The Resilience Equation
In an era where health projections for 2025 show 1 in 2 people will face a cancer diagnosis and essential roles like tradespeople, nurses, and electricians carry unique daily risks, discover why true personal growth transcends mindset. It's built on a foundation of proactive financial and health intelligence. Uncover how strategic safeguards – from Income Protection and Personal Sick Pay to Critical Illness Cover, Family Income Benefit, and the legacy power of Life Protection and Gift Inter Vivos – combined with the accelerated care and choice of Private Health Insurance, are the unseen catalysts empowering your relationships, accelerating your development, and forging an unshakeable, truly fulfilled life.
We live in an age of empowerment. The narrative of personal growth, self-development, and cultivating a resilient mindset is more prevalent than ever. We are encouraged to visualise success, practise gratitude, and build mental fortitude. While these are invaluable tools, they form only one part of what we call the Resilience Equation. The stark reality is that mindset alone cannot pay the mortgage, cover the bills, or navigate the complexities of the UK healthcare system during a time of crisis.
True, unshakeable resilience is built on a dual foundation: the mental and emotional strength we cultivate, and the practical, intelligent safeguards we put in place to protect ourselves and our loved ones from life's unpredictable turns. The statistics paint a sobering picture. Projections from leading health bodies suggest that by 2025, one in every two people in the UK will be diagnosed with cancer in their lifetime. This isn't a distant, abstract figure; it's our friends, our family, and ourselves.
Beyond this headline statistic, millions of us work in roles that carry inherent daily risks. The electrician working at height, the nurse on a physically demanding ward, the self-employed plumber whose income relies entirely on their ability to work—these professions are the backbone of our society, yet their practitioners are uniquely exposed. An injury or prolonged illness doesn't just mean a health challenge; it means an immediate and direct threat to financial stability.
This guide is designed to move beyond the abstract and into the practical. It’s a deep dive into the tangible tools that form the other side of the Resilience Equation. We will explore how a strategic combination of protection policies—from Income Protection and Critical Illness Cover to Life Protection and Private Health Insurance—acts as a powerful catalyst. These are not merely financial products; they are instruments of empowerment that provide the security needed to foster stronger relationships, accelerate personal development, and live a truly fulfilled life, free from the paralysing fear of the "what if."
The Modern Resilience Gap: Why Mindset Isn't Enough
In today's fast-paced world, there's a significant cultural emphasis on "hustle" and relentless positivity. We're told that with the right attitude, we can overcome any obstacle. While a positive mindset is undoubtedly a powerful asset, it creates a dangerous blind spot: the resilience gap. This is the chasm between our belief in our ability to handle adversity and the practical, financial reality of a major life shock.
An unexpected illness or serious injury can shatter the foundations of even the most carefully planned life. The financial consequences are often immediate and cascading:
- Income Loss: Statutory Sick Pay (SSP) in the UK provides a minimal safety net, amounting to just £116.75 per week for up to 28 weeks (as of 2024/25 rates). For most households, this is a fraction of what's needed to cover essential outgoings.
- Depleted Savings: A 2023 report from the Financial Conduct Authority (FCA) revealed that millions of UK adults have less than £1,000 in savings. A long-term illness could wipe this out in a matter of weeks, leaving families vulnerable.
- Increased Debt: Without a sufficient buffer, many are forced to rely on credit cards or loans to cover daily expenses, leading to a spiral of debt that adds immense stress during an already difficult time.
- Impact on Loved Ones: The burden often falls on partners or family members, who may have to reduce their working hours or leave their job entirely to provide care, further straining household finances and relationships.
This is where the concept of Financial and Health Intelligence comes into play. It's the proactive process of understanding these risks and implementing a robust plan to mitigate them. It’s about acknowledging that while we can't control every eventuality, we can control how prepared we are. Building this intelligence is the first, most crucial step in closing the resilience gap and creating a life where you and your family can thrive, not just survive.
Protecting Your Greatest Asset: Income Protection & Personal Sick Pay
For most of us, our ability to earn an income is our single greatest financial asset. It underpins everything—our home, our lifestyle, our children's future, and our retirement plans. Yet, it is often the most overlooked and unprotected asset. Income Protection (IP) insurance is the cornerstone of any robust financial safety net, designed specifically to safeguard this asset.
What is Income Protection?
Income Protection is a type of insurance policy that pays you a regular, tax-free income if you are unable to work due to any illness or injury. Unlike Critical Illness Cover, which pays a lump sum for a specific condition, IP provides a continuous stream of income to replace a portion of your salary, typically between 50% and 70% of your gross earnings.
Key features to understand:
- The Deferred Period: This is the pre-agreed waiting period between when you stop working and when the policy starts paying out. It can range from one day to 12 months. Aligning this with your employer's sick pay scheme or your personal savings is a smart way to manage costs—the longer the deferred period, the lower the premium.
- The Payout Period: Policies can be set up to pay out for a limited period (e.g., 1, 2, or 5 years per claim) or on a long-term basis, potentially right up to your chosen retirement age. Long-term cover offers the most comprehensive protection.
- Definition of Incapacity: This is crucial. The best policies offer an "Own Occupation" definition. This means the policy will pay out if you are unable to perform your specific job. Other definitions, like "Suited Occupation" or "Any Occupation," are less comprehensive and may not pay out if the insurer believes you could do another type of work.
Why is Income Protection Essential for...
- The Self-Employed & Freelancers: You have no employer sick pay to fall back on. You are your own safety net. An IP policy is not a luxury; it's a fundamental business continuity tool.
- Tradespeople (Electricians, Plumbers, Builders): Your work is physically demanding and carries a higher-than-average risk of injury. A bad back or a broken limb could mean months off work with no income.
- Nurses & Healthcare Professionals: Long hours, physically strenuous tasks, and high-stress environments can take their toll, leading to both physical and mental health issues that could prevent you from working.
Comparing Income Protection with Statutory Sick Pay (SSP)
| Feature | Statutory Sick Pay (SSP) | Income Protection |
|---|---|---|
| Payout | £116.75 per week (2024/25) | A % of your salary (e.g., 50-70%) |
| Duration | Maximum 28 weeks | Can be until retirement age |
| Who's Eligible? | Employees earning above the LEL | Anyone with an income |
| Source | Your employer / The State | Your private insurance policy |
| Taxable? | Yes, it is a taxable benefit | No, payouts are tax-free |
What About Personal Sick Pay?
For those in riskier jobs or who are concerned about shorter-term incapacities, Personal Sick Pay insurance (also known as Accident & Sickness cover) can be an alternative. These policies are typically cheaper than full IP. They usually have a shorter payout period (12 or 24 months) and may focus more on accidental injury rather than long-term illness. While not as comprehensive as long-term IP, they provide an affordable and valuable cushion.
Example in Action: Take Sarah, a 38-year-old self-employed graphic designer. A repetitive strain injury (RSI) in her hand makes it impossible for her to use a mouse or stylus. Because she had the foresight to take out an "Own Occupation" Income Protection policy, after a three-month deferred period, she began receiving £2,500 per month, tax-free. This allowed her to pay her mortgage, cover her bills, and focus on physiotherapy without the crippling stress of losing her home.
Facing the Unthinkable: The Role of Critical Illness Cover
The "1 in 2" cancer diagnosis statistic from Cancer Research UK is a powerful reminder that serious illness can affect anyone. While the NHS provides excellent medical care, a critical illness diagnosis brings a host of secondary challenges—most of them financial. This is where Critical Illness Cover (CIC) provides a different, but equally vital, form of protection.
What is Critical Illness Cover?
CIC pays out a one-off, tax-free lump sum if you are diagnosed with one of a list of predefined serious medical conditions. The "big three" covered by almost every policy are cancer, heart attack, and stroke, but modern policies can cover over 50 conditions, including multiple sclerosis, motor neurone disease, and major organ transplant.
The power of a CIC payout lies in the freedom and choice it provides at the most vulnerable time of your life. The money can be used for anything, allowing you and your family to focus completely on your recovery.
How a Critical Illness Payout Can Transform Your Recovery
| Financial Challenge | How a CIC Payout Provides a Solution |
|---|---|
| Mortgage & Major Debts | Clear the mortgage entirely, removing the biggest financial burden. |
| Lost Household Income | Replace your income, or allow a partner to take extended time off to care for you. |
| Access to Private Treatment | Pay for specialist consultations, treatments, or drugs not yet available on the NHS. |
| Home & Lifestyle Adaptations | Fund modifications like a stairlift, a wet room, or an accessible vehicle. |
| Reduce Stress & Anxiety | Remove financial worries, allowing you to dedicate all your energy to getting better. |
It's vital to check the policy details carefully. The definitions of conditions can vary between insurers, and some policies offer partial payments for less severe conditions. This is where expert advice is invaluable. At WeCovr, we help clients navigate these nuances, comparing policies from across the market to find the one with the definitions and features that best suit their needs.
Many people choose to combine Life and Critical Illness Cover into a single policy. This is often a cost-effective way to protect against two of life's biggest risks simultaneously.
The Power of Choice: Private Health Insurance as a Catalyst for Recovery
We are incredibly fortunate to have the NHS, a service that is the envy of the world. However, the system is under unprecedented pressure. As of early 2025, NHS England waiting lists for consultant-led elective care remain stubbornly high, with millions of people waiting for routine procedures and diagnostics. For non-urgent issues, the wait for an initial diagnosis, let alone treatment, can stretch into many months.
This waiting period is not just an inconvenience; it can be a time of pain, anxiety, and deteriorating health, impacting your ability to work, care for your family, and live your life. Private Health Insurance (PHI), also known as Private Medical Insurance (PMI), offers a direct solution to this problem.
How Does Private Health Insurance Work?
PMI is a policy that covers the cost of private medical care for acute conditions (illnesses or injuries that are likely to respond to treatment). It's designed to complement the NHS, not replace it. The NHS remains the first port of call for accidents and emergencies.
The core benefits of PMI include:
- Speed of Access: Get prompt referrals to specialists and rapid access to diagnostic tests like MRI and CT scans, often within days or weeks instead of months.
- Choice and Control: Choose your consultant, your hospital, and a time for your treatment that fits around your life and work commitments.
- Advanced Treatments: Gain access to cutting-edge drugs, therapies, and procedures that may not be routinely funded by the NHS due to cost.
- Comfort and Privacy: Recover in a private room with an en-suite bathroom, more flexible visiting hours, and better food, creating a more restful environment for healing.
PMI works hand-in-glove with other protection. Imagine a scenario where you're diagnosed with a condition covered by your Critical Illness policy. The CIC payout helps manage your household finances, while your PMI policy gets you swift access to the best possible treatment, accelerating your recovery and improving your long-term outcome.
At WeCovr, we believe in a holistic approach to well-being. That's why, in addition to helping you find the right insurance, we provide our clients with complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. It’s a small way we can help you proactively manage your health, which is the ultimate form of protection.
The Business Resilience Blueprint: Protection for Directors and Entrepreneurs
For company directors, business owners, and the self-employed, the line between personal and professional resilience is often blurred. The health of the business is intrinsically linked to the health of its key people. Standard personal protection is essential, but a truly resilient business also needs a corporate safety net.
Key Person Insurance
Who is the most important person in your business? Is it the founder with the vision, the sales director who brings in all the revenue, or the technical expert with irreplaceable knowledge? Key Person Insurance protects a business against the financial impact of losing such an individual to death or critical illness.
The policy is owned and paid for by the business. If the key person is lost, the policy pays a lump sum directly to the company. This capital injection can be used to:
- Recruit and train a suitable replacement.
- Cover lost profits during the disruption.
- Reassure lenders and investors.
- Repay outstanding business loans.
Executive Income Protection
This is a powerful and tax-efficient way for a business to protect the income of its most valuable employees, including directors. Unlike a personal IP policy, Executive Income Protection is paid for by the business and is typically treated as an allowable business expense.
If the insured employee is unable to work, the benefit is paid to the business, which then pays it to the employee through the PAYE system. It’s a win-win: the director gets their income protected, and the business demonstrates a culture of care that helps attract and retain top talent.
Shareholder or Partnership Protection
What would happen to your business if one of your fellow owners died or became critically ill? Their share of the business would likely pass to their family. Would you want to be in business with their spouse? Would they have the funds to buy the shares from the family?
Shareholder Protection is an arrangement, backed by life and critical illness policies, that provides the surviving shareholders with the funds to buy the departing owner's shares at a pre-agreed price. This ensures a smooth transition, maintains control for the remaining owners, and provides fair value to the departing owner or their family.
Beyond Your Lifetime: Building a Legacy with Life Protection and Gift Inter Vivos
True resilience extends beyond our own lives. It involves creating a legacy of security for the people we love and ensuring the wealth we have built is passed on efficiently. Life Protection and specialist estate planning tools are the final pieces of the puzzle.
Life Protection: The Foundation of Legacy
Life Insurance (or Life Protection) is perhaps the most well-known form of cover. Its purpose is simple but profound: to provide a cash sum to your loved ones when you die. This can be structured in two main ways:
- Term Assurance: Provides cover for a fixed period (the "term"), such as the length of your mortgage or until your children are financially independent. It's designed to cover liabilities that have an end date.
- Whole of Life: This policy guarantees to pay out whenever you die, provided you have kept up with the premiums. It's often used for covering funeral costs or for inheritance tax planning.
Family Income Benefit: An Intelligent Alternative
Instead of a single lump sum, Family Income Benefit (FIB) pays out a regular, tax-free monthly or annual income from the point of claim until the end of the policy term. This can be a more manageable and budget-friendly solution for a surviving partner, replacing the deceased's lost monthly income directly.
Lump Sum Life Insurance vs. Family Income Benefit
| Feature | Lump Sum Life Insurance | Family Income Benefit |
|---|---|---|
| Payout | A single, large tax-free payment. | A regular, tax-free income stream. |
| Best For | Clearing large debts like a mortgage, providing a large legacy. | Replacing lost monthly income for day-to-day bills and living costs. |
| Management | Beneficiaries must manage and invest the large sum wisely. | Simpler for beneficiaries to budget with a regular, known income. |
| Cost | Can be higher for a large sum assured. | Often more affordable for a comparable level of financial security. |
Gift Inter Vivos: Smart Inheritance Tax Planning
Inheritance Tax (IHT) can significantly reduce the value of the estate you pass on. One common planning strategy is to make large financial gifts to loved ones during your lifetime. These are known as Potentially Exempt Transfers (PETs). If you live for seven years after making the gift, it falls completely outside of your estate for IHT purposes.
However, if you die within those seven years, the gift becomes taxable. Gift Inter Vivos (GIV) insurance is a specific type of life insurance policy designed to solve this problem. It's a term assurance policy that runs for seven years, with the sum assured decreasing over time in line with the tapering IHT liability on the gift. It's a simple, cost-effective way to ensure your gift reaches its recipient in full, without an unexpected tax bill.
The Resilience Equation: Your Personalised Protection Portfolio
There is no "one-size-fits-all" answer when it comes to financial protection. The right strategy—your personal Resilience Equation—is a bespoke portfolio of cover tailored to your unique circumstances.
Let's look at how this works in practice:
Case Study 1: The Young Family Mark (35, electrician) and Chloe (33, nurse) have a £250,000 mortgage and two children aged 4 and 6.
- Their Portfolio:
- Joint Life & Critical Illness Cover: A £250,000 policy to clear the mortgage if either of them dies or suffers a serious illness.
- Individual Income Protection: Both take out "Own Occupation" policies. Given the physical nature of their jobs, this is non-negotiable.
- Family Income Benefit: A policy to pay out £2,000 a month until their youngest child is 21, ensuring Chloe could afford to reduce her hours or stop working if Mark were to die.
Case Study 2: The Freelance Consultant David (45, self-employed IT consultant) is single with no dependents but values his financial independence highly.
- His Portfolio:
- Income Protection: A robust, long-term policy with an "Own Occupation" definition is his number one priority. This is his entire safety net.
- Critical Illness Cover: A policy with a £100,000 sum assured to provide a capital buffer and options if he were diagnosed with a serious illness.
- Private Health Insurance: To minimise any downtime from work by ensuring fast access to diagnostics and treatment.
Case Study 3: The Company Director Helen (55, owner of a successful engineering firm) is looking at her business succession and personal estate planning.
- Her Portfolio:
- Personal: A Whole of Life policy written in trust to cover a future IHT liability. A GIV policy to cover a recent large gift to her son.
- Business: A Key Person policy on herself for £1 million. Executive Income Protection for herself and her fellow director. A Shareholder Protection agreement to ensure a smooth buyout if one of them were to pass away.
Navigating these options and integrating them into a coherent strategy can be complex. Working with an expert independent broker like WeCovr is essential. We don't just sell policies; we act as your strategic partner, analysing your needs, searching the entire UK market, and constructing the personalised portfolio that forms your unique Resilience Equation.
Beyond Insurance: Proactive Health as a Pillar of Resilience
The ultimate goal is to live a long, healthy, and fulfilling life. While insurance protects you when things go wrong, proactive health management is about stacking the odds in your favour. This is the often-neglected pillar of true resilience.
- Nutrition: What you eat has a direct and profound impact on your long-term health. Simple changes, like adopting principles of the Mediterranean diet, increasing fibre, and reducing ultra-processed foods, can lower your risk of heart disease, type 2 diabetes, and certain cancers.
- Sleep: It's not a luxury; it's a critical biological function. Consistent, high-quality sleep is vital for immune function, mental clarity, mood regulation, and cellular repair. Aim for 7-9 hours per night.
- Activity: The human body is designed to move. Regular physical activity—even a brisk 30-minute walk each day—is one of the most powerful tools for preventing chronic disease, managing weight, and boosting mental health.
- Mental Wellbeing: Financial and physical health are inextricably linked to mental health. Practising mindfulness, maintaining strong social connections, and having the courage to seek professional help for stress, anxiety, or depression are acts of strength, not weakness. Many modern insurance policies now include valuable mental health support services as part of their package.
Forging Your Unshakeable Future
True personal growth is not just about affirmations and vision boards. It's about building a life on a foundation so strong that it can withstand the inevitable storms. It's about having the wisdom to hope for the best while intelligently planning for the worst.
The insurance products discussed in this guide are the tools to build that foundation. They are not expenses; they are investments in peace of mind, in stability, and in the freedom to pursue your goals without fear. They are the unseen catalysts that protect your relationships from financial strain, accelerate your recovery from health setbacks, and empower you to build an unshakeable and genuinely fulfilled life.
Take the time today to review your own Resilience Equation. What are your risks? Where are your gaps? By taking proactive steps now, you are giving your future self the greatest gift imaginable: security.
Is it expensive to get all this cover?
What if I have a pre-existing medical condition?
Do I need a medical exam to get insurance?
Why should I use a broker like WeCovr instead of going direct to an insurer?
How do I write my policy in trust?
Can I get cover if I have a risky job like a scaffolder or offshore worker?
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!