Secure Your Potential: The Resilience Blueprint
Beyond Self-Help: How Proactive Financial Protection Unlocks Uninterrupted Personal Growth, Thriving Relationships, and True Life Freedom in an Unpredictable World. Discover why strategic planning with Family Income Benefit, Income Protection, Life and Critical Illness Cover, and specialized Personal Sick Pay for vital professions like tradespeople and nurses, isn't just about mitigating risk—it's about empowering your future. Learn how these essential safeguards, complemented by private health insurance for swifter, more comprehensive care, are becoming the ultimate tools for personal development, especially as health projections for 2025 warn that 1 in 2 people in the UK will face a cancer diagnosis in their lifetime. This is the new financial literacy: building a robust legacy, even through Gift Inter Vivos principles, to ensure your ambitions and loved ones are protected, no matter what life throws your way.
In our modern world, the pursuit of personal growth has become a central theme. We listen to podcasts on productivity, read books on cultivating a growth mindset, and invest in courses to upskill ourselves. Yet, in this commendable quest for self-improvement, a foundational pillar is often dangerously overlooked: financial resilience.
We build our ambitions, relationships, and aspirations like magnificent structures, but many of us are building them on sand. True freedom—the ability to pursue your potential without constraint, to nurture your relationships without financial friction, and to face the future with confidence—isn't just about mindset. It’s about creating an unshakeable foundation that can withstand the inevitable shocks and uncertainties of life.
This is where the conversation must evolve beyond traditional self-help. Proactive financial protection is not merely a 'safety net' for when things go wrong; it is a powerful catalyst for everything to go right. It's the engine of empowerment, the invisible architecture that supports your life's grand design.
With stark warnings from organisations like Cancer Research UK projecting that 1 in 2 people in the UK will be diagnosed with cancer in their lifetime, the need for this robust framework has never been more acute. This guide is your blueprint for resilience. It will show you how strategic planning with products like Income Protection and Critical Illness Cover is the new cornerstone of personal development, securing not just your finances, but your freedom to thrive.
The Modern Paradox: Investing in Growth, Neglecting the Foundation
There's a curious paradox at play in many of our lives. We meticulously plan our careers, our holidays, and our fitness regimes. We spend thoughtfully on organic food, gym memberships, and ethical investments. We are, in many ways, the most proactive generation in history when it comes to personal wellbeing.
Yet, when it comes to protecting the very engine that funds this lifestyle—our income and health—a collective blind spot appears. This is the "it won't happen to me" fallacy, a cognitive bias that leaves our most ambitious plans perilously exposed.
Consider this analogy: you wouldn't build your dream home without solid foundations. You wouldn't construct a skyscraper on a patch of sand. Yet, that is precisely what we do when we chase our life goals without a financial resilience plan.
The statistics paint a sobering picture of this vulnerability. A 2024 report from the Financial Conduct Authority (FCA) highlights that millions of UK adults have little to no financial resilience, with many unable to withstand even a small financial shock, let alone a prolonged period without income.
- The Savings Gap: Many households would exhaust their savings in a matter of weeks if their primary income were to stop.
- The Protection Gap: A significant percentage of families with dependent children have no life insurance, leaving them one tragic event away from financial devastation.
- The Income Shock: For the self-employed, a period of illness means an immediate and total loss of income, as Statutory Sick Pay is not an option.
This isn't about scaremongering; it's about a rational assessment of risk. Neglecting this foundation means that a single piece of bad news—an unexpected diagnosis, an accident, or a period of mental ill-health—can cause the entire structure of your life to crumble. Your career momentum halts, your relationships are strained by financial pressure, and your personal growth journey is derailed indefinitely.
Proactive protection transforms this scenario. It turns the sand beneath your feet into solid bedrock.
Redefining Insurance: From Grudge Purchase to Growth Catalyst
For too long, insurance has been viewed as a 'grudge purchase'—a necessary evil, an expense paid for something you hope you never have to use. It's time to fundamentally reframe this outdated perspective.
Financial protection is not an expense; it is an investment in your most valuable assets: your future, your peace of mind, and your uninterrupted progress. It’s a strategic tool that actively fuels your personal and professional growth in tangible ways.
1. It Reduces Your Mental Load: The human brain has a finite amount of cognitive bandwidth. When a portion of that bandwidth is constantly occupied by low-level anxiety—the "what if I get sick?" or "what would happen to my family?" questions—it detracts from your ability to focus, innovate, and perform at your peak. A robust protection plan silences this background noise, freeing up your mental energy to be channelled into your career, your creative pursuits, and your relationships.
2. It Empowers You to Take Calculated Risks: True growth often involves stepping outside your comfort zone. This could mean leaving a stable job to start your own business, taking a sabbatical to retrain, or moving across the country for a new opportunity. These ventures feel infinitely more achievable when you know that a health issue won't bankrupt your dream. Income Protection, in particular, acts as your personal financial co-pilot, giving you the confidence to make bold, life-enhancing decisions.
3. It Protects Your Relationships: Money is one of the leading causes of stress in relationships. A serious illness or the death of a partner can place an unimaginable emotional and financial strain on a family. Financial protection acts as a buffer, ensuring that during a time of crisis, your family can focus on healing and supporting one another, rather than worrying about how to pay the mortgage or buy groceries. It is an act of profound love and care.
By shifting our view, we see that these policies aren't just about mitigating disaster. They are about enabling success.
Your Personal Resilience Toolkit: A Deep Dive into Protection Products
Building your resilience blueprint requires the right tools. Each type of protection policy serves a unique and vital purpose. Understanding how they work, both individually and together, is the first step towards creating a comprehensive financial shield.
1. Income Protection (IP): The Cornerstone of Your Financial Life
If you were to list your most valuable assets, you might think of your house or your savings. But in reality, your single greatest asset is your ability to earn an income. Over a lifetime, this can amount to millions of pounds. Income Protection is the insurance for this asset.
What it is: A policy that pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury, after a pre-agreed waiting period. This income is typically paid until you can return to work, reach retirement age, or the policy term ends.
Why it's crucial: It replaces a portion of your lost salary, allowing you to continue paying your bills, mortgage, and other essential outgoings. It ensures that your life doesn't have to grind to a halt just because your work has.
Key features to understand:
- Deferment Period: The time between when you stop working and when the policy starts paying out (e.g., 4, 13, 26, or 52 weeks). The longer the deferment period, the lower the premium.
- Level of Cover: You can typically cover 50-70% of your gross annual income.
- 'Own Occupation' Definition: This is the gold standard. It means the policy will pay out if you are unable to do your specific job. Less comprehensive definitions ('suited occupation' or 'any occupation') may not pay out if the insurer believes you could do a different type of work.
| Feature Comparison | Short-Term IP / Personal Sick Pay | Full-Term Income Protection |
|---|---|---|
| Payout Duration | Limited period (e.g., 1, 2, or 5 years) | Until you recover or the policy ends |
| Best For | Covering immediate bills, budget-conscious | Comprehensive, long-term security |
| Typical User | Tradespeople, freelancers needing immediate cover | Professionals, primary breadwinners |
| Occupation Definition | Often broader definitions | Crucial to secure 'Own Occupation' |
2. Critical Illness Cover (CIC): A Financial Lifeline for Serious Health Events
While Income Protection shields your monthly cash flow, Critical Illness Cover provides a different kind of support.
What it is: A policy that pays out a tax-free lump sum on the diagnosis of a specified serious, but not necessarily fatal, illness listed in the policy.
The sobering reality: Cancer, heart attack, and stroke are the "big three" conditions that account for the vast majority of CIC claims. With the projection that 1 in 2 UK residents will face a cancer diagnosis, the relevance of this cover cannot be overstated.
How the lump sum is used: The freedom this money provides is immense. It can be used to:
- Pay off your mortgage or other significant debts.
- Cover the costs of private medical treatment or specialist therapies not available on the NHS.
- Adapt your home (e.g., install a ramp or stairlift).
- Allow a partner to take an extended period off work to provide care.
- Simply provide a financial cushion to remove all money-related stress during recovery.
| Common Conditions on a Comprehensive CIC Policy | ||
|---|---|---|
| Cancer (of specified severity) | Heart Attack | Stroke |
| Multiple Sclerosis | Kidney Failure | Major Organ Transplant |
| Parkinson's Disease | Motor Neurone Disease | Permanent Blindness |
Note: The number and definition of conditions covered vary significantly between insurers. It's vital to check the policy details.
3. Life Insurance: The Ultimate Act of Care for Your Loved Ones
Life insurance is perhaps the most well-known form of protection, designed to provide for your dependents after you're gone.
What it is: A policy that pays out a lump sum (the 'sum assured') upon the policyholder's death.
There are two main types of term insurance:
- Level Term Assurance: The payout amount remains the same throughout the policy term. This is ideal for covering an interest-only mortgage, providing a general family inheritance, or covering potential inheritance tax liabilities.
- Decreasing Term Assurance: The payout amount reduces over time, broadly in line with the outstanding balance of a repayment mortgage. It's a cost-effective way to ensure your family's home is secure.
4. Family Income Benefit (FIB): A Thoughtful Alternative
A brilliant but often overlooked alternative to a standard lump-sum life policy is Family Income Benefit.
What it is: Instead of a large, one-off payment, FIB pays out a regular, tax-free monthly or annual income to your family, from the time of the claim until the end of the policy term.
Why it's so effective: It's designed to directly replace the deceased's lost monthly salary. For a family suddenly having to manage their finances without their loved one, receiving a manageable monthly income can be far less daunting than being responsible for investing a huge lump sum. It makes budgeting simpler and provides sustained, predictable support during a difficult time.
Specialised Protection for the UK's Workforce Backbone
While the core principles of protection apply to everyone, certain professions have unique needs that require more tailored solutions.
For the Self-Employed and Freelancers
The freedom and flexibility of self-employment come with a significant trade-off: the complete absence of an employer-funded safety net. There is no sick pay, no death-in-service benefit, and no company health plan. This makes personal protection non-negotiable.
- Income Protection is essential: It becomes your personal sick pay scheme, providing the financial stability to recover without your business collapsing.
- Critical Illness Cover is vital: A lump sum can provide the capital to keep your business afloat (e.g., by hiring temporary help) while you focus on your health.
For Tradespeople (Electricians, Plumbers, Builders)
Tradespeople are the lifeblood of our economy, but their work often carries a higher risk of physical injury. An accident that might be an inconvenience for an office worker could be a career-ending event for a tradesperson.
- Personal Sick Pay Insurance: This is a form of short-term income protection that is particularly well-suited to the trades. It often offers 'day one' or 'week one' cover, meaning the deferment period is very short. This is crucial when even a few weeks without pay can cause serious financial hardship.
- 'Own Occupation' is critical: Ensure your policy covers you for being unable to perform your specific, skilled trade, not just any old job.
For Healthcare Professionals (Nurses, Doctors)
Those who dedicate their lives to caring for others are often exposed to high levels of stress, burnout, and infectious diseases. While many believe the NHS pension and sick pay scheme are sufficient, they have limitations.
- NHS Sick Pay is tiered and finite: Full sick pay entitlement depends on your length of service and reduces to half-pay before stopping altogether. A long-term condition could easily outlast this provision.
- NHS Pension ill-health retirement: The criteria for this are extremely strict and may not apply in many situations where you are too ill to do your demanding job but not "permanently incapable of any regular employment".
- Private Income Protection can seamlessly top up or take over from the NHS scheme, ensuring your income is protected for the long term.
The Entrepreneur's Shield: Protecting Your Business to Protect Your Life
For company directors and business owners, personal and business finances are deeply intertwined. A threat to one is a threat to the other. Specialised business protection is a key part of the resilience blueprint.
Key Person Insurance
What it is: A life and/or critical illness policy taken out by the business on a crucial employee—this could be a founder, a top salesperson, or a technical genius. The business pays the premiums and is the beneficiary of the policy.
How it works: If the key person passes away or suffers a critical illness, the business receives a lump sum. This cash injection can be used to:
- Cover lost profits during the disruption.
- Fund the recruitment of a replacement.
- Reassure lenders and investors.
- Clear business debts.
By protecting the business's survival, you are protecting your own livelihood and the livelihoods of your employees.
Executive Income Protection
This is a highly tax-efficient way for a limited company to provide income protection for its directors and employees.
How it works: The company pays the premiums for the policy. These premiums are typically treated as an allowable business expense, making it more tax-efficient than paying for a personal policy out of post-tax income. If a claim is made, the benefit is paid to the company, which then distributes it to the employee via PAYE. It’s an attractive employee benefit and a smart financial move for any director.
The Synergistic Power of Protection and Private Health Insurance (PMI)
It’s crucial to understand the distinct but complementary roles of protection insurance and private health insurance. They work together as a powerful combination for total wellbeing.
- Protection Insurance (IP, CIC, Life): Pays you a financial benefit to manage your life when your health is impacted. It gives you money.
- Private Medical Insurance (PMI): Pays for your medical treatment. It gives you access to healthcare.
In an era of significant pressure on the NHS, with waiting lists for consultations and procedures reaching historic lengths, PMI provides a vital advantage.
How they work in synergy:
- Diagnosis: You feel unwell. Your PMI plan allows you to see a specialist quickly, bypassing long NHS waits and getting a swift diagnosis.
- Treatment: Your PMI covers the cost of your private surgery, therapy, or treatment, often in a more comfortable setting and at a time of your choosing.
- Financial Support: While you are undergoing treatment and recovering, your Income Protection policy replaces your lost earnings, so you don't have to worry about bills. If your diagnosis was a specified critical illness, your Critical Illness Cover would have paid a lump sum, giving you total financial freedom to focus on getting better.
| Insurance Type | Purpose | Who it Pays |
|---|---|---|
| Income Protection | Replaces lost monthly income | You (the policyholder) |
| Critical Illness Cover | Provides a tax-free lump sum | You (the policyholder) |
| Private Medical Insurance | Pays for private medical bills | The hospital or specialist |
This combination is the ultimate resilience strategy: fast access to the best care, coupled with the financial security to make that care your only priority.
Building a Legacy: Beyond the Immediate with Gift Inter Vivos
True financial planning extends beyond your own lifetime. It's about building and preserving a legacy for the people and causes you care about. This is where sophisticated estate planning tools come into play, and insurance has a clever role here too.
In the UK, if you gift a significant asset (money or property) to someone, it may be subject to Inheritance Tax (IHT) if you pass away within seven years of making the gift. This is known as a Potentially Exempt Transfer (PET).
The IHT liability on the gift tapers down over the seven years. If you die within three years, the full 40% tax rate applies. This can create an unexpected and substantial tax bill for your loved ones.
This is where Gift Inter Vivos Insurance comes in.
What it is: A specialised type of life insurance policy designed to cover this specific, decreasing IHT liability. The level of cover reduces over the seven-year period, mirroring the tapering tax bill. If the person making the gift dies during that time, the policy pays out to cover the tax, ensuring the recipient receives the full value of the gift as intended.
This is proactive planning at its finest—a thoughtful strategy to ensure your generosity isn't diluted by an unforeseen tax burden.
The Wellness Connection: Proactive Health as Your First Line of Defence
The ultimate goal of financial protection is to enable a long, healthy, and prosperous life. Therefore, it's intrinsically linked to proactive wellness. Taking care of your health is your first and most important line of defence against needing to claim on a policy.
Insurers recognise this connection, and many now actively reward customers for healthy behaviours with lower premiums or other benefits. But the real reward is a higher quality of life.
Simple, evidence-based habits can dramatically improve your long-term health outcomes:
- Nourishing Diet: Focus on whole foods, fruits, vegetables, and lean proteins. A Mediterranean-style diet has been consistently linked to better cardiovascular and cognitive health.
- Restorative Sleep: Aim for 7-9 hours of quality sleep per night. Good sleep hygiene (a cool, dark room; no screens before bed) is critical for physical repair and mental clarity.
- Consistent Activity: The NHS recommends at least 150 minutes of moderate-intensity activity (like a brisk walk) or 75 minutes of vigorous activity per week, plus strength exercises on two or more days.
- Mental Wellbeing: Practice mindfulness, maintain strong social connections, and don't hesitate to seek professional help for your mental health. It is just as important as your physical health.
At WeCovr, we believe so strongly in this proactive approach that we provide our clients with complimentary access to our AI-powered calorie tracking app, CalorieHero, helping you build healthy habits from day one. It's part of our commitment to your holistic wellbeing.
Navigating the Market: How to Build Your Personal Resilience Blueprint
Taking action can feel overwhelming, but it can be broken down into simple, manageable steps.
Step 1: Assess Your Needs. Don't just pluck a figure out of the air. A proper assessment involves looking at your:
- Debts: Mortgage, car loans, credit cards.
- Dependents: How much would they need to live comfortably each month? Consider daily living costs, childcare, and future education needs.
- Income: How much do you need to replace to maintain your lifestyle?
- Existing Cover: What do you already have through your employer or other policies?
Step 2: Understand the Jargon. Familiarise yourself with key terms like 'deferment period', 'term', 'sum assured', 'indexation', and 'waiver of premium'. Knowing what these mean will empower you to have a more meaningful conversation with an adviser.
Step 3: Be Completely Honest. When applying for any protection policy, you must provide full and honest disclosure about your health, lifestyle (including smoking and alcohol consumption), and occupation. Failing to do so could invalidate your policy at the point of a claim, which would be a devastating outcome.
Step 4: Don't Go It Alone – The Value of Expert Advice. The protection market is complex. Dozens of insurers offer hundreds of products, each with different definitions, features, and pricing. Trying to navigate this alone is not only time-consuming but also risky.
This is where an expert broker like us at WeCovr becomes invaluable. We can compare the entire market, from major household names to specialist providers, to find the policy that truly fits your unique circumstances and budget. Our role is not to 'sell' you a product, but to work with you to understand your goals and build a robust, affordable, and effective resilience blueprint.
Conclusion: Your Future is Not a Matter of Chance, but a Matter of Choice
For too long, we have viewed our futures through a lens of hope, wishing for the best while often failing to prepare for the probable. The Resilience Blueprint offers a new perspective. It’s a conscious choice to move from a passive, reactive stance to a proactive, empowered one.
Financial protection is not about dwelling on the worst-case scenarios. It is about creating the freedom to pursue the best-case ones. It is the quiet confidence that allows you to take that career leap, the peace of mind that enriches your relationships, and the security that allows your personal growth to continue, uninterrupted, no matter what life throws your way.
Building your blueprint is the ultimate act of self-care and the most profound gift you can give to your loved ones. It is the decision to make your future a matter of choice, not a matter of chance.
Isn't Statutory Sick Pay enough if I'm ill?
I'm young and healthy, do I really need this now?
I've heard that insurers try to avoid paying claims. Will they actually pay out?
Can I get cover if I have a pre-existing medical condition?
How much cover do I actually need?
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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Who Are WeCovr?
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!