The Invisible Wealth Factor: Future-Proofing Your Personal Growth
The Unseen Pillar of True Personal Growth: Why Your Deepest Aspirations and Relationships Hinge on Financial Security You're Overlooking
With alarming health projections – including the likelihood that 1 in 2 people in the UK will face a cancer diagnosis in their lifetime (Macmillan Cancer Support, 2025 data) – and life's unpredictable challenges impacting everyone from electricians to nurses, we unveil how a strategic blend of protection products like Family Income Benefit, Income Protection, Life and Critical Illness Cover, Personal Sick Pay, and the foresight of Gift Inter Vivos (offering a lump sum payment on death) isn't just a safety net. This isn't merely about financial survival; it's the foundational 'invisible wealth' that empowers you to pursue your dreams without fear, secure your loved ones' future, and access vital support through private health insurance – ensuring immediate, quality care that allows you to truly live, grow, and flourish.
We all strive for personal growth. We read books, listen to podcasts, set ambitious career goals, and work on our relationships. We invest time and energy into becoming better versions of ourselves. Yet, we often overlook the single most important foundation upon which all this growth is built: genuine financial security.
This isn't about being rich. It's about being resilient. It's the quiet confidence that comes from knowing that if life throws its inevitable curveballs—a sudden illness, an unexpected injury, or worse—you and your loved ones are protected. This is the ‘invisible wealth’ factor. It’s the freedom from the gnawing, underlying fear of ‘what if?’, a fear that silently sabotages our ability to take risks, to be creative, and to be truly present in our lives.
Without this foundational security, our dreams remain fragile, our ambitions are tethered by anxiety, and our personal growth is built on shaky ground. In this guide, we will explore how building a robust financial defence through protection insurance is the ultimate act of self-investment, enabling you to future-proof not just your finances, but your entire journey of personal development.
Why 'Getting By' Isn't Enough: The Psychological Cost of Financial Instability
Living from one paycheque to the next, or with minimal savings, creates a constant, low-level hum of anxiety. The Money and Pensions Service revealed in 2024 that over 11.5 million UK adults have less than £100 in savings, leaving them acutely vulnerable to any financial shock. This state of precarity is more than just a logistical problem; it's a profound psychological burden.
The Science of Stress and Decision-Making
When we are financially stressed, our bodies are in a perpetual state of 'fight or flight'. This releases cortisol, the stress hormone, which over time can impair cognitive function, suppress the immune system, and lead to chronic health issues.
- Decision Fatigue: Constant worry about money depletes our mental energy, making it harder to make sound, long-term decisions—ironically, including those about our finances.
- Inhibited Creativity: The part of our brain responsible for planning, creativity, and problem-solving (the prefrontal cortex) is less active when we're under threat. Financial anxiety literally makes us less innovative and less able to see opportunities.
- Relationship Strain: Financial disagreements remain one of the leading causes of conflict in relationships. The stress doesn't just affect you; it ripples outwards, impacting your partner, children, and friends.
Maslow's Hierarchy and the Path to Self-Actualisation
The psychologist Abraham Maslow's famous hierarchy of needs places 'Safety Needs'—which include financial security—as a foundational layer, just above basic physiological needs like food and water. You cannot meaningfully pursue 'Esteem' (achievement, confidence) or 'Self-Actualisation' (creativity, reaching your full potential) if your safety is in question.
| Maslow's Level | Core Need | How Financial Insecurity Sabotages It |
|---|---|---|
| Self-Actualisation | Achieving one's full potential, creativity | Can't take risks (start a business, change careers) due to fear of financial failure. |
| Esteem Needs | Confidence, achievement, respect | Financial struggles can lead to feelings of shame, inadequacy, and failure. |
| Love & Belonging | Friendships, family, intimacy | Financial stress is a major cause of arguments and relationship breakdowns. |
| Safety Needs | Financial security, health, property | Lack of a safety net creates constant anxiety and fear of the unknown. |
| Physiological Needs | Food, water, shelter, sleep | In extreme cases, financial hardship directly threatens these basic needs. |
Building a financial safety net is not about greed; it's about satisfying a fundamental human need. It’s what clears your mind and gives you the psychological space to focus on the higher-level pursuits that define a flourishing life.
Building Your Foundation: A Deep Dive into Personal Protection Insurance
Your financial foundation is built with specific tools designed to manage different risks. Thinking about these products isn't morbid; it's a practical and empowering act of responsibility. Let's break down the core components.
1. Life Insurance: The Cornerstone of Family Protection
Life insurance pays out a sum of money upon your death, providing a crucial financial lifeline for your dependents. It's not for you; it's for them. It ensures the mortgage is paid, daily living costs are covered, and your children’s future education is secure.
- Term Life Insurance: This is the most common and affordable type. It covers you for a fixed period (the 'term'), such as the length of your mortgage or until your children are financially independent. If you pass away during the term, it pays out.
- Whole of Life Insurance: This policy covers you for your entire life and is guaranteed to pay out whenever you die. It's often used for covering funeral costs or for inheritance tax planning.
A particularly effective form of term insurance is Family Income Benefit.
Spotlight: Family Income Benefit (FIB)
Instead of a single, large lump sum that can be daunting to manage, Family Income Benefit pays out a regular, tax-free monthly or annual income to your family. This income is paid from the time of the claim until the end of the policy term.
Why is this so powerful? It replaces your lost salary in a manageable way, making budgeting simpler for your loved ones during a difficult time.
Example: Lump Sum vs. Family Income Benefit
Imagine a 35-year-old with a £400,000 mortgage and two young children. They want cover until their youngest child is 21.
| Feature | Standard Level Term Assurance | Family Income Benefit |
|---|---|---|
| Cover Amount | £400,000 lump sum | £2,000 per month (£24,000/year) |
| Policy Term | 20 years | 20 years |
| How it Works | If they die anytime in the 20 years, it pays out a £400,000 lump sum. | If they die 5 years into the policy, it pays £2,000/month for the remaining 15 years. |
| Best For | Clearing large debts like a mortgage instantly. | Replacing a lost salary for ongoing family costs in a structured way. |
2. Critical Illness Cover: Protection for the Living
What if you don't pass away, but suffer a serious illness that prevents you from working? With survival rates for many conditions improving, this is an increasingly common scenario. The average UK household would run out of money in just 19 days if they lost their income (Legal & General, 2023).
Critical Illness Cover (CIC) pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious conditions. The 'big three' covered by nearly all policies are:
- Cancer
- Heart Attack
- Stroke
Most comprehensive policies cover 40-50+ conditions, including multiple sclerosis, major organ transplant, and permanent paralysis. This money can be used for anything:
- Clear or reduce your mortgage.
- Pay for private medical treatment or specialist care.
- Adapt your home (e.g., install a wheelchair ramp).
- Simply cover bills while you focus on recovery, without financial stress.
Real-World Scenario: Sarah, a 42-year-old self-employed graphic designer, is diagnosed with breast cancer. While the NHS provides excellent treatment, she is unable to work for 9 months. Her Critical Illness Cover pays out £75,000. This allows her to pay her mortgage, cover her bills, and hire a part-time childminder, removing all financial pressure so she can focus 100% on her recovery and well-being.
3. Income Protection: The Bedrock of Your Financial Plan
If Life Insurance is for if you die, and Critical Illness Cover is for if you get a specific serious illness, Income Protection (IP) is for everything else. It is arguably the most fundamental protection product for any working adult.
IP is designed to pay you a regular monthly income—typically 50-70% of your gross salary—if you are unable to work due to any illness or injury.
- It covers what other policies don't: Unlike CIC, it's not tied to a specific list of conditions. It could cover you for a bad back, stress, depression, or a long recovery from an accident—anything a doctor signs you off work for.
- It pays for as long as you need it: A long-term policy will continue to pay out every month until you can return to work, die, or the policy term ends (usually at your chosen retirement age).
The Deferment Period This is the waiting period from when you stop working to when the policy starts paying out. You can choose a deferment period to match your employer's sick pay scheme (e.g., 1, 3, 6, or 12 months). The longer the deferment period, the lower the premium.
| Your Situation | Recommended Deferment Period |
|---|---|
| Statutory Sick Pay (SSP) only | 4 weeks |
| 3 months full sick pay from employer | 13 weeks |
| 6 months full sick pay from employer | 26 weeks |
| Self-employed with 3 months of savings | 13 weeks |
4. Personal Sick Pay: Short-Term Cover for Hands-On Professionals
For those in riskier jobs like tradespeople (electricians, plumbers, builders), nurses, or delivery drivers, and for freelancers with fluctuating incomes, long-term income protection can sometimes seem out of reach.
Personal Sick Pay policies are a great alternative. They are essentially short-term income protection plans.
- Shorter Payment Periods: Instead of paying out until retirement, they typically pay out for a maximum of 1, 2, or 5 years per claim.
- Faster Payouts: They often have very short deferment periods, sometimes as little as one week ('day one' or 'week one' cover).
- Focus on Affordability: They provide a crucial safety net for common, shorter-term absences from work at a more accessible price point.
This makes them ideal for bridging the gap until you can get back on your feet after an accident or illness, preventing you from having to dip into business cash flow or personal savings.
The Freelancer's & Business Owner's Shield: Protecting Your Livelihood
When you are the business, protecting yourself is protecting your business. The risks are higher for the self-employed and company directors, but the tools available are also more powerful and tax-efficient.
The number of self-employed workers in the UK stands at over 4.2 million (ONS, 2024), a significant portion of the workforce operating without the safety net of employer benefits.
For Sole Traders and Freelancers
Your personal safety net is your business safety net. Income Protection is non-negotiable. Without it, an inability to work means your income stops instantly. A policy ensures your personal bills are paid, so you don't have to drain your business accounts or go into debt to survive.
For Company Directors and Business Owners
As a director of your own limited company, you can leverage the business to provide protection in a highly tax-efficient manner.
1. Executive Income Protection
This works just like a personal income protection policy, but it's paid for by your company. The company pays the premium, and it's typically treated as an allowable business expense. When a claim is made, the benefit is paid to the company, which then distributes it to you via PAYE. This is an efficient way to secure your income while making use of pre-tax company profits.
2. Key Person Insurance
Who is indispensable to your business? Is it the founder with the vision, the technical expert who built the product, or the salesperson who brings in 50% of the revenue?
Key Person Insurance is a policy taken out by the business on the life or health of a crucial employee. If that key person dies or suffers a critical illness, the policy pays a lump sum to the business. This money is designed to:
- Cover the costs of recruiting and training a replacement.
- Compensate for lost profits or a downturn in business during the transition.
- Reassure investors, lenders, and clients that the business can survive.
- Clear business debts or loans that the key person may have guaranteed.
3. Relevant Life Cover
This is a tax-efficient death-in-service benefit for individual employees, including company directors. It's paid for by the business but, unlike a traditional group scheme, it's a standalone policy. The premiums are generally not a P-11D benefit, and the payout is made into a discretionary trust, so it typically doesn't form part of the deceased's estate for Inheritance Tax purposes. It’s a valuable perk for attracting and retaining top talent in a small business.
Protection Options for Your Business Structure
| Protection Type | Sole Trader / Freelancer | Limited Company Director |
|---|---|---|
| Income Protection | Essential. A personal policy is your lifeline. | Personal policy, or the more tax-efficient Executive Income Protection. |
| Life Insurance | Essential. A personal policy to protect your family. | Personal policy, or the tax-efficient Relevant Life Cover. |
| Critical Illness Cover | Highly Recommended. Personal policy to provide a lump sum. | Can be added to personal policies or sometimes as a business cover. |
| Key Person Cover | Not applicable. | Crucial for protecting the business from the loss of a vital director/employee. |
Beyond Today: Securing Your Legacy with Gift Inter Vivos
True personal growth often involves a desire to provide for the next generation. As you build wealth, you may want to gift money or assets to your children or grandchildren to help them with a house deposit, university fees, or starting a business. However, these generous gifts can come with a hidden tax sting: Inheritance Tax (IHT).
Understanding the 7-Year Rule
In the UK, if you give away a gift (of money or assets) and die within 7 years, that gift may be subject to IHT. This is known as a Potentially Exempt Transfer (PET). If you survive for 7 years after making the gift, it becomes fully exempt from IHT.
If you die between 3 and 7 years after making the gift, the IHT due is tapered:
| Years Between Gift and Death | Tax Paid |
|---|---|
| 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 or more years | 0% |
The tax is payable by the person who received the gift, which can create a significant and unexpected financial burden for them.
The Solution: Gift Inter Vivos Insurance
A Gift Inter Vivos policy is a specialised type of life insurance designed to solve this exact problem. It's a life policy where the sum assured decreases over the 7-year period, mirroring the tapering IHT liability.
Example: David, aged 68, gifts his daughter £100,000 to help her buy a house. This is above his annual exemption. To protect her from a potential IHT bill, he takes out a Gift Inter Vivos policy.
- If David dies in year 2, the IHT liability would be £40,000 (40% of £100,000). The policy pays out £40,000 to cover the bill.
- If David dies in year 5, the IHT liability would be £24,000 (24% of £100,000). The policy has decreased its cover and pays out £24,000.
- If David survives for 7 years, the policy ends, and the gift is now IHT-free.
This simple, cost-effective policy ensures your gift is a true gift, not a future liability. It provides peace of mind for both you and your loved ones.
The WeCovr Advantage: Holistic Protection for a Flourishing Life
Navigating the world of protection insurance can feel complex. Each insurer has different definitions, strengths, and pricing. This is where using an expert, independent broker becomes invaluable. At WeCovr, we don't work for an insurance company; we work for you. Our role is to understand your unique personal, family, and business circumstances and then search the entire market to find the policies that provide the best possible cover at the most competitive price.
We believe that true well-being is holistic. It’s the powerful combination of financial resilience and physical health. This is why we go a step further for our clients. In addition to securing your financial future, we provide complimentary access to our proprietary AI-powered calorie and nutrition tracking app, CalorieHero.
This exclusive tool empowers you to take proactive control of your health, making it easier to manage your diet, understand your nutritional needs, and build healthy habits. It’s our way of showing that we are invested in your total well-being, helping you protect yourself from both financial and health-related risks. By partnering with us, you gain not just a policy, but a comprehensive support system for a flourishing life.
The Proactive Path to Growth: Integrating Wellness and Financial Planning
Your insurance policies are your ultimate defence, your financial backstop. But your first line of defence is your own health and well-being. By actively investing in your health, you reduce the likelihood of needing to claim, and you enhance your capacity for personal growth every single day.
There is a powerful synergy between financial planning and proactive wellness. When you know you are financially secure against the worst-case scenarios, you have the mental freedom to build the best-case scenarios through healthy living.
Simple, High-Impact Wellness Strategies
- Nourish to Flourish: You don't need a complex diet. Focus on whole foods. A Mediterranean-style diet—rich in vegetables, fruits, nuts, beans, and healthy fats like olive oil—is consistently linked to better heart health and cognitive function. Reducing ultra-processed foods can have a significant impact on your energy and mood.
- Prioritise Sleep: The Bank of England has even studied the economic impact of sleep deprivation. Aim for 7-9 hours of quality sleep per night. It is critical for memory consolidation, emotional regulation, and immune function. Poor sleep is directly linked to poor decision-making and increased stress.
- Embrace Movement: You don't need to run marathons. A brisk 30-minute walk each day is proven to reduce the risk of heart disease, stroke, type 2 diabetes, and certain types of cancer. It's a powerful antidepressant and a potent cognitive enhancer. Find an activity you enjoy, and make it a non-negotiable part of your routine.
- Master Your Mind: Financial security reduces a major source of external stress, but we also need tools to manage internal stress. Simple mindfulness practices, like a 5-minute daily meditation or deep breathing exercises, can lower cortisol levels and improve focus.
By weaving these practices into your life, you are not just improving your health; you are building a more resilient, energetic, and capable version of yourself—the very person best equipped to pursue personal growth.
The Ripple Effect: How Your Security Empowers Others
The ultimate expression of personal growth isn't just self-improvement; it's the positive impact you have on those around you. Building your 'invisible wealth' through a robust protection plan is one of the most profound gifts you can give to your family.
When you are secure, you are a better partner, a more patient parent, and a more reliable friend.
- You become a shock absorber, not a conductor of stress. When unexpected challenges arise, your financial plan absorbs the impact, preventing panic and allowing for calm, rational decisions.
- You empower your loved ones. Your security gives them freedom. It might mean your partner can take a career risk, or you can support your children's ambitions without it feeling like a gamble.
- You model responsibility and foresight. You teach your children the importance of planning and protecting what matters most, a lesson far more valuable than any inheritance.
At WeCovr, we often work with entire families to build a web of protection that covers every member and every eventuality. We see firsthand how creating this collective security transforms family dynamics, replacing anxiety with a shared sense of confidence and optimism about the future. Your personal growth journey is never just about you; it’s about creating a stable, loving environment where everyone you care about can flourish.
Conclusion: Your Blueprint for a Future Without Fear
Personal growth is a journey of becoming. It’s about building skills, nurturing relationships, and daring to pursue the life you truly want to live. But this entire journey rests upon a foundation. If that foundation is brittle—plagued by financial anxiety and the unspoken fear of 'what if'—your growth will always be limited.
Viewing protection insurance not as an expense, but as a deliberate investment in your 'invisible wealth', changes everything. It is the act of building a foundation so strong that it can withstand any storm.
- Life Insurance and Family Income Benefit protect your loved ones' future.
- Critical Illness Cover protects your assets and well-being during recovery.
- Income Protection protects your lifestyle and your ability to pay the bills.
- Business Protection safeguards your livelihood and your legacy.
- Gift Inter Vivos ensures your generosity is a blessing, not a burden.
This isn't just financial planning. This is life planning. It's the ultimate enabler of personal growth. By removing the fear of financial ruin, you give yourself the most precious gift of all: the freedom to focus on living. The freedom to take calculated risks, to be creative, to be present, and to build a future without fear. It’s your blueprint to not just survive, but to truly live, grow, and flourish.
Frequently Asked Questions (FAQs)
Is protection insurance really expensive?
Do I need Income Protection if I have sick pay from my employer?
Can I get cover if I have a pre-existing medical condition?
What is the main difference between Life Insurance and Critical Illness Cover?
Why should I use a broker like WeCovr instead of going directly to an insurer?
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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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!