The Resilient You: Future-Proofing Your Personal Growth
In an unpredictable world where true personal growth demands more than ambition, learn how proactive resilience becomes your greatest asset. With projections for 2025 indicating that up to 1 in 2 people in the UK will face a cancer diagnosis in their lifetime, the question isn't 'if' life will challenge you, but 'how prepared' you are to maintain your trajectory. Explore how strategic protection – including Family Income Benefit, Income Protection, Life and Critical Illness Cover, and specialized Personal Sick Pay for professionals like tradespeople, nurses, and electricians – safeguards your capacity to grow, ensuring your income and dreams are shielded. Discover how private health insurance offers swift access to critical care, empowering quicker recovery and uninterrupted personal development, while Life Protection and Gift Inter Vivos secure your legacy. This isn't just about financial security; it's the revolutionary blueprint for a life of sustained achievement, unwavering peace of mind, and continuous evolution.
The New Landscape of Personal Growth: Why Resilience is Your Superpower
For generations, personal growth was a linear concept, often tethered solely to career progression and accumulating wealth. Today, that definition feels profoundly outdated. True personal growth is a holistic pursuit, encompassing mental and physical wellbeing, acquiring new skills, nurturing relationships, and finding purpose beyond the 9-to-5. It is the continuous evolution of 'you'.
Yet, this journey of self-improvement rests on a fragile assumption: that life will proceed without major disruption. The stark reality is that life is unpredictable. Ambition, drive, and a five-year plan are powerful tools, but they offer little defence against a sudden illness, a serious accident, or an unexpected diagnosis.
This is where resilience enters the equation. Resilience isn't about bouncing back to where you were; it's about adapting, learning, and continuing to grow through adversity. It’s the ability to bend without breaking. And in the 21st century, proactive resilience is not just a desirable trait—it is an essential survival skill.
Consider this sobering statistic from Cancer Research UK: 1 in 2 people in the UK born after 1960 will be diagnosed with some form of cancer during their lifetime. This isn't a distant possibility; it's a statistical probability that touches almost every family. Add to this the risk of heart attacks, strokes, debilitating back injuries, or severe mental health episodes, and the question shifts from if your progress will be challenged to when and how.
When a crisis hits, your energy and focus must be channelled into recovery, not into worrying about how to pay the mortgage or whether your business will survive your absence. Building a resilient foundation means anticipating these challenges and putting a robust financial safety net in place before you need it. This is the bedrock upon which sustained personal growth is built.
Your Financial Armour: An Introduction to Protection Insurance
Many people view insurance as a reluctant expense—a necessary evil. We encourage you to reframe this thinking. Protection insurance is not a cost; it is a profound investment in your future self, your family's security, and your uninterrupted capacity for personal growth. It is the financial armour that shields you from the economic shockwaves of a life crisis.
When illness or injury strikes, the financial fallout can be as devastating as the health implications. Statutory Sick Pay (SSP) in the UK provides a minimal safety net, but at just over £116 per week (for 2024/25), it is rarely enough to cover essential living costs, let alone a mortgage, childcare, or business overheads.
This is the gap that protection insurance is designed to fill. By creating a financial buffer, it gives you the most precious resource of all: peace of mind and the breathing space to heal.
Let's look at the core pillars of personal protection:
| Insurance Type | Primary Function | How It Helps Your Growth |
|---|---|---|
| Income Protection | Replaces a portion of your monthly income if you can't work due to illness or injury. | Maintains your lifestyle, covers bills, and allows you to focus 100% on recovery without financial stress. |
| Critical Illness Cover | Pays a one-off, tax-free lump sum upon diagnosis of a specified serious condition. | Clears debts like a mortgage, funds private treatment, or pays for home adaptations, removing huge financial burdens. |
| Life Insurance | Pays out a lump sum or a regular income to your loved ones if you pass away. | Secures your family's future, ensuring they can maintain their home and lifestyle, protecting your legacy. |
| Private Medical Insurance | Covers the cost of private healthcare, providing faster access to specialists and treatment. | Drastically reduces waiting times for diagnosis and care, enabling a quicker return to health, work, and life. |
Each of these products serves a unique purpose, and often, the most resilient financial plan involves a combination of them, tailored to your specific circumstances, career, and life stage.
Safeguarding Your Most Valuable Asset: Your Income
Your ability to earn an income is the engine that powers your life. It pays for your home, your holidays, your children's education, and your investments. It is, without question, your most valuable financial asset. So, what happens to your personal growth trajectory if that engine suddenly stalls?
This is where Income Protection (IP) becomes arguably the most crucial component of your financial resilience plan.
What is Income Protection?
Income Protection is a long-term insurance policy that provides a regular, tax-free monthly income if you are unable to work due to any illness or injury. Unlike Critical Illness Cover, which pays out for a specific list of conditions, IP can cover you for almost any medical reason that prevents you from doing your job, from a cancer diagnosis to severe stress or a musculoskeletal injury.
Key features to understand:
- Level of Cover: You can typically insure up to 50-70% of your gross annual income. This is designed to be sufficient to cover your essential outgoings without disincentivising a return to work.
- Deferment Period: This is the waiting period between when you stop working and when the payments begin. It can range from 4 weeks to 12 months. The longer the deferment period you choose, the lower your monthly premium will be. You can align this with any sick pay you receive from your employer.
- Definition of Incapacity: This is critical. The best policies use an "Own Occupation" definition. This means the policy will pay out if you are unable to perform your specific job. Other, less comprehensive definitions like "Suited Occupation" or "Any Occupation" make it much harder to claim, as the insurer could argue you are capable of doing some kind of work, even if it's not your own.
Essential Cover for the Self-Employed and Freelancers
If you are self-employed or a freelancer, you have no employer sick pay to fall back on. You are your own safety net. An inability to work for a few months could not only halt your personal income but could also jeopardise your entire business.
For you, Income Protection isn't a "nice-to-have"; it's a fundamental business continuity tool. A reliable IP policy ensures your personal bills are paid, allowing you to keep your business afloat (or cover an interim replacement) while you recover, preserving the enterprise you've worked so hard to build. Insurers are adept at handling the fluctuating incomes common among freelancers, often by looking at an average over the last 1-3 years.
Specialised Protection for Hands-On Professionals
For tradespeople like electricians and plumbers, or frontline workers like nurses, the risk of an injury or illness preventing you from working is often higher. A back injury for an office worker might be manageable; for an electrician, it can mean a complete stop to all income.
While long-term Income Protection is ideal, some professionals in higher-risk roles find premiums to be higher. An alternative or supplementary option is Personal Sick Pay insurance.
| Feature | Long-Term Income Protection | Personal Sick Pay Insurance |
|---|---|---|
| Claim Period | Can pay out for many years, often until retirement age. | Typically pays out for a limited period, such as 12 or 24 months per claim. |
| Cover Focus | Comprehensive cover for long-term, career-ending conditions. | Designed for shorter-term sickness or injury, getting you through a recovery period. |
| Underwriting | More detailed medical and financial underwriting. | Often simpler underwriting, making it more accessible for riskier occupations. |
| Best For | Protecting against catastrophic, long-term loss of earnings. | Covering immediate loss of income for common illnesses and injuries (e.g., fractures, recovery from surgery). |
For a nurse or a builder, a Personal Sick Pay policy can be a highly effective and affordable way to ensure that a broken leg doesn't lead to a financial crisis.
The Director's Advantage: Executive Income Protection
If you are a company director, you have a uniquely tax-efficient way to structure this protection. Executive Income Protection is an IP policy that is owned and paid for by your limited company.
The benefits are significant:
- The premiums are typically considered a legitimate business expense, making them tax-deductible for the company.
- The benefit is paid to the company, which then distributes it to you, the director, via PAYE.
- It is a highly valued benefit that can help attract and retain key senior staff.
By structuring it this way, you protect your personal income using pre-tax company revenue, making it a powerful and efficient part of your resilience toolkit.
Facing Life's Toughest Diagnoses: Critical Illness Cover
While Income Protection shields your monthly cash flow, Critical Illness Cover (CIC) is designed to deal a knockout blow to major debt following a life-altering diagnosis. It provides a single, tax-free lump sum of money if you are diagnosed with one of the specific conditions listed in your policy.
The most common reasons for claims remain the "big three": cancer, heart attack, and stroke. However, modern policies cover a wide range of conditions, often 50 or more, including things like multiple sclerosis, kidney failure, and major organ transplant.
The power of a CIC payout lies in the freedom it gives you. How could you use a lump sum of, say, £150,000?
- Eliminate Debt: Pay off your mortgage or other significant loans, instantly reducing your monthly outgoings and financial pressure.
- Fund Private Treatment: Access pioneering drugs, therapies, or specialists not immediately available on the NHS, potentially speeding up your recovery.
- Adapt Your Home: Make necessary modifications to your living space, such as installing a wheelchair ramp or a stairlift.
- Replace a Partner's Income: Allow your partner to take time off work to care for you without a catastrophic drop in household income.
- Create a Recovery Fund: Simply give yourself a financial cushion to use as you see fit, allowing you to focus entirely on getting better without a single thought for your bank balance.
This is not just financial security; it is a direct investment in your recovery and your ability to resume your personal growth journey. Many people choose to combine Life and Critical Illness Cover into a single policy, which pays out once on either diagnosis of a critical illness or on death, whichever comes first.
Navigating the nuances of CIC policies can be complex. The number of conditions covered, the definitions of those conditions, and the survival period required can vary significantly between insurers. This is where seeking expert advice from a broker like WeCovr is invaluable. We help you compare the intricate details of policies from across the UK market, ensuring the cover you choose is robust and right for you.
Protecting Your Legacy and Your Loved Ones
True personal growth isn't just about the self; it's also about the positive impact we have on those around us. A core part of resilience is ensuring that the people who depend on you are protected, no matter what happens. This is the fundamental role of Life Protection, more commonly known as Life Insurance.
Choosing the Right Life Insurance
Life Insurance pays out a sum of money when you die. This money can provide your family with the financial stability to grieve without the added burden of financial panic. There are several main types:
| Type of Cover | How it Works | Best Suited For |
|---|---|---|
| Level Term | The payout amount remains the same throughout the policy term. You choose the amount and the term (e.g., £200,000 over 25 years). | Providing a general family safety net, covering costs beyond the mortgage, like childcare and living expenses. |
| Decreasing Term | The payout amount reduces over time, broadly in line with a repayment mortgage. It's the most affordable type of cover. | Specifically covering a repayment mortgage, ensuring your family can keep their home if you're no longer there. |
| Whole of Life | The policy has no end date and is guaranteed to pay out whenever you die, as long as premiums are paid. | Covering a future Inheritance Tax (IHT) bill, funding funeral costs, or leaving a guaranteed legacy. |
An Alternative Payout: Family Income Benefit
A traditional life insurance policy pays out a large lump sum. While this is ideal for clearing a mortgage, managing a large sum of money can be daunting for a grieving family. Family Income Benefit (FIB) offers a different approach.
Instead of a lump sum, an FIB policy pays out a regular, tax-free monthly or annual income to your family, from the time of the claim until the end of the policy term.
Example: You take out a 25-year FIB policy for £2,500 per month. If you were to pass away 5 years into the policy, your family would receive £2,500 every month for the remaining 20 years.
This provides a replacement for your lost salary in a manageable, budgeted way, making it an excellent and often more affordable option for young families concerned with covering ongoing living costs.
Advanced Planning: Gift Inter Vivos Insurance
For those in a position to be thinking about their legacy and estate planning, a more specialised form of protection exists. If you gift a substantial amount of money or assets to someone, it is typically considered a Potentially Exempt Transfer (PET) by HMRC. If you survive for seven years after making the gift, it falls outside of your estate for Inheritance Tax (IHT) purposes.
However, if you die within those seven years, the gift becomes part of your estate and could be subject to IHT (at a tapered rate if you survive between 3 and 7 years). This can leave the recipient with an unexpected and significant tax bill.
Gift Inter Vivos Insurance is a specific life insurance policy designed to cover this potential IHT liability. It is a term assurance policy set up to run for the seven-year period, with the sum assured matching the potential tax bill. It’s a savvy way to ensure your gift is received in full, protecting your generosity and your beneficiaries.
Accelerating Recovery: The Power of Private Health Insurance
In the UK, we are incredibly fortunate to have the National Health Service (NHS). It is a world-class institution. However, it is also an institution under immense pressure, with waiting lists for consultations, diagnostics, and treatments often stretching for months, and in some cases, years.
For someone on a personal growth trajectory, an extended wait is more than an inconvenience; it's a roadblock. It's months of lost productivity, stalled projects, and physical or mental discomfort that grinds your progress to a halt.
Private Medical Insurance (PMI) is not a replacement for the NHS but a powerful complement to it. It provides you with choice, speed, and control over your healthcare.
Key benefits include:
- Swift Diagnosis: Get prompt access to scans (MRI, CT) and specialist consultations, often within days or weeks, rather than months.
- Reduced Waiting Times: Bypass long NHS waiting lists for non-urgent surgical procedures, from hip replacements to cataract surgery.
- Choice and Comfort: Choose your specialist or surgeon and recover in a private room with more flexible visiting hours.
- Access to Advanced Treatments: Gain access to certain drugs, therapies, or procedures that may not yet be available on the NHS due to cost or NICE approval delays.
By enabling a faster diagnosis and quicker treatment, PMI significantly shortens your recovery time. It minimises the period of disruption in your life, allowing you to get back to your work, your family, and your personal development goals with minimal delay. This is proactive resilience in action.
The Business Owner's Resilience Toolkit
If you run your own business, your personal wellbeing and the health of your company are inextricably linked. Building resilience means protecting both. A major health event can threaten not just your personal income, but the very survival of the enterprise you've poured your life into.
Forward-thinking company directors and business owners build a fortress around their business using specialised corporate protection policies.
Key Person Insurance
Who in your business is indispensable? A star salesperson who brings in 40% of the revenue? The technical director with all the intellectual property in their head? This is your "key person".
Key Person Insurance is a policy taken out by the business on the life or health of such a crucial employee. If that person were to die or be diagnosed with a specified critical illness, the policy pays a lump sum to the business. This money can be used to:
- Cover the costs of recruiting and training a replacement.
- Repay business loans that may be recalled.
- Reassure investors and lenders of the company's stability.
- Replace lost profits during the period of disruption.
It transforms a potential corporate catastrophe into a manageable event.
Relevant Life Cover
This is a highly tax-efficient life insurance policy for directors and employees, paid for by the business. A Relevant Life Plan is a standalone death-in-service benefit that provides a lump sum to the employee's family if they die while employed.
Why is it so effective?
- Premiums are paid by the company and are typically an allowable business expense.
- It is not treated as a P11D benefit-in-kind, so there is no extra income tax for the employee.
- Crucially, the benefit does not form part of the employee's lifetime pension allowance.
It's one of the most tax-efficient ways for a director to secure substantial life cover for their family.
By combining Executive Income Protection, Key Person Insurance, and Relevant Life Cover, you create a comprehensive resilience strategy that protects you, your family, and your business, ensuring your engine of growth can weather any storm.
Building Holistic Resilience: Beyond the Financial
A truly resilient life is not built on financial planning alone. The policies and strategies we've discussed are the foundation, but the structure you build on top requires a commitment to your holistic wellbeing. This is where you actively lower your risks and build the mental and physical fortitude to face challenges.
Nourish Your Body
A healthy diet, regular exercise, and adequate sleep are the cornerstones of physical resilience. They don't just make you feel better; they are scientifically proven to reduce your risk of many of the critical illnesses that protection insurance covers, including heart disease, stroke, and certain cancers.
At WeCovr, we believe in supporting our clients' holistic wellbeing. That's why, in addition to expert insurance advice, we provide our customers with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It’s a simple, effective tool to help you make informed choices about your diet, supporting your health goals long-term.
Fortify Your Mind
Mental health is just as important as physical health. Chronic stress weakens your immune system and impairs your cognitive function. Practising mindfulness, engaging in hobbies that bring you joy, and building a strong social support network of friends and family are vital. Don't be afraid to seek professional help when needed; therapy and counselling are powerful tools for building emotional resilience.
Commit to Lifelong Learning
Personal growth is an active process. Continuously acquiring new skills, whether related to your career or a personal passion, keeps your mind sharp and adaptable. It opens up new opportunities and gives you a sense of progress and purpose, which are powerful buffers against life's setbacks.
Conclusion: The Blueprint for Sustained Achievement
In a world of constant change and inherent unpredictability, the pursuit of personal growth requires a new, more robust strategy. Ambition must be paired with foresight, and drive must be underpinned by resilience.
Future-proofing your personal growth is not about avoiding challenges—they are inevitable. It is about having the strength, resources, and peace of mind to navigate them without being derailed from your path.
This is what a strategic protection plan provides. It is the revolutionary blueprint for a life of sustained achievement.
- Income Protection shields your cash flow, allowing you to heal without financial fear.
- Critical Illness Cover eliminates major debt, giving you the freedom to focus on recovery.
- Life Insurance secures your legacy, protecting your loved ones from hardship.
- Private Medical Insurance provides swift access to care, getting you back on your feet faster.
- Business Protection safeguards the enterprise that fuels your ambitions.
This isn't just about insurance policies. It's about taking decisive, proactive control of your future. It’s about building a financial fortress that empowers you to chase your dreams with confidence, knowing you have a safety net that will always be there to catch you. It is the ultimate investment in the most important asset you will ever have: the resilient you.
I'm young and healthy, do I really need protection insurance now?
What's the main difference between Income Protection and Critical Illness Cover?
How does being self-employed affect my application for Income Protection?
Should I put my life insurance policy into a trust?
Is protection insurance expensive?
Related guides
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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Who Are WeCovr?
WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!