Resilient Growth: Future-Proofing Your Best Life
Beyond Wellness Trends: Why True Personal Growth Demands Unseen Foundations of Financial and Health Resilience
In an era obsessed with self-optimization, we often overlook the critical bedrock that sustains a thriving life: proactive protection. We chase wellness through mindfulness apps, organic diets, and high-intensity workouts, yet true, sustainable personal growth is built on something far less visible. It’s built on resilience.
Imagine the freedom to truly grow, unburdened by the financial devastation of illness or accident. The reality is that life is unpredictable. Health data from Cancer Research UK projects that by 2025, a staggering 1 in 2 people in the UK will receive a cancer diagnosis in their lifetime. Beyond this stark statistic, other serious health events or job-related incidents remain an ever-present risk for everyone, from tradespeople working on-site to nurses on long shifts and office-based directors.
Securing your future is the ultimate act of self-empowerment. This guide will explore how building an unseen foundation of financial and health security is not just a defensive measure, but the single most powerful enabler of your personal and professional ambitions.
Discover how Family Income Benefit and Income Protection ensure your household maintains its lifestyle if you can’t work, while Personal Sick Pay offers vital income streams for clients in riskier jobs, allowing you to focus on recovery, not debt. Explore how Life and Critical Illness Cover provide crucial lump sums for life-altering events, safeguarding your financial stability and future. Understand how Life Protection and Gift Inter Vivos cover offer a lump sum payment on death, securing your legacy and providing immediate support for loved ones, ensuring your aspirations for them continue.
Crucially, learn how private medical insurance complements this by offering rapid access to specialists, wider treatment choices, and expedited recovery, preventing long NHS waiting times from derailing your life and growth trajectory. This isn't just about insurance; it’s about building an unshakeable foundation that empowers continuous personal development, preserves peace of mind, and allows you to truly live your best life, come what may.
The Modern Wellness Paradox: Strong in Body, Fragile in Finance
We live in a culture that champions personal responsibility for health. We track our steps, monitor our sleep, and curate our diets. This focus on physical well-being is commendable, but it can create a dangerous blind spot: the illusion of invincibility.
Optimism bias, the cognitive tendency to believe we are less likely to experience negative events than others, is a powerful force. We see statistics about illness and accidents and instinctively think, "that won't happen to me." This mindset, coupled with our focus on daily wellness routines, can lead us to neglect the structural supports that underpin our entire lives.
The truth is, no amount of kale or meditation can prevent an accident or a sudden diagnosis. And when such an event occurs, the financial fallout can be just as devastating as the physical and emotional impact.
Consider the stark reality in the UK:
- Long-Term Sickness: The Office for National Statistics (ONS) reported in early 2025 that over 2.8 million people are economically inactive due to long-term sickness, a record high. This highlights a significant and growing challenge for working-age adults.
- Statutory Sick Pay (SSP): For those who are eligible, SSP provides a mere £116.75 per week (2024/25 rate). This is a fraction of the average UK wage and is rarely sufficient to cover essential outgoings like mortgage payments, rent, utility bills, and food.
- The Self-Employed Gap: The UK's 4.25 million self-employed individuals have no access to SSP at all. For them, a period of illness means their income stops entirely from day one.
A wellness strategy that ignores these financial realities is incomplete. True resilience is about having a plan for when things go wrong, ensuring that a health crisis does not automatically become a financial catastrophe.
Your Financial First Line of Defence: Protecting Your Income
Your ability to earn an income is your most valuable asset. It powers everything else: your home, your lifestyle, your family's future, and your ability to save and invest. Protecting it should be the number one priority in any financial plan.
Income Protection: Your Salary, Secured
Income Protection (IP) is arguably the most important insurance policy you can own during your working life. It's designed to do one thing: pay you a regular, tax-free monthly income if you are unable to work due to any illness or injury.
It's a replacement for your salary, designed to cover your essential living costs until you can return to work, retire, or the policy term ends.
Who is it for?
- Employees: Even with a good employer sick pay scheme, this often runs out after 3-6 months. IP can be set up to kick in when your employer's support stops.
- Self-Employed & Freelancers: For anyone working for themselves, IP is a lifeline. It provides the financial stability to recover properly without the pressure of having to return to work too soon.
- Company Directors: While you can get personal cover, Executive Income Protection (more on this later) is often a more tax-efficient solution.
Key Features of Income Protection:
| Feature | Description | What to Consider |
|---|---|---|
| Level of Cover | Typically covers 50-70% of your gross annual income. The payout is tax-free. | Calculate your essential monthly outgoings to determine how much you need. |
| Deferred Period | The waiting period before the policy starts paying out. Can range from 4 weeks to 52 weeks. | Align this with your employer's sick pay period or your emergency savings. A longer deferred period means a lower premium. |
| Definition of Incapacity | Crucial. 'Own Occupation' is the gold standard, paying out if you can't do your specific job. | Always opt for 'Own Occupation' if available. Other definitions like 'Suited Occupation' or 'Any Occupation' are less comprehensive. |
| Term of Policy | How long the policy runs for. Usually set to your planned retirement age (e.g., 68). | Ensure it covers you for your entire working life. |
Real-Life Example: Sarah, a 35-year-old graphic designer, is diagnosed with a severe repetitive strain injury and is signed off work for nine months. Her employer's sick pay covers her full salary for one month, then drops to SSP. Thankfully, she has an Income Protection policy with a four-week deferred period. From the second month, her policy pays her £2,000 per month, allowing her to cover her rent and bills, and focus on physiotherapy without financial stress.
Family Income Benefit: A Smarter Way to Protect Your Loved Ones
When most people think of life insurance, they picture a large, one-off lump sum payment. While this has its place, Family Income Benefit (FIB) offers a different, often more practical, approach.
Instead of a single lump sum, FIB pays out a regular, tax-free monthly or annual income to your family if you pass away during the policy term. This income is designed to replace your lost salary, making it far easier for your surviving partner to manage the household budget.
Why Choose Family Income Benefit?
- Budget-Friendly: It directly replaces the monthly income you brought in, making it simple to manage ongoing costs like mortgage payments, school fees, and household bills.
- Cost-Effective: Because the total potential payout decreases over time (as the remaining term shortens), FIB premiums are often significantly cheaper than for an equivalent level term life insurance policy.
- Peace of Mind: It removes the stress of managing and investing a large lump sum during a period of grief.
FIB vs. Level Term Life Insurance:
| Feature | Family Income Benefit (FIB) | Level Term Life Insurance |
|---|---|---|
| Payout | Regular, tax-free income (e.g., £2,500/month) | One-off, tax-free lump sum (e.g., £300,000) |
| Primary Use | Replaces lost monthly income for ongoing living costs. | Clears large debts like a mortgage, provides an investment pot. |
| Cost | Generally more affordable. | Can be more expensive for a comparable level of security. |
| Management | Simple for the beneficiary to manage. | Requires careful financial planning and investment decisions. |
FIB is an excellent choice for young families with significant monthly outgoings, providing a steady and reliable financial lifeline when it's needed most.
Personal Sick Pay: Short-Term Cover for Hands-On Professionals
For those in physically demanding or higher-risk jobs – like electricians, plumbers, construction workers, or nurses – even a short-term injury can mean an immediate loss of income. Personal Sick Pay insurance is specifically designed for this scenario.
Think of it as a more accessible, shorter-term version of income protection.
- What it is: A policy that pays out a weekly or monthly benefit if you're unable to work due to an accident or sickness.
- Key Difference: Unlike full income protection which can pay out until retirement, Personal Sick Pay policies typically have a maximum claim period of 1, 2, or 5 years.
- Benefit: The premiums are lower, and the application process can be simpler, making it an ideal starting point for tradespeople and freelancers who need to ensure their immediate bills are covered if they're off work for a few weeks or months.
The Unthinkable Event: Life & Critical Illness Cover
While income protection secures your monthly cash flow, some events create an immediate and substantial need for a large capital sum. This is where Life and Critical Illness Cover provide their immense value.
Critical Illness Cover (CIC): Financial Breathing Space When You're Diagnosed
Critical Illness Cover pays out a one-off, tax-free lump sum if you are diagnosed with one of a list of predefined serious medical conditions. The 'big three' covered by nearly all policies are cancer, heart attack, and stroke, but modern policies can cover over 50 conditions, including multiple sclerosis, major organ transplant, and Parkinson's disease.
The financial impact of a serious illness goes far beyond a loss of income. Macmillan Cancer Support estimates that a cancer diagnosis costs the average patient £891 a month, on top of their usual expenditure. This is due to costs like travel to hospital, increased heating bills, and specialist dietary needs.
A CIC payout is designed to absorb these shocks. You can use the money for anything you need, providing complete financial freedom at a time of immense stress:
- Clear debts: Pay off your mortgage, credit cards, or loans to reduce monthly outgoings.
- Fund private treatment: Access specialists or drugs not available on the NHS.
- Adapt your home: Install a stairlift or convert a bathroom.
- Replace lost income: Allow your partner to take time off work to care for you.
- Fund your recovery: Pay for anything that aids your well-being, from a holiday to recuperate to alternative therapies.
Life Protection: Securing Their Future, Defining Your Legacy
Life Protection (often called Life Insurance) is the cornerstone of financial planning for anyone with dependants. It provides a tax-free lump sum to your loved ones upon your death.
Its primary purpose is to ensure that those who rely on your income are not left in a financially vulnerable position.
The two main types are:
- Term Life Insurance: Provides cover for a fixed period (the 'term'), such as the length of your mortgage or until your children are financially independent. If you pass away within the term, it pays out. It's the most common and affordable type.
- Whole of Life Insurance: Provides cover that lasts for your entire life, guaranteeing a payout whenever you die. It is more expensive but is often used for Inheritance Tax (IHT) planning or to leave a guaranteed legacy.
The lump sum from a life policy can be used to:
- Pay off the mortgage, ensuring your family has a secure home.
- Provide a fund for day-to-day living expenses.
- Cover future costs like university fees.
- Settle funeral expenses and other immediate costs.
Comparing Your Core Protection Options
Understanding how these three key policies work together is crucial.
| Policy | Trigger for Payout | Payout Type | Main Purpose |
|---|---|---|---|
| Income Protection | Inability to work due to any illness/injury. | Regular monthly income. | Replace your lost salary to cover living costs. |
| Critical Illness Cover | Diagnosis of a specified serious illness. | One-off lump sum. | Cover major costs and financial shocks from a serious diagnosis. |
| Life Insurance | Death. | One-off lump sum. | Pay off mortgage and provide for dependants. |
A robust protection plan often involves a combination of these policies, tailored to your specific circumstances. An adviser at WeCovr can help you analyse your needs to build a portfolio that provides comprehensive cover without any unnecessary overlap.
Advanced Planning: Securing Your Legacy with Gift Inter Vivos
For those with significant assets, planning extends beyond their own lifetime. Inheritance Tax (IHT) can significantly reduce the value of the estate you pass on to your loved ones. One common planning strategy is to gift assets while you are still alive.
However, these gifts are not immediately exempt from IHT. Under HMRC's "seven-year rule," if you die within seven years of making a substantial gift, it may still be considered part of your estate for tax purposes.
This is where a Gift Inter Vivos (GIV) policy comes in.
- What it is: A specialised life insurance policy designed to cover the potential IHT liability on a gift.
- How it works: You take out a life policy for a seven-year term, with the sum assured matching the potential IHT bill. The amount of cover required decreases over the seven years, in line with the tapering relief offered by HMRC on the gift.
- The benefit: It provides a lump sum to your beneficiaries specifically to pay the tax bill on the gift, ensuring they receive its full intended value. It’s a simple, cost-effective way to guarantee your gift achieves its purpose.
This niche product demonstrates the depth of planning available to ensure your financial wishes are fully realised, protecting your legacy for the next generation.
The Recovery Accelerator: Private Medical Insurance
The protection policies we've discussed provide the financial support to weather a health crisis. Private Medical Insurance (PMI) provides something equally valuable: accelerated access to care.
The NHS is a national treasure, but it is under immense pressure. As of early 2025, NHS England waiting lists stand at over 7.5 million, with many people waiting months, or even years, for diagnosis and treatment. For anyone running a business, supporting a family, or simply wanting to get back to their life, these delays can be devastating.
PMI works in partnership with the NHS to give you more control over your healthcare journey.
Key Benefits of Private Medical Insurance:
- Speed of Access: Bypass long waiting lists for consultations with specialists, diagnostic scans (like MRI and CT), and elective surgery.
- Choice and Control: Choose your specialist or surgeon and select a hospital and time for your treatment that suits you.
- Enhanced Comfort: Recover in a private room with amenities like an en-suite bathroom, TV, and more flexible visiting hours.
- Access to Specialist Treatments: Some policies provide access to new drugs or treatments that may not yet be available on the NHS due to cost or NICE approval delays.
PMI is the ultimate accelerator for your recovery. By getting you diagnosed and treated faster, it minimises the time you spend away from work, your family, and your personal growth journey. It transforms a potentially long, drawn-out health issue into a manageable event, allowing you to get back on your feet and back to living your best life sooner.
A Crucial Message for Directors, Founders, and the Self-Employed
If you run your own business or are a key director, your health is inextricably linked to the health of your company. The standard protection policies are vital, but there are also business-specific solutions that offer significant advantages, particularly in tax efficiency.
Executive Income Protection
This is an Income Protection policy owned and paid for by your limited company, for you as an employee.
- Tax Efficiency: The monthly premiums are typically considered an allowable business expense, reducing your corporation tax bill.
- Process: If you are unable to work, the benefit is paid to the company, which then pays it to you via PAYE. While subject to tax and National Insurance at this point, it allows for a much higher level of cover than a personal policy.
- Benefit: It protects both you and the business, ensuring you can continue to receive an income while a replacement is potentially needed.
Key Person Insurance
Who in your business is indispensable? A founder with the vision, a top salesperson, a technical genius? Key Person Insurance is a life and/or critical illness policy taken out by the business on such an individual.
If that person were to pass away or become critically ill, the policy pays a lump sum directly to the business. This money is designed to:
- Cover the cost of recruiting and training a replacement.
- Repay business loans that may be recalled.
- Compensate for a loss of profits or business contacts.
- Reassure investors, lenders, and clients that the business can survive.
Relevant Life Cover
This is a highly tax-efficient alternative to a personal life insurance policy for directors and employees.
- Structure: It's a term life policy paid for by the business. The premiums are an allowable business expense.
- Benefit: The payout goes directly to the employee's family or a trust, completely separate from the business.
- Tax Advantages: It does not count as a P11D benefit-in-kind for the employee, and the payout is typically not part of the estate for Inheritance Tax purposes.
Navigating these options requires specialist advice. As expert brokers, WeCovr can work with you and your accountant to structure the most efficient and effective protection portfolio for you and your business.
The WeCovr Approach: Building Your Resilient Future
We understand that this landscape of protection can seem complex. Income Protection, Critical Illness, Life Cover, PMI – each plays a unique role in building your financial fortress. The key is not just to have policies, but to have the right policies, working in harmony to protect your specific lifestyle and goals.
At WeCovr, we act as your expert guide. We take the time to understand you, your family, your business, and your ambitions. We then use our expertise and access to the entire UK insurance market to find the solutions that provide the most comprehensive and cost-effective cover. We believe that informed choices are empowered choices.
But our commitment to your well-being doesn't stop there. We believe in a holistic approach that supports both the foundational resilience and the daily habits that lead to a thriving life. That’s why all our protection clients receive complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app. It’s our way of helping you take care of your day-to-day health, while we take care of your long-term security.
Conclusion: From Surviving to Thriving
The pursuit of your best life—a life of growth, achievement, and fulfillment—is a worthy one. But true growth requires a solid ground to stand on. The modern wellness movement often encourages us to build upwards, focusing on daily optimisations, without first checking the foundations.
This article has laid out the blueprint for those foundations. It's not about fear; it's about empowerment. It's about making a conscious choice to remove the single biggest threat to your ambitions: the financial devastation of an unexpected health event.
By strategically layering products like Income Protection, Critical Illness Cover, and Private Medical Insurance, you create a safety net that catches you, your family, and your business. You give yourself the freedom to take calculated risks, to pursue your passions, and to live more fully, knowing that you have a robust plan for the unpredictable.
This is the ultimate act of self-care. It's the unseen work that makes all the visible growth possible. Future-proof your life today, and you unlock the freedom to truly thrive tomorrow.
Do I really need this type of insurance if I'm young and healthy?
Yes, absolutely. In many ways, being young and healthy is the best possible time to arrange protection insurance. Firstly, premiums are calculated based on age and health, so you will secure much lower rates than if you wait until you are older or have developed a health condition. Secondly, illness and accidents can happen to anyone at any age. Your most valuable asset is your future earning potential over your entire career, and protecting that income stream early on is one of the smartest financial decisions you can make.
How much does protection insurance cost?
The cost varies significantly based on several factors: the type of policy, the amount of cover, your age, your health, your smoking status, and your occupation. For example, a young, non-smoking office worker will pay far less for income protection than an older manual labourer. However, cover is often more affordable than people think. A comprehensive plan can often be secured for less than the cost of a daily coffee or a monthly streaming subscription. The best way to find out is to get a personalised quote.
What is the difference between Income Protection and Critical Illness Cover?
This is a common and important question.
- Income Protection pays a regular monthly income if you cannot work due to any illness or injury (e.g., stress, back pain, cancer). It's designed to replace your salary.
- Critical Illness Cover pays a one-off tax-free lump sum if you are diagnosed with a specific serious illness listed on the policy (e.g., heart attack, stroke, multiple sclerosis). It's designed to cover large, immediate costs.
Can I get cover if I have a pre-existing medical condition?
Yes, it is often still possible to get cover. You must be completely honest and declare all pre-existing conditions during the application process. The insurer may do one of three things: offer you cover on standard terms, offer you cover with an exclusion for your specific condition, or offer you cover with an increased premium (a 'loading'). In some cases, they may decline to offer cover, but an expert broker can help you approach specialist insurers who may be able to help.
I'm self-employed. What cover is most important for me?
For the self-employed, who have no access to Statutory Sick Pay, Income Protection is arguably the most critical policy. It ensures your personal bills are paid if you cannot work. After that, Critical Illness Cover is vital to provide a capital sum to protect you and your business from the shock of a serious diagnosis. If you have dependants, Life Insurance is also essential. A broker can help you prioritise based on your budget and circumstances.
How does Private Medical Insurance (PMI) work with the NHS?
PMI works alongside the NHS, not as a complete replacement. Emergency services (A&E, ambulance) will always be provided by the NHS. For non-emergency conditions, you would typically see your NHS GP first. If they refer you to a specialist, you can then use your PMI policy to see a consultant and receive treatment in a private hospital, bypassing the NHS waiting list. It gives you speed, choice, and convenience for planned medical care.
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!