastrophe.
This is where the concept of protection insurance transforms from a grudge purchase into a strategic investment in your life's potential. When you know your mortgage will be paid, your family will be fed, and your lifestyle can be largely maintained even if you can't work, something remarkable happens:
- Mental Bandwidth is Freed Up: You're no longer wasting emotional energy on worst-case scenarios. That energy can be redirected towards your career, your passions, and your relationships.
- Calculated Risks Become Possible: Fancy a career change? Want to start your own business? The psychological barrier to taking these leaps is significantly lower when you know your core financial obligations are protected.
- Focus Shifts from Survival to Growth: During a health challenge, your sole focus can be on recovery, not on rushing back to work to pay the bills. This leads to better health outcomes and a more positive mindset.
These policies are life's unseen anchors. You don't notice them when the sea is calm, but when the storm hits, they are the only things stopping you from being cast adrift.
Deconstructing the Pillars of Protection: A Deep Dive into Your Options
The world of protection insurance can seem bewildering, filled with jargon and nuance. Let's break down the key components, explaining what they do, who they're for, and how they fit together to create a comprehensive shield.
Income Protection (IP): The Bedrock of Your Financial World
If you could only choose one policy, a strong argument could be made for Income Protection. It is the absolute foundation of any financial plan.
- What it is: A long-term insurance policy that pays out a regular, tax-free income if you are unable to work due to any illness or injury.
- How it works: It replaces a percentage of your gross salary (typically 50-70%) and pays out after a pre-agreed waiting period, known as the 'deferred period'. This period can be aligned with any sick pay you receive from your employer, from 4 weeks up to a year. The policy can pay out until you return to work, retire, or the policy term ends, whichever comes first.
- Who it's for: Everyone who earns an income. It is especially critical for the self-employed and freelancers who have no access to employer sick pay.
Income Protection: Key Features at a Glance
| Feature | Description | Key Consideration |
|---|---|---|
| Payout | A monthly, tax-free income. | Ensure the amount covers essential outgoings (mortgage, bills, food). |
| Deferred Period | The waiting time before payments start (e.g., 1, 3, 6, 12 months). | Match this to your employer sick pay and savings buffer. |
| Payment Term | How long the policy can pay out for (e.g., 2 years, 5 years, or until retirement). | A 'full term' policy offers the most comprehensive protection. |
| Definition of Incapacity | 'Own Occupation' is the best. It pays if you can't do your specific job. | Avoid lesser definitions like 'Suited Occupation' or 'Any Occupation'. |
Crucially, Income Protection covers the vast majority of illnesses and injuries that could stop you from working, from a severe back problem to stress and mental health conditions, which are now a leading cause of long-term absence in the UK.
Life and Critical Illness Cover (CIC): The Dual Shield
While Income Protection shields your monthly income, Life and Critical Illness Cover are designed to deal with the financial fallout of life's most severe events: death and serious illness.
- Life Insurance: This is perhaps the most well-known type of protection. It pays out a tax-free lump sum (or a regular income, see Family Income Benefit below) to your loved ones if you pass away during the policy term. This can be used to pay off a mortgage, cover funeral costs, and provide a financial legacy for your family's future.
- Critical Illness Cover (CIC): This pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious (but not necessarily fatal) illnesses. The 'big three' covered by almost all policies are cancer, heart attack, and stroke, but modern policies can cover 50+ conditions, and some even up to 150+.
The shocking statistic from Macmillan Cancer Support that nearly 1 in 2 people in the UK will get cancer in their lifetime underscores the relevance of CIC. A critical illness diagnosis brings immediate and often significant costs, from private treatment and home modifications to covering a partner's lost income while they care for you. A CIC payout provides the funds to manage these costs without liquidating assets or going into debt.
Life Insurance vs. Critical Illness Cover
| Aspect | Life Insurance | Critical Illness Cover |
|---|---|---|
| Trigger Event | Death or terminal illness diagnosis. | Diagnosis of a specified serious illness. |
| Purpose of Payout | Clear debts (mortgage), provide for dependents, cover funeral costs. | Cover medical bills, adapt home, replace lost income during recovery. |
| Recipient | Nominated beneficiaries (family, trust). | The policyholder. |
| Typical Pairing | Often taken out together as a combined policy for cost-effectiveness. | Can be a standalone policy or combined with Life Insurance. |
Family Income Benefit (FIB): A Kinder, Gentler Approach to Life Cover
A multi-million-pound lump sum from a life insurance policy can sound impressive, but for a grieving family, managing such a large amount can be overwhelming. Family Income Benefit offers a more manageable and often more budget-friendly alternative.
Instead of a single lump sum, FIB pays out a regular, tax-free monthly or annual income to your family from the point of claim until the policy's end date.
Example: Mark, 35, takes out a 25-year FIB policy to provide £3,000 a month. This is designed to see his youngest child through to financial independence.
- If Mark passes away 5 years into the policy, his family will receive £3,000 every month for the remaining 20 years.
- If he passes away 20 years into the policy, they will receive £3,000 every month for the remaining 5 years.
This structure mirrors a lost salary, making it far easier for the surviving partner to budget and manage household finances without the pressure of investing a large lump sum. It's an incredibly effective way to protect a young family's lifestyle.
Specialised Cover for Hands-On Professionals: Personal Sick Pay
If you're a tradesperson like an electrician or plumber, a nurse, a dentist, or a manual worker, your job carries different risks. A "standard" office-worker-focused Income Protection policy might have higher premiums or specific exclusions related to your work.
This is where more specialised 'Personal Sick Pay' or 'Accident & Sickness' policies come in. They are specifically designed for those in riskier professions.
- Key Advantage: They often feature shorter deferred periods (sometimes as short as one day or one week) and focus heavily on the physical aspects of your job.
- The 'Own Occupation' Test: For a surgeon or electrician, being unable to use your hands is catastrophic, even if you could technically perform another job. A robust 'own occupation' definition of incapacity is non-negotiable for these roles.
Why Specialised Cover Matters for Tradespeople & Nurses
| Profession | Common Risk | Why Standard IP Might Fall Short | How Specialised Cover Helps |
|---|---|---|---|
| Electrician | Hand injury, fall from height. | May have exclusions for working at height or higher premiums. | Tailored to manual work, understands specific risks. |
| Nurse | Back injury, stress, infection. | May not fully appreciate the physical and mental toll. | Shorter deferred periods are vital as sick pay can be limited. |
| Self-Employed Plumber | Knee or back problems. | No employer sick pay buffer; needs cover to kick in fast. | 'Day 1' or 'Week 1' cover options provide immediate support. |
Private Health Insurance (PHI): The Accelerator to Recovery
The other policies we've discussed are about financial substitution – replacing income or providing capital. Private Health Insurance is about remediation. It's the catalyst that gets you back on your feet, and back to your life, faster.
While the NHS is a national treasure, it is under undeniable pressure. As of early 2025, waiting lists for consultations and treatments remain at historically high levels. This is where PHI becomes an invaluable part of your resilience toolkit.
- Swift Diagnosis: Skip the lengthy wait for specialist consultations and diagnostic scans (like MRI or CT). Early diagnosis often leads to better treatment outcomes.
- Choice and Control: Choose your specialist and the hospital where you're treated, often with access to private rooms for a more comfortable recovery.
- Access to Treatments: Gain access to certain drugs or treatments that may not be available on the NHS due to funding decisions.
By complementing your Income Protection with PHI, you create a powerful synergy. The PHI helps to minimise the duration of your illness, while the IP ensures your finances remain stable during that period. This dual approach significantly reduces the overall mental, physical, and financial impact of a health crisis.
Gift Inter Vivos: The Smart Way to Manage Inheritance Tax
This is a more niche, yet crucial, product for those concerned with estate planning. In the UK, if you gift a significant asset (property, cash) and then pass away within seven years, that gift may be subject to Inheritance Tax (IHT).
A Gift Inter Vivos policy is a special type of life insurance policy designed to pay out a lump sum that covers this potential IHT liability. It ensures that the intended recipient of your gift receives it in full, without having to find the money for a sudden tax bill. It’s an essential tool for effective, forward-thinking estate planning.
The Entrepreneur's Armoury: Protection for Business Owners, Directors, and Freelancers
If you run your own business, you are the business. Your health and your company's health are inextricably linked. The standard personal protection policies are your first line of defence, but several business-specific solutions can provide a formidable corporate shield.
Navigating these options can be complex, but their value in ensuring business continuity is immense. Working with a specialist broker like us at WeCovr can help you identify which of these are essential for your specific business structure and goals.
Business Protection at a Glance
| Policy Type | Who It Protects | What It Does |
|---|---|---|
| Key Person Insurance | The business. | Provides a lump sum to the business if a key employee/director dies or suffers a critical illness, covering lost profits or recruitment costs. |
| Executive Income Protection | A director or key employee. | A policy paid for by the company to provide an income to the individual if they're off sick. It's a tax-deductible business expense. |
| Relevant Life Cover | A director or employee. | A tax-efficient 'death-in-service' benefit. The premiums are not treated as a P11D benefit, and the payout is typically paid into a trust, free of IHT. |
| Shareholder/Partnership Protection | The remaining business owners. | Provides the funds for the surviving owners to buy the shares of a deceased or critically ill partner, ensuring they retain control of the business. |
For freelancers and the self-employed, personal Income Protection isn't just a good idea; it's an absolute necessity. It is your sick pay, your safety net, and the bedrock upon which your business can be sustained through challenging times.
The Ripple Effect: How Financial Fortitude Fuels Personal Growth
Securing your financial foundations does more than just protect your bank balance. It creates powerful, positive ripples throughout every aspect of your life.
- Reduced Anxiety & Improved Mental Health: Financial worries are a primary driver of stress and anxiety. According to the Money and Pensions Service, millions of people in the UK feel that money worries have a negative impact on their mental health. Removing the existential threat of income loss lifts an enormous psychological burden.
- Stronger Relationships: Arguments about money are a leading cause of friction and breakdown in relationships. By having a clear, agreed-upon plan for financial shocks, you and your partner can face challenges as a team, strengthening your bond rather than straining it.
- Empowering Career Choices: Feel stuck in a job you dislike but are afraid to leave because of the mortgage? Income Protection can give you the confidence to retrain, take a temporary pay cut for a role with more potential, or even launch your own venture, knowing your essential bills are covered.
- True Freedom & Presence: The ultimate goal is to live a more present, intentional life. When you aren't haunted by financial 'what ifs', you can be more present with your children, more engaged in your hobbies, and more focused on your personal development. This is true freedom.
Building Your Blueprint for Resilience: A Practical Guide
Taking the first step can feel daunting, but it's simpler than you think. Follow this structured approach to build your personal resilience plan.
- Assess Your Reality: Get a clear picture of your finances. What are your essential monthly outgoings (mortgage/rent, utilities, food, council tax, debt repayments)? Who depends on your income? What debts would need to be cleared if you were no longer around?
- Identify the Gaps: Look at your safety nets. How much statutory sick pay would you get? How long would your employer pay you? How long would your savings last? The gap between what you have and what you'd need is what insurance is designed to fill.
- Prioritise Your Needs: You may not need every type of cover, or be able to afford it all at once. The hierarchy of needs usually starts with protecting your income.
- Foundation: Income Protection.
- Dependents & Debts: Life Insurance (Lump Sum or Family Income Benefit).
- Major Health Shocks: Critical Illness Cover.
- Accelerating Recovery: Private Health Insurance.
- Seek Expert Advice: The UK protection market is vast, with dozens of insurers offering policies with different features, definitions, and prices. This is not a place for guesswork. A specialist independent broker, like WeCovr, can be your most valuable ally. We compare the entire market, decipher the small print, and help you tailor a package that fits your unique circumstances and budget. An expert can ensure you get the vital 'own occupation' cover if you need it and help you place policies in trust to ensure they are paid out swiftly and tax-efficiently.
- Review and Adapt: Your protection needs are not static. A new baby, a bigger mortgage, a promotion, or starting a business are all life events that should trigger a review of your cover to ensure it's still fit for purpose.
Wellness & Proactive Health: The Other Side of the Coin
Insurance is the reactive shield; a healthy lifestyle is your proactive armour. The two work hand-in-hand. Insurers recognise this, often rewarding healthier applicants with lower premiums.
Small, consistent habits can have a profound impact on your long-term health, reducing your risk of developing the very conditions you're insuring against.
- Mindful Nutrition: Focus on a balanced diet rich in whole foods. Small changes, like reducing processed foods and tracking your intake, can lead to significant health benefits. As a WeCovr client, you get complimentary access to our AI-powered calorie tracking app, CalorieHero, to help you on this journey. We believe in supporting our clients' proactive health as well as their financial security.
- Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. It's as crucial for your health as diet and exercise, impacting everything from cognitive function to immune response.
- Stay Active: Find an activity you enjoy and make it a regular part of your life. The NHS recommends at least 150 minutes of moderate-intensity activity a week.
Taking care of your health is the single best investment you can make. It reduces your risk, potentially lowers your insurance premiums, and, most importantly, enhances your quality of life every single day.
Your Unstoppable Force for Positive Change
Thinking about life insurance, critical illness cover, and income protection might not feel as exciting as planning your next big adventure. But in reality, it's the most important preparation you can do.
These policies are not just financial instruments; they are enablers of a bigger, bolder, and more secure life. They are the unseen anchors that give you the stability and confidence to set sail towards your loftiest goals, safe in the knowledge that you are prepared for any weather. By transforming your financial vulnerability into a source of strength, you are not just planning for the worst; you are empowering yourself to live your absolute best.
Isn't Income Protection the same as sick pay from my employer?
Is Critical Illness Cover worth it if I have the NHS?
How much cover do I actually need?
Can I get cover if I have a pre-existing medical condition?
Why should I use a broker like WeCovr instead of going direct to an insurer?
1. **Whole-of-Market Access:** We compare policies and prices from all major UK insurers to find the most suitable and competitive cover for you. 2. **Expert Advice:** We understand the complex details, definitions, and clauses in policies, ensuring you get the right type of cover for your needs (e.g., 'own occupation' for Income Protection). 3. **Application and Trust Support:** We help you with the application process and can assist with the crucial step of writing your policy into trust, which can help ensure a faster, tax-efficient payout to your loved ones.
Related guides
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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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!