The Unbreakable You: Growth's Hidden Shield
Is your personal growth strategy truly complete? With official projections suggesting 1 in 2 UK individuals will face a cancer diagnosis in their lifetime, and unforeseen career-threatening risks for vital professionals like nurses, electricians, and tradespeople, discover how intelligent financial resilience – encompassing Family Income Benefit, Income Protection, Life and Critical Illness Cover, Personal Sick Pay, and strategic Private Health Insurance – transcends mere protection, becoming the fundamental bedrock for safeguarding your personal development journey, securing your family's future and legacy, and empowering a life of continuous self-actualization, even in the face of the unexpected.
We live in an era of self-improvement. We meticulously plan our careers, invest in new skills, optimise our health with bespoke diets and fitness regimes, and cultivate mindfulness to enhance our mental wellbeing. Your personal growth strategy is likely a dynamic, forward-looking blueprint designed for success and fulfilment. But what if the most critical component of this blueprint is missing?
The pursuit of growth is fundamentally about moving forward. Yet, life’s most profound challenges—a sudden illness, a serious injury, an unexpected death—can halt that momentum in an instant. They don't just pause your journey; they can shatter its very foundations, impacting not only you but also those who depend on you.
This is where true resilience is forged. It’s not just about bouncing back; it's about having a structure in place that prevents you from hitting the ground in the first place. This structure is intelligent financial protection. It’s the hidden shield that allows your personal growth strategy to become unbreakable, empowering you to pursue your ambitions with confidence, knowing you are prepared for whatever life may bring.
The Modern Landscape of Risk: Why Your Safety Net Matters More Than Ever
To build an effective shield, you must first understand what you are shielding against. The modern risk landscape in the UK is complex, and relying on hope or basic state support is a precarious strategy. The statistics paint a stark and sobering picture.
The Pervasive Threat of Critical Illness
- Cancer: The data from Cancer Research UK is unequivocal. Projections show that 1 in 2 people born in the UK after 1960 will be diagnosed with some form of cancer during their lifetime. While survival rates are thankfully improving, a diagnosis almost always means significant time away from work for treatment and recovery.
- Heart and Circulatory Diseases: The British Heart Foundation reports that around 7.6 million people in the UK live with conditions like coronary heart disease, stroke, and vascular dementia. These events are often sudden and have life-altering consequences for one's ability to work and live independently.
- The Survival Paradox: Medical advancements mean more people than ever are surviving illnesses that were once a death sentence. While this is wonderful news, it creates a new financial challenge. Surviving a critical illness often means living with long-term health implications and being unable to return to your previous career, creating a significant income gap that can last for years, or even decades.
The Physical Toll of Demanding Professions
For the skilled professionals who form the backbone of our society, the risks are not just statistical; they are a daily reality.
- Tradespeople (Electricians, Plumbers, Builders): The Health and Safety Executive (HSE) statistics for 2022/23 revealed that an estimated 477,000 workers were suffering from a work-related musculoskeletal disorder. For a tradesperson, a debilitating back injury or a damaged shoulder isn't a minor inconvenience—it's a direct threat to their entire livelihood.
- Nurses and Healthcare Professionals: The physical and mental demands of nursing are immense. Beyond the high risk of musculoskeletal injuries from patient handling, the intense stress and emotional strain contribute to high rates of burnout and mental health-related absences.
The Financial Fragility of State Support
Many people mistakenly believe the state will provide a sufficient safety net if they are unable to work. The reality is starkly different.
- Statutory Sick Pay (SSP): For the 2024/2025 tax year, the SSP rate is £116.75 per week, payable for up to 28 weeks. Ask yourself: could your household survive on less than £500 a month? For most, this amount wouldn't even cover the mortgage or rent, let alone bills, food, and other essentials.
- The Self-Employed Gap: If you are a freelancer, contractor, or run your own business, you are not entitled to any Statutory Sick Pay at all. Your income stops the very day you do.
This combination of rising health risks, job-specific dangers, and inadequate state support creates a perfect storm of vulnerability. It’s a storm that a well-designed protection plan can help you weather.
The Five Pillars of Financial Resilience: Your Personal Protection Toolkit
Building your financial shield isn't about buying a single product; it's about layering different types of protection to create a comprehensive defence. Think of it as a toolkit, where each tool has a specific and vital job.
Pillar 1: Life Insurance (Life Protection)
This is the cornerstone of legacy protection. In its simplest form, life insurance pays out a tax-free lump sum to your loved ones if you pass away during the policy term.
- What it does: Replaces your lost income, clears a mortgage, pays for funeral costs, and provides a financial cushion for your family's future.
- Who it's for: Anyone with financial dependents (a partner, children) or significant debts like a mortgage that would fall to someone else.
- Key Types:
- Level Term Assurance: The payout amount remains the same throughout the policy term. Ideal for covering an interest-only mortgage or providing a lump sum for your family's future living costs.
- Decreasing Term Assurance: The payout amount reduces over time, broadly in line with a repayment mortgage. It's a more affordable way to ensure your biggest debt is cleared.
- Specialist Cover: Gift Inter Vivos: This niche but powerful policy is designed for Inheritance Tax (IHT) planning. If you gift a large sum of money or an asset, it can still be subject to IHT if you pass away within seven years. A Gift Inter Vivos policy pays out a lump sum to cover that potential tax bill, ensuring your beneficiaries receive the full value of your gift.
Pillar 2: Critical Illness Cover (CIC)
While life insurance protects your family after you're gone, Critical Illness Cover is designed to protect you and your family while you're living.
- What it does: Pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious conditions defined in the policy (e.g., specific types of cancer, heart attack, stroke, multiple sclerosis).
- How it helps: This money gives you freedom and choices. You can use it to pay off your mortgage, adapt your home for new mobility needs, pay for private treatment, or simply replace lost income while you focus 100% on your recovery, free from financial stress.
- Important Note: The number and definition of illnesses covered can vary significantly between insurers. It's vital to get expert advice to understand exactly what you are covered for.
Pillar 3: Income Protection (IP)
Often described by financial experts as the single most important protection policy for any working adult.
- What it does: If you're unable to work due to any illness or injury (not just a specific list of critical ones), an Income Protection policy pays you a regular, tax-free monthly income. It continues to pay out until you can return to work, the policy term ends (often at your chosen retirement age), or you pass away.
- The 'Own Occupation' Gold Standard: The most robust form of IP is an 'own occupation' policy. This means it will pay out if you are unable to do 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 a different job. This is a crucial distinction, especially for skilled professionals.
- Key Features:
- Deferment Period: This is the waiting period from when you stop work to when the policy starts paying. It can range from 4 weeks to 12 months. Aligning this with your employer's sick pay scheme or your personal savings is a smart way to manage the cost.
- The Lifeline for the Self-Employed: For freelancers and business owners with no access to SSP, Income Protection is not a luxury; it's an essential business continuity tool.
Pillar 4: Family Income Benefit (FIB)
This is a clever and often more budget-friendly alternative to a standard lump-sum life insurance policy.
- What it does: Instead of paying a single large lump sum on death, FIB provides a regular, tax-free income to your family. This income is paid out from the time of the claim until the end of the policy term.
- Why it's great: It's designed to replace a lost salary in a manageable way, making budgeting easier for the surviving partner. For a young family, you could set the term to run until your youngest child is expected to be financially independent (e.g., age 21). It directly mimics the monthly income you are trying to replace.
Pillar 5: Personal Sick Pay
This term is often used to describe short-term Income Protection policies. They are particularly well-suited for those in high-risk or physically demanding jobs.
- What it does: Provides a monthly income if you can't work due to illness or injury, but typically for a shorter maximum period, such as 1, 2, or 5 years per claim.
- Who it's for: Tradespeople, nurses, construction workers, and others who might face a higher likelihood of short-to-medium term injuries. The premiums can be more affordable than full-term IP, and they provide a vital bridge to get you back on your feet without wiping out your savings.
A Table-Based Comparison: Choosing Your Shield
To help you visualise how these pillars work together, here is a simple comparison:
| Product | What it Pays | When it Pays | Best For... |
|---|---|---|---|
| Life Insurance | Tax-free lump sum | On death | Clearing debts (mortgage) & providing a legacy. |
| Family Income Benefit | Regular tax-free income | On death, until policy end | Replacing a lost salary for a young family. |
| Critical Illness Cover | Tax-free lump sum | On diagnosis of a specified serious illness | Providing financial freedom during recovery. |
| Income Protection | Regular tax-free income | After a deferment period, if you can't work | Replacing your salary for long-term sickness. |
| Personal Sick Pay | Regular tax-free income | After a deferment period, for a limited time | Affordable cover for shorter-term incapacity. |
Beyond the Basics: Strategic Health and Business Protection
A truly robust plan considers every angle, including faster access to healthcare and the unique needs of business owners.
Private Health Insurance (PHI / PMI)
Private Medical Insurance is the perfect partner to your financial protection plan. While Income Protection pays your bills, PHI helps you get better, faster.
- The Synergy: Imagine you need a knee operation. The NHS waiting list could be many months, during which you might be unable to work. With PHI, you could be seen by a specialist and have the surgery within weeks. Your Income Protection policy would cover your lost earnings during this shorter recovery period, getting you back to work and earning again far more quickly.
- Key Benefits: In an environment of record NHS waiting lists (with the consultant-led referral to treatment waiting list in England standing at several million), PHI offers prompt access to specialists, diagnostic scans (MRI, CT), and private hospital treatment, along with a choice of surgeon and hospital.
For the Business Owner & Company Director
Your personal growth is intrinsically linked to the health of your business. Protecting one means protecting the other.
- Key Person Insurance: Is there someone in your business (including you) whose death or critical illness would cause a significant financial loss? Key Person insurance pays a lump sum to the business to cover lost profits, recruit a replacement, or clear business debts.
- Executive Income Protection: This is an Income Protection policy that is paid for by the business for a director or employee. It's a highly tax-efficient way to provide cover, as the premiums are typically an allowable business expense.
- Relevant Life Cover: A tax-efficient alternative to a traditional 'death-in-service' scheme, perfect for small businesses. The company pays the premiums, but the benefit is paid directly to the employee's family, free from most taxes and outside of the employee's pension lifetime allowance.
For the Self-Employed & Freelancer
As a freelancer, you are the CEO, the finance department, and the entire workforce. Your ability to earn is your single greatest asset.
- Income Protection is Non-Negotiable: Without any employer safety net, a comprehensive 'own occupation' Income Protection policy is the bedrock of your financial security. It ensures that an illness or injury doesn't also become a business-ending catastrophe.
- Critical Illness Cover for Breathing Space: A CIC payout can provide a crucial capital injection to keep your business afloat or cover personal bills while you decide on your next steps after a serious health event.
WeCovr: Your Partner in Building Resilience
Navigating the protection market can feel overwhelming. The terminology is complex, and the sheer number of providers and policy variations can lead to confusion. This is where expert guidance is invaluable.
At WeCovr, we believe that a robust protection strategy is not just about insurance policies; it's the very foundation of a life lived without fear and with the freedom to grow. Our role is to act as your expert partner, helping you understand your unique risks and build a tailored shield that fits your life and your budget. We work with all the major UK insurers, comparing the entire market to find the most suitable and competitive cover for your specific needs, whether you're a self-employed electrician, a company director, or a parent planning for your family's future.
We also believe in a holistic approach to wellbeing. We go beyond the policy, providing our clients with complimentary access to tools designed to support their health goals. A prime example is our proprietary AI-powered calorie tracking app, CalorieHero, which empowers you to take proactive control of your nutrition—a key factor in long-term health and a tangible demonstration of our commitment to your overall wellbeing.
The 'Unbreakable You' Blueprint: Integrating Protection into Your Growth Plan
A financial safety net doesn't operate in a vacuum. It integrates seamlessly with your existing personal growth strategy, amplifying its effectiveness.
Wellness & Proactive Health Having the right cover in place encourages a proactive approach to health, rather than a reactive one.
- Incentivised Health: Insurers reward healthy lifestyles. Non-smokers pay significantly lower premiums, as do those with a healthy BMI. By managing your health, you not only reduce your risk of illness but also the cost of your protection.
- Empowering Action: Knowing you have Private Medical Insurance can prompt you to get that niggling pain checked out sooner. Knowing your income is protected can give you the confidence to take the necessary time off to recover fully from an illness, rather than returning to work too early and risking a relapse.
Career & Financial Empowerment Financial resilience is a launchpad for professional growth.
- The Freedom to Take Calculated Risks: Have you ever dreamed of starting your own business? Or pivoting to a new career? The fear of losing a stable salary is often the biggest barrier. With a solid Income Protection policy in place, that fear is neutralised. You have a guaranteed income safety net, giving you the courage to take the leap.
- Focus on Your Craft: For a freelance creative or a skilled tradesperson, financial anxiety is a creativity killer. When you don't have to worry about where the next mortgage payment will come from if you get sick, you are free to dedicate your mental energy to doing your best work, innovating, and growing your business.
Real-Life Scenarios: Protection in Action
Let's move from theory to reality. Here’s how a well-structured plan works in the real world.
Scenario 1: Sarah, the Self-Employed Electrician Sarah, 35, runs a successful electrical contracting business. While lifting heavy equipment, she suffers a severe herniated disc in her back, requiring surgery and a six-month recovery period.
- Without Protection: Sarah's income stops immediately. She uses her savings to cover the first two months of bills, but soon falls behind on her mortgage. The stress is immense, and she feels pressured to return to work before she is fully healed, risking permanent damage.
- With Protection: Sarah's 'own occupation' Income Protection policy kicks in after a 4-week deferment period. It pays her £2,500 a month, tax-free. This covers her mortgage, bills, and living costs. She can focus entirely on her physiotherapy and recovery, knowing her family's finances are secure. She returns to work fully healed and ready to rebuild her business.
Scenario 2: David, the Marketing Director David, 48, is a director at a growing tech firm. He is diagnosed with bowel cancer following a routine screening.
- Without Protection: The diagnosis is a huge shock. While his company offers some sick pay, it's not enough to cover his family's high outgoings. He faces a long wait for treatment on the NHS, causing extreme anxiety.
- With Protection: David has a comprehensive plan.
- Private Medical Insurance: He sees a top oncologist within days and his surgery is scheduled for the following week in a private hospital.
- Critical Illness Cover: His policy pays out a £150,000 lump sum. He uses this to clear the family's outstanding car loan and credit card debt, and sets the rest aside to cover any shortfalls.
- Executive Income Protection: His company-paid policy ensures his full salary continues throughout his 9-month treatment and recovery period. The financial pressure is completely removed, allowing David and his family to focus on what truly matters: his health.
Frequently Asked Questions (FAQ)
Isn't protection insurance too expensive?
The cost of protection insurance varies widely based on your age, health, occupation, the type of cover, and the amount you need. However, it's often more affordable than people think. The more critical question is, can you afford *not* to have it? The cost of losing your income for a year would far outweigh the monthly cost of an income protection policy. An expert broker like us at WeCovr can compare the market to find cover that fits your budget, and simple adjustments, like extending the deferment period, can make a big difference to the premium.
Do I need a medical exam to get cover?
Not always. For younger applicants seeking smaller amounts of cover, insurers can often make a decision based on the application form alone. For larger sums of cover, older applicants, or those with declared health issues, the insurer may request a GP report or a mini-screening with a nurse. Being transparent on your application is the most important thing.
What if I have a pre-existing medical condition?
You must always declare any pre-existing conditions. Not doing so could invalidate your policy at the point of a claim. For many common conditions that are well-managed, you may still be able to get cover at standard rates. For more serious conditions, an insurer might apply an 'exclusion' (meaning you can't claim for that specific condition) or increase the premium. A specialist broker is essential here, as they know which insurers are more favourable for certain conditions.
How much cover do I actually need?
There is no one-size-fits-all answer, as it depends on your individual circumstances. For life insurance, a common rule of thumb is to seek a lump sum that is 10 times your annual salary, or enough to clear your mortgage and other debts. For Income Protection, you can typically cover 50-65% of your gross annual income. The best approach is to conduct a detailed budget analysis of your monthly outgoings to determine the exact gap you would need to fill. This is a key part of the service a financial adviser or specialist protection broker provides.
What is the difference between Income Protection and Critical Illness Cover?
This is a crucial distinction. Critical Illness Cover pays a one-off, tax-free lump sum if you are diagnosed with a specific serious illness listed on your policy. Income Protection pays a regular, tax-free monthly income if you are unable to work due to *any* illness or injury that stops you from doing your job. A bad back might not trigger a critical illness payout, but it could stop you from working for a year, making Income Protection vital. The two policies work best together to provide comprehensive cover.
Securing Your Legacy of Growth
Your journey of personal development is precious. It represents your ambitions, your potential, and the future you are building for yourself and your family. To leave that journey exposed to the financial devastation of a sudden health crisis is to build a beautiful house on unstable foundations.
Intelligent financial protection is not about planning for failure; it is about engineering the conditions for success. It's the silent, powerful engine of resilience that ensures a setback does not become a catastrophe. It's the shield that allows you to be bold, to take risks, and to pursue your growth with the unwavering confidence that you and your loved ones are secure.
Take a moment to review your personal growth strategy today. Look at the plans for your career, your skills, your health, and your legacy. Then ask yourself: is the shield in place? If not, now is the time to build it.
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!
There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!
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!