Resilience Revolution: Future-Proofing Growth
The Resilience Revolution: How to Future-Proof Your Personal Growth in 2025
As alarming statistics like 1 in 2 lifetime cancer diagnoses reshape our health landscape, true self-development demands an unshakeable foundation. Discover how strategic protection – from Family Income Benefit and robust Income Protection to Life and Critical Illness Cover – empowers you to thrive, not just survive. Learn how bespoke Personal Sick Pay shields the vital careers of tradespeople, nurses, and electricians, while comprehensive Life Protection and astute Gift Inter Vivos strategies secure your legacy. Uncover how private health insurance offers direct access to expedited care, transforming potential life shocks into stepping stones for continuous growth and an undeniably empowered existence.
In our relentless pursuit of growth, we meticulously plan our careers, hone new skills, and optimise our well-being. We read the books, listen to the podcasts, and invest in courses, all in the name of self-development. Yet, in this intricate architecture of ambition, we often overlook the most critical component: the foundation. What happens to our carefully laid plans when life delivers an unexpected shock?
This is where the Resilience Revolution begins. It’s a paradigm shift in how we view personal growth. It’s the understanding that true, sustainable progress isn’t built on hope alone, but on a bedrock of robust, strategic protection. In a world where a critical illness diagnosis is no longer a remote possibility but a statistical probability, building resilience is not just a sensible precaution; it is the ultimate act of self-empowerment.
This guide will illuminate the path to building that unshakeable foundation. We will explore how a comprehensive portfolio of protection, tailored to your unique life, doesn't just shield you from the worst; it liberates you to pursue the best, creating a future where you are empowered to thrive, no matter what comes your way.
The Modern Dilemma: Growth Without a Safety Net
We live in an era of unprecedented focus on personal and professional advancement. The "hustle culture" narrative encourages us to continuously push our boundaries. Yet, this forward momentum is often precariously balanced. A sudden illness or serious injury can bring everything to a grinding halt, not just derailing our ambitions but threatening our very financial stability.
The reality for many in the UK is that their financial safety net is far smaller than they imagine. Consider the state of sick pay:
- Statutory Sick Pay (SSP): For 2024/2025, the SSP rate is a mere £116.75 per week, payable for up to 28 weeks. For the vast majority of households, this amount barely scratches the surface of essential monthly outgoings like mortgages, rent, utilities, and food.
- The Self-Employed Gap: The UK's dynamic workforce includes over 4.2 million self-employed individuals, according to the Office for National Statistics. For this vital segment of the economy, there is no SSP. Zero. An inability to work means an immediate cessation of income.
- Savings Under Strain: While having an emergency fund is wise, it's rarely enough to cover a prolonged period off work. The Money and Pensions Service reports that one in four UK adults have less than £100 in savings. Even for those with more substantial funds, a serious illness can deplete a lifetime of savings with alarming speed.
The consequences extend far beyond the bank balance. The mental toll of facing a health crisis compounded by financial anxiety can be debilitating. Stress about paying the bills can impede recovery, create friction in relationships, and transform a temporary setback into a long-term crisis. The dream of personal growth is replaced by the nightmare of survival. This is the fragile reality the Resilience Revolution seeks to change.
Building Your Foundation: The Pillars of Financial Resilience
True resilience is not about avoiding life's challenges—it's about having the right structures in place to withstand them. In financial terms, this means building a portfolio of protection that acts as a comprehensive shield for you and your loved ones. These are not just insurance policies; they are the fundamental pillars that support your life's ambitions.
Income Protection: Your Monthly Salary's Bodyguard
If your ability to earn an income is your most valuable asset, then Income Protection is its dedicated bodyguard. It is arguably the most crucial form of cover for any working adult.
What is it? Income Protection insurance pays out a regular, tax-free monthly income if you are unable to work due to any illness or injury. It’s designed to replace a significant portion of your lost earnings, allowing you to maintain your lifestyle and meet your financial commitments while you focus on recovery.
Who needs it? In short, anyone whose lifestyle depends on their monthly paycheque. This is especially critical for:
- The self-employed and freelancers with no access to sick pay.
- Employees with limited or no company sick pay beyond SSP.
- Anyone with significant financial dependents or commitments like a mortgage.
Key features to understand:
- Deferment Period: This is the pre-agreed waiting period between when you stop working and when the policy starts paying out. It can range from one day to 12 months. Aligning this with your employer's sick pay period or your savings buffer is a smart way to manage premium costs.
- Level of Cover: You can typically cover 50-70% of your gross annual income. This is designed to replace your take-home pay without disincentivising a return to work.
- Definition of Incapacity: This is crucial. An 'Own Occupation' policy is the gold standard. It pays out if you are unable to do your specific job. Other definitions, like 'Suited Occupation' or 'Any Occupation', are more restrictive and may not pay out if you could technically do a different, perhaps lower-paying, job.
Real-Life Example: Sarah is a 35-year-old self-employed marketing consultant earning £50,000 a year. She develops a serious back condition that prevents her from sitting at a desk for long periods. Her Income Protection policy, with a four-week deferment period and an 'Own Occupation' definition, kicks in. It pays her £2,500 per month, tax-free. This income covers her mortgage, bills, and living expenses, removing financial stress and allowing her to focus on physiotherapy and recovery without jeopardising her business or her home.
Critical Illness Cover: A Lump Sum When You Need It Most
While Income Protection shields your monthly cash flow, Critical Illness Cover provides a powerful, immediate financial intervention at the point of diagnosis.
What is it? This policy pays out a single, tax-free lump sum if you are diagnosed with one of a list of predefined serious illnesses. The 'big three'—cancer, heart attack, and stroke—are always covered, but modern policies often cover 50+ conditions, including multiple sclerosis, motor neurone disease, and major organ failure.
How it differs from Income Protection: It's a lump sum, not a monthly income. They are not mutually exclusive; they serve very different but complementary purposes. Many people choose to hold both.
How it empowers you: A critical illness diagnosis is about more than just lost income. The lump sum can be used for anything, providing total flexibility at a time of immense stress. Common uses include:
- Paying off a mortgage or other large debts instantly.
- Funding private medical treatment or specialist care.
- Making adaptations to your home (e.g., wheelchair access).
- Allowing a spouse or partner to take unpaid leave from work to act as a caregiver.
- Simply providing a financial cushion to remove all money worries during a difficult time.
With statistics from Cancer Research UK indicating that 1 in 2 people in the UK will be diagnosed with cancer in their lifetime, the value of this cover has never been more apparent.
Real-Life Example: Mark, a 45-year-old father of two, suffers a major heart attack. His Critical Illness policy pays out £150,000. He uses the funds to clear the remaining balance on his family's mortgage. This single act removes their largest monthly outgoing, drastically reducing financial pressure. It allows his wife to reduce her working hours to support his rehabilitation and gives Mark the peace of mind to focus completely on his health, knowing his family's home is secure.
Life Insurance: Securing Your Legacy
Life insurance is the ultimate expression of care for those you leave behind. It ensures that even in your absence, your family's financial future is protected.
What is it? A policy that pays out upon the policyholder's death during the term of the plan. The payout can be a lump sum or a regular income, depending on the type of cover chosen.
Who needs it? Anyone whose death would cause financial hardship for someone else. This includes people with:
- A spouse or partner.
- Dependent children.
- A mortgage or other significant debts.
- Business partners who would be affected by their death.
There are several key types to suit different needs:
| Type of Life Insurance | How It Works | Best For |
|---|---|---|
| Level Term Assurance | The payout amount (sum assured) remains fixed throughout the policy term. | Covering an interest-only mortgage, providing a specific inheritance amount, or leaving a lump sum for family living costs. |
| Decreasing Term Assurance | The payout amount decreases over the policy term, typically in line with a repayment mortgage. | Covering a repayment mortgage, as it's a cost-effective way to ensure the debt is cleared. |
| Family Income Benefit | Pays a regular, tax-free monthly or annual income for the remainder of the policy term, rather than a single lump sum. | Providing a replacement for the deceased's lost salary, making it easier for the surviving partner to manage family budgets. Often more affordable than lump sum cover. |
Thinking about our mortality is never comfortable, but planning for it is a profound act of responsibility. It provides a guarantee that your loved ones can continue to live in the family home, that your children's education is secure, and that they have the financial space to grieve without immediate money worries.
Specialist Protection for a Modern Workforce
The "job for life" is a relic of the past. The UK's modern economy is powered by a diverse mix of skilled tradespeople, flexible freelancers, and dynamic business owners. Standard-issue protection doesn't always fit these non-standard careers. This is where specialist cover comes in.
Personal Sick Pay: Essential Cover for Hands-On Professionals
For many, their body is their business. Tradespeople like electricians, plumbers, and builders, as well as healthcare professionals like nurses and physiotherapists, rely on their physical fitness to earn a living. An injury that might be an inconvenience for an office worker can be a financial catastrophe for them.
What is it? Personal Sick Pay (sometimes called Accident, Sickness & Unemployment cover) is a type of short-term income protection. It's specifically designed for those in manual or higher-risk jobs.
Why it's crucial:
- Higher Risk: These professions carry a greater inherent risk of physical injury.
- Immediate Impact: An inability to perform physical tasks means an immediate stop to earning.
- Affordability: Because the claim period is typically limited to 12 or 24 months, premiums are often more affordable than full, long-term Income Protection.
This cover bridges the critical gap between injury and a return to work, preventing a sprained ankle or a broken wrist from spiralling into a debt crisis. It ensures professionals can afford to recover properly, rather than being forced back to work too soon and risking further injury.
The Business Owner's Toolkit: Beyond Personal Cover
For company directors and business owners, resilience extends beyond their personal finances to the health of the business itself. A key person falling ill can have devastating consequences for a company's stability and growth. Fortunately, there is a suite of corporate protection products designed to safeguard the business.
| Type of Business Protection | Who It Protects | How It Works | Key Benefit |
|---|---|---|---|
| Key Person Insurance | The Business | The company takes out a policy on a vital employee (e.g., a top salesperson, a lead developer). If that person dies or suffers a critical illness, the business receives a lump sum. | Funds can be used to cover lost profits, recruit a replacement, or reassure lenders and investors, ensuring business continuity. |
| Executive Income Protection | The Director/Employee | A high-level Income Protection policy owned and paid for by the company for an employee. | Premiums are typically an allowable business expense, making it highly tax-efficient. It's a powerful tool for attracting and retaining top talent. |
| Relevant Life Cover | The Employee's Family | A standalone 'death-in-service' policy for an individual employee, paid for by the company. It pays a lump sum to their family if they die. | Unlike a registered group scheme, it's ideal for small businesses. Premiums are a business expense and benefits are paid free of IHT. |
For a business owner, implementing these strategies is a core part of responsible leadership. It protects their employees, their partners, and the future of the enterprise they have worked so hard to build.
Securing Your Legacy: Advanced Financial Planning
As you progress through life and accumulate assets, your financial planning needs evolve. True resilience involves not just protecting your income and health, but also preserving the wealth you've created for the next generation. This is where estate planning comes into sharp focus.
Gift Inter Vivos & Inheritance Tax (IHT)
Inheritance Tax can significantly reduce the value of the estate you pass on to your loved ones. The current rules are complex, but one popular and legitimate planning tool involves gifting assets during your lifetime.
The 7-Year Rule: In the UK, when you give a gift to an individual (e.g., cash or property), it is known as a Potentially Exempt Transfer (PET). If you live for 7 years after making the gift, it falls completely outside of your estate for IHT purposes and no tax is due on it.
The Problem: What if you pass away within that 7-year window? The gift then becomes part of your estate and is subject to IHT, which could create an unexpected and substantial tax bill for the recipient. The amount of tax due is tapered depending on how many years have passed since the gift was made.
The Solution: Gift Inter Vivos Insurance. This is a specialised form of life insurance designed to solve this exact problem.
- It's a life insurance policy taken out to cover the potential IHT liability on a specific gift.
- The term of the policy is typically 7 years, matching the PET rule.
- The sum assured is designed to decrease over the term, mirroring the tapering relief of IHT.
Real-Life Example: David, 68, gifts his daughter £150,000 to help her buy her first home. To ensure she receives the full benefit of this gift without any future tax burden, he also takes out a Gift Inter Vivos policy. Two years later, David unexpectedly passes away. The gift is now part of his estate and subject to IHT. However, his insurance policy pays out a lump sum directly to his estate to cover the exact IHT liability on the gift, leaving his daughter's £150,000 completely intact. This is astute planning in action.
The Health-Wealth Connection: Proactive Wellbeing
The Resilience Revolution isn't just about financial firewalls; it's about the deep-seated connection between our physical, mental, and financial health. Proactive steps to manage your wellbeing are as much a part of future-proofing your life as any insurance policy.
The Role of Private Medical Insurance (PMI)
The NHS is a national treasure, but it is facing unprecedented pressure. As of early 2025, NHS waiting lists in England remain a significant concern, with millions waiting for routine consultant-led treatment. While emergency care is world-class, the wait for diagnostics, consultations, and elective surgery can be lengthy and anxious.
This is where Private Medical Insurance (PMI) plays a vital role in a resilience strategy.
How PMI builds resilience:
- Speed of Access: PMI allows you to bypass long waiting lists for eligible conditions, getting you access to specialists, diagnostic scans (like MRI and CT), and treatment much faster.
- Choice and Control: It often provides a choice of leading consultants and high-quality private hospitals, giving you more control over your healthcare journey.
- Access to New Treatments: Some plans offer access to new drugs or treatments that may not yet be available on the NHS due to cost or other factors.
For personal growth, the benefit is clear. A knee injury that might mean an 18-month wait for surgery on the NHS could be diagnosed and treated within weeks privately. This dramatically reduces time off work, minimises income loss, and gets you back to your life and your goals faster. It transforms a potentially career-pausing event into a manageable blip.
Insurer Wellness Programmes: Your Partner in Health
Modern insurers are increasingly becoming partners in your health, not just providers of a payout. The industry recognises that prevention is better than a cure, and many now offer incredible value-added benefits designed to keep you healthy.
These wellness programmes and rewards can include:
- Discounted memberships for gyms and fitness trackers.
- Access to 24/7 virtual GP services, allowing you to speak to a doctor from your home.
- Mental health support, including access to counselling sessions and mindfulness apps.
- Health screening and MOTs to catch potential issues early.
- Rewards for healthy behaviour, such as cinema tickets or coffee for hitting activity goals.
At WeCovr, we passionately believe in this proactive approach to well-being. It's why, in addition to finding you the best protection policies, we provide our clients with complimentary access to our proprietary AI-powered calorie tracking app, CalorieHero. We see it as our commitment to supporting your health journey every day, not just at the point of a claim.
How to Build Your Resilience Portfolio: A Practical Guide
Understanding these products is the first step. Building your own tailored resilience portfolio is the next. Here’s a simple, practical framework to get you started.
Step 1: Assess Your Personal Situation
Honestly review your circumstances. Your protection needs are as unique as your fingerprint.
| Assessment Area | Questions to Ask Yourself |
|---|---|
| Employment | Am I employed, self-employed, or a company director? What is my employer's sick pay policy (duration and amount)? |
| Dependants | Does anyone rely on my income (spouse, children, ageing parents)? |
| Debts | What are my major debts? (Mortgage is the most significant). How would they be paid if my income stopped? |
| Outgoings | What are my essential monthly expenses? How much do I need to live on? |
| Savings | How much do I have in accessible savings? How many months of expenses would this cover? |
Step 2: Prioritise Your Needs
Not everyone needs every product, and budgets are a real consideration. The key is to cover your biggest vulnerabilities first.
| Your Profile | Top Priority | Secondary Priority | Also Consider |
|---|---|---|---|
| Young Single Renter | Income Protection | Critical Illness Cover | Private Medical Insurance |
| Young Family with Mortgage | Life Insurance (Decreasing) & Income Protection | Critical Illness Cover | Family Income Benefit |
| Self-Employed Professional | Income Protection ('Own Occupation') | Critical Illness Cover & Life Insurance | Personal Sick Pay (if in a manual trade) |
| Company Director | Executive Income Protection & Relevant Life Cover | Key Person Insurance | Private Medical Insurance |
| Nearing Retirement (Assets to pass on) | Gift Inter Vivos Insurance & Life Insurance (for IHT) | Critical Illness Cover | - |
Step 3: Seek Expert Advice
While this guide provides a comprehensive overview, the world of insurance is filled with nuances. The definitions, terms, and pricing vary significantly between insurers. Making the wrong choice can be costly.
This is where working with an expert, independent broker is invaluable. A specialist broker, like us at WeCovr, doesn't work for a single insurance company; we work for you. Our role is to:
- Understand your unique situation and goals.
- Scan the entire market, comparing policies from all major UK insurers.
- Explain the fine print and help you understand the crucial differences (like 'own occupation' definitions).
- Find you the most comprehensive cover that fits within your budget, ensuring there are no gaps in your resilience plan.
Navigating this landscape alone can be overwhelming. With an expert guide, it becomes a clear and empowering process.
Conclusion: From Surviving to Thriving in the Resilience Revolution
Personal growth is a journey of ambition, learning, and betterment. But the path to a truly fulfilling future is paved not just with goals, but with security. The Resilience Revolution is about consciously building that security.
It’s about recognising that planning for life's potential challenges is not pessimistic; it is the most optimistic action you can take. It’s a declaration that your growth, your family's well-being, and your peace of mind are non-negotiable.
By strategically layering products like Income Protection, Critical Illness Cover, and Life Insurance, you create a fortress around your finances. By considering specialist cover like Personal Sick Pay or Key Person Insurance, you protect your unique livelihood. And by embracing proactive health measures through PMI and wellness benefits, you invest in your most precious asset: yourself.
This is the new blueprint for success in 2025 and beyond. Don't just plan to grow. Build the unshakeable foundation that guarantees you can.
Is life insurance expensive?
Do I really need income protection if I have savings?
What's the difference between critical illness cover and income protection?
- Critical Illness Cover pays a one-off, tax-free lump sum upon diagnosis of a specific, serious condition listed in the policy. It’s designed to provide immediate capital to clear debts, pay for treatment, or make life adaptations.
- Income Protection pays a regular, tax-free monthly income if you're unable to work due to any illness or injury (not just a specific list of critical ones). It's designed to replace your salary and cover ongoing living costs.
Can I get cover if I have a pre-existing medical condition?
How does an expert broker like WeCovr help?
- Assess your needs: We take the time to understand your personal, family, and business circumstances.
- Search the market: We compare policies and prices from all the major UK insurers to find the best options.
- Explain the details: We help you understand the complex terms and conditions, ensuring you get the right level of cover with no nasty surprises.
- Manage the application: We handle the paperwork and liaise with the insurer on your behalf, making the process smooth and hassle-free.
What happens if I stop paying my premiums?
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!