The Growth Paradox: Secure Your Potential
You're building your best life, but what protects it from the unforeseen? With over 1 in 2 UK residents projected to face a cancer diagnosis by 2025, and high-risk careers from tradespeople to nurses facing unique vulnerabilities, discover how essential protection like Income Protection, Critical Illness Cover, Family Income Benefit, Personal Sick Pay, and private health insurance aren't just policies, but the foundational pillars enabling fearless personal development, financial resilience, and a lasting legacy for your loved ones through options like Life Cover and Gift Inter Vivos.
You're on a journey of growth. Every day, you invest time, energy, and passion into building a better future. You’re climbing the career ladder, launching your own business, raising a family, or perfecting your craft. You meticulously plan your finances, save for a mortgage, and invest for retirement. You insure your car, your home, and even your phone.
But what about the engine driving it all? What about you?
This is the Growth Paradox. We spend our lives building and acquiring assets, yet we often overlook the most critical one of all: our ability to earn an income and be there for our loved ones. In a world of increasing uncertainty, this oversight can be financially and emotionally devastating.
The statistics paint a stark picture. Projections from Cancer Research UK suggest that 1 in 2 people in the UK will be diagnosed with cancer in their lifetime. Each year, over a million people find themselves out of work for more than four weeks due to sickness, according to the Office for National Statistics (ONS). For the UK's millions of self-employed workers, tradespeople, and those in physically demanding roles like nursing, an injury or illness doesn't just mean a few sick days; it can mean a total loss of income overnight.
This article is your definitive guide to dismantling the Growth Paradox. We will explore the essential protection products that act as a financial safety net, allowing you to pursue your ambitions with confidence and security. This isn't just about insurance; it's about empowering your potential.
The Growth Paradox: Why Your Greatest Asset Is Uninsured
Think about your most valuable financial assets. Your home might come to mind, or perhaps your pension pot. But the reality is, for most of us, our single greatest asset is our ability to generate an income over our working lives.
Consider this: a 30-year-old earning the UK average salary of £35,000 per year stands to earn over £1.3 million by the time they reach state pension age, without even accounting for pay rises. This income is the bedrock of your entire financial world. It pays the mortgage, covers the bills, feeds your family, and funds your dreams.
Yet, while 92% of UK homeowners have buildings insurance, data from the Financial Conduct Authority (FCA) reveals that a significantly smaller percentage have any form of income protection. We are a nation that is diligent about protecting our bricks and mortar but dangerously complacent about protecting the income that pays for it.
The financial shock of being unable to work can be catastrophic:
- Minimal State Support: Statutory Sick Pay (SSP) in the UK is just £116.75 per week (2024/25 rate) and is only payable for a maximum of 28 weeks. Could your household survive on that?
- Depleting Savings: The average UK household has around £7,000 in savings. While a helpful buffer, this would be exhausted quickly when covering a mortgage, council tax, utilities, and food.
- Rising Debt: Without an income, families are often forced to rely on credit cards or loans, spiralling into debt at a time of immense personal stress.
A robust financial plan isn't just about growth; it's about resilience. It's about building a fortress around your ambitions, so that when life throws its inevitable curveballs, you and your family can withstand the impact.
Understanding the Core Risks to Your Financial Future
To build an effective financial fortress, you first need to understand the threats you're protecting against. Broadly, these fall into three categories, each with a specific insurance solution designed to mitigate it.
- Losing Your Income (Sickness or Injury): The risk of being unable to work for a prolonged period due to an illness or an accident. The primary solution here is Income Protection.
- Facing a Major Health Crisis (Serious Illness): The risk of being diagnosed with a life-altering condition like cancer, a heart attack, or a stroke. This often requires a significant financial injection to manage. The solution is Critical Illness Cover.
- Passing Away Unexpectedly (Death): The risk of leaving your loved ones with debts to pay and no future income to support them. The core solutions are Life Insurance and Family Income Benefit.
Let's break down each of these protective pillars in detail.
Protecting Your Paycheque: The Ultimate Guide to Income Protection
Income Protection (IP) is arguably the most important insurance policy you can own, yet it remains one of the least understood. It is the one policy that protects your entire lifestyle.
What is Income Protection (IP)?
Income Protection is a long-term insurance policy that provides a regular, tax-free monthly income if you are unable to work due to any illness or injury.
- It replaces a percentage of your gross earnings, typically between 50% and 70%.
- It pays out after a pre-agreed waiting period, known as the 'deferred period'.
- Crucially, it can continue to pay out until you are fit to return to work, you retire, or the policy term ends—whichever comes first.
It covers almost any illness or injury that prevents you from doing your job, from a bad back or severe stress to more serious conditions like cancer or multiple sclerosis.
Key Features to Understand
When considering Income Protection, there are three critical components to get right:
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The Deferred Period: This is the time you must wait between becoming unable to work and when the policy starts paying out. It can range from 4, 8, 13, 26, to 52 weeks. The longer the deferred period, the lower your premium. You should align this with any sick pay you receive from your employer or the length of time your personal savings could support you.
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The Definition of Incapacity: This is the most vital part of an IP policy. It defines the criteria an insurer uses to decide if you are eligible to claim.
- Own Occupation: The gold standard. The policy pays out if you are unable to perform your specific job. A surgeon with a hand tremor, for example, could claim under this definition even if they could work in another role.
- Suited Occupation: The policy pays out only if you are unable to do your own job or a similar job for which you are qualified by education or experience.
- Any Occupation: The most restrictive and least desirable. It will only pay out if you are unable to perform any kind of work at all. We strongly advise seeking 'Own Occupation' cover wherever possible.
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The Payment Term: This determines how long the policy will pay out for.
- Full Term: The policy pays a claim until you return to work or reach the end of the policy term (e.g., your planned retirement age of 68). This offers the most comprehensive protection.
- Short Term: These policies limit claim payments to a set period, typically 1, 2, or 5 years per claim. They are cheaper but offer less security for long-term or recurring conditions.
Who Needs Income Protection Most?
While everyone who earns an income would benefit from IP, it is non-negotiable for certain groups:
- The Self-Employed & Freelancers: With no employer sick pay to fall back on, you are your own safety net. An IP policy is the difference between a temporary setback and a business-ending disaster.
- Company Directors: You might run the company, but your entitlement to state support is the same as everyone else's. An IP policy (or a specialist Executive Income Protection plan) is crucial.
- Employees with Limited Sick Pay: A 2024 poll revealed that almost a quarter of UK companies only offer Statutory Sick Pay. If your employer's support is minimal, you need to create your own.
Table: Income Protection vs. Statutory Sick Pay (SSP)
| Feature | Income Protection (Typical Policy) | Statutory Sick Pay (SSP) |
|---|---|---|
| Weekly Payout | £300 - £800+ (Based on salary) | £116.75 (Fixed rate) |
| Source | Private Insurer | Employer / Government |
| Payment Duration | Until recovery or retirement | Maximum of 28 weeks |
| Payout Basis | Tax-free monthly income | Taxable weekly benefit |
| Cover Scope | Covers most illnesses/injuries | Must meet specific criteria |
| Flexibility | Tailored to your needs | One size fits all |
Facing the Unthinkable: Critical Illness Cover Explained
While Income Protection shields your monthly income, Critical Illness Cover (CIC) is designed to provide a financial shield against the impact of a major health shock.
How Does Critical Illness Cover (CIC) Work?
CIC pays out a one-off, tax-free lump sum if you are diagnosed with one of a list of predefined serious illnesses. The number of conditions covered can range from 40 to over 100, but the vast majority of claims (over 90%) are for three core conditions:
- Cancer
- Heart Attack
- Stroke
Other commonly covered conditions include multiple sclerosis, kidney failure, major organ transplant, and permanent paralysis.
What Can You Use the Lump Sum For?
The freedom of a lump sum is its greatest strength. It provides financial breathing room, allowing you to focus on your recovery without immediate money worries. People use the payout for:
- Clearing a mortgage or other significant debts.
- Paying for private medical treatment or specialist consultations.
- Making adaptations to their home (e.g., installing a ramp or stairlift).
- Replacing a partner's income if they need to take time off work to care for you.
- Funding a less stressful lifestyle or taking a recuperative break.
- Simply covering bills and expenses while you reassess your future.
Modern Policies: Beyond the Basics
The critical illness market has evolved significantly. Many modern policies now include:
- Children's Cover: Often included at no extra cost, providing a smaller lump sum if your child is diagnosed with a specified illness.
- Severity-Based Payouts: These policies may pay a partial amount (e.g., 25% of the total sum assured) for less advanced conditions, such as an early-stage cancer that is successfully treated. This provides financial support without terminating the entire policy, which remains in place for a more serious diagnosis later.
Table: Comparing Income Protection and Critical Illness Cover
| Feature | Income Protection | Critical Illness Cover |
|---|---|---|
| Purpose | Replaces lost monthly income | Provides a lump sum for major costs |
| Payout Trigger | Any illness/injury stopping work | Diagnosis of a specified condition |
| Payout Type | Regular, monthly payments | One-off, tax-free lump sum |
| Payout Duration | Can last until retirement | Paid once per claim |
| Best For | Covering ongoing living costs | Clearing large debts, funding treatment |
| Analogy | Your monthly 'salary' when sick | Your 'emergency fund' for a crisis |
Many people choose to hold both policies, as they serve different but complementary purposes.
For Those Who Depend on You: A Deep Dive into Life Insurance
Life insurance is the ultimate expression of care for the people you leave behind. It ensures that your death does not create a financial crisis for your family.
Term Life Insurance: Protection for a Specific Period
This is the most common and affordable type of life insurance. It covers you for a fixed period (the 'term'), such as 25 years to align with a mortgage. If you pass away within the term, the policy pays out. If you survive the term, the policy ends and has no value.
There are two main types:
-
Level Term Insurance: The payout amount (the 'sum assured') remains the same throughout the policy term. For example, a £250,000 policy will pay out £250,000 whether you pass away in year 1 or year 24. This is ideal for covering an interest-only mortgage or providing a lump sum for your family to invest for an income.
-
Decreasing Term Insurance: The payout amount reduces over the policy term, usually in line with a repayment mortgage. As you pay off your mortgage, the amount of cover needed reduces, so the policy payout decreases accordingly. This makes it a cheaper option, specifically designed for debt clearance.
Family Income Benefit: A Smarter Way to Protect Your Family?
Instead of paying a large, potentially overwhelming lump sum, Family Income Benefit (FIB) pays out a regular, tax-free income from the point of claim until the end of the policy term.
Example: Sarah, 35, has two young children aged 5 and 7. She wants to ensure their financial security until they are at least 21.
- Option A (Lump Sum): She takes out a £500,000 level term policy. If she passes away, her partner receives £500,000 and has to manage this large sum to provide for the family for the next 16+ years.
- Option B (FIB): She takes out a Family Income Benefit policy to provide an income of £2,500 per month until she would have turned 56 (a 21-year term). If she passes away five years into the policy, it will pay £2,500 per month to her family for the remaining 16 years.
FIB can feel more manageable for the surviving partner, simplifying budgeting and replacing the lost monthly salary in a like-for-like way. It is often significantly more affordable than an equivalent lump sum policy.
Whole of Life Cover: Protection That Lasts a Lifetime
As the name suggests, this policy is guaranteed to pay out whenever you die, as long as you have kept up the premiums. Because the payout is certain, premiums are considerably higher than for term insurance. It is typically used for two specific purposes:
- Covering Funeral Costs: To avoid leaving loved ones with an unexpected bill.
- Inheritance Tax (IHT) Planning: A Whole of Life policy can be written 'in trust' to pay out directly to your beneficiaries, giving them the funds to settle the IHT bill on your estate without having to sell assets like the family home.
Specialised Cover for High-Risk & Niche Professions
Standard protection is vital, but some careers and situations demand a more tailored approach.
Personal Sick Pay for Tradespeople and Manual Workers
For plumbers, electricians, builders, scaffolders, and even nurses on busy wards, the risk of a non-life-threatening but work-stopping injury is much higher. A broken leg or a slipped disc could mean months without income.
Personal Sick Pay is a form of short-term income protection specifically designed for these roles. Key features include:
- Shorter Deferred Periods: You can often choose cover that pays out from 'Day 1' or 'Day 8' of being unable to work, which is crucial when you have no employer sick pay.
- Focus on Injury: These policies are well-suited to covering the musculoskeletal injuries common in manual labour, which the Health and Safety Executive (HSE) identifies as a leading cause of work absence.
- Budget-Friendly: Because the maximum claim period is usually limited to 12 or 24 months, premiums are kept affordable.
Private Medical Insurance (PMI): Your Fast-Track to Treatment
It's vital to distinguish PMI from the other types of cover. PMI does not pay you money; it pays for your medical treatment in the private sector.
In an era of record NHS waiting lists, the value of PMI has soared. Its core benefits include:
- Bypassing Queues: Get prompt access to diagnostics (MRI, CT scans) and treatment.
- Choice of Specialist and Hospital: You can choose the consultant and facility for your care.
- Access to New Treatments: May provide access to drugs or treatments not yet available on the NHS.
- Comfort and Privacy: A private room for your recovery.
PMI and Income Protection work as a powerful team: PMI gets you diagnosed and treated quickly, and IP pays your bills while you are recuperating, reducing overall time off work.
The Business Owner's Toolkit: Protecting Your Company and Your People
For company directors and business owners, protecting your personal finances is only half the battle. You also need to protect the business itself.
Key Person Insurance: Shielding Your Business from Loss
Who is indispensable to your business? Your top salesperson who brings in 40% of the revenue? The technical genius with all the coding knowledge? This is your 'key person'.
Key Person Insurance is a life or critical illness policy owned and paid for by the business. If the insured key person passes away or suffers a critical illness, the policy pays out to the business. This money can be used to:
- Cover lost profits during the disruption.
- Recruit and train a suitable replacement.
- Reassure lenders and investors that the business can survive the loss.
- Clear business debts if necessary.
Executive Income Protection: A Director's Perk
This is an income protection policy that is paid for by the company on behalf of a director or salaried employee. It is a highly tax-efficient way to provide cover:
- Premiums are typically treated as an allowable business expense, reducing the company's corporation tax bill.
- It is not usually considered a P11D benefit-in-kind, so there is no extra income tax for the director.
- These policies often offer more generous cover limits than personal plans.
Relevant Life Cover: Tax-Efficient Life Insurance for Directors
For small businesses that don't have a full 'death-in-service' group scheme, a Relevant Life Policy is the perfect solution. It's a company-paid life insurance policy for an individual director or employee.
- Like Executive IP, the premiums are an allowable business expense.
- It is not a P11D benefit.
- The policy must be written into a discretionary trust, so any payout goes directly to the employee's family, bypassing both the business and the employee's estate for Inheritance Tax purposes.
It's a tax-efficient way of providing a high-value employee benefit at a relatively low net cost to the company.
Legacy Planning: The Gift Inter Vivos Policy
As you build wealth, you might want to pass some on to your children or grandchildren during your lifetime. However, HMRC has strict rules about large financial gifts.
Under the '7-Year Rule', if you give away an asset or cash (above your annual allowances) and pass away within seven years, that gift may still be considered part of your estate for Inheritance Tax (IHT) purposes. The amount of tax due on the gift reduces over time, a process known as 'taper relief'.
| Years Between Gift and Death | Tax Paid on Gift |
|---|---|
| Less than 3 years | 40% |
| 3 to 4 years | 32% |
| 4 to 5 years | 24% |
| 5 to 6 years | 16% |
| 6 to 7 years | 8% |
| 7+ years | 0% |
A Gift Inter Vivos policy is a special type of life insurance designed to solve this problem. It's a decreasing term assurance policy where the sum assured reduces in line with the tapering IHT liability. If you die within the seven-year window, the policy pays out to cover the exact IHT bill on the gift, ensuring your beneficiaries receive its full value.
Proactive Protection: How Wellness and Insurance Go Hand-in-Hand
The modern insurance landscape is about more than just claims; it's about partnership in your health. Insurers now recognise that a healthier client is a lower-risk client, and they actively encourage and reward healthy living.
This philosophy is at the heart of what we do. We believe protection isn't just about a policy document; it's about empowering you to live your healthiest, most secure life. Insurers may offer lower premiums for non-smokers, those with a healthy BMI, and individuals with a clean bill of health. Some even provide access to wellness programmes, health screenings, and fitness tracking apps.
At WeCovr, we go a step further. We're passionate about our clients' overall well-being, which is why we provide complimentary access to our exclusive AI-powered calorie and nutrition tracking app, CalorieHero. It's a simple, effective tool to help you manage your diet and make positive lifestyle choices—a small way we can support your journey to better health, which in turn can contribute to your long-term financial security.
How to Navigate the Market and Find the Right Cover
The world of protection insurance is complex. The sheer number of products, providers, and policy definitions can be overwhelming. Attempting to navigate this alone can lead to costly mistakes, such as choosing the wrong definition of incapacity or being underinsured.
This is where working with an expert, independent broker like us at WeCovr makes all the difference.
- We Are Experts: We live and breathe this market every day. We understand the nuances between different insurers' policies.
- We Are Whole-of-Market: We are not tied to any single insurer. We compare plans from all the UK's leading providers to find the cover that is genuinely the best fit for your unique circumstances, profession, and budget.
- We Handle the Hassle: From filling out the application to placing your policy in trust, we guide you through every step of the process, ensuring it's done correctly and efficiently.
Our role is to translate your life, your ambitions, and your fears into a robust, affordable, and tailored protection strategy.
Conclusion: From Paradox to Peace of Mind
The Growth Paradox is a challenge every ambitious person faces. The drive to build, create, and achieve can blind us to the fragility of the foundations upon which we build.
But it doesn't have to be this way.
By understanding the risks and embracing the solutions—Income Protection, Critical Illness Cover, and Life Insurance—you can transform that paradox into peace of mind. These policies are not expenses; they are investments. They are the scaffolding that allows you to build higher, the safety net that lets you take calculated risks, and the bedrock that ensures your legacy endures.
Securing your potential means protecting it. It means giving yourself and your loved ones the freedom to grow, fearlessly, knowing that whatever life throws your way, you have a plan in place.
Do I really need income protection if I have savings?
Is critical illness cover worth it if we have the NHS?
How much life insurance do I need?
Can I get cover if I have a pre-existing medical condition?
As a freelancer, what's the single most important policy for me?
Are insurance payouts taxed in the UK?
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!