Resilience Code Unlocked
The Unseen Strategy: How Proactive Life Protection – From Income Security to Private Health Access – Isn't Just About a Safety Net, But About Unleashing Your Full Potential, Securing Your Loved Ones, and Future-Proofing Your Well-being Against 2025's Stark Health Realities.
We talk a lot about resilience. It’s the buzzword of our times, a quality we’re all encouraged to cultivate in our careers, our personal lives, and our mental health. We picture resilience as the ability to bounce back from adversity. But what if the most powerful form of resilience isn’t about bouncing back, but about building a foundation so strong that life's inevitable shocks barely knock you off course?
This is the unseen strategy. It’s the shift from a reactive mindset – waiting for a crisis – to a proactive one. It’s understanding that financial protection, far from being a dry, reluctant purchase, is actually a dynamic tool for empowerment. It is the key that unlocks your true potential by removing the deep-seated financial anxiety that holds so many of us back.
As we navigate the complexities of 2025, the landscape is shifting. The pressures on our NHS are undeniable, with waiting lists remaining a significant concern. Economic uncertainty continues to challenge household budgets, and the reality of long-term sickness impacting careers is more prevalent than ever. According to the Office for National Statistics (ONS), long-term sickness has become a primary driver of economic inactivity in the UK, with record numbers citing it as their reason for being out of work.
This isn't a forecast of doom; it's a call to action. It’s a call to build a personal resilience code. This guide will show you how a comprehensive approach to protection—spanning income security, critical illness cover, private medical access, and legacy planning—isn’t just a safety net. It’s the launchpad for a bolder, more secure, and fulfilling life for you and your loved ones.
Beyond the Parachute: Why Protection is Your Launchpad
For generations, insurance has been viewed as a 'grudge purchase' – a necessary evil you pay for, hoping you’ll never need it. It’s the financial parachute you pack, just in case of a catastrophic fall. But this mindset is fundamentally limiting. It frames protection in a language of fear and negativity.
Let's redefine it. Proactive protection is not about dwelling on what could go wrong; it’s about creating the freedom to make things go right.
Think about it. What would you do differently if you knew, with absolute certainty, that a sudden illness or injury wouldn't derail your family's financial future?
- Would you finally start that business? The fear of losing a steady paycheque is the number one reason many budding entrepreneurs never take the leap.
- Would you switch to a more fulfilling career, even if it meant a temporary pay cut or a period of retraining?
- Would you make investment decisions with more confidence, knowing your foundational expenses are secure?
- Would you simply sleep better at night? The psychological weight of financial 'what-ifs' is immense. Removing it frees up mental and emotional energy that you can reinvest into your career, your family, and your well-being.
This is the launchpad effect. A robust protection strategy provides the solid ground of financial security, giving you the confidence to aim higher and take the calculated risks that lead to growth and success. This is especially true for the architects of their own careers.
- For the Freelancer or Self-Employed Professional: Your income is directly tied to your ability to work. A comprehensive protection plan acts as your personalised sick pay and benefits package, giving you parity with your traditionally employed counterparts.
- For the Company Director: You bear responsibility not just for your own family, but for your employees and the health of your business. Strategic protection, such as Executive Income Protection and Key Person Insurance, fortifies your business against shocks, safeguarding your life's work.
By viewing protection through this lens, it transforms from an expense into an investment—an investment in peace of mind, ambition, and the unwavering security of your loved ones.
The Cornerstone of Resilience: Securing Your Income
Your ability to earn an income is your single most valuable asset. It underpins everything: your mortgage, your bills, your children's education, your future dreams. Yet, it's the one asset most people leave completely uninsured. If you couldn't work due to illness or injury, how long would your savings last? For most, the answer is frighteningly short.
This is where Income Protection (IP) insurance becomes the bedrock of your financial resilience.
What is Income Protection?
In simple terms, Income Protection is a policy that pays you a regular, tax-free monthly income if you are unable to work because of an illness or injury. This continues until you can return to work, retire, or the policy term ends—whichever comes first. It's designed to replace a significant portion of your lost earnings, allowing you to maintain your lifestyle and meet your financial commitments without stress.
The stark reality is that the state safety net is far smaller than most people assume.
| Support System | Typical Monthly Payout (Approx.) | Duration of Payout |
|---|---|---|
| Statutory Sick Pay (SSP) | £506 | Up to 28 weeks only |
| Typical Income Protection | £2,500 (based on 60% of £50k salary) | Until you recover, retire, or the policy ends |
As the table shows, relying on Statutory Sick Pay (£116.75 per week as of 2024/25) is not a viable long-term strategy. It's designed for short-term absences, not the debilitating illnesses or injuries that can keep you out of work for months or even years.
Tailored Income Security for Every Career
Income Protection isn't a one-size-fits-all product. It's a flexible tool that can be adapted to your unique circumstances.
For the Self-Employed, Freelancers, and Contractors
For the UK's 4.25 million self-employed individuals, the 'no work, no pay' reality is a constant source of underlying anxiety. There is no employer safety net, no sick pay, and no benefits package. Income Protection is not a luxury; it's a fundamental business continuity tool. It acts as your personal sick pay, ensuring that a health issue doesn't become a financial catastrophe that threatens both your household and your business.
For Tradespeople and Those in High-Risk Jobs
If you're an electrician, a plumber, a nurse, or a construction worker, your physical health is your livelihood. An injury that might be an inconvenience for an office worker could be career-ending for you. Specialised "Personal Sick Pay" policies, which are essentially a form of Income Protection, are designed with the specific risks of your job in mind, often with shorter deferred periods so the benefit kicks in faster.
For Company Directors: The Tax-Efficient Solution
As a director of your own limited company, you have a uniquely powerful option: Executive Income Protection. This policy is owned and paid for by your company. The key advantages are:
- Tax Efficiency: The premiums are typically treated as an allowable business expense, reducing your corporation tax bill.
- Higher Cover: It can often cover a larger percentage of your total remuneration (salary and dividends) than a personal plan.
- Benefit Payout: If you claim, the benefit is paid to the company, which then distributes it to you as income through the payroll, maintaining your financial integration with the business.
This is a strategic way to provide yourself with first-class protection while using your company's tax structure to your advantage.
Navigating the nuances between personal and executive plans can be complex. At WeCovr, we specialise in helping business owners and self-employed professionals analyse their unique situations to find the most efficient and effective income protection strategy from across the UK market.
Facing the Unthinkable: Critical Illness Cover in 2025
While Income Protection secures your monthly cash flow, Critical Illness Cover (CIC) provides a powerful financial injection precisely when you need it most. It’s designed to tackle the significant, one-off costs and financial disruptions that a serious medical diagnosis can bring.
How Does Critical Illness Cover Work?
CIC pays out a tax-free lump sum if you are diagnosed with one of the specific serious illnesses listed in your policy. Unlike income protection, the payout is not dependent on you being unable to work. You receive the money upon diagnosis, giving you immediate financial breathing room.
The "stark health realities" of 2025 make this cover more relevant than ever. Medical science is thankfully improving survival rates, but surviving a critical illness often comes with profound financial, emotional, and practical challenges.
- Cancer: Cancer Research UK statistics show that around 375,000 new cancer cases are diagnosed in the UK every year. That’s nearly 1,000 people every day.
- Heart Attack: The British Heart Foundation reports over 100,000 hospital admissions for heart attacks in the UK each year.
- Stroke: There are more than 100,000 strokes in the UK each year, with a quarter of them happening to people of working age.
More Than Just Survival: Funding Your Recovery
The lump sum from a CIC policy is yours to use as you see fit. It’s a versatile tool that empowers you to focus on what truly matters—your recovery. People use the payout for:
- Clearing a mortgage or other debts: Removing the single biggest financial burden from your shoulders.
- Funding private treatment: Accessing specialist consultations, treatments, or drugs not yet available on the NHS.
- Making home adaptations: Installing a ramp, a stairlift, or a wet room to accommodate new physical needs.
- Replacing lost income: Allowing you or your partner to take extended time off work to focus on recovery without financial penalty.
- A 'recuperation fund': Paying for anything that aids your recovery, from therapy and rehabilitation to a stress-free holiday once you're well enough.
| Typical Critical Illnesses Covered |
|---|
| Cancer (of specified severity) |
| Heart Attack |
| Stroke |
| Multiple Sclerosis (MS) |
| Kidney Failure |
| Major Organ Transplant |
| Motor Neurone Disease |
| Benign Brain Tumour |
| Blindness / Deafness |
| Paralysis of a Limb |
It’s crucial to understand that policies vary significantly in the conditions they cover and the definitions they use. This is where expert guidance is invaluable to ensure the policy you choose offers comprehensive and relevant protection for your needs.
The 'Health Access' Advantage: Beating the Queues with Private Medical Insurance
The founding principle of our National Health Service is incredible, and its staff are heroes. However, the system is under unprecedented strain. As of early 2025, the reality for many is a long and anxious wait for diagnosis and treatment. NHS England data consistently shows referral-to-treatment waiting lists involving millions of patients, with many waiting over 18 weeks, and a significant number waiting over a year for planned procedures.
This is where Private Medical Insurance (PMI) fits into the resilience code. It isn't a replacement for the NHS—which remains world-class for emergency and acute care—but a complementary tool that gives you control, choice, and speed when you need non-emergency treatment.
The PMI Difference: From Waiting to Wellness
The core benefit of PMI is bypassing the NHS queues for eligible conditions. This speed can have a profound impact on your health outcome, your career, and your mental well-being.
| Healthcare Journey Step | Standard NHS Pathway (Non-Urgent) | Typical PMI Pathway |
|---|---|---|
| GP Referral to Specialist | Weeks to months | Days to a week |
| Diagnostics (MRI/CT Scans) | Weeks to months | Days |
| Specialist to Treatment | Months to over a year | Weeks |
| Hospital Stay | Shared ward | Private, en-suite room |
| Choice of Consultant | Allocated based on availability | Your choice of leading specialist |
This acceleration is more than just a convenience.
- For your Health: Faster diagnosis can lead to better treatment outcomes, especially for progressive conditions.
- For your Career: A quick resolution to a health problem means less time off work, less disruption to your business, and a swifter return to full productivity.
- For your Peace of Mind: Avoiding the anxiety of a long, uncertain wait is a powerful benefit in itself.
The Added Benefits of Going Private
Beyond speed, PMI offers a suite of benefits that enhance your healthcare experience:
- Choice: You can choose the hospital and the consultant who will treat you, allowing you to select leading experts in their field.
- Comfort: A private en-suite room helps create a more restful and dignified environment for recovery.
- Access to Advanced Treatments: Some PMI policies provide access to breakthrough drugs or treatments that may not yet be approved by NICE for use on the NHS due to cost.
- Enhanced Mental Health Support: Many modern PMI plans include comprehensive cover for mental health, offering access to therapists and psychiatric care with minimal delay.
For a business owner or key executive, the ability to get back on your feet quickly is not just a personal benefit; it's a commercial necessity. PMI is an investment in continuity.
Building a Comprehensive Shield: How Your Protection Works Together
Income Protection, Critical Illness Cover, and Private Medical Insurance are powerful on their own. But when integrated, they form a near-impenetrable shield, protecting your health, wealth, and well-being from every angle.
Let’s revisit our case study of Sarah, a 40-year-old marketing consultant and director of her own limited company. She earns £80,000 a year and has a mortgage.
Scenario 1: Sarah has NO protection. Sarah is diagnosed with a serious form of breast cancer. She needs surgery and chemotherapy.
- Health: She faces a multi-month wait for her surgery on the NHS. The anxiety is debilitating.
- Income: She is unable to work for 9 months. With no sick pay, her income drops to zero. She quickly burns through her business and personal savings.
- Lifestyle: She has to make drastic cutbacks. She falls behind on her mortgage payments, and the stress severely impacts her recovery. Her business loses clients and momentum. The future looks precarious.
Scenario 2: Sarah has a PROACTIVE, integrated protection strategy. Sarah has Executive Income Protection, a £150,000 Critical Illness policy, and Private Medical Insurance.
- Health (PMI): Her PMI kicks in immediately. She sees a specialist within a week, has surgery in a private hospital two weeks later, and begins her treatment promptly in a comfortable setting. This speed and control dramatically reduce her anxiety.
- Finances (CIC): Upon diagnosis, her Critical Illness policy pays out a £150,000 tax-free lump sum. She uses this to pay off a large chunk of her mortgage, eliminating her biggest monthly outgoing. She sets aside the rest for any unexpected costs and to ease any future financial worries.
- Income (Executive IP): After a 3-month deferred period, her Executive Income Protection starts paying her company £4,000 a month. The company processes this as salary, allowing her to continue meeting her personal bills without touching her CIC payout or savings. Her business stays solvent.
In the second scenario, Sarah is empowered. The financial toxicity of her illness is removed, allowing her to channel all her energy into getting better. Her business is protected, and her long-term financial security is intact. This is the resilience code in action.
| Protection Type | Role in a Health Crisis | Key Benefit |
|---|---|---|
| Private Medical Insurance | Pays for your treatment | Speed & Choice: Fast access to the best care. |
| Critical Illness Cover | Pays you a lump sum | Capital: Clears debts and covers large, one-off costs. |
| Income Protection | Pays you a monthly income | Cash Flow: Replaces your salary to cover living expenses. |
Crafting this integrated strategy requires expertise. At WeCovr, we don't just sell policies; we act as your protection architects. We help you analyse your unique needs, from your personal finances to your business structure, to build a seamless, cost-effective plan from the UK's leading insurers. As a bonus, we believe in proactive health, which is why our clients get complimentary access to CalorieHero, our AI-powered nutrition app, to support their wellness journey every day.
Legacy & Long-Term Planning: Life Insurance and Beyond
While protecting yourself during your lifetime is crucial, true resilience extends to securing the future of those you love and the legacy you've built. This is where life insurance and specialised estate planning tools come into play.
Life Insurance: The Foundational Promise
The most well-known form of protection, Life Insurance, pays out a lump sum upon your death. Its purpose is simple but profound: to ensure that the people who depend on you are financially secure after you’re gone. This lump sum can be used to:
- Pay off the mortgage, ensuring your family keeps their home.
- Cover funeral expenses.
- Replace your lost income for a number of years.
- Provide a fund for your children’s university education.
- Clear outstanding personal or business loans.
Family Income Benefit: A Smarter Way to Protect
A traditional life insurance policy pays a large lump sum, which can be daunting for a grieving family to manage. Family Income Benefit is a clever alternative. Instead of a single payout, it provides a regular, tax-free monthly or annual income from the time of claim until the end of the policy term.
This often feels more manageable and more closely mirrors the monthly income you were providing, making budgeting and financial planning far simpler for your loved ones during a difficult time. It can also be a more cost-effective way to secure a high level of long-term protection.
For Business Owners: Protecting Your Life's Work
Your business is a significant part of your legacy. Key Person Insurance is a vital tool to protect it. This is a life insurance or critical illness policy taken out by the business on a crucial employee or director—the 'key person'. If that person dies or becomes critically ill, the policy pays out to the business. This cash injection can be used to:
- Recruit a replacement.
- Cover lost profits during the disruption.
- Reassure lenders and investors.
- Repay a director's loan.
It prevents a personal tragedy from becoming a corporate disaster.
Advanced Planning: Gift Inter Vivos and Inheritance Tax
For those with larger estates, proactive planning can save your beneficiaries hundreds of thousands of pounds in Inheritance Tax (IHT). One common strategy is to gift assets during your lifetime. However, under the Potentially Exempt Transfer (PET) rules, if you die within seven years of making the gift, it may still be subject to IHT.
Gift Inter Vivos Insurance is a specialised life insurance policy designed to solve this problem. It's a policy that runs for seven years, with the payout decreasing over time in line with the tapering IHT liability. It guarantees that if you pass away within the seven-year window, the funds are there to pay the tax bill, ensuring your gift reaches its intended recipient in full. It’s a sophisticated but brilliant tool for effective estate planning.
The Wellness Dividend: Proactive Steps to Bolster Your Resilience
Unlocking your resilience code isn't just about financial planning; it's also about actively investing in your health and well-being. A healthy lifestyle not only reduces your risk of needing to claim on your policies but also improves your quality of life today. Furthermore, many insurers now recognise and reward healthy living.
Simple Steps, Powerful Impact
- Nourish Your Body: A balanced diet rich in whole foods, fruits, and vegetables is foundational to good health. Staying hydrated and moderating alcohol and processed food intake can significantly lower your risk of conditions like heart disease, type 2 diabetes, and certain cancers. Tools like the CalorieHero app, which we provide to our WeCovr clients, make tracking nutrition and making healthier choices easier than ever.
- Prioritise Sleep: Sleep is not a luxury; it's a vital biological function. Consistently getting 7-9 hours of quality sleep per night strengthens your immune system, improves cognitive function, regulates mood, and is essential for cellular repair.
- Move Every Day: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This doesn't have to mean gruelling gym sessions. Brisk walking, cycling, swimming, or even vigorous gardening all count. Regular exercise is a proven defence against heart disease, stroke, and mental health issues.
- Manage Stress: Chronic stress is a silent enemy, contributing to a host of health problems. Incorporate stress-management techniques into your daily routine, whether it's mindfulness, meditation, yoga, or simply making time for hobbies you love.
Many modern insurers, such as Vitality and YuLife, have integrated wellness programmes into their policies, offering rewards like discounted gym memberships, cinema tickets, and even lower premiums for engaging in healthy activities. This creates a virtuous circle: you get healthier, and your protection becomes more affordable.
Your Blueprint for a Resilient Future
The world of 2025 presents a unique set of challenges—from economic pressures to a strained healthcare system. Waiting for a crisis to happen is no longer a viable strategy. The time to act is now, from a position of strength and foresight.
Proactive protection is the key to unlocking your resilience code. It is the conscious decision to build a financial and well-being fortress that not only shields you and your loved ones from adversity but also liberates you to pursue your ambitions with confidence.
- It’s Income Protection to ensure your cash flow never stops.
- It’s Critical Illness Cover to provide a capital shield against a life-changing diagnosis.
- It’s Private Medical Insurance to give you control and rapid access to the best healthcare.
- It’s Life Insurance and Estate Planning to secure your legacy.
Together, they are more than just insurance policies. They are your personal resilience strategy, your declaration that you are in control of your future.
Don't leave your potential, your family's security, and your peace of mind to chance. Take control of your narrative. A conversation with an expert adviser can illuminate the path, helping you build a tailored, affordable plan that fits your life perfectly. Unlock your resilience code today and build the future you and your family deserve.
I'm young and healthy, do I really need life protection now?
I'm self-employed. What is the single most important cover for me?
My employer provides a 'death in service' benefit. Is that enough?
What is the difference between Life Insurance and Critical Illness Cover?
Is it better to go direct to an insurer or use a broker like WeCovr?
Do I need to have a medical examination to get 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!