The Unseen Architect of Your Best Life
Beyond wishful thinking: Discover how strategically aligning financial foresight, from essential Income Protection and specialized Personal Sick Pay for tradespeople to comprehensive Life and Critical Illness Cover, alongside agile private health insurance, creates the bedrock for unparalleled personal growth, relationship resilience, and true freedom, even as projections for 2025 reveal that 1 in 2 people will face a cancer diagnosis in their lifetime. Learn how Family Income Benefit, Life Protection, and Gift Inter Vivos payouts empower you and your loved ones, transforming uncertainty into your greatest accelerator for a life fully lived.
We all have a vision for our "best life." It might involve career ambitions, globetrotting adventures, raising a happy family, or simply enjoying the peace and quiet of a well-earned retirement. We build this vision on a foundation of hard work, passion, and a healthy dose of optimism. But what happens when life, with its unpredictable nature, tests the strength of that foundation?
Too often, we relegate financial protection to a dusty corner of our minds labelled "for later." It feels negative, complex, and something to deal with only when forced. This is a profound mistake. Strategic financial planning isn't about dwelling on the worst-case scenario; it's about methodically removing the financial fallout from those scenarios, leaving you free to focus on what truly matters: recovery, family, and living fully.
The statistics are not just numbers; they are stories of real people. Projections from Cancer Research UK for 2025 suggest a sobering reality: one in every two people in the UK will be diagnosed with cancer in their lifetime. This isn't a scare tactic; it's a call to action. It’s a prompt to shift our perspective from wishful thinking to strategic foresight.
This guide is your blueprint. It will show you how products like Income Protection, Life and Critical Illness Cover, and even more specialised plans for tradespeople and company directors, are not mere insurance policies. They are the unseen architects of your best life, providing the stability and security that foster personal growth, strengthen relationships, and unlock true, unshakeable freedom.
The Elephant in the Room: Confronting Our Modern Vulnerabilities
Before we build, we must understand the landscape. In the UK today, the pressures on our health and finances are multifaceted and growing. Ignoring them doesn't make them disappear.
- The Health Challenge: Beyond the stark cancer statistics, millions grapple with conditions that impact their ability to work. According to the Office for National Statistics (ONS), an estimated 2.8 million people were economically inactive due to long-term sickness in late 2023 – a record high. Musculoskeletal problems and mental health conditions are leading causes of long-term absence.
- The Financial Squeeze: The state safety net, while vital, is often insufficient to cover a household's entire outgoings. Statutory Sick Pay (SSP) amounts to just over £116 per week (for the 2024/25 tax year). For the average family, this would barely scratch the surface of mortgage payments, utility bills, and food costs.
- The Rise of Flexible Working: The gig economy, freelance careers, and self-employment have brought incredible freedom. However, this freedom comes at the cost of traditional employee benefits like comprehensive sick pay, death-in-service benefits, and private health cover. This places the responsibility for creating a safety net squarely on the individual's shoulders.
Facing these realities isn't pessimistic; it's pragmatic. Acknowledging risk is the first step towards mitigating it. By doing so, you take control of the narrative, transforming "what if?" into "what's next?".
Building Your Bedrock: The Core Pillars of Financial Resilience
Think of your financial protection plan as a multi-layered defence system. Each layer serves a unique purpose, but they work together to create a formidable shield around you and your loved ones.
1. Income Protection (IP): Your Monthly Salary When You Can't Earn
If your ability to earn an income is your most valuable asset, then Income Protection is the insurance on that asset. It is, arguably, the most crucial policy for any working adult.
What is it? IP pays you a regular, tax-free monthly income if you're unable to work due to any illness or injury that your policy covers. It's designed to replace a significant portion of your lost earnings, typically 50-70% of your gross salary.
How it works:
- The Payout: The payments continue until you can return to work, your policy term ends (often at your chosen retirement age), or you pass away, whichever happens first.
- The Deferred Period: This is the waiting period between when you stop working and when the policy starts paying out. It can range from 4 weeks to 52 weeks. The longer the deferred period you choose, the lower your premium. You can align this with any sick pay you receive from your employer or your personal savings.
- The 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 do your specific job. Other, less comprehensive definitions like 'Suited Occupation' or 'Any Occupation' make it harder to claim.
Who is it for? Literally anyone whose lifestyle depends on their income. Employees, freelancers, and business owners alike. It covers your mortgage, rent, bills, and daily living costs, preventing a health crisis from becoming a financial catastrophe.
2. Critical Illness Cover (CIC): A Lump Sum for Life's Biggest Hurdles
While IP protects your income stream, Critical Illness Cover provides a significant, tax-free lump sum to help you deal with the immediate financial impact of a serious diagnosis.
What is it? A policy that pays out a pre-agreed cash sum if you are diagnosed with one of a list of specified medical conditions.
What does it cover? Policies vary, but core conditions almost always include:
- Cancer (of a specified severity)
- Heart attack
- Stroke
Comprehensive policies can cover 50, 100, or even more conditions, including multiple sclerosis, kidney failure, major organ transplant, and permanent paralysis.
How can the money be used? The choice is yours. This flexibility is its greatest strength. People often use the payout to:
- Clear a mortgage or other significant debts.
- Pay for private medical treatment or specialist consultations.
- Adapt their home (e.g., install a ramp or stairlift).
- Fund a period of recuperation without financial stress.
- Allow a partner to take time off work to provide care.
Given the projection that 1 in 2 of us will face cancer, having a financial buffer like this can be transformative, shifting the focus from financial worry to physical and emotional recovery.
3. Life Insurance (Life Protection): A Legacy of Care
Life insurance is perhaps the most well-known form of protection. Its purpose is simple but profound: to provide financially for the people you leave behind.
What is it? A policy that pays out a lump sum upon the policyholder's death.
Key Types:
- Level Term Assurance: You choose a lump sum amount (the 'sum assured') and a policy duration (the 'term'). If you die within the term, the policy pays out the agreed sum. The amount and premium stay the same throughout. This is often used to cover an interest-only mortgage or provide a family lump sum.
- Decreasing Term Assurance: The sum assured decreases over the policy term, usually in line with a repayment mortgage. As you pay off your mortgage, the amount of cover needed reduces. These policies are typically cheaper than level term cover.
- Family Income Benefit (FIB): A brilliant and often more affordable alternative. Instead of a single lump sum, FIB pays out a regular, tax-free income to your family from the time of your death until the policy's end date. This can be easier for a family to manage than a large lump sum and can feel like a direct replacement for a lost salary.
Example: Lump Sum vs. Family Income Benefit
| Feature | Level Term Life Insurance | Family Income Benefit |
|---|---|---|
| Payout | £250,000 single lump sum | £2,000 monthly income |
| Purpose | Clear large debts, investment | Replace monthly salary, manage budget |
| Cost | Generally higher premium | Generally lower premium |
| Best For | Those with large debts (e.g., mortgage) | Young families needing budget certainty |
Specialised Protection for the UK's Dynamic Workforce
A one-size-fits-all approach doesn't work. The nature of your work dictates your risks and, therefore, your protection needs.
For the Tradespeople: The Power of Personal Sick Pay
If you're an electrician, plumber, builder, or in any manual trade, your physical health is your business. An injury that might be an inconvenience for an office worker could be career-halting for you.
What is Personal Sick Pay? This is a type of short-term income protection, often designed specifically for those in higher-risk occupations. It pays a weekly or monthly benefit if you're unable to work due to an accident or sickness.
Why is it essential for tradespeople?
- Higher Risk of Injury: Manual work carries an inherently greater risk of physical injury.
- Self-Employed Status: Many tradespeople are self-employed, meaning no work equals no pay, and no access to employer sick pay schemes.
- Bridging the Gap: Statutory Sick Pay (SSP) is minimal. A Personal Sick Pay policy provides a realistic income replacement.
Statutory Sick Pay vs. Personal Sick Pay (Illustrative Example)
| Provision | Statutory Sick Pay (SSP) | Personal Sick Pay Policy |
|---|---|---|
| Eligibility | Employees earning above a threshold | Anyone who takes out a policy |
| Weekly Payout | Approx. £116 (2024/25) | £250 - £600+ (chosen by you) |
| Payment Duration | Max 28 weeks | Typically 1, 2, or 5 years per claim |
| Control | None - set by government | High - you choose cover level & term |
For the Self-Employed and Freelancers: Your Personal Safety Net
As a freelancer or self-employed professional, you are the CEO, the finance department, and the entire workforce. There is no one else to fall back on. Income Protection is not a luxury; it's a fundamental business continuity tool.
- Your Responsibility: You must replicate the safety net an employer would provide.
- Cash Flow is King: A deferred period on an IP policy can be tailored to your business's cash reserves. If you have 3 months of operating expenses saved, you could opt for a 13-week deferred period to lower your premiums.
- Total Peace of Mind: Knowing your personal bills are covered allows you to make better business decisions, free from the fear that a bout of illness could sink your entire enterprise.
For Company Directors and Business Owners: Tax-Efficient Corporate Protection
If you run a limited company, you have access to powerful and tax-efficient ways to protect yourself, your key staff, and your business.
1. Executive Income Protection
This is an Income Protection policy owned and paid for by your limited company for an employee or director.
- Tax Efficiency: The premiums are typically considered an allowable business expense, meaning they can be offset against your corporation tax bill.
- No P11D Issues: It's not usually treated as a P11D benefit-in-kind, so there is no extra income tax for the insured person.
- Higher Cover Levels: Insurers often allow for a higher percentage of earnings to be covered (up to 80%) compared to personal plans.
Comparison: Personal IP vs. Executive IP
| Feature | Personal Income Protection | Executive Income Protection |
|---|---|---|
| Paid By | The individual (from net income) | The Limited Company (from pre-tax profit) |
| Premiums | Not tax-deductible | Usually an allowable business expense |
| Benefit-in-Kind? | N/A | Typically no |
| Benefit Payout | Tax-free | Paid to the company, then paid out via PAYE |
2. Key Person Insurance
Who is indispensable to your business? A star salesperson? A technical genius? You? Key Person Insurance protects the business itself from the financial impact of losing such a vital individual.
- How it works: The business takes out a life and/or critical illness policy on the key employee. If that person dies or suffers a specified critical illness, the policy pays a lump sum directly to the business.
- What it covers: The payout can be used to cover lost profits, recruit and train a replacement, or repay business loans. It provides the financial breathing room to navigate a difficult transition.
3. Relevant Life Cover
This is a tax-efficient death-in-service benefit for individual employees or directors, paid for by the company. It's essentially a company-funded life insurance policy whose benefit goes directly to the employee's family or a trust, not the business. For small businesses that don't have a full group scheme, it's an incredibly valuable benefit.
Beyond the Core: Nuanced Solutions for Modern Life
Your financial life is unique, with specific challenges and goals. The protection market has evolved to offer sophisticated solutions for these needs.
Gift Inter Vivos: Shielding Your Legacy from Inheritance Tax
Inheritance Tax (IHT) is a significant concern for many families. If you make a substantial financial gift to a loved one (e.g., a deposit for a house), that gift may still be considered part of your estate for IHT purposes if you die within seven years.
What is a Gift Inter Vivos (GIV) policy? It's a specialised form of life insurance designed to cover this potential IHT liability.
- How it works: You take out a life insurance policy for the potential tax amount. The level of cover decreases over the seven-year period, mirroring the "taper relief" rules for IHT on gifts.
- The Result: If you die within the seven years, the policy pays out, providing your beneficiaries with the funds to pay the IHT bill on the gift. Your gift reaches them in full, as you intended.
Private Medical Insurance (PMI): Your Agile Health Partner
While protection insurance provides financial support, Private Medical Insurance (PMI) provides practical, timely health support. With NHS waiting lists remaining a significant concern, PMI is no longer a luxury but a strategic tool for many.
- The Goal: To get you diagnosed and treated faster.
- The Benefit: Faster access to specialist consultations, diagnostic scans (like MRI and CT), and surgical procedures.
- The Synergy: PMI works hand-in-hand with Income Protection. By helping you get treatment and recover more quickly, it can shorten the time you're off work and need to claim on your IP policy. It's a two-pronged approach to managing your health and wealth.
The Ripple Effect: How Protection Fuels Personal Growth and Resilience
This is the true, transformative power of a well-structured protection plan. It's not just about the money; it's about what the money enables.
- Unlocking Psychological Freedom: When you remove the deep-seated anxiety of "what if my income stops?", you free up immense mental and emotional energy. This is the energy you can redirect towards taking a calculated career risk, starting a side project, pursuing a creative passion, or simply being more present with your family.
- Forging Relationship Resilience: Financial strain is a leading cause of stress and breakdown in relationships. A health crisis is emotionally devastating enough without adding a financial crisis on top. A protection plan acts as a buffer, allowing a couple or family to focus on care, support, and recovery, rather than arguing about how to pay the mortgage.
- Empowering Your Loved Ones: Life insurance isn't for you; it's for them. It's a final, profound act of care. It ensures your partner isn't forced to sell the family home, that your children's education is secure, and that your loved ones are given the gift of choice during their most difficult time. It turns a legacy of potential debt into a legacy of security.
Wellness and Proactive Health: Your First Line of Defence
Insurance is a crucial backstop, but your health is your greatest asset. A proactive approach to wellness is your first and best line of defence. It can reduce your risk of illness, improve your mental resilience, and even lead to lower insurance premiums.
- Nourish Your Body: A balanced diet rich in whole foods, fruits, and vegetables is fundamental. Small, consistent changes are more effective than drastic, short-lived diets.
- Move Every Day: Aim for at least 150 minutes of moderate-intensity activity per week, as recommended by the NHS. This could be brisk walking, cycling, or swimming. Find an activity you genuinely enjoy.
- Prioritise Sleep: Quality sleep is non-negotiable for physical and mental health. Aim for 7-9 hours per night and practice good sleep hygiene: a dark, cool room and no screens before bed.
- Manage Stress: Chronic stress is hugely detrimental to health. Incorporate mindfulness, meditation, or simply time in nature into your routine.
At WeCovr, we believe protection goes beyond a policy document. That's why we provide our clients with complimentary access to our AI-powered calorie tracking app, CalorieHero. It's a simple, effective tool to help you make informed choices about your nutrition, empowering you to take proactive steps towards better health.
Navigating the Market: How to Secure the Right Protection
The UK protection market is vast and competitive. Choosing the right policy requires understanding not just the products, but your own unique circumstances.
This is where expert, independent advice is invaluable.
Navigating the complexities of different insurers and policy types can be daunting. An expert broker, like us at WeCovr, can act as your professional guide. We take the time to understand your personal situation, family structure, career, and financial goals. We then analyse and compare options from across the UK's leading insurers to find the most suitable and cost-effective cover for you.
The process involves:
- A Fact-Find: A detailed discussion about your life, health, and finances.
- Recommendation: We'll present you with tailored options, explaining the pros and cons of each in plain English.
- Application: We'll guide you through the application forms, stressing the importance of full and honest disclosure of your medical history to ensure your policy is watertight.
Conclusion: Architect Your Freedom
Thinking about illness, injury, and death is uncomfortable. But avoiding the conversation doesn't change the risk; it only relinquishes your power to control the outcome.
Strategic financial protection is one of the most empowering, life-affirming decisions you can make. It is the unseen architect quietly working in the background, ensuring the foundations of your life remain solid, no matter what storms may come.
It's the freedom to pursue your ambitions, knowing a health setback won't derail you financially. It's the resilience to support your relationships through the toughest of times. It’s the peace of mind that comes from knowing you have done everything in your power to protect the people and the life you love.
Don't leave your best life to wishful thinking. Build it on a bedrock of foresight, strategy, and care. Transform uncertainty from a source of fear into your greatest accelerator for a life fully and fearlessly lived.
Is protection insurance expensive?
The cost of protection insurance varies widely based on several factors: the type of cover, the amount of cover, your age, your health, your lifestyle (e.g., whether you smoke), and your occupation. However, it's often more affordable than people think. A young, healthy non-smoker can often secure significant life insurance or income protection cover for the price of a few cups of coffee a week. A good broker can help find a policy that fits your budget.
Do I need cover if I'm single with no dependents?
Absolutely. While you may not need life insurance, Income Protection and Critical Illness Cover are arguably even more important. If you were unable to work due to illness or injury, you would have no one else's income to rely on. An Income Protection policy would ensure you could continue to pay your rent or mortgage and bills, protecting your financial independence and preventing you from having to rely on family or the state.
What if I have a pre-existing medical condition?
You can still often get cover, but it's crucial to be completely honest during your application. The insurer might offer you standard terms, apply an 'exclusion' for your specific condition (meaning they won't pay out for claims related to it), or increase the premium. In some cases, they may decline to offer cover. An experienced adviser is vital here, as they know which insurers are more sympathetic to certain conditions and can help you navigate the process.
How much cover do I need?
There's no single answer, as it's based on your individual circumstances. For life insurance, a common rule of thumb is to cover 10 times your annual salary, but you should also factor in outstanding debts like your mortgage. For Income Protection, the goal is to cover your essential monthly outgoings. For Critical Illness Cover, consider what you'd need to clear major debts and provide a financial cushion for a year or two. A financial adviser can perform a detailed analysis to calculate the precise amount you need.
What's the difference between 'reviewable' and 'guaranteed' premiums?
Guaranteed premiums remain fixed for the entire policy term. You know exactly what you'll be paying from day one until the policy ends. This provides certainty and is generally recommended.
Reviewable premiums start cheaper but are reviewed by the insurer at regular intervals (e.g., every 5 years). They can be increased based on factors like the insurer's claims experience or general age-related risk, meaning they can become much more expensive over time.
Can I trust insurers to pay out?
Yes. The perception that insurers avoid paying claims is largely a myth. According to 2023 figures from the Association of British Insurers (ABI), UK insurers paid out 97.4% of all individual protection claims. For life insurance, the payout rate was 96.9%, for critical illness it was 91.6%, and for income protection it was 92.9%. The vast majority of declined claims are due to 'non-disclosure' – where the applicant wasn't truthful about their health or lifestyle during the application process. This is why honesty is paramount when applying.
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!