The Unseen Armor: Life's Ultimate Growth Catalyst
As 2025 health projections indicate approximately one in two individuals may face a significant health diagnosis, and vital professions from nurses to tradespeople navigate unique daily risks, true personal growth isn't just about aspiration—it's about building an unbreakable foundation. Discover how intelligent financial protection, encompassing Personal Sick Pay, Income Protection, Family Income Benefit, Life and Critical Illness Cover, and strategic Gift Inter Vivos planning, creates an invisible shield. This essential foresight, amplified by the swift recovery power of private health insurance, ensures your life’s ambitions, relationships, and potential remain resilient and uninterrupted, transforming unforeseen challenges into mere detours on your path to a truly flourishing future.
The pursuit of personal and professional growth is a fundamental human drive. We strive for a better career, a stronger family unit, a healthier body, and a richer life experience. Yet, we often build these ambitions on a foundation more fragile than we realise. The modern world, for all its opportunities, presents a stark reality: our health and our ability to earn an income are not guaranteed.
This isn't about fear-mongering; it's about foresight. True, sustainable growth is only possible when you have the confidence to reach for the next rung on the ladder, knowing that a slip won't result in a catastrophic fall. This is where intelligent financial protection comes in. It's not merely an expense; it is the unseen armor that empowers you to live boldly. It is the ultimate growth catalyst.
The Shifting Landscape of Health and Work in the UK
The statistics paint a clear and sobering picture. We are living longer, but not always in perfect health. The challenges to our wellbeing are evolving, and the traditional safety nets are under increasing strain.
A Sobering Health Outlook
A cornerstone projection from Cancer Research UK states that 1 in 2 people in the UK will be diagnosed with some form of cancer during their lifetime. While medical advancements mean survival rates are continually improving, a diagnosis of cancer—or other serious conditions like a heart attack or stroke—brings not just a physical and emotional battle, but a significant financial one.
Beyond these life-altering diagnoses, the day-to-day reality of work is taking its toll. The Office for National Statistics (ONS) reported in early 2025 that the number of people economically inactive due to long-term sickness has reached a record high, numbering in the millions. This highlights a growing gap between people's ability to work and their financial needs.
The Unique Risks of Our Vital Professions
Certain professions, the very backbone of our society, carry inherent and often underestimated risks:
- Nurses and Healthcare Professionals: These heroes face immense physical and mental strain. The demands of long shifts, the physical toll of lifting patients, and the high-stress environment can lead to burnout, musculoskeletal injuries, and mental health challenges.
- Tradespeople (Electricians, Plumbers, Builders): Working with their hands means their livelihood is directly tied to their physical fitness. A fall from a ladder, a tool-related injury, or the cumulative effect of years of manual labour can abruptly halt their ability to earn an income.
- Drivers and Logistics Professionals: Long hours on the road increase the risk of accidents and the sedentary nature of the job can contribute to long-term health issues.
For these individuals, and indeed for millions in other roles, the state-provided support system offers a very limited cushion. Statutory Sick Pay (SSP) in the UK provides a minimal weekly amount for up to 28 weeks. For most households, this is not nearly enough to cover mortgage payments, bills, and daily living costs. This is the gap where personal responsibility and foresight must take over.
What is This 'Unseen Armor'? A Breakdown of Your Financial Shield
Your 'unseen armor' is not a single product, but a suite of tailored protection policies designed to shield different aspects of your financial life. Understanding how they work together is the key to building a truly resilient foundation.
Income Protection: Your Monthly Salary Lifeline
Imagine your monthly salary suddenly stopping due to illness or injury. How long could you cope? Income Protection is designed to prevent this nightmare scenario.
- What it is: A policy that pays out a regular, tax-free monthly income if you're unable to work due to any medical reason. It continues to pay out until you can return to work, reach retirement age, or the policy term ends.
- Who it's for: Essential for anyone who relies on their income to pay their bills. This is particularly crucial for the self-employed and those in the gig economy who have no access to employer sick pay.
- How it works: You typically insure a percentage of your gross income (e.g., 50-70%). You also choose a 'deferred period'—the time you're willing to wait before the payments start (e.g., 4, 13, 26, or 52 weeks). A longer deferred period generally means a lower premium.
Think of Income Protection as your personal financial convalescence plan. It gives you the time and space to recover properly, without the stress of mounting bills.
Personal Sick Pay: The Agile Guard for Hands-On Professions
While Income Protection is designed for long-term absence, Personal Sick Pay is its agile, short-term counterpart. It is often structured as Accident & Sickness cover.
- What it is: A policy that provides a monthly income for a shorter, fixed period, typically 12 or 24 months per claim.
- Who it's for: Ideal for tradespeople, freelancers, and contract workers who face a higher risk of short-term, debilitating injuries but may find long-term cover more complex or expensive to secure. It bridges the immediate gap left by an inability to work.
- Key Difference: Unlike long-term Income Protection, which can pay out for decades, Personal Sick Pay is for a defined term. This often makes it more affordable and accessible for those in riskier occupations.
Critical Illness Cover: The Lump Sum for Life's Major Battles
A serious illness brings unexpected costs. Critical Illness Cover provides the capital to fight back without liquidating your assets or going into debt.
- What it is: A policy that pays out a one-off, tax-free lump sum on the diagnosis of a specific, serious illness listed in the policy. The number and type of conditions covered vary between insurers but typically include most cancers, heart attacks, and strokes.
- How the money can be used: The choice is yours. Common uses include:
- Clearing a mortgage or other debts.
- Paying for private medical treatment or specialist care.
- Adapting your home (e.g., installing a ramp or stairlift).
- Replacing lost income for a period.
- Taking a recuperative holiday with your family.
This cover provides financial breathing room, allowing you to focus 100% on your recovery.
Life Insurance: The Legacy of Care
Life Insurance is perhaps the most well-known form of protection. It’s not for you, but for the people you leave behind. It’s an act of profound care.
- What it is: A policy that pays out a lump sum upon your death. There are two main types:
- Term Life Insurance: Covers you for a fixed period (e.g., the length of your mortgage). It's designed to cover major debts and provide for dependents during their formative years.
- Whole of Life Insurance: Covers you for your entire life and is guaranteed to pay out whenever you die. It's often used for Inheritance Tax planning or to leave a guaranteed legacy.
- A Smart Alternative: Family Income Benefit: Instead of a single large lump sum, this policy pays out a regular, tax-free monthly or annual income to your family from the time of your death until the policy's end date. This can be much easier for a grieving family to manage and budget with than a large, intimidating lump sum.
Here is a simple table to help you distinguish between these core protection products:
| Feature | Income Protection | Critical Illness Cover | Life Insurance (Term) |
|---|---|---|---|
| Payout Trigger | Inability to work (any medical reason) | Diagnosis of a specified serious illness | Death during the policy term |
| Payout Format | Regular monthly income | One-off lump sum | One-off lump sum or regular income |
| Primary Purpose | Replace lost earnings during sickness | Cover costs associated with illness | Clear debts & provide for dependents |
| Payout Duration | Until return to work or policy end | Once per valid claim | Once upon death |
The Business Imperative: Protecting Your Enterprise and Your Team
For company directors, business owners, and the self-employed, the concept of the 'unseen armor' extends beyond personal finance. It becomes a critical component of business continuity and strategy.
For the Self-Employed and Freelancers
If you are your business, your health is your most valuable asset. With no employer to fall back on, a comprehensive Income Protection or Personal Sick Pay policy is not a luxury—it is a fundamental business expense, as vital as your laptop or your tools. It protects your personal finances, and by extension, ensures your business can survive a period of your absence.
For Company Directors: Beyond Personal Cover
As a director, you have a responsibility not just to yourself and your family, but to your employees, your fellow directors, and your shareholders. Specialist business protection policies are designed to safeguard the company itself.
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Key Person Insurance: Imagine your business loses its top salesperson, its genius coder, or the founder with all the industry contacts. Key Person Insurance is a policy taken out by the business on the life of a crucial employee. If that person dies or suffers a critical illness, the policy pays a lump sum to the business. This money can be used to cover recruitment costs, train a replacement, or manage the loss of profits during the transition. It turns a potential catastrophe into a manageable business challenge.
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Executive Income Protection: This is a high-grade Income Protection policy paid for by the business, for its directors and key employees. It is a highly attractive employee benefit and is treated as a business expense, making it tax-efficient for the company. It typically offers more generous cover levels than a personal plan, reflecting the director's value to the business.
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Relevant Life Cover: A tax-efficient death-in-service benefit for individual employees, including directors. The premiums are paid by the company but are not typically treated as a benefit-in-kind, meaning no extra tax for the employee. The payout goes to the employee's family via a trust, free from most inheritance tax. It's an excellent way for small businesses to offer a competitive benefit that is usually only available in large corporations.
Here’s a breakdown of these essential business protection tools:
| Policy | Who is Insured? | Who Pays the Premium? | Who Receives the Payout? | Primary Goal |
|---|---|---|---|---|
| Key Person | A crucial employee/director | The Business | The Business | Business continuity |
| Executive IP | A director/senior employee | The Business | The Insured Individual | Attract & retain talent |
| Relevant Life | A director/employee | The Business | The Individual's Family (via trust) | Tax-efficient life cover |
A Legacy of Foresight: Gifting and Inheritance Tax Planning
True financial planning extends beyond your own lifetime. Many people wish to pass on their wealth to their children and grandchildren, helping them get on the property ladder or start a business. However, the shadow of Inheritance Tax (IHT) looms large.
In the UK, when you give away a significant asset (cash, property, etc.)—known as a 'Potentially Exempt Transfer' (PET)—it is not immediately free from IHT. It is subject to the '7-year rule'. If you pass away within seven years of making the gift, it may become subject to IHT, with the tax liability tapering down the longer you survive after making the gift.
This can create a devastating situation where your loved ones receive a tax bill instead of the full gift you intended.
This is where Gift Inter Vivos (GIV) insurance comes in.
- What it is: A specialised life insurance policy designed specifically to cover the potential IHT liability on a gift. The policy's value decreases over the seven years, in line with the tapering tax liability.
- How it works: Let's say a grandparent gifts £150,000 to their grandchild for a house deposit. They take out a GIV policy. If the grandparent passes away in year four, IHT would be due on the gift. The GIV policy pays out that exact amount, ensuring the grandchild's inheritance is protected and the tax is paid.
This is the ultimate act of foresight, ensuring your generosity reaches its intended destination, fully intact.
The Amplifier: How Private Medical Insurance (PMI) Supercharges Your Resilience
While protection policies manage the financial fallout of ill health, Private Medical Insurance (PMI) tackles the problem at its source: the illness itself. It is a powerful amplifier for your entire resilience strategy.
The NHS is a national treasure, but it is under undeniable pressure. NHS England data from 2025 shows extensive waiting lists for consultations, diagnostics, and elective surgeries. Waiting months for a scan or a procedure isn't just uncomfortable; it can lead to a condition worsening and prolongs the time you are unable to work.
PMI works in synergy with your other protections:
- Speed of Diagnosis and Treatment: PMI allows you to bypass long waiting lists, getting you access to specialists, scans (like MRI and CT), and treatment quickly.
- Reduced Claim Duration: By getting treated faster, you can recover and return to work sooner. This could mean you only need to claim on your Income Protection for a few months instead of a year or more, or potentially avoid claiming at all.
- Choice and Comfort: PMI offers you a choice of consultants and hospitals, often with the comfort of a private room, creating a less stressful environment for recovery.
Pairing PMI with Income Protection is a formidable combination. One ensures you get the best medical care as quickly as possible, while the other ensures your finances are secure while it happens.
Building Resilience from the Inside Out: The WeCovr Approach to Holistic Wellbeing
Building your 'unseen armor' is not just a box-ticking exercise of buying policies. It’s about creating a holistic strategy for a resilient life, where financial security and physical health are intertwined. This is the philosophy that guides us at WeCovr.
We believe that true growth stems from a foundation of all-round wellbeing. This means making proactive choices every day to nurture your health. Simple, consistent habits can have a profound impact on your long-term health, potentially reducing your risk of needing to claim in the first place.
- Nourish Your Body: A balanced diet rich in whole foods is your first line of defence against many chronic illnesses.
- Stay Active: Regular physical activity is proven to boost mental health, strengthen your cardiovascular system, and maintain a healthy weight.
- Prioritise Sleep: Quality sleep is non-negotiable for cognitive function, immune response, and cellular repair.
- Manage Stress: Chronic stress can have a devastating impact on your physical health. Finding healthy coping mechanisms is crucial.
As expert brokers, our role is to help you navigate the complex world of insurance to build a shield that is perfectly tailored to your unique life. We compare plans from all major UK insurers to find you the right cover at the right price.
But our commitment to your wellbeing goes further. We believe in empowering our clients with the tools for a healthier life. That’s why all WeCovr clients receive complimentary access to CalorieHero, our exclusive AI-powered calorie and nutrition tracking app. It’s our way of helping you invest in your physical health, just as you invest in your financial health with the right protection.
Putting It All Together: Real-Life Scenarios
Let's see how this 'unseen armor' looks in practice for different people.
Scenario 1: Chloe, the 32-year-old Freelance Web Developer
- Situation: Chloe is single, rents a flat, and loves the freedom of freelance life. Her income is her only source of support. Her biggest fear is an injury, like repetitive strain injury (RSI) or a broken arm, that would prevent her from using her computer.
- Her Armor: Chloe prioritises a robust Income Protection policy. She chooses a 13-week deferred period, as she has enough savings to cover three months. This policy will pay her 60% of her average monthly income if she's unable to work, allowing her to pay her rent and bills without worry while she recovers.
Scenario 2: The Patel Family – Ravi (42, Electrician) and Priya (40, Nurse)
- Situation: The Patels have a £250,000 mortgage and two children, aged 8 and 11. They both work in physically demanding jobs.
- Their Armor: They build a comprehensive shield:
- Joint Life & Critical Illness Cover: A policy for £250,000 to clear the mortgage if either of them dies or is diagnosed with a serious illness.
- Family Income Benefit: A separate, smaller policy to provide a £2,000 monthly income until their youngest child is 21, covering ongoing family costs.
- Personal Sick Pay for Ravi: As an electrician, Ravi takes out a policy that pays out for up to 12 months, covering him for more common injuries that could keep him off the tools for a few months.
- Priya's Employer Scheme: Priya benefits from a good NHS sick pay scheme for the first six months, but they rely on their joint Critical Illness cover for anything more serious.
Scenario 3: David, the 55-year-old Director of a Marketing Agency
- Situation: David co-owns a successful agency with 10 employees. His business partner, Sarah, is the creative genius behind their campaigns. David wants to pass on a significant cash gift to his son.
- His Armor:
- Executive Income Protection: Paid for by the business, this protects David's own substantial income.
- Key Person Insurance: The business takes a £500,000 policy on Sarah. If anything happened to her, this money would allow the company to hire a top-tier creative director and manage client expectations without a financial crisis.
- Gift Inter Vivos (GIV) Insurance: David gifts his son £100,000. He takes out a GIV policy to cover the potential IHT liability, ensuring his son receives the full amount, no matter what.
Your Roadmap to Building Your Unseen Armor
Feeling empowered? Here’s a simple, five-step roadmap to building your own resilient foundation.
- Assess Your Reality: Get a clear picture of your financial life. What are your monthly outgoings? What debts do you have (mortgage, loans)? Who depends on your income?
- Understand Your Risks: Honestly evaluate your situation. What are the specific health risks associated with your job? What is your family's medical history? What would be the single biggest financial shock to your household?
- Explore Your Options: Use this guide to understand the different types of cover. Think about which ones are most relevant to your biggest risks.
- Seek Expert, Impartial Advice: This is the most crucial step. The insurance market is vast and complex. An expert broker, like WeCovr, works for you, not the insurer. We analyse your specific needs and compare the entire market to find the policies that offer the best cover, the most suitable terms, and the most competitive price for you.
- Review and Adapt Regularly: Your 'unseen armor' should evolve with your life. Getting married, having children, buying a new home, or starting a business are all key moments to review your protection and ensure it's still fit for purpose.
From Unseen Armor to Unstoppable Growth
Financial protection is not about dwelling on the worst-case scenario. It is the complete opposite. It is about neutralising the worst-case scenario so you can focus, with energy and optimism, on the best-case scenario: a life of ambition, achievement, and fulfilment.
It is the freedom to change careers, to start a business, to travel, to invest in your children's future, all with the quiet confidence that you and your loved ones are protected. It transforms unforeseen challenges from potential catastrophes into mere detours.
By investing in this intelligent foresight, you are not just buying an insurance policy. You are purchasing peace of mind. You are building resilience. You are unlocking your own potential. You are forging your unseen armor, the ultimate catalyst for a truly flourishing future.
Isn't Statutory Sick Pay (SSP) enough to live on?
I'm young and healthy. Do I really need protection insurance now?
How much does this type of insurance cost?
- Type of Cover: Income Protection, Critical Illness, and Life Insurance all have different price points.
- Amount of Cover: A £500,000 life insurance policy will cost more than a £150,000 one.
- Your Age: Premiums are lower for younger applicants.
- Your Health and Lifestyle: Insurers will ask about your medical history, whether you smoke, and your alcohol consumption.
- Your Occupation: A desk-based job will typically have lower premiums for income protection than a high-risk manual trade.
- Policy Term and Features: A longer term or more comprehensive features will increase the cost.
Can I get cover if I have a pre-existing medical condition?
What is the main difference between Income Protection and Critical Illness Cover?
Why should I use a broker like WeCovr instead of going direct to an insurer?
Related guides
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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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!