The Resilience Equation: Future-Proofing Your Growth
In our relentless pursuit of personal and professional growth, we meticulously plan our careers, investments, and personal development goals. We build vision boards, set five-year plans, and hustle to climb the next rung on the ladder. Yet, in this intricate architecture of ambition, we often overlook the most critical component: the foundation. What happens to our carefully constructed plans when the architect—you—is unexpectedly taken ill or injured?
The uncomfortable truth is that momentum is fragile. A sudden health crisis can not only halt progress but can send it spiralling backwards, eroding savings, straining relationships, and shattering confidence. This is the reality we must confront to build genuine, lasting resilience.
Why True Personal Growth in 2025 Demands Protecting Your Most Valuable Assets: Your Health, Your Income, Your Future. Discover How Strategic Financial Shields – From Private Health Insurance and Specialized Personal Sick Pay for Our Essential Workforce (Tradespeople, Nurses, Electricians) to Comprehensive Life & Income Protection, and Proactive Legacy Planning via Gift Inter Vivos – Unlock Uninterrupted Progress, Stronger Relationships, and a Life of Unrivaled Peace Amidst Looming Health Realities Where Projections Show 1 in 2 Will Face Major Illness.
The modern definition of success is shifting. It's no longer just about accumulating wealth or accolades; it's about building a life that can withstand shocks. It’s about resilience. And in 2025, this resilience is more critical than ever. We face a stark health reality, underscored by projections from esteemed bodies like Cancer Research UK, which state that 1 in 2 people in the UK will be diagnosed with some form of cancer during their lifetime.
This isn't a scare tactic; it's a call for strategic preparation. A serious illness is more than a health event; it's a financial event. It's time off work, reduced or lost income, and unexpected costs for treatment, travel, and home modifications. It can force you to dip into your pension, sell investments intended for your children's education, or even lose your home.
This is where strategic financial shields come in. They are not an admission of pessimism but a declaration of intent. They are the tools that allow you to pursue your ambitions with confidence, knowing that a robust safety net is in place. By protecting your health, your income, and your future legacy, you are not just buying an insurance policy; you are investing in uninterrupted progress, stronger relationships, and the profound peace of mind that allows you to truly thrive.
This guide will demystify the essential financial shields available in the UK, from Private Health Insurance to specialised cover for our vital workforce and intelligent legacy planning. This is your blueprint for building the Resilience Equation.
The Bedrock of Wellbeing: Why Your Health is Your Greatest Asset
We applaud the NHS and its dedicated staff for the incredible work they do. It is a cornerstone of our society. However, the system is under unprecedented strain. Recent data from NHS England highlights significant waiting lists for consultations and treatments, which can mean months, or even years, of waiting in pain or uncertainty.
This waiting period is not just a physical burden; it's an emotional and financial one. It can prevent you from working, caring for your family, and living your life to the fullest. This is where Private Medical Insurance (PMI) serves as a powerful complement to the NHS.
Unlocking Faster Care with Private Medical Insurance (PMI)
PMI is not about replacing the NHS; it's about giving you more options and control over your healthcare journey, particularly for non-emergency conditions.
What are the core benefits of PMI?
- Bypassing Waiting Lists: This is arguably the most significant benefit. PMI allows you to see a specialist and receive eligible treatment far more quickly than might be possible through standard NHS routes.
- Choice and Control: You often have a say in which specialist, consultant, or hospital you use, allowing you to choose leading experts or facilities convenient for you.
- Enhanced Comfort: Treatment is typically provided in a private hospital room, offering more comfort, quiet, and privacy during your recovery.
- Access to Specialised Treatments: Some policies provide access to drugs or treatments that may not yet be available on the NHS due to funding or approval delays.
Of course, it's crucial to understand what PMI does and doesn't cover. It is designed for acute conditions (illnesses that are curable) and typically excludes chronic conditions (long-term illnesses like diabetes or asthma), pre-existing conditions, and emergency services (A&E remains the domain of the NHS).
A Clear Comparison: NHS vs. Private Medical Insurance
| Feature | NHS | Private Medical Insurance (PMI) |
|---|---|---|
| Cost | Free at the point of use | Monthly/annual premium |
| Waiting Times | Can be extensive for non-urgent care | Significantly shorter for eligible treatment |
| Choice of Hospital | Limited to your local trust | Wide choice from a pre-approved list |
| Choice of Specialist | Generally not possible | Often possible |
| Accommodation | Shared ward | Private en-suite room typical |
| Scope | Comprehensive, including emergencies | Focused on acute, non-emergency conditions |
Proactive Health: The First Line of Defence
Insurance is a backstop, but the best way to protect your health is to be proactive. True personal growth involves nurturing your physical and mental wellbeing. Simple, consistent habits can have a profound impact:
- Balanced Diet: Focusing on whole foods, fruits, and vegetables can reduce the risk of numerous health conditions.
- Regular Exercise: Aim for at least 150 minutes of moderate-intensity activity a week, as recommended by the NHS.
- Quality Sleep: Prioritising 7-9 hours of sleep per night is crucial for mental clarity, immune function, and physical recovery.
- Stress Management: Incorporating practices like mindfulness, meditation, or simply spending time in nature can significantly improve mental resilience.
At WeCovr, we believe in supporting our clients' holistic wellbeing. That’s why, in addition to helping you find the right insurance, we provide our customers with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It's a small way we can help you take proactive control of your health, reinforcing the very foundation your future is built upon.
Shielding Your Lifeline: Securing Your Income Against the Unexpected
For most of us, our ability to earn an income is our single most valuable financial asset. It pays the mortgage, puts food on the table, and funds our future goals. What would happen if that income suddenly stopped due to illness or injury?
According to the Office for National Statistics (ONS), millions of working-age people are economically inactive due to long-term sickness. For many, the state provision is simply not enough. Statutory Sick Pay (SSP) in the UK provides a minimal safety net, but at its current rate, it is unlikely to cover the average person's essential outgoings.
This is where income protection insurance becomes a non-negotiable part of your financial resilience plan.
For the Hands-On Workforce: Personal Sick Pay Explained
If you work in a physically demanding job—as a tradesperson, nurse, electrician, scaffolder, or delivery driver—your body is your primary tool. An injury that might be an inconvenience for an office worker could be catastrophic for you.
Personal Sick Pay (often called Accident, Sickness & Unemployment cover, though the unemployment part is less common now) is designed for this exact scenario. It's a more flexible, shorter-term form of income protection.
Key features of Personal Sick Pay:
- Shorter Deferment Periods: You can often choose to have your payments start from day one or after the first week of being unable to work, which is vital when you have no employer sick pay to fall back on.
- Budget-Friendly: Because the payout period is typically limited to 12 or 24 months per claim, the premiums are often more affordable than long-term income protection.
- Focus on 'Any Occupation': Policies are often based on your inability to perform any work, which makes them simpler to claim on for clear-cut injuries or illnesses.
Real-Life Example: Take Mark, a self-employed electrician. He falls from a ladder and breaks his wrist, leaving him unable to work for three months. His Personal Sick Pay policy, which he set up with a one-week deferment, kicks in after seven days. It pays him a tax-free monthly income, allowing him to cover his mortgage and bills without decimating his savings while he recovers. Without it, he would have faced immense financial stress.
The Long-Term Safety Net: Comprehensive Income Protection
While Personal Sick Pay is excellent for short-term crises, what if your illness or injury is more severe and prevents you from working for years, or even permanently? This is where Comprehensive Income Protection (IP) comes in. It is widely regarded by financial experts as the most important protection policy you can own.
IP is designed to pay out a regular, tax-free income until you can return to work, or until the policy ends (typically at your chosen retirement age).
Key features to understand:
- Deferment Period: This is the waiting period from when you stop working to when the policy starts paying out. It can range from 4 weeks to 52 weeks. The longer the deferment period, the lower the premium. You can align this with any sick pay you receive from your employer.
- 'Own Occupation' Definition: This is the gold standard. It means the policy will pay out if you are unable to do your specific job. For example, a surgeon who develops a hand tremor could no longer perform surgery and would be able to claim, even if they could still work as a medical lecturer. Cheaper policies may use 'suited occupation' or 'any occupation' definitions, which are harder to claim on.
- Benefit Amount: You can typically insure up to 50-70% of your gross annual income. This is paid tax-free, making it broadly equivalent to your take-home pay.
Comparing these two vital income shields:
| Feature | Personal Sick Pay | Comprehensive Income Protection |
|---|---|---|
| Purpose | Short-term income replacement (e.g., injuries) | Long-term income replacement (e.g., serious illness) |
| Payout Period | Typically 12 or 24 months per claim | Until you return to work or the policy ends |
| Deferment Period | Short (e.g., 1, 4, 8 weeks) | Longer (e.g., 4, 13, 26, 52 weeks) |
| Occupation Definition | Often 'any occupation' | 'Own occupation' is the recommended standard |
| Ideal For | Self-employed, tradespeople, those with little employer sick pay | All working adults, especially professionals and high earners |
Whether you are a freelancer, a contractor, or an employee, if your household relies on your income, protecting it is fundamental to your family's security and your own peace of mind.
For Business Leaders: Fortifying Your Enterprise and Your Role Within It
If you are a company director, business owner, or key partner, your personal and professional finances are deeply intertwined. A health crisis doesn't just affect you and your family; it can have a profound impact on the business you have worked so hard to build. Business protection insurance is designed to create a financial firewall around your enterprise.
Executive Income Protection
This is similar to a personal income protection policy, but it is owned and paid for by your limited company. The policy covers the director's income if they are unable to work due to illness or injury.
Key Advantages:
- Tax Efficiency: The premiums are typically an allowable business expense, making it a highly tax-efficient way to secure your income.
- Protects the Business: The payments are made to the company, which can then continue to pay the director's salary. This keeps them on the payroll without draining business resources.
- Attracts and Retains Talent: Offering this as part of a director's package demonstrates that the company values its leadership.
Key Person Insurance
Who in your business is indispensable? Is it the founder with the vision, the salesperson with the contacts, or the developer with the code? Key Person Insurance protects the business against the financial loss it would suffer if such a person were to die or be diagnosed with a critical illness.
The policy pays a lump sum to the business, which can be used to:
- Cover the costs of recruiting and training a replacement.
- Repay a business loan that the key person may have guaranteed.
- Compensate for a loss of profits or a dip in client confidence.
- Provide a vital cash injection to keep the business stable during a turbulent period.
Think of it as a business life preserver.
Shareholder or Partnership Protection
What happens if you or one of your fellow business owners dies or becomes seriously ill? Their shares will typically pass to their estate. This can lead to a host of problems:
- The family may want to sell the shares, but the remaining owners may not have the funds to buy them.
- The family may want to become involved in the business, despite having no experience.
- An outside buyer could acquire the shares, fundamentally changing the company's direction.
Shareholder or Partnership Protection is the solution. It is an agreement, backed by life and/or critical illness policies, that provides the surviving owners with the funds to buy the deceased or critically ill owner's shares at a pre-agreed price. This ensures a smooth transition, protects the company from outside influence, and guarantees a fair price for the departing owner's family.
Business Protection at a Glance
| Policy | Who is Covered? | Who Gets the Payout? | What is the Purpose? |
|---|---|---|---|
| Executive IP | A director or employee | The business | To fund the individual's ongoing salary |
| Key Person | An individual vital to profits | The business | To cover financial losses and aid recovery |
| Shareholder Protection | Business owners/partners | The other owners | To buy out a departing owner's shares |
Facing Life's Toughest Moments: Life and Critical Illness Cover
While protecting your income is about managing life, protecting your loved ones against the financial consequences of your death or serious illness is about securing your legacy and their future.
Life Insurance: A Foundation for Your Loved Ones
Life insurance pays out a lump sum or a regular income upon your death. It is one of the most selfless purchases you can make, providing financial stability for your family at the most difficult of times. The payout can be used to:
- Pay off the mortgage, ensuring your family has a secure home.
- Cover funeral costs.
- Replace your lost income to pay for daily living expenses.
- Provide a fund for your children's future education.
There are several types of life insurance to suit different needs:
- Term Life Insurance: This is the simplest and most affordable form. It covers you for a fixed period (the 'term'), such as the length of your mortgage. If you die within the term, the policy pays out. If you survive the term, the policy ends.
- Family Income Benefit: Instead of a single large lump sum, this policy pays out a regular, tax-free income from the point of claim until the end of the policy term. This can be easier for a family to manage and budget with than a large sum of money.
- Whole of Life Insurance: This policy guarantees to pay out whenever you die, as long as you keep up with the premiums. It is more expensive but is often used for specific purposes like covering a future Inheritance Tax bill or leaving a guaranteed inheritance.
Critical Illness Cover: Financial Breathing Space When You Need It Most
A critical illness diagnosis is life-changing. While you focus on recovery, the last thing you need is financial worry. Critical Illness Cover (CIC) is designed to prevent this.
It 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 almost every policy are cancer, heart attack, and stroke, but modern policies can cover over 50 different conditions.
This money is yours to use as you see fit. It provides crucial breathing space and can be used for:
- Clearing a mortgage or other debts.
- Paying for private medical treatment or specialist care.
- Adapting your home (e.g., installing a ramp or stairlift).
- Allowing a partner to take time off work to care for you.
- Simply replacing lost income while you are unable to work.
Navigating the nuances of life and critical illness cover can be complex, with different insurers offering varying levels of cover and definitions. At WeCovr, we understand that navigating these options can be daunting. Our experts compare plans from all major UK insurers to find a solution tailored to your family's unique needs, ensuring you're not paying for cover you don't need and that you have the most robust protection for your budget.
The Art of Legacy: Proactive Planning with Gift Inter Vivos Insurance
Part of a fulfilling life is being able to help those you care about, often by gifting money during your lifetime for a house deposit, university fees, or a business start-up. However, these generous acts can sometimes come with an unexpected sting in the tail: Inheritance Tax (IHT).
Understanding the 7-Year Rule
In the UK, when you give a gift of money or assets, it is known as a Potentially Exempt Transfer (PET). If you live for 7 years after making the gift, it becomes fully exempt from IHT and falls outside of your estate.
However, if you die within 7 years of making the gift, its value is added back into your estate for IHT calculation purposes. If the total value of your estate (including the gift) exceeds the IHT nil-rate band, tax may be due on the gift. The responsibility for paying this tax falls on the person who received the gift—your child, grandchild, or loved one.
The amount of tax due on the gift reduces over time, a process known as 'taper relief'.
IHT Taper Relief on Gifts
| Years Between Gift and Death | Percentage of Full IHT Rate Paid on the Gift |
|---|---|
| Less than 3 years | 100% (i.e., 40%) |
| 3 to 4 years | 80% (i.e., 32%) |
| 4 to 5 years | 60% (i.e., 24%) |
| 5 to 6 years | 40% (i.e., 16%) |
| 6 to 7 years | 20% (i.e., 8%) |
| 7+ years | 0% |
Imagine gifting your daughter £100,000 for her first home. If you were to pass away 4.5 years later and your estate was liable for IHT, she would suddenly face a tax bill of £24,000 (£100,000 x 24%). This is a significant burden that can undermine the very purpose of the gift.
The Solution: Gift Inter Vivos (GIV) Insurance
This is a clever and specific type of life insurance policy designed to solve this exact problem.
- How it works: A GIV policy is a term life insurance policy taken out for a 7-year period. The level of cover is designed to match the potential IHT liability on the gift.
- Decreasing Payout: The sum assured on the policy decreases over the 7 years, mirroring the reducing tax liability thanks to taper relief.
- The Outcome: If you die within the 7-year window, the policy pays out a lump sum that the recipient of your gift can use to pay the IHT bill. Your gift remains intact, and your loved one is protected from a surprise tax liability.
GIV insurance is a simple, cost-effective tool for anyone making large lifetime gifts, turning an act of generosity into a secure and worry-free legacy.
The Resilience Equation: Putting It All Together for 2025 and Beyond
Building true resilience isn't about buying a single product; it's about creating a personalised, multi-layered strategy that protects you from life's inevitable uncertainties. Your personal 'Resilience Equation' is a combination of these financial shields, tailored to your unique circumstances, profession, and life stage.
- Your Health: Protected by a proactive lifestyle and supported by Private Medical Insurance for fast access to care.
- Your Income: Shielded by Personal Sick Pay for short-term shocks and Comprehensive Income Protection for long-term security.
- Your Business: Fortified by Key Person, Executive IP, and Shareholder Protection.
- Your Family: Cared for with Life Insurance and Critical Illness Cover.
- Your Legacy: Intelligently planned with tools like Gift Inter Vivos insurance.
When these elements are in place, they create a virtuous cycle. Financial security reduces stress, which is good for your health and your relationships. Knowing you have a safety net gives you the confidence to take calculated risks in your career, fuelling your personal growth.
Ultimately, this is about more than money. It's about ensuring that a health crisis doesn't become a family crisis. It's about giving yourself and your loved ones the invaluable gift of peace of mind. As you plan for 2025 and beyond, don't just focus on what you want to build; take the time to protect the architect. Review your Resilience Equation today.
Frequently Asked Questions (FAQ)
Is life insurance 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's the difference between life insurance and critical illness cover?
Why should I use a broker instead of going direct to an insurer?
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!