Resilient Growth: The Protection Blueprint
Future-Proofing Your Potential: How strategic Life, Income, and Critical Illness Protection – including specialized Personal Sick Pay for hands-on professionals and thoughtful Family Income Benefit – coupled with agile Private Health Insurance, forms the unshakeable foundation for relentless personal growth, true relational depth, and fearless living, especially as health challenges are projected to impact 1 in 2 lives by 2025.
We live in an age of ambition. We strive for personal growth, career progression, and deeper connections with our loved ones. We build businesses, chase promotions, and plan for a future filled with experiences and achievements. Yet, beneath this drive for growth lies a fragile assumption: that our health, our single greatest asset, will hold firm.
The data, however, paints a starkly different picture. Projections from leading organisations like Cancer Research UK suggest that a staggering 1 in 2 people in the UK will be diagnosed with cancer in their lifetime. This isn't a scaremongering tactic; it's a statistical reality that underscores a broader trend of increasing health challenges across the population. When you factor in heart conditions, strokes, serious accidents, and mental health crises, the question shifts from if your life will be impacted by a major health event to when and how.
This is where the concept of a Protection Blueprint moves from a "nice-to-have" to an absolute necessity. It's a strategic, multi-layered financial safety net designed not just to help you survive a crisis, but to empower you to thrive despite it. It's the unshakable foundation that allows you to pursue your goals with confidence, knowing that your financial world—and the world of those who depend on you—won't collapse if your health falters.
This comprehensive guide will deconstruct that blueprint, piece by piece, showing you how each element works to secure your potential and enable a life lived without fear.
The Cracks in the Pavement: Why Relying on the State and Savings Isn't Enough
Many hardworking Britons believe they are adequately protected by a combination of their savings and the state's safety net. Let's examine this belief under the harsh light of reality.
Statutory Sick Pay (SSP): A Token Gesture
If you're an employee and fall ill, you may be entitled to Statutory Sick Pay. As of the 2024/2025 tax year, this amounts to a mere £116.75 per week, paid for a maximum of 28 weeks.
Consider your monthly outgoings: mortgage or rent, council tax, utilities, food, transport, childcare. How far would just over £460 a month stretch? For most households, it wouldn't even cover the mortgage payment.
The Self-Employed Precipice
For the UK's 4.25 million self-employed individuals (ONS, late 2023), the situation is even more precarious. There is no SSP. If you don't work, you don't earn. An illness or injury doesn't just halt your income; it can threaten the very existence of the business you've poured your life into.
The Savings Dilemma
"I have savings" is a common refrain. But according to a 2023 study by the Money and Pensions Service, one in four UK adults have less than £100 in savings. Even for those with a more substantial nest egg, a period of long-term sickness can erode years of diligent saving in a matter of months. A critical illness diagnosis, which may require you to stop working for a year or more, could completely wipe out your financial buffer, leaving you in a desperate situation when you should be focused solely on recovery.
This is the gap that a robust Protection Blueprint is designed to fill. It's not about replacing personal responsibility; it's about creating a financial firewall that protects your hard-earned assets and future income.
Deconstructing the Blueprint: The Five Pillars of Financial Resilience
A truly effective Protection Blueprint isn't a single policy. It's a carefully selected portfolio of coverages that work together to protect you against different risks. Let's break down the core components.
Pillar 1: Income Protection – Your Monthly Salary Lifeline
Often hailed by financial experts as the most crucial protection policy of all, Income Protection (IP) is designed to do one thing: replace a portion of your monthly income if you are unable to work due to any illness or injury.
How it Works:
- Pays a Regular Income: Instead of a lump sum, IP provides a monthly, tax-free payment, typically between 50% and 70% of your gross salary. This ensures your essential bills continue to be paid, month after month.
- The Deferment Period: This is the pre-agreed waiting period between when you stop working and when the payments begin. It can range from 4 weeks to 12 months. The longer the deferment period you choose, the lower your monthly premium. You can align this with your employer's sick pay policy or your personal savings buffer.
- Long-Term Security: Policies can be set up to pay out until you are able to return to work, or until your chosen retirement age (e.g., 67), providing true long-term security against protracted illness.
The "Own Occupation" Gold Standard:
The most critical feature of any IP policy is its definition of incapacity. The "Own Occupation" definition is the most comprehensive. It means the policy will pay out if you are unable to perform your specific job. Other, less robust definitions might only pay if you can't do any job, which offers far less protection. When discussing your options with a broker like WeCovr, we always emphasise the importance of securing an "Own Occupation" policy, especially for skilled professionals.
| Feature | Statutory Sick Pay (SSP) | Income Protection (IP) |
|---|---|---|
| Weekly Amount | £116.75 (max) | Up to 70% of your salary (tax-free) |
| Duration | 28 weeks (max) | Until you return to work or retire |
| Eligibility | Employees only | Anyone with an income |
| Control | Government-set rate | You choose your level of cover |
| Definition | Strict government rules | Can cover your "own occupation" |
Pillar 2: Personal Sick Pay – The Agile Shield for Hands-On Professionals
For many, the idea of a 4 or 8-week deferment period is untenable. Think of the tradesperson—the plumber, electrician, or builder—whose income stops the moment an injury prevents them from being on-site. The same applies to nurses on flexible contracts, freelance creatives, and gig economy drivers.
This is where Personal Sick Pay comes in. It's a specialised, shorter-term form of income protection designed for immediate impact.
Key Differences from traditional IP:
- Shorter Deferment: Payouts can start much faster, often after just one week of being off work.
- Shorter Payout Period: Instead of paying until retirement, these policies typically pay out for a maximum of 1, 2, or 5 years per claim.
- Focus on Affordability: The shorter-term nature makes it a more accessible and affordable option for those in riskier manual jobs or with fluctuating incomes.
Scenario: The Self-Employed Electrician
Mark, a 35-year-old electrician, falls from a ladder and breaks his wrist. He needs 10 weeks off work to recover. His Personal Sick Pay policy, with a one-week deferment, kicks in after 7 days. It pays him £500 a week for the remaining 9 weeks, totalling £4,500. This allows him to cover his mortgage and family expenses without having to raid his business account or fall into debt. Without it, he would have earned nothing.
Pillar 3: Critical Illness Cover – The Financial Shock Absorber
While Income Protection handles the monthly bills, Critical Illness Cover (CIC) provides a significant, tax-free lump sum if you are diagnosed with one of a list of specified serious conditions.
According to the Association of British Insurers (ABI), in 2022 insurers paid out over £1.27 billion in critical illness claims, supporting over 19,000 individuals and their families. The average payout was a life-changing £66,000.
What Can the Lump Sum Be Used For?
The power of CIC lies in its flexibility. The money is yours to use as you see fit, at a time of immense stress. Common uses include:
- Clearing a mortgage or other debts: Removing the single biggest financial burden.
- Funding private medical treatment: Accessing specialist care or drugs not yet available on the NHS.
- Adapting your home: Installing a stairlift or wet room after a stroke or debilitating diagnosis.
- Replacing a partner's income: Allowing your spouse or partner to take time off work to care for you.
- Funding a recuperative holiday: Creating positive memories with family during a difficult time.
- Simply providing a financial cushion: Giving you the breathing space to recover without financial worry.
The list of conditions covered is extensive and typically includes the "big three"—cancer, heart attack, and stroke—along with dozens of others like multiple sclerosis, motor neurone disease, and major organ transplant. It is vital to review the policy's Key Features Document to understand exactly which conditions are covered and to what definition.
Pillar 4: Life Insurance – The Legacy of Care
Life insurance is perhaps the most well-known form of protection. Its purpose is simple but profound: to provide a financial payout to your loved ones when you die. This ensures they are not left with a legacy of debt and can maintain their standard of living.
There are several forms this can take, each suited to different needs.
Term Life Insurance
This is the most common and affordable type. You choose an amount of cover (the "sum assured") and a policy term (e.g., 25 years to match your mortgage). If you pass away within that term, the policy pays out the lump sum. If you survive the term, the policy ends and has no value. It's perfect for covering liabilities that have a clear end date, like a repayment mortgage or the years your children are financially dependent.
Family Income Benefit (FIB): A Smarter Way to Protect
A brilliant and often overlooked alternative to a standard lump-sum policy is Family Income Benefit. Instead of paying a single large amount, FIB pays out a regular, tax-free monthly or annual income to your family from the time of the claim until the end of the policy term.
Why is FIB so powerful?
- Easier Budgeting: Receiving £2,500 a month is far easier for a grieving family to manage than suddenly receiving a cheque for £300,000. It replaces the lost monthly salary in a like-for-like way.
- More Affordable: Because the insurer's potential liability decreases over the term of the policy, FIB premiums are often significantly cheaper than an equivalent lump-sum policy.
- Protects the Capital: It removes the risk of the lump sum being spent too quickly or invested poorly.
| Feature | Lump Sum Term Insurance | Family Income Benefit (FIB) |
|---|---|---|
| Payout | Single, large tax-free cash payment. | Regular, tax-free income payments. |
| Purpose | Ideal for clearing large debts like a mortgage. | Ideal for replacing a lost monthly salary. |
| Cost | Generally more expensive. | Often more affordable for the same level of security. |
| Management | Requires careful financial management by the beneficiary. | Simple for the beneficiary to manage month-to-month. |
Specialised Life Cover: Gift Inter Vivos
For those concerned with Inheritance Tax (IHT) planning, a Gift Inter Vivos policy is a shrewd tool. If you gift a substantial amount of money or an asset (like a property) to someone, it is generally considered a Potentially Exempt Transfer. If you survive for seven years after making the gift, it falls outside of your estate for IHT purposes. However, if you die within those seven years, IHT may be due.
A Gift Inter Vivos policy is a specific type of life insurance designed to pay out a lump sum that covers this potential IHT liability, ensuring your beneficiaries receive the full value of your gift.
Pillar 5: Private Health Insurance – The Fast-Track to Recovery
The final pillar of a comprehensive blueprint is Private Health Insurance (PHI), also known as Private Medical Insurance (PMI). While the NHS provides incredible care, it is under unprecedented strain. As of early 2025, NHS England waiting lists remain stubbornly high, with millions of people waiting for consultations and procedures.
PHI is not a replacement for the NHS, which remains the best place for emergency and chronic condition management. Instead, it works alongside it, giving you speed, choice, and comfort for acute conditions.
Key Benefits of PHI:
- Bypass Waiting Lists: Get prompt access to diagnostic scans (MRI, CT) and specialist consultations, often within days or weeks instead of many months.
- Choice of Specialist and Hospital: You can choose the consultant you want to see and the private hospital where you want to be treated.
- Comfort and Privacy: Benefit from a private room, en-suite facilities, and more flexible visiting hours.
- Access to Advanced Treatments: Some policies provide access to the latest drugs and treatments that may not be routinely available on the NHS due to cost or licensing.
For a self-employed person or company director, the ability to get diagnosed and treated quickly isn't a luxury; it's an economic necessity. The faster you can get back on your feet, the faster you can get back to running your business and earning an income.
The Business Owner's Blueprint: Protecting Your Enterprise
For company directors, freelancers, and business owners, the Protection Blueprint extends beyond personal cover to protect the health of the business itself. Ignoring this can be a fatal entrepreneurial mistake.
Executive Income Protection
This is a standard Income Protection policy that is paid for by the business, for the benefit of an employee (including a director). The key advantage is tax efficiency. The monthly premiums are typically considered an allowable business expense, meaning they can be offset against corporation tax. This makes it a highly cost-effective way for a director to secure their own income.
Key Person Insurance
Who in your business is indispensable? Is it the top salesperson who brings in 40% of the revenue? The technical director with unique intellectual property in their head? A Key Person is anyone whose death or serious illness would have a direct and damaging financial impact on the business.
Key Person Insurance is a life and/or critical illness policy taken out by the business on that individual. If the key person dies or becomes critically ill, the policy pays a lump sum directly to the business. This cash injection can be used to:
- Recruit and train a replacement.
- Repay business loans or reassure lenders.
- Compensate for lost profits during the disruption.
- Enable a smooth winding-down of the business if necessary.
Relevant Life Cover
This is another highly tax-efficient protection tool. It's a company-paid death-in-service benefit for a single employee or director, written into a trust for their family.
The Triple Tax Advantage:
- Premiums are usually an allowable business expense.
- It is not considered a P11D benefit-in-kind, so there is no extra income tax for the employee.
- The payout goes into a trust, keeping it outside the employee's estate for Inheritance Tax purposes.
For small businesses that are not large enough to set up a full group scheme, Relevant Life Cover is an outstanding way to offer a valuable benefit and protect the director's family in the most tax-efficient manner possible.
The Wellness Connection: Proactive Resilience
Modern protection is about more than just a cheque in a crisis. Leading insurers, and forward-thinking brokers like us at WeCovr, understand that prevention and wellbeing are part of the same resilience equation.
Many top-tier protection policies now come bundled with a suite of value-added benefits at no extra cost, designed to help you and your family stay healthier:
- Remote GP Services: Access a GP via video call 24/7, getting prescriptions, advice, and referrals without waiting for an appointment at your local surgery.
- Mental Health Support: Access to counselling sessions, therapy courses, and support lines for issues like stress, anxiety, and bereavement.
- Second Medical Opinions: If you receive a serious diagnosis, you can have your case reviewed by a world-leading expert to confirm the diagnosis and explore treatment options.
- Fitness and Nutrition Programmes: Get discounts on gym memberships, fitness trackers, and access to wellness apps and nutritionists.
At WeCovr, we take this a step further. We believe in empowering our clients proactively. That’s why, alongside finding you the most competitive and comprehensive insurance, we provide all our protection clients with complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app. It's a simple, effective tool to help you build healthier habits, demonstrating our commitment to your long-term wellbeing, not just your financial security.
This holistic approach transforms insurance from a passive safety net into an active partner in your pursuit of a healthier, more resilient life.
Building Your Personalised Protection Blueprint: A Step-by-Step Guide
Creating your blueprint doesn't have to be complicated. It involves a logical process of assessment and action.
Step 1: The Financial X-Ray – Know Your Numbers
You can't protect what you don't understand. Take stock of your financial life:
- Income: What is your monthly take-home pay? If you're self-employed, what's your average monthly profit?
- Dependants: Who relies on you financially? Your partner, children, or perhaps ageing parents?
- Debts: What is your outstanding mortgage? Do you have car loans, credit card debt, or business loans?
- Outgoings: What are your non-negotiable monthly expenses? (Housing, food, utilities, council tax, etc.)
- Existing Cover: Do you have any death-in-service benefits from your employer? Check the amount and if it's "under trust".
Step 2: The Stress Test – Ask "What If?"
Now, run the scenarios:
- "What if I was unable to work for six months due to an accident? How would the bills get paid after my employer's sick pay runs out?"
- "What if I was diagnosed with a critical illness? How would we cope with the financial shock on top of the emotional turmoil?"
- "What if I died tomorrow? Could my family afford to stay in our home? Would they be financially secure?"
The answers to these questions will reveal the specific gaps in your financial defences.
Step 3: Prioritise and Plan
You may not be able to afford every type of cover at the maximum level straight away. That's okay. The key is to start with what's most important.
- For most people, Income Protection is the number one priority, as it protects your ability to earn, which underpins everything else.
- If you have a mortgage and dependants, Life Insurance is non-negotiable.
- Critical Illness Cover provides that crucial lump sum for major shocks.
- Private Health Insurance is for those who prioritise speed of access to treatment.
Step 4: Seek Expert, Independent Advice
The UK protection market is vast and complex, with dozens of insurers and hundreds of policy variations. Trying to navigate this alone is overwhelming and can lead to costly mistakes, like choosing a policy with poor definitions or paying too much for inadequate cover.
This is where an independent broker like WeCovr is invaluable. Our role is to:
- Understand You: We take the time to go through the steps above with you, building a complete picture of your life, needs, and budget.
- Scan the Market: We use our expertise and technology to compare policies from all the UK's leading insurers, including specialist providers you might not find on comparison websites.
- Translate the Jargon: We explain the difference between "reviewable" and "guaranteed" premiums, the importance of "waiver of premium", and the nuances of policy definitions.
- Build Your Blueprint: We help you assemble a portfolio of policies that provides robust, overlapping protection, tailored specifically to you, your family, or your business.
- Handle the Hassle: We manage the application process from start to finish and are there for you at the point of claim, ensuring you get the support you need when it matters most.
Conclusion: From Financial Plan to Life Unleashed
Your Protection Blueprint is far more than an insurance portfolio. It is a declaration of intent. It is the practical manifestation of your commitment to yourself, your family, and your future.
By methodically removing the financial "what ifs" that cause underlying anxiety, you liberate your potential. You can take calculated career risks, launch that business, or invest in your personal growth, knowing that a health crisis will not spell financial ruin. You can build deeper, more present relationships, free from the unspoken fear of leaving your loved ones in the lurch.
In a world of increasing uncertainty, where health challenges are a statistical probability, building a foundation of financial resilience is not pessimistic; it is the ultimate act of optimism. It's the framework that allows you to stop worrying about what might go wrong and start living fearlessly, focused on all that can go right. It is the unshakeable foundation for relentless growth.
What is the difference between Income Protection and Critical Illness Cover?
Do I need all these different types of insurance? It sounds expensive.
Can I get cover if I have a pre-existing medical condition?
Is Family Income Benefit better than a normal lump sum life insurance policy?
Why should I use a broker like WeCovr instead of a comparison website?
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!