Secure Growth: The Protection Blueprint
The Unspoken Pillar of Personal Growth: Why Financial Resilience, Not Just Positive Thinking, Is Your Ultimate Life Accelerator. Discover How Proactive Protection – From Income Security, Life & Critical Illness Cover to Tailored Personal Sick Pay for Tradespeople, Nurses, and Electricians, Plus Strategic Legacy Planning with Gift Inter Vivos and Rapid-Access Private Health Insurance – Empowers You and Your Loved Ones to Thrive Unburdened, Even As Up to 1 in 2 UK Citizens Are Projected to Face a Cancer Diagnosis by 2025.
In today's world, the narrative of personal growth is often dominated by mindset. We're told to "think positive," "manifest success," and "hustle harder." While ambition and a positive outlook are undoubtedly powerful forces, they stand on a foundation that is rarely discussed but critically important: financial resilience.
Imagine building a magnificent skyscraper. You focus on the sleek design, the state-of-the-art technology, and the panoramic views from the top. But you neglect the foundations. You use subpar materials and cut corners on the engineering. When the first storm hits—not if, but when—the entire structure is at risk of collapse.
Your life, your career, and your family's future are that skyscraper. Your ambition is the design, but your financial security is the deep, reinforced concrete foundation. Without it, an unexpected life event—a serious illness, a sudden accident, or a premature death—can bring everything crashing down.
This isn't about pessimism; it's about pragmatism. It's about building a robust safety net that allows you to take risks, chase dreams, and live boldly, secure in the knowledge that you and your loved ones are protected. This is the protection blueprint: a strategic plan that transforms vulnerability into strength and allows you to thrive, unburdened by the "what ifs."
And the "what ifs" are becoming increasingly common. Shocking projections from Cancer Research UK suggest that by 2025, as many as one in two people in the UK will be diagnosed with cancer in their lifetime. This sobering statistic underscores the urgent need to move beyond mere positive thinking and embrace proactive protection.
The Myth of Invincibility: Why 'Hustle Culture' Ignores Reality
We live in an age that glorifies relentless work and unwavering optimism. While inspiring, this culture can create a dangerous blind spot. It fosters a belief that if we just work hard enough, nothing can go wrong. The reality is profoundly different.
Life is unpredictable. An illness doesn't care about your business plan. An accident won't check your diary. According to the Financial Conduct Authority's 2024 Financial Lives survey, a staggering 11% of UK adults—that's over 5.8 million people—have no savings whatsoever. A further 32% have less than £2,000. For millions of households, a single missed paycheque is the difference between stability and crisis.
When a financial shock occurs without a safety net, the consequences are devastating:
- Mental Health Strain: The stress of meeting mortgage payments, buying food, and paying bills while dealing with a health crisis can be overwhelming, hindering recovery and impacting the entire family.
- Career Derailment: Ambitious career plans are put on hold indefinitely. The dream of starting a business or taking a calculated career risk becomes an impossible luxury.
- Debt Spiral: Relying on credit cards and loans to cover daily expenses can lead to a cycle of debt that is incredibly difficult to escape.
- Forced Decisions: You may be forced to sell your family home, dip into your children's savings, or rely on the charity of friends and family.
Financial resilience isn't just about money. It's about preserving your dignity, your choices, and your mental wellbeing during life's most challenging moments. It's the engine that allows your personal growth journey to continue, even when the road gets rough.
The Core Pillars of Your Financial Fortress
Building this resilience doesn't require a fortune. It requires a strategic approach, using a combination of powerful protection tools designed to shield you from specific risks. Let's break down the essential pillars.
Pillar 1: Income Protection – Your Personal Salary Guarantee
Your ability to earn an income is your single most valuable asset. It pays for your home, your food, your children's future, and your dreams. What happens if that income suddenly stops because you're too ill or injured to work?
Income Protection Insurance is designed to solve this exact problem. It pays you a regular, tax-free monthly income until you can return to work, retire, or the policy term ends. It's a direct replacement for your salary when you need it most.
Who needs it most? Frankly, anyone who relies on their monthly income. This is especially critical for:
- The Self-Employed and Freelancers: You have no employer sick pay to fall back on. If you don't work, you don't get paid.
- Company Directors: While you may have some control, your business could suffer if you're unable to lead for an extended period.
- Those with Limited Savings: If you don't have a substantial emergency fund (6-12 months of expenses), income protection is a necessity, not a luxury.
The gap between state support and the reality of your expenses is vast.
| Support Source | Typical Weekly Amount (2025 Figures) | Key Limitations |
|---|---|---|
| Statutory Sick Pay (SSP) | £116.75 | Paid by employer for a maximum of 28 weeks. Not available to most self-employed people. |
| Employment and Support Allowance (ESA) | Variable, from ~£90.50 p/w | Means-tested and subject to rigorous assessments. Often insufficient to cover mortgage/rent and bills. |
| Income Protection | Up to 65% of your gross salary | Non-means-tested. Pays out for as long as you need (up to retirement). |
Real-Life Example: Sarah, a 35-year-old freelance graphic designer earning £45,000 a year, is diagnosed with a chronic autoimmune condition that leaves her unable to work for over a year. Because she is self-employed, she isn't eligible for SSP. Her savings run out within three months. The stress is immense. However, her Income Protection policy, which she took out two years prior, kicks in after her chosen 3-month deferral period. It pays her £2,100 tax-free every month, allowing her to cover her mortgage and bills, focus on her health, and eventually return to her business without having accumulated massive debt.
Pillar 2: Life Insurance – A Legacy of Security, Not Debt
Life insurance is perhaps the most well-known form of protection, yet its purpose is often misunderstood. It's not for you; it's for the people you leave behind. It ensures that your death doesn't create a financial crisis for your family.
The core purpose is to provide a lump sum or a regular income to your loved ones to:
- Pay off the mortgage, removing the biggest financial burden.
- Cover ongoing living costs and bills.
- Fund your children's education.
- Settle any outstanding debts or funeral costs.
There are several types to consider:
- Term Life Insurance: Provides cover for a fixed period (e.g., the length of your mortgage). It pays out if you pass away during the term. It's the most affordable and popular type.
- Whole of Life Insurance: Covers you for your entire life and guarantees a payout whenever you pass away. It's often used for inheritance tax planning.
- Family Income Benefit: Instead of a single large lump sum, this policy pays out a regular, tax-free monthly or annual income to your family for the remainder of the policy term. This can be easier to manage and more closely mimics a lost salary.
Deciding on the right level of cover is crucial. It's not a finger-in-the-air guess.
| Financial Obligation | Example Calculation | Your Calculation |
|---|---|---|
| Mortgage Balance | £250,000 | £___________ |
| Other Debts (Loans, Credit Cards) | £15,000 | £___________ |
| Family Living Costs (e.g., £2.5k/month for 10 years) | £300,000 | £___________ |
| Future Costs (e.g., University Fees) | £50,000 | £___________ |
| Total Cover Needed | £615,000 | £___________ |
Pillar 3: Critical Illness Cover – Financial Breathing Room When It Matters Most
Remember the stark statistic: 1 in 2 of us may face a cancer diagnosis. Add to that the prevalence of heart attacks and strokes—the UK's other major killers—and the need for a financial buffer becomes crystal clear.
Critical Illness Cover pays out a one-off, tax-free lump sum if you are diagnosed with one of a list of predefined serious conditions. The 'big three' are typically cancer, heart attack, and stroke, but modern policies can cover over 50 conditions, including multiple sclerosis, motor neurone disease, and major organ transplant.
This money is designed to give you options and reduce financial stress, so you can focus entirely on your recovery. It can be used for anything, including:
- Clearing the mortgage or other debts.
- Replacing lost income for you or a partner who takes time off to care for you.
- Funding private medical treatment or specialist consultations to bypass waiting lists.
- Making adaptations to your home, such as installing a ramp or a walk-in shower.
- Paying for a recuperative holiday to aid your mental and physical recovery.
The quality of a policy lies in its definitions. Two policies may both cover "cancer," but the specific types and stages of cancer they cover can vary significantly. This is where expert advice from a broker like WeCovr is invaluable. We help you scrutinise the small print and understand which insurer provides the most comprehensive and relevant cover for your needs.
Tailored Protection for Modern Ways of Working and Living
The "one-size-fits-all" approach to insurance is a thing of the past. Your profession, your business structure, and your personal circumstances demand a more tailored strategy.
For the Hands-On Professionals: Personal Sick Pay for Tradespeople, Nurses & Electricians
If you're a plumber, electrician, builder, nurse, or in any physically demanding role, your body is your business. A broken arm or a bad back isn't just an inconvenience; it's a complete stop to your income.
While Income Protection is an excellent long-term solution, some may find its underwriting process lengthy or have exclusions due to their "high-risk" job. This is where Personal Sick Pay (sometimes called Accident & Sickness insurance) comes in.
These policies are often:
- Simpler to set up: With less stringent medical underwriting.
- Focused on specific outcomes: Providing cover for a set period (e.g., 12 or 24 months) per claim.
- Great for covering accidents: They are perfectly suited for tradespeople who are more susceptible to physical injuries that could keep them off the tools for weeks or months.
Example: David, a 42-year-old electrician, falls from a ladder and suffers a complex fracture in his wrist. He needs surgery and is told he cannot work for at least four months. His Personal Sick Pay policy, designed for tradespeople, starts paying him £1,500 a month after a 1-week deferral period. This immediate support covers his core bills and prevents him from having to return to work before he is fully healed, risking further injury.
For the Visionaries: Protection for Business Owners & Company Directors
If you run your own business, you are the business. Your health and your company's health are intrinsically linked. Smart directors and business owners protect their companies with the same diligence they protect their own families.
There are highly tax-efficient ways to do this through the business itself:
| Business Protection Type | What It Does | Why It's Essential |
|---|---|---|
| Key Person Insurance | A policy taken out by the business on the life of a crucial employee (e.g., a director, top salesperson). It pays a lump sum to the business if that person dies or suffers a critical illness. | The funds can be used to recruit a replacement, cover lost profits, or reassure lenders, ensuring business continuity. |
| Executive Income Protection | Income protection paid for by the company for its directors/employees. The premiums are an allowable business expense, and the benefit is paid to the company, which then distributes it to the employee via PAYE. | A hugely tax-efficient way to provide personal income security. It attracts and retains top talent. |
| Relevant Life Cover | A tax-efficient death-in-service benefit for individual employees/directors, paid for by the company. It's ideal for small businesses that don't have a full group scheme. | The lump sum goes to the employee's family, free of inheritance tax. Premiums are not a P11D benefit and are typically an allowable business expense. |
Investing in this type of protection is a hallmark of a well-run, resilient business. It demonstrates foresight to investors, employees, and clients.
For the Forward-Thinkers: Strategic Legacy Planning with Gift Inter Vivos
One of the most rewarding parts of achieving financial success is being able to help your loved ones, for instance by gifting money for a house deposit or to start a business. However, under UK law, these generous gifts can come with a sting in the tail: Inheritance Tax (IHT).
If you give a gift and pass away within seven years, that gift may still be considered part of your estate for IHT purposes. The tax liability falls on the person who received the gift, which can create immense financial and emotional strain.
This is where a Gift Inter Vivos (GIV) policy provides an elegant solution. It is a specialised life insurance policy, typically with a decreasing sum assured, designed to cover the potential IHT liability on a gift.
How it works:
- The Taper: The IHT due on a gift reduces over the 7 years (the "taper relief"). A GIV policy's payout is designed to mirror this, so the cover decreases as the tax liability does.
- The Protection: You gift £100,000 to your child. You take out a GIV policy. If you pass away in year 4, the IHT liability on the gift would be £16,000 (at the current 40% rate, with 60% taper relief). The policy pays out this amount, so your child receives the full benefit of your gift without a surprise tax bill.
This is a sophisticated but powerful tool for anyone planning their estate and wanting to pass on wealth tax-efficiently.
Accelerating Your Wellbeing: Beyond Purely Financial Security
True resilience isn't just about having money in the bank. It's about your physical and mental health. Modern protection policies understand this, and they are evolving to become holistic wellbeing partners.
The Health Accelerator: Rapid-Access Private Medical Insurance (PMI)
The NHS is a national treasure, but it is under unprecedented strain. According to NHS England data from early 2025, waiting lists for routine treatments remain at record highs, with millions of people waiting for care.
This is where Private Medical Insurance (PMI) acts as a powerful accelerator for your health and, by extension, your personal growth. PMI works alongside the NHS to give you:
- Speed: Swift access to specialists and diagnostic scans (like MRI and CT), often within days or weeks instead of months.
- Choice: The ability to choose your surgeon, hospital, and even the time of your treatment.
- Comfort: Access to private hospitals with private rooms, offering a more comfortable and restful environment for recovery.
- Advanced Treatments: Access to new drugs or therapies that may not yet be available on the NHS due to funding constraints.
For someone running a business or in a demanding career, getting a diagnosis and treatment quickly isn't a luxury; it's essential. It's the difference between a few weeks of disruption and a year of uncertainty and pain that could derail your entire life's momentum.
The Added Value: Integrated Wellness and Support
Leading insurers now bundle an incredible array of support services with their protection policies, often at no extra cost. These aren't just gimmicks; they are genuinely useful tools that promote proactive health management:
- Virtual GP Services: 24/7 access to a GP via phone or video call, allowing you to get advice and prescriptions without waiting for an appointment.
- Mental Health Support: Access to confidential counselling and therapy sessions to help manage stress, anxiety, and other mental health challenges.
- Physiotherapy and Rehabilitation: Services to help you recover from injuries more quickly.
- Second Medical Opinions: The ability to have your diagnosis and treatment plan reviewed by a world-leading expert.
At WeCovr, we believe in going a step further. We understand that proactive health is the cornerstone of a fulfilling life. That's why, in addition to finding you the perfect insurance policy, we provide our clients with complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app. It's our way of investing in your long-term wellbeing, helping you build healthy habits that can reduce your risk of future illness.
Your Blueprint for Action: A Step-by-Step Guide to Building Resilience
Feeling motivated? Excellent. Here’s how to translate that motivation into a concrete plan.
Step 1: Conduct a Financial Health Check You can't protect what you don't understand. Sit down and get a clear picture of your finances.
- Income: What is your monthly take-home pay?
- Outgoings: What are your essential costs (mortgage/rent, utilities, food, transport) and discretionary spending?
- Debts: List all mortgages, loans, and credit card balances.
- Savings: What do you have in your emergency fund? How many months of expenses could it cover?
Step 2: Identify Your Vulnerabilities Ask yourself the tough questions:
- "If my income stopped tomorrow, what would happen in week one? Month one? Month six?"
- "Who depends on me financially?" (Partner, children, ageing parents)
- "What is my biggest financial liability?" (For most, it's the mortgage).
Step 3: Define What You Want to Protect Get specific. Your goal isn't just "to be insured." It is:
- "To ensure my mortgage is paid off if I die."
- "To guarantee I receive at least £2,000 a month if I can't work."
- "To have a £50,000 lump sum to fall back on if I'm diagnosed with a serious illness."
- "To protect my business from the financial fallout of me being out of action."
Step 4: Seek Independent, Expert Guidance The UK insurance market is complex. There are dozens of providers, each with different products, definitions, and pricing. Trying to navigate this alone can be overwhelming and lead to costly mistakes—either by buying the wrong cover or no cover at all.
This is where a dedicated insurance broker like WeCovr becomes your most valuable partner. We don't work for an insurance company; we work for you.
- We Listen: We take the time to understand your unique situation, your goals, and your budget.
- We Compare: We use our expertise and technology to search the entire market, comparing policies from all the UK's leading insurers.
- We Explain: We demystify the jargon and explain the pros and cons of each option in plain English, ensuring you make a fully informed decision.
- We Support: From application to claim, we are with you every step of the way.
Conclusion: Build Your Foundation, Then Reach for the Sky
Personal growth is a journey of ambition, learning, and striving. But the most successful journeys are not undertaken with blind optimism. They are undertaken with a smart, strategic plan that accounts for potential challenges.
Financial protection is not an admission of fear; it is an act of empowerment. It is the ultimate life accelerator. It's the security that allows a freelancer to say no to a bad client. It's the confidence that allows an entrepreneur to invest in their business. It's the peace of mind that allows a parent to be fully present with their children.
By building your fortress of financial resilience—with Income Protection, Life and Critical Illness Cover, and other tailored solutions— you are not preparing for the worst. You are creating the unshakeable foundation that gives you the freedom to build your best. You are clearing the path of financial worry so you can focus on what truly matters: living a full, ambitious, and unburdened life.
I'm young and healthy, do I really need this kind of insurance now?
What's the main difference between Income Protection and Critical Illness Cover?
Income Protection is designed to replace your monthly salary if you're unable to work due to any illness or injury (subject to policy terms). It pays a regular monthly income, often until you return to work or retire. It covers a broad range of situations, from a bad back preventing a builder from working to long-term chronic fatigue.
Critical Illness Cover pays a one-off, tax-free lump sum upon diagnosis of a specific, serious condition listed in the policy (like cancer, heart attack, or stroke). This lump sum is for you to use as you see fit—to pay off a mortgage, cover medical costs, or adapt your home. Many people have both, as they cover different financial needs during a health crisis.
I'm self-employed. What cover should I prioritise?
Is it true that insurers try to avoid paying claims?
How can WeCovr help me find the right policy when there are so many options?
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!