The Unseen Edge: Beyond Personal Growth
Is the silent dread of financial disruption truly limiting your life's potential and relationships? With projections showing that by 2025, nearly 1 in 2 people in the UK will face a cancer diagnosis in their lifetime, and countless others will contend with serious illness or injury, financial vulnerability remains a hidden barrier to true self-development. This groundbreaking perspective reveals how strategic financial protection – encompassing Family Income Benefit, Income Protection, Life and Critical Illness Cover, specialised Personal Sick Pay for our indispensable tradespeople, nurses, and electricians, alongside the transformative power of private health insurance and thoughtful Gift Inter Vivos planning – isn't merely a safety net. It's the radical catalyst for unlocking genuine freedom, fostering deeper connections, and embracing a truly unburdened life, empowering you to thrive without fear, regardless of what tomorrow brings.
We talk a great deal about personal growth. We invest in courses, read self-help books, practice mindfulness, and strive to become better versions of ourselves. Yet, for many of us, there's an invisible anchor holding us back—a low-level, persistent hum of anxiety about what would happen if our income suddenly stopped.
This isn't just about money. It's about the very foundation upon which we build our lives, our dreams, and our relationships. This financial vulnerability is a silent saboteur, subtly influencing our decisions, capping our ambitions, and straining our connections with loved ones. When you’re worried about paying the mortgage after an unexpected diagnosis or funding your children's future if you're no longer around, can you truly be present? Can you take the calculated risks that lead to growth?
The statistics are sobering. Projections from Cancer Research UK suggest that by 2025, a staggering 1 in 2 of us will be diagnosed with cancer in our lifetime. Add to this the risk of heart attacks, strokes, and serious accidents, and the picture becomes clear: a health crisis can strike anyone, at any time. When it does, the last thing you or your family should be worrying about is money.
This guide is designed to shift your perspective. It will show you that financial protection isn't a morbid preoccupation with the worst-case scenario. It is the ultimate act of self-care and empowerment. It’s the unseen edge that allows you to pursue your potential, secure in the knowledge that you have built a fortress around what matters most.
The Hidden Cost of Financial Anxiety: A Barrier to a Fuller Life
Financial anxiety isn't just a feeling; it's a physiological and psychological state that has profound consequences. It's the knot in your stomach when you think about your minimal sick pay, the career change you didn't pursue for fear of instability, or the quiet tension that arises during family budget discussions.
How Financial Insecurity Limits You:
- Stifled Ambition: Have you ever dreamed of starting your own business, going freelance, or taking a lower-paying but more fulfilling job? For many, the fear of losing a steady salary and benefits package is a dream-killer. A robust financial safety net gives you the courage to take that leap.
- Relationship Strain: Money is one of the leading causes of stress in relationships. When a health crisis hits, financial pressure can amplify emotional turmoil, leading to arguments and resentment. Securing your finances removes this toxic element, allowing you and your partner to focus on support and recovery.
- Compromised Well-being: Chronic stress about finances can impact your mental and physical health, affecting sleep, increasing blood pressure, and contributing to anxiety and depression. It creates a vicious cycle where worrying about your health is compounded by worrying about the financial fallout of getting ill.
- Parental Anxiety: As a parent, your primary instinct is to protect your children. The thought of not being able to provide for them due to illness or death is a heavy burden. This anxiety can prevent you from being the present, joyful parent you want to be.
Imagine the freedom of knowing that if you were unable to work for six months, your mortgage would still be paid. Picture the peace of mind that comes from knowing your children's future is secure, no matter what. This isn't a fantasy; it's the tangible outcome of strategic financial planning.
Redefining 'Protection': From Safety Net to Springboard
For too long, insurance has been marketed with a focus on fear. Let's reframe it. Think of it not as a cost, but as an investment in your freedom and potential.
- A Safety Net catches you when you fall. It's reactive.
- A Springboard propels you forward. It's proactive.
A comprehensive protection plan is a springboard. It frees up your mental and emotional bandwidth. Instead of being consumed by "what if," you can focus on "what's next." It's the permission you give yourself to live more boldly, love more deeply, and build a life based on your aspirations, not your fears.
At WeCovr, we see this transformation in our clients every day. They come to us looking for a safety net and leave with a springboard, empowered to make life choices from a position of strength, not vulnerability.
Your Personalised Toolkit for Financial Freedom
There is no one-size-fits-all solution when it comes to financial protection. The right strategy depends on your personal circumstances, your career, your family, and your goals. Let's break down the key tools available to build your financial fortress.
Income Protection: The Cornerstone of Your Financial Well-being
If your ability to earn an income is your most valuable asset, then Income Protection (IP) is the insurance that protects it. It's arguably the most critical component of any working adult's financial plan.
What is it? Income Protection is a long-term insurance policy that provides a regular, tax-free replacement income if you are unable to work due to illness or injury. It pays out after a pre-agreed waiting period (the 'deferred period') and can continue to pay out until you recover, retire, or the policy term ends.
Who needs it? Almost every working adult. Consider this:
- The UK's Statutory Sick Pay (SSP) is just £116.75 per week (2024/25 rate) and is only paid for a maximum of 28 weeks. Could your family survive on that?
- According to the Association of British Insurers (ABI), 1 in 5 people will be unable to work for an extended period during their working lives.
| Who Benefits Most from Income Protection? | Why It's Essential |
|---|---|
| Self-Employed & Freelancers | No access to employer sick pay. Your income stops the day you do. |
| Company Directors | Limited company sick pay schemes; protects personal income and lifestyle. |
| Employees with Basic Cover | SSP or limited employer schemes won't cover long-term bills. |
| Primary Breadwinners | The entire family's financial stability rests on your income. |
Key Features to Understand:
- Level of Cover: You can typically cover 50-70% of your gross annual income. The payout is tax-free, so this often equates to a similar level of take-home pay.
- Deferred Period: This is the waiting period before the policy starts paying out. It can range from 4 weeks to 52 weeks. The longer the period you choose, the lower your premium. You can align it with any sick pay you receive from your employer.
- Payment Period: Most policies pay out until you can return to work, reach state pension age, or the policy term ends, whichever comes first.
An Income Protection policy isn't just a payment; it's stability. It's the guarantee that the life you've built won't crumble because of a health setback.
Life Insurance & Family Income Benefit: Securing Your Legacy
Life Insurance is about providing for your loved ones after you're gone. It addresses the fundamental question: "How would my family cope financially without me?"
There are two main ways to structure this protection:
1. Level Term Life Insurance: This is the most common form. It pays out a fixed, tax-free lump sum if you pass away during the policy term. This lump sum is typically used to:
- Pay off a mortgage.
- Cover funeral costs.
- Provide a large capital sum for your family to invest and live off.
- Settle any outstanding debts.
2. Family Income Benefit (FIB): This is a clever and often more affordable alternative. Instead of a single lump sum, FIB 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.
Why choose Family Income Benefit?
- Budget Management: It can be easier for a grieving family to manage a regular income than a huge lump sum, preventing the risk of mismanaging or spending the capital too quickly.
- Cost-Effective: Because the potential total payout decreases over time (as the remaining term shortens), FIB premiums are often significantly lower than for an equivalent lump-sum policy.
- Tailored Needs: It's perfect for replacing your lost salary to cover regular family outgoings, like bills, childcare, and school fees, for the period your children are financially dependent.
| Feature | Level Term Life Insurance | Family Income Benefit |
|---|---|---|
| Payout | One large lump sum | Regular, smaller income payments |
| Primary Use | Clear large debts (e.g., mortgage) | Replace lost monthly income |
| Cost | Generally more expensive | Often more affordable |
| Best For | Those with large capital debts | Families with young children needing ongoing support |
Choosing between these depends entirely on what you want the money to do. A good financial plan might even include a combination of both: a smaller lump-sum policy to clear the mortgage and a Family Income Benefit policy to provide an ongoing income.
Critical Illness Cover: Breathing Space When You Need It Most
Remember the statistic that 1 in 2 of us will face a cancer diagnosis? A critical illness doesn't just affect your health; it brings a tsunami of unexpected costs and financial disruption. This is where Critical Illness Cover (CIC) steps in.
What is it? CIC pays out a tax-free lump sum if you are diagnosed with one of a list of specific serious conditions defined in the policy. These typically include major cancers, heart attack, stroke, multiple sclerosis, and organ failure.
How is it different from Income Protection?
- Income Protection replaces your income if you can't work due to any illness or injury.
- Critical Illness Cover pays a lump sum upon diagnosis of a specific condition, regardless of whether you can work or not.
The two work brilliantly together. You might use the CIC lump sum to:
- Clear debts: Pay off a portion of your mortgage or clear credit cards to reduce your monthly outgoings.
- Adapt your home: Install a stairlift or a wet room if your mobility is affected.
- Pay for private treatment: Access specialist care or drugs not available on the NHS to speed up your recovery.
- Replace a partner's income: Allow your partner to take time off work to care for you without financial penalty.
- Create a financial cushion: Give you the freedom to recover without the immediate pressure of returning to work.
Modern CIC policies are incredibly comprehensive, often covering over 50 different conditions, and many now include partial payments for less severe conditions. When choosing a policy, the number of conditions covered is important, but the quality of the definitions is paramount. This is where expert advice from a broker like WeCovr is invaluable, as we can help you navigate the small print and compare the offerings from every major UK insurer.
Specialised Cover for Our Key Workers: Personal Sick Pay
Our society relies on the skilled hands and tireless dedication of tradespeople, nurses, electricians, and other manual workers. Yet, these are often the very people with the least financial protection. Many are self-employed or work in roles with minimal sick pay, and their jobs often carry a higher risk of injury.
Personal Sick Pay (often a form of shorter-term income protection) is designed specifically for them.
Key features for tradespeople and key workers:
- 'Own Occupation' Definition: This is crucial. It means the policy will pay out if you are unable to do your specific job. A policy with a lesser definition (like 'any occupation') might not pay out if you could technically work in a call centre, even if you're a skilled electrician who can no longer use their hands.
- Shorter Deferred Periods: You can get policies that start paying out after just one week, which is vital when you have no other sick pay to fall back on.
- Flexible Terms: These policies are designed to be affordable and provide a crucial safety net for the first 1, 2 or 5 years of an illness, covering the most common durations of absence.
For a self-employed plumber, a nurse on a zero-hours contract, or a freelance electrician, this type of cover isn't a luxury; it's a fundamental business and personal expense. It's the difference between a temporary setback and a financial catastrophe.
The Power of Private Medical Insurance (PMI)
While the NHS is a national treasure, it is under undeniable strain. Waiting lists for consultations, scans, and non-urgent procedures can be long. For anyone who is self-employed or a key business owner, long waits mean lost income and business disruption.
Private Medical Insurance (PMI) gives you and your family fast-track access to private healthcare.
The Benefits of PMI:
- Speed: Quickly see a specialist and get diagnostic tests like MRI and CT scans.
- Choice: Choose your specialist and the hospital where you are treated.
- Comfort: Access to private rooms and more flexible visiting hours.
- Access to New Treatments: Some policies provide cover for new drugs or treatments not yet approved for widespread NHS use.
By getting diagnosed and treated faster, you can return to health, work, and life sooner. When combined with Income Protection and Critical Illness Cover, PMI forms a powerful trio that protects your health, your wealth, and your well-being.
Gift Inter Vivos: Thoughtful Estate Planning for the Future
Thinking about the future also means planning for what you leave behind. Many people are unaware of the tax implications of gifting money or assets to their children or grandchildren.
What is a Gift Inter Vivos policy? In the UK, if you gift a significant asset (like property or a large sum of money) and then pass away within seven years, that gift may be subject to Inheritance Tax (IHT). A Gift Inter Vivos policy is a special type of life insurance designed to pay out a lump sum to cover this potential tax bill.
The policy's cover amount reduces over the seven-year period, mirroring the tapering relief offered by HMRC on IHT for gifts. It's a simple, cost-effective way to ensure your gift is received in full by your loved ones, without an unexpected and unwelcome tax demand.
The Business Angle: Protecting Your Livelihood
For company directors, business owners, and partners, the line between personal and business finance is often blurred. A personal health crisis can quickly become a business crisis. Specialised business protection is essential.
Key Person Insurance: Shielding Your Business from Loss
Who is indispensable to your business? Is it the founder with the vision, the sales director with the contacts, or the technical genius who created your product?
What is Key Person Insurance? This is a life insurance and/or critical illness policy taken out by the business on a 'key' individual. The business pays the premiums and is the beneficiary of the policy. If the key person passes away or suffers a specified critical illness, the policy pays a lump sum directly to the business.
This money can be used to:
- Recruit a replacement: Cover the costs of hiring and training a new person.
- Repay business loans: Satisfy lenders who may be concerned about the business's stability.
- Replace lost profits: Provide a cash injection to keep the business afloat during a turbulent period.
- Reassure investors and clients: Demonstrate that the business is resilient and has a continuity plan.
Without this cover, the loss of a key individual can be a fatal blow to a small or medium-sized enterprise.
Executive Income Protection: A Director's Essential Benefit
While standard Income Protection is a personal policy, Executive Income Protection is a valuable alternative for company directors and salaried employees.
How does it work? The policy is owned and paid for by the limited company. If the insured director or employee is unable to work, the benefits are paid to the company, which then pays the individual's salary through the PAYE system.
The Advantages:
- Tax Efficiency: The premiums paid by the business are typically treated as an allowable business expense, making it a highly tax-efficient way to provide cover.
- Higher Cover Limits: Insurers often offer more generous cover limits (up to 80% of remuneration) compared to personal plans.
- Attract & Retain Talent: Offering a comprehensive benefits package, including Executive IP, can be a powerful tool for attracting and keeping top-quality staff.
For a company director, this is a must-have. It protects your personal income using company funds in the most tax-efficient way possible, ensuring you can maintain your lifestyle even if you can't run your business.
The WeCovr Advantage: A Holistic Approach to Your Well-being
Navigating the world of protection insurance can feel complex. With dozens of providers and subtle but crucial differences in policy wording, how do you choose? This is where working with an independent expert broker is vital.
At WeCovr, our role is to demystify the process. We work for you, not the insurance companies. Our team of specialists takes the time to understand your unique personal and business circumstances. We then search the entire market, comparing policies from all the UK's leading insurers to find the right cover at the most competitive price. We translate the jargon and highlight the features that matter to you.
But we believe in going further. We know that true well-being is a combination of financial security and a healthy lifestyle. That's why every client who arranges a policy with us receives complimentary access to CalorieHero, our exclusive AI-powered calorie and nutrition tracking app. It's our way of investing in your health today, just as we help you protect your financial future for tomorrow. It's a small part of our commitment to your holistic well-being.
Beyond Insurance: Cultivating a Holistically Healthy Life
While having the right insurance provides a crucial financial backstop, the ultimate goal is to live a long, healthy, and fulfilling life. The habits you cultivate today can have a dramatic impact on your future health risks.
- Nourish Your Body: A balanced diet rich in fruits, vegetables, lean proteins, and whole grains is fundamental. Small changes, like reducing processed foods and sugary drinks, can significantly lower your risk of conditions like heart disease and type 2 diabetes.
- Move Every Day: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This doesn't have to mean gruelling gym sessions. Brisk walking, cycling, dancing, or even vigorous gardening all count. Regular exercise boosts mood, improves sleep, and strengthens your body against illness.
- Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. Poor sleep is linked to a host of health problems, including a weakened immune system and an increased risk of chronic disease. Create a relaxing bedtime routine and make your bedroom a sanctuary for rest.
- Manage Stress: The link between chronic stress and poor health is well-established. Find healthy coping mechanisms that work for you, whether it's mindfulness, yoga, spending time in nature, or connecting with friends.
Protecting your finances and protecting your health are two sides of the same coin. They are both acts of proactive self-investment that pay dividends in the form of a richer, freer, and more resilient life.
Taking the First Step: Your Path to an Unburdened Life
You've read the facts, you understand the tools, and you've seen the vision of a life unburdened by financial fear. Now is the time for action. Don't let inertia be the reason your future remains unprotected.
Here’s your simple, three-step plan:
- Assess Your Situation: Take 30 minutes to honestly evaluate your financial position. What are your monthly outgoings? What savings do you have? What sick pay would you get, and for how long? Who depends on you financially? This simple audit will reveal your unique pressure points.
- Define Your 'Why': What are you protecting? Is it your family's home? Your children's education? Your business's future? Your own peace of mind? Connecting your financial plan to your deepest values provides powerful motivation.
- Seek Expert Guidance: Don't go it alone. The world of protection insurance is nuanced. An independent expert can save you time, money, and the risk of getting inadequate cover. They can craft a bespoke plan that fits your budget and provides robust protection precisely where you need it most.
The quiet dread of "what if" doesn't have to be your reality. By taking proactive steps to build your financial fortress today, you are giving yourself the ultimate gift: the freedom to pursue your potential, deepen your relationships, and live a truly unburdened life, no matter what tomorrow brings. You are securing your unseen edge.
I'm young and healthy, do I really need this type of insurance?
Is Income Protection the same as the PPI I've heard about?
I have some savings, isn't that enough?
Do insurance companies actually pay out claims?
Can I get cover if I am self-employed?
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!