The Unseen Architect of Personal Growth
You aspire to growth, but are you truly building a resilient future? As 2025 approaches, projections indicate nearly half of us will face a cancer diagnosis, over a third will battle a debilitating mental health crisis, and a quarter of working adults will be incapacitated by illness or injury, often without adequate support. These aren't just statistics; they are direct threats to your relationships, your career, and your very ability to thrive. Discover how strategic financial protections—from bespoke Personal Sick Pay tailored for tradespeople, nurses, and electricians, to comprehensive Income Protection, Life and Critical Illness Cover, and Family Income Benefit—are not just safety nets, but the essential, invisible architecture that future-proofs your personal development journey. Learn how private health insurance provides rapid access to diagnostics, specialist care, and a wider range of treatment options, bypassing public waiting lists to get you back on your feet faster and prevent medical crises from becoming financial ones. This is about more than just insurance; it’s about building an unshakeable foundation for empowered living, safeguarding your legacy with solutions like Gift Inter Vivos, and ensuring life’s inevitable challenges don’t derail your highest potential.
You have goals. You have ambition. Whether you're climbing the corporate ladder, building a business from the ground up, or mastering a trade, your focus is on progress, achievement, and personal development. You invest in courses, network with peers, and dedicate countless hours to honing your craft. But what about the foundations upon which all this growth is built?
We often overlook the invisible structures that support our ambitions. We build impressive careers and beautiful lives, assuming the ground beneath us is solid. Yet, life is unpredictable. The statistics we opened with are not scaremongering; they are a stark reality check from sources like Cancer Research UK, Deloitte, and the Association of British Insurers. They represent the fault lines that can crack the very foundations of our lives, turning a medical crisis into a financial catastrophe and derailing our journey towards our highest potential.
This guide is not about dwelling on the 'what ifs'. It's about taking control. It's about understanding that true resilience isn't just about bouncing back; it's about having the right structures in place so that when life's inevitable challenges strike, you don't fall in the first place. This is your blueprint for building an unshakeable foundation for empowered living.
The Fragility of Our Foundations: When Health Crises Become Life Crises
Imagine you’re a self-employed graphic designer, thriving on creativity and deadlines. A sudden diagnosis of a serious neurological condition means you can no longer stare at a screen for hours. Your income vanishes overnight.
Or perhaps you’re a construction project manager, and a serious back injury sustained on a weekend hike leaves you unable to visit sites or even sit at a desk for months. Your employer's sick pay runs out after a few weeks, leaving you with only the minimal support of the state.
These scenarios aren't hypothetical dramas; they are common occurrences that shatter lives across the UK every day. The impact of a serious illness or injury extends far beyond the physical symptoms.
The Financial Domino Effect:
- Income Loss: For most, a sudden inability to work means an immediate halt to their primary source of income.
- Depleted Savings: The savings you meticulously built for a house deposit or your children's education are quickly eroded by daily living costs, mortgage payments, and bills.
- Increased Debt: Credit cards and loans become a lifeline, creating a spiral of debt that adds immense financial pressure to an already stressful situation.
The Psychological Burden: The stress of a health crisis is compounded by financial anxiety. Worrying about how to pay the mortgage or feed your family actively hinders recovery. A 2024 report by Deloitte highlighted that 39% of employees have experienced poor mental health, a figure that is undoubtedly exacerbated when a physical health crisis and financial worries are added to the mix.
The Career Setback: An extended period away from work can mean:
- Missed promotions and opportunities.
- Skills becoming outdated.
- Losing professional momentum that took years to build.
In essence, a health crisis doesn't just put your life on pause; it can hit the rewind button, forcing you to rebuild financially and professionally from a weakened position. Your personal growth journey stalls, replaced by a struggle for survival.
Building the Scaffolding: An Introduction to Financial Protection
If our ambitions are the building, then strategic financial protection is the essential, often invisible, scaffolding that holds everything together during construction and renovation. It’s the structural support that ensures a setback doesn't lead to a total collapse.
Let’s demystify these tools and reframe them not as an expense, but as a fundamental investment in your life's architecture.
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Income Protection: This is your financial 'bodyguard'. If you're unable to work due to illness or injury, it provides a regular, tax-free monthly income to cover your living costs. It’s your salary, even when you can’t earn one.
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Critical Illness Cover: Think of this as a financial 'first responder'. It pays out a tax-free lump sum if you are diagnosed with a specific, serious condition defined in the policy. This money provides immediate breathing room to handle the financial shock of a diagnosis.
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Life Insurance: This is the ultimate safeguard for your loved ones' future. It provides a financial payout—either as a lump sum or a regular income—to your family if you pass away, ensuring they can maintain their quality of life without you.
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Private Health Insurance: Your express lane back to health. It covers the costs of private medical treatment, allowing you to bypass NHS waiting lists for diagnostics, consultations, and procedures, getting you back on your feet—and back to your life—faster.
Together, these policies form a comprehensive shield, protecting your income, your assets, your family, and your future from the devastating impact of unforeseen health events.
Income Protection: Your Monthly Salary's Bodyguard
For most working people, their ability to earn an income is their single most valuable asset. It pays for everything: your home, your food, your holidays, your children's futures. Yet, it is often the most unprotected asset.
Statutory Sick Pay (SSP) in the UK is currently £116.75 per week (2024/25 rate), and it’s only payable by your employer for up to 28 weeks. Could your household survive on less than £500 a month? For the vast majority, the answer is a resounding no.
This is the gap that Income Protection (IP) is designed to fill.
How Does It Work? An IP policy pays out a regular monthly income, typically 50-70% of your gross earnings, if you are unable to work due to any illness or injury that prevents you from doing your job.
Key terms to understand:
- Benefit Amount: The monthly sum you receive. This is calculated as a percentage of your income to ensure you have an incentive to return to work.
- Deferment Period: This is the waiting period from when you stop working to when the payments begin. It can range from 4 weeks to 52 weeks. The longer the deferment period, the lower the premium. You can align this with your employer’s sick pay policy or your personal savings.
- Definition of Incapacity: This is crucial. The best policies use an 'Own Occupation' definition. This means the policy 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 type of work.
Table: The Stark Reality - SSP vs. Income Protection
| Feature | Statutory Sick Pay (SSP) | Typical Income Protection Policy |
|---|---|---|
| Weekly Payout | £116.75 | £575 (on a £60k salary) |
| Monthly Payout | ~£506 | £2,500 (tax-free) |
| Maximum Duration | 28 weeks | Until retirement age (e.g., 68) |
| Covers | Sickness only | Any illness or injury |
| Control | Government/Employer set | You choose the terms |
Specialised Cover for Hands-On Professionals: Personal Sick Pay
For tradespeople, nurses, electricians, and others in physically demanding or higher-risk jobs, the standard IP model can sometimes be less accessible or more expensive. This is where Personal Sick Pay policies come in. These are often simplified, shorter-term income protection plans designed to provide immediate support.
They typically offer:
- Shorter Deferment Periods: Often as short as one week.
- Shorter-Term Payouts: Benefits might be paid for 1, 2, or 5 years per claim, rather than until retirement. This makes them more affordable.
- Focus on Immediate Needs: They are designed to cover the bills and keep you afloat during a period of recovery from a common injury or illness, without the long-term commitment of a full IP plan.
For a self-employed plumber who can’t work with a broken wrist, a Personal Sick Pay plan can be the difference between a few weeks of rest and a financial crisis.
Critical Illness Cover: The Financial First Responder
While Income Protection replaces your monthly salary, Critical Illness Cover (CIC) is designed to deal with the immediate, large-scale costs and financial adjustments that a serious illness brings.
A diagnosis of cancer, a heart attack, or a stroke changes everything in an instant. Suddenly, you face a host of unexpected expenses:
- Modifications to your home (e.g., a stairlift or wheelchair ramp).
- Costs of private treatment or specialist care not available on the NHS.
- Travel and accommodation for treatment at a specialist hospital.
- The need for a partner to take time off work to become a carer, resulting in a second lost income.
A CIC policy pays out a single, tax-free lump sum upon the diagnosis of one of a list of specified conditions. This money is yours to use however you see fit, providing the financial freedom to make the best choices for your health and family, not just the cheapest ones.
How Could a CIC Payout Be Used?
Imagine a £150,000 payout. This could allow you to:
- Clear your mortgage, removing your biggest monthly outgoing forever.
- Replace your partner's lost income for several years while they care for you.
- Fund cutting-edge treatments anywhere in the world.
- Take a year off work post-treatment to recover fully without financial worry.
Table: Putting a £150,000 CIC Payout to Work
| Expense Category | Potential Allocation | Impact |
|---|---|---|
| Mortgage Clearance | £100,000 | Eliminates the largest monthly bill, reduces stress. |
| Income Replacement | £25,000 | Allows a partner to take a year off work to help. |
| Home Adaptations | £10,000 | Makes daily living manageable and comfortable. |
| Medical & Wellness | £10,000 | Pays for therapies, private physio, or a recovery holiday. |
| Emergency Fund | £5,000 | Peace of mind for any unexpected future costs. |
The most important feature of CIC is that it allows you to focus 100% of your energy on what truly matters: getting better.
Life Insurance & Family Income Benefit: Securing Your Legacy
The conversation around life insurance is fundamentally a conversation about love and responsibility. It's about ensuring that the people who depend on you are financially secure, even if you're no longer there to provide for them.
Types of Life Insurance:
- Level Term Insurance: Pays out a fixed lump sum if you die within a set term. Ideal for covering an interest-only mortgage or providing a general family fund.
- Decreasing Term Insurance: The payout amount reduces over time, typically in line with a repayment mortgage. It's a cost-effective way to ensure your mortgage is paid off.
- Whole of Life Insurance: This policy guarantees a payout whenever you die, as long as you keep paying the premiums. It's often used for Inheritance Tax (IHT) planning or to leave a guaranteed legacy.
An Alternative Approach: Family Income Benefit (FIB)
While a large lump sum sounds appealing, managing it can be a daunting task for a grieving family. Family Income Benefit offers a different solution. Instead of a one-off payment, it provides a regular, tax-free monthly or annual income from the time of the claim until the end of the policy term.
This mimics your lost salary, making it far easier for your family to budget and manage their finances. It ensures the bills are paid, the school fees are covered, and life can continue with financial stability.
Table: Lump Sum vs. Family Income Benefit
| Feature | Level Term (Lump Sum) | Family Income Benefit (Income) |
|---|---|---|
| Payout | £500,000 one-off payment | £2,500 per month (£30k p.a.) |
| Pros | Provides flexibility; can pay off large debts like a mortgage instantly. | Easier to budget; replaces lost salary; prevents mismanagement of a large sum. |
| Cons | Can be overwhelming to manage; risk of spending too quickly. | Total payout decreases the later a claim is made; not suitable for clearing large debts. |
| Best For | Clearing a mortgage; creating an instant estate. | Families with ongoing costs; replacing a breadwinner's salary. |
The Power of a Trust A crucial step for any life insurance policy is to write it 'in trust'. This simple legal arrangement makes the policy payout outside of your estate. The benefits are enormous:
- Avoids Inheritance Tax: The payout goes directly to your beneficiaries without being counted as part of your estate for IHT purposes.
- Avoids Probate: It bypasses the lengthy and often costly legal process of probate, meaning your family gets the money in weeks, not months or even years.
The Business Owner's Blueprint for Resilience
If you're a company director, business owner, or key decision-maker, your personal resilience is inextricably linked to your business's resilience. The right protection strategies not only safeguard your family but also ensure the survival and continuity of the enterprise you've worked so hard to build.
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Key Person Insurance: What would happen if your top salesperson, genius developer, or you yourself were suddenly unable to work? Key Person Insurance is a policy taken out by the business on the life or health of a crucial employee. If that person dies or suffers a critical illness, the business receives a lump sum to cover lost profits, recruit a replacement, or repay business loans. It's life insurance for your company's most valuable assets.
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Executive Income Protection: This is a highly tax-efficient way for a limited company to provide income protection for its directors and employees. The company pays the premiums, which are typically an allowable business expense, and the policy pays out to the company, which then distributes the benefit to the employee through PAYE. It’s a powerful tool for attracting and retaining top talent.
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Shareholder or Partnership Protection: If you co-own a business, what happens if one partner dies or becomes critically ill? Their share of the business typically passes to their family, who may have no interest or ability to run the company. This can lead to conflict or even the forced sale of the business. Shareholder Protection provides the surviving owners with the funds to buy the deceased or ill partner's shares at a pre-agreed price, ensuring a smooth transition and the survival of the business.
Navigating the world of business protection can be complex. At WeCovr, we have specialist advisors who understand the unique challenges faced by business owners and can create a tailored strategy that protects your business, your partners, and your family.
The Private Health Insurance Advantage: Accelerating Your Recovery
While the NHS is a national treasure, it is under unprecedented strain. Waiting lists for consultations, diagnostic scans, and non-urgent surgery can stretch for months. For anyone whose livelihood and personal growth depend on being healthy and active, these delays can be devastating.
Private Health Insurance (PHI), also known as Private Medical Insurance (PMI), is not a replacement for the NHS but a powerful complement to it. It is designed to get you diagnosed and treated quickly, minimising the disruption to your life.
Key Benefits of PHI:
- Rapid Diagnostics: Get an MRI, CT scan, or ultrasound within days, not months, allowing for a swift and accurate diagnosis.
- Prompt Specialist Access: See a leading consultant in your field at a time that suits you.
- Choice and Control: Choose your specialist and the hospital where you receive treatment.
- Comfort and Privacy: Recover in a private room with en-suite facilities, more flexible visiting hours, and better food.
- Access to Advanced Treatments: Some policies provide access to new drugs or therapies that are not yet approved for use on the NHS due to cost.
For someone pursuing personal growth, the value is clear. A six-month wait for a knee operation could mean six months of pain, immobility, and inability to work or exercise. With PHI, that same operation could happen within weeks, putting you on the road to recovery—and back on track with your goals—dramatically faster.
Beyond the Policy: The Added Value of Modern Protection
Today's insurance policies are more than just a promise of a future payout. Insurers recognise that it's in everyone's best interest to help you stay healthy and get better faster. Consequently, most modern protection policies come with a suite of valuable benefits you can use from day one, at no extra cost:
- Virtual GP Services: 24/7 access to a GP via phone or video call.
- Mental Health Support: Access to counselling and therapy sessions.
- Second Medical Opinion Services: Get an opinion on your diagnosis and treatment plan from a world-leading expert.
- Physiotherapy & Rehabilitation Support: Services to help you recover from injury.
At WeCovr, we believe in this holistic approach to wellbeing. We don't just find you a policy; we support your health journey. That's why, in addition to the benefits included with your policy, our customers also receive complimentary access to our AI-powered calorie tracking app, CalorieHero. We believe that empowering you with tools to manage your daily health is a vital part of building a truly resilient future.
The Legacy Protector: Understanding Gift Inter Vivos Insurance
For those in the fortunate position of being able to pass on significant wealth, Inheritance Tax (IHT) can be a major concern. One common estate planning strategy is to make a substantial gift to a loved one, known as a Potentially Exempt Transfer (PET).
If you survive for seven years after making the gift, it falls completely outside of your estate for IHT purposes. However, if you die within those seven years, the gift becomes subject to IHT on a sliding scale.
This is where Gift Inter Vivos insurance comes in. It is a specialised life insurance policy designed to cover this tapering IHT liability. The level of cover decreases over the seven-year term, mirroring the reducing tax bill.
Table: How Gift Inter Vivos Covers the IHT Taper
| Years Between Gift & Death | IHT Due on Gift | Policy Payout |
|---|---|---|
| 0–3 years | 40% | 100% of tax liability |
| 3–4 years | 32% | 80% of tax liability |
| 4–5 years | 24% | 60% of tax liability |
| 5–6 years | 16% | 40% of tax liability |
| 6–7 years | 8% | 20% of tax liability |
| 7+ years | 0% | £0 (Policy ends) |
This clever policy ensures that your generous gift reaches your beneficiaries in full, without them having to find the money to pay an unexpected tax bill.
Building Your Fortress: Practical Steps to Take Today
You wouldn't build a house without a detailed blueprint, and you shouldn't build your life's ambitions on shaky ground. It's time to become the architect of your own resilience. Here's how to start.
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Conduct a Personal Audit. Honestly assess your situation. What are your monthly outgoings? How much do you have in savings? What support would your employer provide if you were off sick long-term? Who depends on you financially?
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Identify Your Vulnerabilities. The gap between what you need and what you have is your risk exposure. For most, the £116.75 per week from SSP is the biggest and most dangerous gap.
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Prioritise Your Protection. You may not be able to afford every type of cover at once. Prioritise based on your biggest risks. For a young single person, Income Protection might be the top priority. For a family with a mortgage, Life and Critical Illness Cover is essential.
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Seek Independent, Expert Advice. The world of insurance is complex, and going direct to an insurer means you only see one small part of the market. A specialist broker like WeCovr works for you. We assess your unique needs and compare policies and premiums from all the UK's leading insurers to find the most suitable and cost-effective solutions. We handle the paperwork and are there to help if you ever need to make a claim.
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Review and Adapt. Your protection needs are not static. A new job, a marriage, the birth of a child, a bigger mortgage—all these life events should trigger a review of your cover to ensure it still aligns with your life.
Your future self is counting on the decisions you make today. Don't leave your personal growth, your family's security, and your life's work to chance. By strategically building a fortress of financial protection, you give yourself the greatest gift of all: the freedom to pursue your highest potential, knowing you have an unshakeable foundation beneath you.
Isn't this type of insurance really expensive?
I have a pre-existing medical condition. Can I still get cover?
What's the main difference between Income Protection and Critical Illness Cover?
Do I get anything from these policies if I never claim?
Why should I use a broker like WeCovr instead of a price comparison site or going direct to an insurer?
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!