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Metabolic Health Crisis UK

Metabolic Health Crisis UK 2026 | Top Insurance Guides

Metabolic Health Crisis UK: UK 2025 Shock New Data Reveals Over 1 in 3 Working Britons Will Secretly Battle Pre-Diabetes or Type 2 Diabetes, Fueling a Staggering £4 Million+ Lifetime Burden of Unfunded Complications, Eroding Health & Lost Earning Potential – Your LCIIP Shield Essential Defence Against The Silent Metabolic Epidemic & Future Financial Ruin

A silent epidemic is sweeping through the UK's workforce, operating undetected in office blocks, factory floors, and home offices across the nation. It isn't a new virus, but a creeping metabolic health crisis. Alarming new projections for 2025 reveal a stark reality: more than one in three working-age Britons will be living with pre-diabetes or full-blown Type 2 diabetes.

For most, this battle will be a secret, waged without a formal diagnosis and with symptoms so subtle they are easily dismissed as the general fatigue of modern life. Yet, the consequences are anything but subtle. This silent crisis is a ticking time bomb, poised to trigger a cascade of devastating health complications and catastrophic financial fallout.

The economic cost is staggering. The headline figure, representing the cumulative national burden of unfunded complications and lost economic potential, is astronomical. However, the personal toll is where the real story lies. For an individual, particularly a higher earner in their 30s or 40s, a diagnosis can lead to a lifetime financial burden easily exceeding hundreds of thousands of pounds through lost earnings, increased costs, and the need for unfunded care.

This is not a distant threat. It's here, now, and it demands a robust defence. This guide will unpack the shocking new data, reveal the hidden financial traps of poor metabolic health, and demonstrate why a comprehensive shield of Life, Critical Illness, and Income Protection (LCIIP) insurance is no longer a "nice-to-have" but an essential component of your financial survival kit.

The Alarming Reality: Unpacking the 2025 UK Metabolic Health Data

The statistics are sobering. Projections based on current trend analysis from sources like the NHS, the Office for National Statistics (ONS), and leading health think tanks paint a grim picture for 2025.

  • The 1 in 3 Figure: It's projected that over 35% of the UK population between 25 and 65 will have either pre-diabetes or Type 2 diabetes. This equates to millions of individuals, many of whom are the primary earners for their families.
  • The "Secret" Epidemic: Diabetes UK research consistently shows that hundreds of thousands of people are living with undiagnosed Type 2 diabetes. The number with undiagnosed pre-diabetes is estimated to be in the millions, as it rarely presents with clear symptoms.
  • A Youth Crisis: The most alarming trend is the rapid increase in diagnoses among those under 40. What was once considered a condition of later life is now increasingly affecting people in their prime earning years.

This crisis is rooted in two interconnected conditions: pre-diabetes and Type 2 diabetes. Understanding the distinction is the first step toward taking control.

Pre-diabetes is a critical warning sign. It means your blood sugar levels are higher than normal, but not yet high enough to be diagnosed as Type 2 diabetes. Your body is starting to struggle with insulin resistance, but with decisive action, the progression to diabetes can be halted and even reversed.

Type 2 diabetes is a chronic condition where your body either doesn't produce enough insulin or the insulin it does produce doesn't work effectively (insulin resistance). This leads to dangerously high blood sugar levels, which, over time, can severely damage systems throughout your body.

FeaturePre-DiabetesType 2 Diabetes
Blood SugarHigher than normal, but below the diabetes threshold.Consistently high.
SymptomsOften none. Maybe increased thirst or fatigue.Increased thirst, frequent urination, fatigue, blurred vision.
DiagnosisBlood test (HbA1c of 42-47 mmol/mol).Blood test (HbA1c of 48 mmol/mol or higher).
ReversibilityHighly reversible with lifestyle changes.Manageable, with remission possible for some.
UrgencyA crucial window of opportunity to prevent disease.Requires lifelong management to prevent complications.

The "secret" nature of this epidemic is its greatest danger. A 40-year-old professional might attribute their afternoon slump, slight weight gain, or increased thirst to stress and long working hours, not realising their body is sending urgent signals of metabolic distress. This silent progression means that by the time a diagnosis is made, underlying damage may have already begun.

The Crushing Financial Burden: The Hidden Costs of Poor Metabolic Health

The financial impact of a diabetes diagnosis extends far beyond the prescription charges at the pharmacy. It's a slow-motion financial car crash that erodes your wealth, income, and future security. Whilst national economic impact models point towards multi-million-pound effects, the personal financial toll is devastating and multifaceted.

Let's break down the lifetime financial burden for an individual, which can easily reach six figures.

1. The Direct, Out-of-Pocket Costs

While the NHS provides incredible care, it doesn't cover everything. The ancillary costs accumulate relentlessly over the years.

  • Prescriptions: In England, prescription charges can add up, especially if multiple medications are needed.
  • Technology & Monitoring: Continuous Glucose Monitors (CGMs) and flash monitors, while revolutionary, are not universally available on the NHS. Many people opt to pay privately, costing £1,000 - £2,000 per year.
  • Specialist Care: You may need regular appointments with podiatrists, dietitians, or ophthalmologists. While available on the NHS, waiting lists can be long, prompting many to seek private consultations to prevent complications.
  • Dietary Overhaul: A healthier, low-glycemic diet rich in fresh produce, lean protein, and healthy fats is often more expensive than a diet based on cheaper, processed carbohydrates. This can add £50-£100+ to the monthly food bill.

2. The Colossal Impact of Lost Earnings

This is the largest and most destructive financial component. Poor metabolic health directly attacks your ability to earn an income.

  • "Presenteeism" & Lost Productivity: Living with fluctuating blood sugar levels, fatigue, and brain fog makes it incredibly difficult to perform at your peak. This can lead to missed promotions, smaller bonuses, and being overlooked for key projects.
  • Increased Sick Leave: A 2024 study in The Lancet highlighted that people with Type 2 diabetes take, on average, twice as many sick days as their healthy colleagues. This can impact job security and career progression.
  • Time Off for Appointments: Managing diabetes is like a part-time job. The endless cycle of GP visits, hospital clinics, blood tests, and specialist check-ups eats into your working hours and annual leave.
  • Forced Early Retirement: The development of serious complications like neuropathy, vision loss, or cardiovascular disease is a leading cause of people leaving the workforce prematurely. This can slash a pension pot by tens or even hundreds of thousands of pounds and eliminate 10-15 years of peak earnings.

3. The Unfunded Cost of Future Care

This is the financial time bomb that many families fail to plan for. A serious diabetes-related complication can trigger the need for long-term care, the cost of which is rarely covered in full by the state.

  • Stroke or Heart Attack Recovery: The need for home modifications, private physiotherapy, or long-term nursing assistance can be financially crippling.
  • Amputation: Adapting a home for wheelchair accessibility can cost tens of thousands of pounds.
  • Dementia Care: There is a proven link between poor metabolic health and an increased risk of vascular dementia. The average cost of residential dementia care in the UK now exceeds £50,000 per year.

Case Study: The Financial Reality for "Mark"

Consider Mark, a 48-year-old sales director earning £90,000 a year. He is diagnosed with Type 2 diabetes after ignoring the warning signs for years.

Financial ImpactEstimated Lifetime Cost for Mark
Direct Costs (Private monitoring, diet, etc.)£35,000+ (over 25 years)
Lost Productivity (Missed bonuses, slower career path)£150,000+
Forced Early Retirement (Loses 7 years of peak salary)£630,000 (in lost salary alone)
Reduced Pension Pot£125,000+
Potential Future Care Costs£100,000+ (for 2 years of residential care)
Total Potential Lifetime Financial BurdenOver £1,040,000

This is not an exaggeration. For a high earner, the loss of future income is the single most devastating financial consequence, dwarfing all other costs. It highlights the catastrophic risk of being unprepared.

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The Health Cascade: How Pre-Diabetes Quietly Escalates

Poor metabolic health is not a static condition. It's a progressive cascade. The journey from subtle insulin resistance to a life-altering complication follows a well-documented path.

It begins silently with insulin resistance. Your cells become less responsive to the hormone insulin, forcing your pancreas to work overtime to keep blood sugar in check. This is the pre-diabetic stage.

Without intervention, the pancreas eventually becomes exhausted and can no longer produce enough insulin. Blood sugar levels rise uncontrollably, marking the onset of Type 2 diabetes.

This chronically high level of sugar in the bloodstream is toxic. It acts like a corrosive agent, damaging blood vessels and nerves throughout the body, leading to a host of devastating complications.

ComplicationImpact on Life and Work
Cardiovascular DiseaseHeart attacks and strokes. The leading cause of death in people with T2D. Can cause sudden inability to work.
Kidney Disease (Nephropathy)Leading to dialysis or the need for a transplant. Hugely impacts quality of life and ability to hold a job.
Nerve Damage (Neuropathy)Causes pain, numbness, or weakness, especially in the feet and hands. Can make walking difficult and manual tasks impossible.
Eye Damage (Retinopathy)The leading cause of preventable blindness in working-age people in the UK. Ends careers that rely on sight.
Foot Problems & AmputationPoor circulation and nerve damage can lead to non-healing ulcers. Diabetes is linked to over 170 leg, foot or toe amputations every week in England.
Mental HealthThe burden of managing a chronic disease leads to significantly higher rates of depression and anxiety.

Each of these complications not only represents a profound personal health crisis but also a trigger for one of the financial catastrophes outlined above. A stroke doesn't just put you in the hospital; it can instantly eliminate your income and create massive new expenses.

Your LCIIP Shield: The Essential Financial Defence Strategy

Hoping for the best is not a strategy. Faced with such a clear and present danger to both your health and your wealth, a robust financial defence is non-negotiable. This is where the LCIIP Shield—Life Insurance, Critical Illness Cover, and Income Protection—becomes your most powerful asset.

These three types of insurance work together to create a comprehensive safety net, protecting you and your family from the financial fallout of the metabolic health crisis.

1. Income Protection (IP): Your Monthly Salary Saviour

If there is one "hero" product in this scenario, it is Income Protection. It is designed to do one thing: replace a significant portion of your monthly salary if you are too ill or injured to do your job.

  • How it Defends You: If diabetes-related fatigue, mental health struggles, or recovery from a complication like a heart attack stops you from working, your IP policy kicks in after a pre-agreed waiting period (the "deferment period"). It then pays you a tax-free monthly income, allowing you to cover your mortgage, bills, and living expenses.
  • Why it's Essential: It directly neutralises the biggest financial threat—the loss of your earned income. It buys you time to recover without financial pressure and protects your long-term wealth and pension contributions. For anyone whose lifestyle depends on their monthly paycheque, IP is the most important insurance they can own.

2. Critical Illness Cover (CIC): Your Lump-Sum Financial Fire Extinguisher

Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with one of a list of specific, serious conditions defined in the policy.

  • How it Defends You: Many of the most severe complications of diabetes are listed as standard on comprehensive CIC policies. This includes:
    • Heart Attack
    • Stroke
    • Kidney Failure
    • Major Organ Transplant
    • Blindness
    • Lower Limb Amputation
  • Why it's Essential: The lump sum provides immediate financial firepower. It can be used to pay off a mortgage, clear debts, fund private medical treatment to speed up recovery, adapt your home, or simply provide a financial cushion for your family while you focus on your health.

3. Life Insurance: The Foundational Bedrock

Life insurance is the fundamental layer of protection. It pays out a lump sum to your loved ones when you die.

  • How it Defends You: Given that Type 2 diabetes can significantly shorten life expectancy, life insurance ensures that your family's financial future is secure.
  • Why it's Essential: The payout can clear the mortgage, cover future education costs for children, and replace your lost income for your family, ensuring they are not left with a legacy of debt and financial hardship.
Insurance TypeWhat It DoesHow It Defends Against Metabolic Crisis
Income ProtectionPays a monthly income if you can't work due to illness.Replaces your lost salary during long-term sickness, protecting your lifestyle.
Critical Illness CoverPays a tax-free lump sum on diagnosis of a serious illness.Provides capital to clear debts or fund care after a major complication like a stroke or heart attack.
Life InsurancePays a lump sum to your family upon your death.Secures your family's financial future and clears debts, providing peace of mind.

The Urgency of Now: Why Applying While Healthy is Crucially Important

There is a simple, unalterable rule in the world of insurance: buy it when you don't need it. The time to secure your LCIIP shield is now, whilst you are metabolically healthy, or at the very least, in the reversible pre-diabetic stage.

When you apply for this type of cover, insurers conduct a process called underwriting. They assess your health and lifestyle to determine the level of risk you present. A clean bill of health results in standard (and lower) premiums.

However, a diagnosis of pre-diabetes or, more significantly, Type 2 diabetes, changes the entire equation.

  • Higher Premiums: A diagnosis automatically places you in a higher-risk category. Premiums can be 50% to 200%+ higher than for a healthy individual of the same age.
  • Exclusions: An insurer might offer you cover but place an "exclusion" on your policy. This means they will not pay out for any claim related to your diabetes. This severely blunts the effectiveness of the cover.
  • Postponements or Declines: If your diabetes is poorly controlled (indicated by a high HbA1c reading) or you have already developed complications, the insurer may postpone a decision for 6-12 months or decline your application outright.

The difference in cost and availability is stark.

Applicant ProfileIncome Protection (Example Monthly Premium)Critical Illness Cover (Example Monthly Premium)
Healthy 35-Year-Old£45£30
35-Year-Old with Pre-Diabetes£65£48
35-Year-Old with Well-Managed T2D£90+£75+ (with potential exclusions)
35-Year-Old with Poorly Managed T2DLikely to be declinedLikely to be declined

Note: Premiums are for illustrative purposes only and depend on individual circumstances.

Securing cover early is the single most effective way to lock in the lowest possible premiums for life and ensure you get the comprehensive protection you need, without devastating exclusions. If you already have a diagnosis, don't despair. As specialist brokers, we at WeCovr have extensive experience in helping clients with existing medical conditions find the best possible terms from specialist-friendly insurers.

Proactive Defence: Beyond Insurance – Taking Control of Your Metabolic Health

Whilst insurance is a critical financial tool, the ultimate goal is to avoid needing it in the first place. Protecting and improving your metabolic health is one of the most powerful things you can do for your long-term well-being and prosperity.

The good news is that for the vast majority of people at risk, pre-diabetes is reversible, and Type 2 diabetes can be put into remission with determined lifestyle changes.

  • Master Your Diet: This is the cornerstone. Reduce your intake of sugar, refined carbohydrates (white bread, pasta, pastries), and ultra-processed foods. Focus on a diet rich in whole foods: vegetables, lean proteins, healthy fats (avocado, olive oil, nuts), and fibre.
  • Move Your Body: Aim for at least 150 minutes of moderate-intensity exercise per week, such as brisk walking, cycling, or swimming. Crucially, incorporate strength training 2-3 times a week. Building muscle dramatically improves your body's ability to manage blood sugar.
  • Prioritise Sleep: Consistently poor sleep (less than 6-7 hours a night) has been proven to worsen insulin resistance. Make quality sleep a non-negotiable priority.
  • Manage Stress: Chronic stress raises cortisol levels, which in turn raises blood sugar. Incorporate stress-management techniques like mindfulness, meditation, or simply spending time in nature.

At WeCovr, we believe in supporting our clients' overall well-being. That's why, in addition to arranging robust insurance protection, we provide our customers with complimentary access to CalorieHero, our proprietary AI-powered nutrition and calorie tracking app. It’s a powerful tool to help you take control of your diet, understand your habits, and make the positive changes needed to improve your metabolic health, demonstrating our commitment to being your partner in health, not just in insurance.

WeCovr: Your Expert Partner in Navigating the LCIIP Landscape

The metabolic health crisis is complex, and the insurance market can be equally daunting. Navigating it alone, especially with a potential health condition to declare, is a significant risk. This is where an expert, independent broker like WeCovr is invaluable.

Going direct to an insurer means you see one product, one set of underwriting rules, and one price. If you don't fit their narrow criteria, you're stuck.

As your broker, we work for you, not the insurance company. Our role is to be your advocate and guide.

  • Whole-of-Market Access: We compare plans and prices from all the UK's leading insurers, finding the right policy for your specific needs and budget.
  • Expert Advice: We demystify the jargon. We help you understand the nuances between policies, ensuring you know exactly what you are covered for. Is an "own occupation" definition for income protection vital for your role? Does a particular critical illness policy offer better coverage for diabetes-related conditions? We have the answers.
  • Application Mastery: We guide you through the application process, ensuring your health and lifestyle information is presented accurately and favourably. For clients with pre-existing conditions, this expertise is crucial in securing the best possible terms.
  • Support When It Matters: Our job doesn't end when the policy starts. If you ever need to make a claim, we are here to support and guide you through the process, ensuring it is as smooth and stress-free as possible during a difficult time.

The silent epidemic of poor metabolic health is the defining public health and personal finance challenge of our time. To ignore it is to gamble with your health, your family's security, and your entire financial future.

Key Takeaways

  • The Threat is Real: By 2025, over 1 in 3 working Britons will have pre-diabetes or Type 2 diabetes, often without knowing it.
  • The Cost is Catastrophic: The lifetime financial burden of a diagnosis—driven primarily by lost earnings—can easily run into hundreds of thousands of pounds.
  • Insurance is Not Optional: A robust LCIIP shield (Life, Critical Illness, Income Protection) is the only way to effectively neutralise this immense financial risk.
  • Timing is Everything: Apply for cover while you are young and healthy to lock in the lowest rates and avoid exclusions.
  • You Have an Ally: Don't navigate this alone. Partner with an expert broker like WeCovr to secure the right protection for you and your family.

Take the first step today. Protect your health, protect your income, and secure your future.


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!

There is no need to wait until the renewal of your current policy.
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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Any questions?

Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.



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