Secure Your Growth: The Resilience Blueprint
The Unshakeable Foundation: Why True Personal Growth, Deep Relationships, and Lasting Well-being Depend on Proactive Financial and Health Resilience. Uncover How Essential Protection Products – from Family Income Benefit and Income Protection for everyday professionals, to specialised Personal Sick Pay for electricians and nurses, and crucial Life & Critical Illness Cover alongside strategic Gift Inter Vivos – aren’t just insurance, but the catalysts for an uninterrupted future. As 2025 health forecasts, echoing insights from Macmillan Cancer Support, highlight that approximately 1 in 2 people in the UK will likely be diagnosed with cancer in their lifetime, discover how private health insurance offers a vital bridge to faster care, specialist access, and accelerated recovery, empowering your journey to a fully lived life.
We all strive for growth. Whether it's climbing the career ladder, nurturing our family, pursuing a passion, or simply becoming a better version of ourselves, the journey of life is one of forward momentum. Yet, this journey is rarely a straight line. Life, in its beautiful unpredictability, presents challenges—some small, some life-altering. The true measure of our ability to not just survive these challenges but to thrive despite them lies in a single, powerful concept: resilience.
Resilience isn't merely about bouncing back. It's about having an unshakeable foundation that allows you to weather any storm without derailing your life's trajectory. This foundation has two core pillars: your health and your finances. When one falters, the other is placed under immense strain, threatening the very stability of your world, your relationships, and your future ambitions.
Consider the stark reality presented by leading health bodies like Macmillan Cancer Support: an estimated one in two people in the UK will face a cancer diagnosis in their lifetime. This isn't a statistic to induce fear, but one to inspire action. It underscores the critical need to plan for possibilities, not just certainties.
This is where the conversation shifts from abstract hopes to concrete strategies. Financial protection products are not simply 'insurance policies'; they are the architectural components of your personal resilience blueprint. They are the safety nets, the support beams, and the financial buttresses that ensure a health crisis doesn't become a financial catastrophe. From Income Protection that safeguards your salary to Private Health Insurance that accelerates your treatment, these tools empower you to face the future with confidence, ensuring that your journey of growth, connection, and well-being continues, uninterrupted.
The Modern Dilemma: Why Our Best-Laid Plans Need a Safety Net
In today's fast-paced world, our financial lives are more complex and, in many ways, more fragile than ever before. The rising cost of living, significant mortgage or rent commitments, and the day-to-day expenses of raising a family mean that for most UK households, a consistent, uninterrupted income is not a luxury—it's essential.
The illusion of security can be shattered in an instant. An unexpected illness, a serious injury, or the sudden loss of a loved one can do more than cause emotional devastation; it can trigger a financial spiral that is difficult to escape.
The Precarious State of UK Savings
Recent data paints a sobering picture. According to the Money and Pensions Service, a significant portion of the UK population has less than £1,000 in savings. Many households are living paycheque to paycheque, with little to no buffer to handle a sudden loss of income.
- Statutory Sick Pay (SSP): While a vital baseline, SSP provides only a minimal income (£116.75 per week as of 2024/25) for a maximum of 28 weeks. For the vast majority of families, this is not enough to cover even the most basic outgoings like mortgage payments, utility bills, and food.
- The Domino Effect: A loss of income for even a few months can lead to depleted savings, mounting debt, and immense stress. This financial pressure can hinder recovery from illness and place an enormous strain on personal relationships.
This is the modern dilemma: we build our lives on the assumption of continuity, yet the foundations of that continuity—our health and our ability to earn—are inherently uncertain. Proactive planning isn't pessimism; it's the ultimate act of optimism. It's a declaration that you value your future, your family, and your peace of mind enough to protect them.
Demystifying Your Protection Toolkit: A Guide to the Essentials
Understanding the different types of protection available is the first step towards building your resilience blueprint. These products are not one-size-fits-all; they are specialised tools designed to address specific risks and needs. Let's break down the key components of a robust financial safety net.
Income Protection: Your Monthly Salary's Bodyguard
Arguably the bedrock of personal financial planning, Income Protection (IP) is designed to do one thing brilliantly: replace a significant portion of your monthly income if you are unable to work due to illness or injury.
How does it work? If you're signed off work by a doctor, after a pre-agreed waiting period (known as the 'deferment period'), the policy starts paying you a regular, tax-free monthly income. This continues until you can return to work, the policy term ends, or you retire, whichever comes first.
- Who is it for? Virtually every working adult who relies on their income to maintain their lifestyle. From office workers and teachers to the self-employed, if your income stopped, IP is your personal safety net.
- Key Features to Understand:
- Deferment Period: This can range from 4 weeks to 12 months. The longer you can wait before the payments start (perhaps by using savings or sick pay from your employer), the lower your monthly premium will be.
- Level of Cover: You can typically cover 50-70% of your gross salary. This is designed to replace your take-home pay while still providing an incentive to return to work.
- Definition of Incapacity: This is crucial. The best policies use an 'Own Occupation' definition, meaning the policy will pay out if you are unable to do your specific job. Other definitions like 'Suited Occupation' or 'Any Occupation' are less comprehensive and may not pay out if the insurer believes you could do a different type of work.
A Tale of Two Scenarios: SSP vs. Income Protection
| Feature | Statutory Sick Pay (SSP) | Income Protection (IP) |
|---|---|---|
| Payment Amount | £116.75 per week (fixed) | Typically 50-70% of your gross salary |
| Payment Duration | Maximum 28 weeks | Can pay out until retirement age |
| Tax Status | Taxable | Tax-free |
| Eligibility | Basic employee criteria | Policy terms (health/lifestyle) |
| Purpose | Basic short-term state support | Long-term lifestyle maintenance |
Imagine a 35-year-old graphic designer earning £45,000 a year who suffers a repetitive strain injury so severe she cannot use a computer for 18 months. With only SSP, her income would plummet, creating immense stress. With a good Income Protection policy, she would receive a tax-free monthly income of around £2,200, allowing her to focus entirely on her recovery without worrying about losing her home.
Family Income Benefit: A Stream of Support When It's Needed Most
Traditional life insurance often pays out a single, large lump sum. While incredibly valuable, managing a huge sum of money while grieving can be an overwhelming responsibility. Family Income Benefit (FIB) offers a practical and intuitive alternative.
How does it work? Instead of a lump sum, FIB pays out a regular, tax-free monthly or annual income to your dependents if you pass away during the policy term. You choose the term to match your family's needs—for example, until your youngest child is expected to be financially independent.
- Who is it for? It's a perfect fit for young families with ongoing financial commitments like a mortgage, rent, childcare costs, and school fees. It essentially replaces the deceased parent's lost monthly income, making budgeting simple and stress-free for the surviving partner.
- Why it's so powerful: It provides stability and normalcy during a time of immense upheaval. The surviving partner doesn't have to become an investment expert overnight; they can simply use the monthly income to pay the bills and maintain the family's standard of living.
Life & Critical Illness Cover: The Dual Shield for Life's Gravest Challenges
This is one of the most well-known protection products, and for good reason. It provides a financial cushion against two of life's most feared events: a serious illness or death.
How does it work? This is often a combined policy, but the two parts can be bought separately.
- Life Cover: Pays out a tax-free lump sum to your beneficiaries if you die during the policy term. This is commonly used to pay off a mortgage, clear other debts, and provide a legacy for loved ones.
- Critical Illness Cover (CIC): Pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious conditions defined in the policy.
The "big three" conditions that account for the vast majority of CIC claims are cancer, heart attack, and stroke. With the stark forecast that 1 in 2 people in the UK will get cancer in their lifetime, the relevance of this cover cannot be overstated.
How a CIC Payout Provides Breathing Space:
A critical illness diagnosis is a whirlwind. A lump sum payout allows you to take control when everything else feels out of control. It can be used for:
- Clearing your mortgage, removing the biggest financial burden.
- Replacing lost income if you need to take an extended period off work.
- Paying for private medical treatment or specialist therapies not available on the NHS.
- Making adaptations to your home (e.g., a wheelchair ramp).
- Simply taking time off with your family to focus on recovery without financial worry.
Top Reasons for Critical Illness Claims in the UK
Based on data from the Association of British Insurers (ABI), the landscape of claims consistently highlights the importance of this cover.
| Rank | Condition | Percentage of Claims (Approx.) |
|---|---|---|
| 1 | Cancer | ~60% |
| 2 | Heart Attack | ~10% |
| 3 | Stroke | ~5% |
| 4 | Multiple Sclerosis | ~4% |
| 5 | Benign Brain Tumour | ~3% |
Personal Sick Pay: Tailored Protection for Hands-On Professionals
While similar to Income Protection, Personal Sick Pay policies are often structured to meet the specific needs of those in manual trades or roles where any injury can mean an immediate stop to earnings.
- Who is it for? Electricians, plumbers, builders, scaffolders, but also nurses, dentists, and freelancers who cannot work from home with an injury.
- Key Differences:
- Shorter Deferment Periods: Many policies offer 'Day 1' or 'Week 1' cover, recognising that these professionals often have no employer sick pay to fall back on.
- Shorter-Term Payouts: They typically pay out for 12, 24, or 52 weeks per claim, designed to cover recovery from common injuries and illnesses rather than permanent disability.
- Simpler Underwriting: The application process can sometimes be more straightforward than for long-term IP.
For a self-employed electrician, a broken wrist isn't a minor inconvenience; it's a complete shutdown of their business. A Personal Sick Pay policy provides an immediate financial lifeline, covering bills while they heal.
Gift Inter Vivos: Smart Inheritance Tax Planning for Your Legacy
As you build wealth, thought naturally turns to how you can pass it on to your children or grandchildren efficiently. Gifting assets during your lifetime is a popular and effective way to reduce a future Inheritance Tax (IHT) bill. However, it comes with a crucial rule.
How does it work? When you give a gift (of cash or assets) to an individual, it is known as a Potentially Exempt Transfer (PET). If you live for seven years after making the gift, it falls completely outside of your estate for IHT purposes. However, if you die within those seven years, the gift becomes taxable on a sliding scale.
A Gift Inter Vivos policy is a specific type of life insurance designed to solve this problem. It's a term assurance policy where the sum assured decreases over the seven-year period, mirroring the declining IHT liability on the gift. If you die within the seven years, the policy pays out to cover the exact IHT bill, ensuring your beneficiaries receive the full value of your original gift.
- Who is it for? Anyone making substantial gifts as part of their estate planning who wants to guarantee the full value is passed on, no matter what happens.
The Business Owner's Resilience Blueprint: Protecting Your Enterprise
For company directors, entrepreneurs, and the self-employed, resilience has a dual meaning: it's about protecting both their personal finances and the health of their business. A personal crisis can quickly become a business crisis, and vice-versa. Specialised business protection is therefore not a luxury, but a cornerstone of sustainable success.
Key Person Insurance: Safeguarding Your Most Valuable Asset
What is the most valuable asset in your business? It might not be your machinery or your intellectual property; it's likely a person. This could be a founder with the vision, a salesperson with all the key client relationships, or a technical expert whose skills are irreplaceable.
How does it work? The business takes out a life and/or critical illness policy on this 'key person'. The business pays the premiums and is the beneficiary of the policy. If the key person dies or suffers a critical illness, the policy pays a lump sum to the business.
This cash injection provides vital stability, allowing the company to:
- Recruit and train a suitable replacement.
- Cover lost profits during the period of disruption.
- Reassure lenders, investors, and clients that the business can continue.
- Repay outstanding director's loans or other business debts.
Without it, the loss of a key individual can be a fatal blow, especially for a small or medium-sized enterprise (SME).
Executive Income Protection: A Director's Perk with Powerful Protection
This is a standard Income Protection policy with a crucial difference: it's owned and paid for by the director's limited company, for the benefit of that director.
Why is this a smart strategy?
- Tax Efficiency: The monthly premiums paid by the company are typically treated as an allowable business expense, reducing the company's corporation tax bill.
- Comprehensive Cover: It provides the director with a personal income if they are unable to work, protecting their family's finances.
- Attraction & Retention: Offering this level of protection can be a valuable part of a director's remuneration package, helping to attract and retain top talent.
For a small consultancy or a growing start-up, ensuring the directors' incomes are protected is fundamental to business continuity. Here at WeCovr, we often help business owners structure these policies to be both tax-efficient and robust, providing peace of mind for the individual and the enterprise.
Bridging the Gap: The Crucial Role of Private Health Insurance in a Modern UK
The National Health Service is one of the UK's greatest achievements, providing exceptional care to millions. However, the system is under unprecedented strain. Post-pandemic backlogs and ongoing demand have led to significant waiting lists for consultations, diagnostics, and elective procedures.
According to the latest data from NHS England, millions of people are waiting for routine treatment. While urgent care remains world-class, waiting for a hip replacement, cataract surgery, or even diagnostic scans can mean months of pain, discomfort, and uncertainty. This is where Private Health Insurance (PMI), also known as Private Medical Insurance, plays a vital role.
PMI is not a replacement for the NHS; it's a complementary tool that gives you choice, speed, and control.
The Key Benefits of Private Health Insurance:
- Speed of Access: This is the primary driver for most people. PMI allows you to bypass lengthy NHS waiting lists for diagnosis and treatment, often reducing waiting times from many months to just a few weeks.
- Choice and Control: You can often choose the specialist consultant who treats you and the hospital where you receive your care.
- Access to Specialist Care: Some policies provide access to the latest drugs, treatments, and therapies that may not yet be available on the NHS due to cost or other commissioning decisions.
- Comfort and Privacy: Treatment is usually provided in a private hospital with your own en-suite room, offering a more comfortable and restful environment for recovery.
The Resilience Connection: Think back to the core theme of an uninterrupted life. A faster diagnosis and speedier treatment mean less time off work, a quicker return to your family and hobbies, and a significant reduction in the mental and physical toll of waiting. For a self-employed person, this can be the difference between their business surviving or failing. For a parent, it's more quality time with their children. PMI is a direct investment in accelerating your recovery and maintaining your life's momentum.
NHS vs. Private Healthcare: A Typical Patient Journey (e.g., Knee Surgery)
| Stage | NHS Pathway | Private Health Insurance Pathway |
|---|---|---|
| GP Referral | Referred to local NHS Trust. | GP provides an 'open referral'. |
| Consultation | Wait for appointment with NHS consultant. (Weeks to months) | Choose and see a specialist within days. |
| Diagnostics | Wait for MRI/scans on the NHS. (Weeks) | Scans often done within a week. |
| Treatment | Placed on the surgical waiting list. (Months to over a year) | Surgery scheduled at a convenient time, usually within weeks. |
| Hospital Stay | On a general ward. | Private en-suite room. |
| Post-Op Care | Standard NHS physiotherapy. | Often includes a more extensive package of post-op care. |
Beyond Insurance: Cultivating a Holistic Resilience Mindset
While a robust financial safety net is essential, true resilience is also built from within. Cultivating healthy habits not only improves your quality of life but can also reduce your risk of developing certain health conditions in the first place. This proactive approach to well-being works hand-in-hand with your financial plan.
The Four Pillars of Personal Well-being
- Diet & Nutrition: A balanced diet rich in whole foods, fruits, and vegetables is fundamental to good health. It supports your immune system, maintains a healthy weight, and reduces the risk of chronic diseases. Small changes can have a big impact. As part of our commitment to our clients' overall well-being, WeCovr provides complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, helping you make informed choices every day.
- Physical Activity: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This doesn't have to mean gruelling gym sessions. A brisk daily walk, a cycle ride, or a dance class can boost cardiovascular health, improve mood, and increase energy levels.
- Sleep Hygiene: Sleep is not a luxury; it's a critical biological function. Aim for 7-9 hours of quality sleep per night. A consistent sleep schedule, a dark and quiet room, and avoiding screens before bed can dramatically improve your physical and mental restoration.
- Mental & Emotional Health: In a world of constant pressure, managing stress is vital. Practices like mindfulness, meditation, spending time in nature, and maintaining strong social connections are powerful tools for building mental resilience. Don't be afraid to seek support from friends, family, or professionals when you need it.
Adopting these pillars doesn't make you invincible, but it puts you in the strongest possible position to face life's challenges. It's one half of the resilience equation; your financial protection plan is the other.
Navigating the Market: How to Build Your Personalised Resilience Plan
Building your protection portfolio can seem daunting, but it can be broken down into simple, logical steps.
- Assess Your Needs: This is the foundation. Take a clear-eyed look at your finances. What are your monthly outgoings? What debts do you have (especially your mortgage)? How many people depend on your income? How much would your family need to live comfortably if you were no longer around or able to work?
- Understand the Options: Use the guide above to identify which products are most relevant to your situation. A young family might prioritise Income Protection and Family Income Benefit. Someone later in life might focus on Critical Illness Cover and IHT planning. A business owner needs to consider Key Person and Executive IP.
- Get Independent, Expert Advice: This is the most important step. The protection market is vast and complex, with dozens of providers all offering policies with subtle but critical differences in their terms and conditions.
Trying to navigate this alone can lead to buying the wrong cover, or worse, a policy that doesn't pay out when you need it most. An independent broker works for you, not the insurance company.
As expert protection brokers, WeCovr has a duty of care to our clients. We take the time to understand your unique circumstances, your budget, and your priorities. We then use our expertise to search the entire market—including major insurers like Aviva, Legal & General, Zurich, and Vitality—to find the products and providers that offer the most comprehensive and best-value cover for your specific needs. We handle the paperwork and ensure your application is presented in the best possible light, giving you the highest chance of securing the protection that forms your unshakeable foundation.
Conclusion: From Blueprint to Reality – Building Your Unshakeable Future
Personal growth, deep relationships, and lasting well-being aren't built on hope alone. They are built on a foundation of security and stability. In a world of uncertainty, creating that security is an active choice—a decision to be proactive, not reactive.
Your resilience blueprint is a deeply personal plan that combines a commitment to your own health with a smart, robust financial safety net. Protection products are the tools that allow you to construct this net. They are your guarantee that an unexpected illness, injury, or loss will not derail your life's ambitions or jeopardise your family's future.
Investing in protection is not an expense. It is an investment in continuity. It's the ultimate enabler, giving you the freedom and peace of mind to pursue your goals, cherish your relationships, and live your life to the fullest, safe in the knowledge that you have an unshakeable foundation beneath you.
Is life insurance expensive?
Do I need income protection if I have savings?
What's the difference between 'reviewable' and 'guaranteed' premiums?
Can I get cover if I have a pre-existing medical condition?
Why should I use a broker like WeCovr instead of going direct to an insurer?
- Whole-of-Market Access: We compare policies and prices from all major UK insurers to find the best fit.
- Expert Advice: We translate the jargon and explain the crucial differences in policy definitions (like 'own occupation' for income protection) to ensure you get the right cover.
- Application Support: We help you complete the forms correctly, which is vital for ensuring any future claim is paid.
- Claims Assistance: If the worst happens, we can be there to help and support your family through the claims process.
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!