Secure Your Growth: The Freedom Blueprint
TL;DR
The Unseen Foundation of True Thriving: How Strategic Financial and Health Protection, Including Income Protection, Critical Illness Cover, and Tailored Personal Sick Pay for Our Nurses, Tradespeople, and Electricians, Unlocks Unprecedented Personal Growth and Resilience, Empowering You to Live Fully Even as 2025 Projections Indicate 1 in 2 UK Individuals Will Face a Cancer Diagnosis and Private Health Insurance Offers Vital Complementary Care. We all aspire to grow, to thrive, and to build a life of purpose and freedom. We chase career goals, build businesses, nurture families, and plan for a future filled with possibility.
Key takeaways
- The Cancer Statistic: As mentioned, Cancer Research UK's projection that 1 in 2 of us will face a cancer diagnosis is a powerful call to action. Survival rates are improving, which is fantastic news. However, this often means a longer period of treatment and recovery, leading to extended time off work and a significant impact on income.
- Beyond Cancer: Heart attacks, strokes, and debilitating musculoskeletal conditions are also major causes of long-term absence from work. The Association of British Insurers (ABI) consistently reports that millions are paid out each year for these conditions under protection policies.
- The Sick Pay Gap: If you were unable to work tomorrow due to illness, how long would you be paid? For many, the answer is alarmingly short. Statutory Sick Pay (SSP) in the UK stands at a mere £116.75 per week (2024/25 rate). Could your household survive on that? For the UK's 4.3 million self-employed individuals (ONS, 2024), there is no sick pay at all.
- Benefit Amount: You can typically cover up to 50-70% of your gross monthly income. This ensures you can meet your essential outgoings without financial hardship.
- Deferment Period: This is the waiting period from when you stop work to when the policy starts paying out. It can range from 4 weeks to 12 months. The longer the deferment period you choose, the lower your premium. A common strategy is to align it with your employer's sick pay period.
The Unseen Foundation of True Thriving: How Strategic Financial and Health Protection, Including Income Protection, Critical Illness Cover, and Tailored Personal Sick Pay for Our Nurses, Tradespeople, and Electricians, Unlocks Unprecedented Personal Growth and Resilience, Empowering You to Live Fully Even as 2025 Projections Indicate 1 in 2 UK Individuals Will Face a Cancer Diagnosis and Private Health Insurance Offers Vital Complementary Care.
We all aspire to grow, to thrive, and to build a life of purpose and freedom. We chase career goals, build businesses, nurture families, and plan for a future filled with possibility. Yet, in our pursuit of these visible milestones, we often overlook the invisible foundation upon which they all rest: our health and our ability to earn an income.
Imagine a blueprint for your life. It details your ambitions, your dreams, and the steps you'll take to achieve them. Now, imagine that this blueprint has no contingency plan for the unexpected. A sudden illness, a serious accident – these are the seismic shocks that can cause even the most ambitious structures to crumble.
This is where strategic financial and health protection comes in. It is not an expense; it is an investment in your resilience. It's the unseen foundation that ensures that a health crisis does not become a financial catastrophe. It's the freedom to focus on recovery without the crippling anxiety of bills piling up. It’s the permission to continue dreaming, planning, and growing, knowing you have a safety net woven from foresight and prudence.
The need for this foundation has never been more acute. Projections from Cancer Research UK soberingy predict that by 2025, one in every two people in the UK will be diagnosed with some form of cancer in their lifetime. While medical advancements offer more hope than ever, the journey of diagnosis, treatment, and recovery can place an immense strain on your finances and your family.
This guide is your blueprint to freedom. We will explore the critical tools at your disposal – from Income Protection and Critical Illness Cover to specialised Personal Sick Pay for our invaluable tradespeople and nurses. We will also demystify how these policies work in harmony with Private Medical Insurance and how business owners can forge an ironclad shield around their enterprises. This is your path to securing not just your finances, but your freedom to thrive, no matter what life throws your way.
The Stark Reality: Why A 'Wait and See' Approach is a Gamble You Can't Afford
Hope is a wonderful human trait, but it is not a financial strategy. Relying on the notion that "it won't happen to me" is one of the riskiest gambles a person can take with their future and the wellbeing of their loved ones.
Let's look at the facts.
- The Cancer Statistic: As mentioned, Cancer Research UK's projection that 1 in 2 of us will face a cancer diagnosis is a powerful call to action. Survival rates are improving, which is fantastic news. However, this often means a longer period of treatment and recovery, leading to extended time off work and a significant impact on income.
- Beyond Cancer: Heart attacks, strokes, and debilitating musculoskeletal conditions are also major causes of long-term absence from work. The Association of British Insurers (ABI) consistently reports that millions are paid out each year for these conditions under protection policies.
- The Sick Pay Gap: If you were unable to work tomorrow due to illness, how long would you be paid? For many, the answer is alarmingly short. Statutory Sick Pay (SSP) in the UK stands at a mere £116.75 per week (2024/25 rate). Could your household survive on that? For the UK's 4.3 million self-employed individuals (ONS, 2024), there is no sick pay at all.
This isn't about fear; it's about facts. Acknowledging these realities is the first step toward empowerment. By understanding the potential risks, you can take proactive, intelligent steps to mitigate them.
Real-Life Impact: A Tale of Two Scenarios
Scenario 1: Without Protection Sarah, a 42-year-old marketing consultant, is diagnosed with a critical illness. She has no specific cover. Her employer's sick pay runs out after one month. She then moves onto SSP. Her mortgage payments, utility bills, and food costs quickly exhaust her savings. The stress of her financial situation hampers her recovery. Her family faces immense pressure, and they are forced to make difficult decisions about selling assets.
Scenario 2: With Protection David, a 42-year-old graphic designer, faces the same diagnosis. However, a few years prior, he had set up a Critical Illness policy and an Income Protection plan. Upon diagnosis, his Critical Illness policy pays out a tax-free lump sum of £100,000. He uses this to clear his mortgage, eliminating his largest monthly outgoing. After his 3-month deferment period, his Income Protection policy begins paying him £2,500 a month, allowing him to cover his bills and focus entirely on his treatment and recovery, free from financial worry.
The diagnosis was the same. The outcome, in terms of quality of life and peace of mind, was worlds apart.
The Three Pillars of Personal Protection
Think of your financial safety net as being supported by three core pillars. Each serves a different purpose, but together they create a robust structure that can withstand significant shocks.
Pillar 1: Income Protection (IP) - Your Monthly Salary Lifeline
This is arguably the bedrock of all financial protection. Your ability to earn an income is your single most valuable asset. Income Protection is designed to protect it.
What is it? Income Protection is an insurance policy that pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury that prevents you from doing your job. It continues to pay out until you can return to work, reach retirement age, or the policy term ends, whichever comes first.
Key Features to Understand:
- Benefit Amount: You can typically cover up to 50-70% of your gross monthly income. This ensures you can meet your essential outgoings without financial hardship.
- Deferment Period: This is the waiting period from when you stop work to when the policy starts paying out. It can range from 4 weeks to 12 months. The longer the deferment period you choose, the lower your premium. A common strategy is to align it with your employer's sick pay period.
- Definition of Incapacity: This is crucial. The best policies use an 'Own Occupation' definition. This means the policy will pay out if you are unable to do your specific job. Less comprehensive definitions like 'Suited Occupation' or 'Any Occupation' are stricter and may not pay out if you could, for example, work in a different, lower-paid role.
| Feature | Description | Why it Matters |
|---|---|---|
| Own Occupation | Pays out if you can't do your specific job. | The gold standard. Essential for specialised roles like surgeons or electricians. |
| Deferment Period | The waiting time before payments start. | Align with your savings/sick pay to manage costs effectively. |
| Benefit Level | The % of your income you receive. | Needs to be enough to cover your essential monthly outgoings. |
| Payment Period | How long the policy pays out for. | Can be a set number of years or until retirement age for maximum security. |
Pillar 2: Critical Illness Cover (CIC) - The Financial First Aid Kit
While Income Protection replaces your ongoing salary, Critical Illness Cover provides a one-off, tax-free lump sum if you are diagnosed with one of a list of specified serious conditions.
What is it? A policy that pays out a cash sum on the diagnosis of a defined critical illness. The "big three" covered by almost all policies are cancer, heart attack, and stroke, but modern policies can cover 50+ conditions, including multiple sclerosis, kidney failure, and major organ transplant.
How can the lump sum be used? The beauty of CIC is its flexibility. The money is yours to use as you see fit.
- Pay off a mortgage or other debts: Instantly reduce your monthly financial pressures.
- Cover medical costs: Access private treatment, specialist therapies, or consultations not readily available on the NHS.
- Make lifestyle adaptations: Modify your home (e.g., install a stairlift) or purchase a more suitable vehicle.
- Replace lost income: Provide a financial buffer for you or a partner who may need to take time off work to care for you.
- Fund a recuperation period: Take a holiday or a sabbatical to focus on your wellbeing after treatment.
Pillar 3: Life Insurance - Protecting Your Legacy
Life Insurance is the most well-known form of protection. Its purpose is simple but profound: to provide a financial cushion for your loved ones if you are no longer around.
What is it? A policy that pays out a lump sum (or a regular income) upon the policyholder's death.
Main Types:
- Term Life Insurance: Provides cover for a fixed period (the 'term'), for example, until your children are financially independent or your mortgage is paid off. It's the most affordable type of life cover.
- Whole of Life Insurance: As the name suggests, this policy covers you for your entire life and guarantees a payout whenever you die. It's often used for estate planning and covering inheritance tax liabilities.
- Family Income Benefit: A variation of term insurance. Instead of a single lump sum, it pays out a regular, tax-free income to your family from the time of the claim until the end of the policy term. This can be easier to manage than a large lump sum and effectively replaces a lost salary.
Specialised Protection: Cover for Those Who Care for Us and Build Our World
Standard insurance policies are excellent, but some professions carry unique risks that require a more tailored approach. Our nurses, who work tirelessly on the front lines of healthcare, and our tradespeople—the electricians, plumbers, and builders who maintain the very fabric of our society—are prime examples.
Personal Sick Pay: The Tradesperson's and Nurse's Shield
These roles are often physically demanding, involve higher-than-average stress levels, and carry an increased risk of injury. A plasterer falling from a ladder or a nurse suffering from burnout and severe stress are very real scenarios.
For these individuals, a full Income Protection policy can sometimes be more expensive due to their occupation's risk classification. This is where Personal Sick Pay (also known as Accident, Sickness & Unemployment cover) comes in.
What is it? Personal Sick Pay is a type of short-term income protection. It's designed to be a more accessible and often more affordable solution for those in manual or higher-risk jobs.
How does it differ from traditional Income Protection?
| Feature | Traditional Income Protection | Personal Sick Pay |
|---|---|---|
| Payment Period | Long-term (often until retirement) | Short-term (typically 12, 18, or 24 months per claim) |
| Underwriting | Full medical underwriting | Simpler, often with fewer medical questions |
| Occupation Class | Can be expensive for manual trades | Specifically designed and priced for these roles |
| Main Purpose | Covers long-term, career-ending disability | Covers shorter-term absences to get you back on your feet |
For an electrician who suffers an injury and needs 6 months to recover, a Personal Sick Pay policy is a perfect lifeline. It bridges the gap, covers their bills, and allows them to return to work without having to burn through their business or personal savings. It's a pragmatic, effective tool for a specific need.
At WeCovr, we understand that one size does not fit all. We specialise in helping tradespeople, nurses, and other vital professionals find the right blend of cover, whether it’s a robust long-term IP plan or a more targeted Personal Sick Pay policy, by comparing options from across the UK market.
The Business Owner's Fortress: Protecting Your Company and Yourself
For company directors, freelancers, and the self-employed, the line between personal and business finance is often blurred. A personal health crisis can quickly become a business catastrophe. Fortunately, there are highly tax-efficient, business-focused protection solutions available.
Executive Income Protection
This is essentially Income Protection owned and paid for by your limited company, for you as an employee/director.
The Advantages:
- Tax Efficiency: The premiums are typically considered a legitimate business expense, meaning they can be offset against your corporation tax bill.
- No P11D Benefit: Unlike a company car, it is not usually treated as a P11D benefit-in-kind, so there's no extra income tax for the director to pay.
- Comprehensive Cover: It offers the same high-quality, long-term protection as a personal plan, often with more generous benefit limits.
This is a powerful tool for any director wanting to secure their income in the most tax-efficient way possible.
Key Person Insurance
Who is the most important person in your business? Is it the top salesperson who brings in 60% of the revenue? The technical director with the unique knowledge? Or you, the founder?
What is it? Key Person Insurance is a life insurance or critical illness policy taken out by the business on a 'key' individual. If that person dies or suffers a critical illness, the policy pays out a lump sum to the business.
How does the business use the money?
- Recruit a replacement: Cover the costs of a headhunter and the higher salary needed to attract a talented replacement.
- Cover lost profits: Inject cash to stabilise the business during the turbulent period following the loss of the key person.
- Reassure lenders and investors: Show that the business has a contingency plan and can service its debts.
- Wind down the business: In a worst-case scenario, provide the funds to close the business in an orderly fashion without creating personal debt.
Relevant Life Cover
Many small businesses want to offer their employees a 'death-in-service' benefit but find traditional group schemes too complex or expensive. Relevant Life Cover is the solution.
What is it? It's a standalone death-in-service policy for an individual employee (including a director). It's paid for by the business but pays out to the employee's family via a trust.
The Key Benefits:
- Tax-Efficient: The premiums are a tax-deductible business expense.
- No Benefit-in-Kind: It's not a P11D benefit for the employee.
- Trust-Based Payout: The benefit is paid into a trust, meaning it doesn't form part of the deceased's estate and is therefore not normally subject to Inheritance Tax.
For a director, this is a way to provide substantial life cover for their family, paid for by their company, with significant tax advantages over a personal policy.
The Synergy of Health: How Protection and Private Medical Insurance Work Together
A common point of confusion is the difference between protection insurance (like CIC and IP) and Private Medical Insurance (PMI). They are not interchangeable; they are complementary parts of a complete health and wellness strategy.
- Private Medical Insurance (PMI): This pays for the cost of treatment. It gives you access to private doctors, hospitals, and specialists, helping you bypass NHS waiting lists and receive treatment quickly.
- Critical Illness Cover (CIC): This pays you a tax-free lump sum to deal with the financial consequences of a serious illness. It covers things PMI doesn't, like your mortgage, bills, or lost family income.
- Income Protection (IP): This replaces your lost monthly salary when you're unable to work. It's the policy that keeps your household running month after month.
Think of it like this:
| Scenario: You need major heart surgery | How each policy helps |
|---|---|
| PMI | Pays for the private cardiologist, the hospital stay, and the surgeon's fees. You get treated in a matter of weeks, not months. |
| CIC | Your policy pays a lump sum of £75,000. You use it to pay for a private cardiac rehab programme and cover your spouse's lost income as they take 3 months off to support you. |
| IP | After your 12-week deferment period, your policy starts paying you £3,000 a month, ensuring your bills are paid while you focus on a full recovery, which takes 9 months. |
Together, they form a seamless web of support. PMI gets you treated, while CIC and IP handle the financial shockwaves, allowing you to recover with complete peace of mind.
A Holistic Blueprint: Integrating Wellness into Your Protection Strategy
True resilience isn't just about having the right insurance. It's about building a life that is physically, mentally, and financially robust. A proactive approach to your health can reduce your risk of needing to claim, and it enhances your overall quality of life.
The Four Pillars of Wellness
- Nutrition: A balanced diet rich in whole foods, fruits, and vegetables is foundational to good health. Staying hydrated and minimising processed foods can have a significant impact on your energy levels and long-term disease risk.
- Activity: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This doesn't have to mean gruelling gym sessions. Brisk walking, cycling, swimming, or even vigorous gardening all count. Regular movement boosts cardiovascular health, manages weight, and is a powerful mood enhancer.
- Sleep: Quality sleep is not a luxury; it is a biological necessity. Aim for 7-9 hours per night. Poor sleep is linked to a host of health issues, including a weakened immune system, weight gain, and an increased risk of heart disease and diabetes.
- Mental Wellbeing: Chronic stress is a silent enemy. Incorporate stress-management techniques into your daily life. This could be mindfulness, meditation, yoga, spending time in nature, or simply dedicating time to hobbies you love. Don't be afraid to seek professional support if you are struggling.
At WeCovr, we believe in supporting our clients' holistic wellbeing. That's why, in addition to finding you the right protection plan, we provide our customers with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It’s a simple, effective tool to help you build healthier eating habits, demonstrating our commitment to your health long before you ever need to make a claim.
Building Your Freedom Blueprint: A Step-by-Step Guide
Feeling empowered to take action? Here’s how you can build your own personal protection foundation.
- Assess Your Situation: Take a clear-eyed look at your finances. What are your monthly outgoings? What debts do you have (mortgage, loans)? Who depends on you financially? This will determine how much cover you need.
- Review Your Existing Safety Net: What does your employer provide in terms of sick pay and death-in-service benefits? Do you have any existing policies? This will determine what gaps you need to fill.
- Prioritise Your Needs: If you're on a budget, you can't do everything at once. The universally agreed-upon priority for most working adults is Income Protection. Protecting your income protects your ability to pay for everything else. After that, consider your needs for Critical Illness and Life Cover based on your dependents and debts.
- Seek Independent, Expert Advice: The UK protection market is vast and complex. Policies, definitions, and prices vary enormously between insurers. Trying to navigate this alone can lead to costly mistakes, like choosing a policy with a poor definition of incapacity.
This is where working with an expert broker like WeCovr is invaluable. Our role is to understand your unique circumstances and then search the entire market on your behalf. We compare policies from all the major UK insurers to find the one that offers the right level of cover, with the right features, at the most competitive price. We handle the paperwork and make the entire process simple and clear.
- Review and Adapt: Your life isn't static, and neither is your blueprint. Get into the habit of reviewing your cover every few years, or after a major life event like getting married, buying a home, having a child, or starting a business. This ensures your protection continues to match your life.
Your future is too important to leave to chance. Building your freedom blueprint is one of the most profound acts of responsibility and self-care you can undertake. It is the ultimate investment in your peace of mind and your capacity to grow, thrive, and live your life to the fullest.
Is protection insurance like Income Protection and Critical Illness Cover expensive?
Do I need to take a medical exam to get cover?
Can I get cover if I have a pre-existing medical condition?
Do insurance companies actually pay out?
Why should I use a broker like WeCovr instead of going to an insurer directly?
What is Gift Inter Vivos insurance?
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!