The Unseen Pillars of Thriving
We relentlessly pursue personal growth, yet often overlook its most fundamental pillar: financial resilience. As 2025 projections show 1 in 2 people may face a cancer diagnosis, and other unforeseen health challenges loom, discover how proactive protection – from Income Protection, Critical Illness Cover, Life Assurance, and Family Income Benefit, to essential Personal Sick Pay for our dedicated tradespeople, nurses, and electricians, and the strategic benefits of Gift Inter Vivos – isn't just about 'what if.' It's the enabling force for true freedom, stronger relationships, and an unburdened mind. Learn how tailored private health insurance complements this shield, ensuring swift access to care. This isn't just a safety net; it's the blueprint for an unshakeable, thriving life, regardless of what tomorrow brings.
In our modern pursuit of a better life, we've become experts in self-improvement. We optimise our diets, track our workouts, meditate for mindfulness, and climb the career ladder with relentless ambition. We invest time, energy, and money into becoming stronger, smarter, and more successful versions of ourselves. Yet, in this admirable quest for growth, there's a foundational pillar we often leave dangerously exposed: our financial resilience.
This isn't about accumulating vast wealth. It's about building a robust financial foundation that can withstand the unexpected shocks life inevitably throws our way. The statistics are not just numbers on a page; they represent the real-life challenges faced by families across the UK. Projections from leading bodies like Cancer Research UK suggest that by 2025, a staggering 1 in 2 of us will receive a cancer diagnosis in our lifetime. This, coupled with the ever-present risk of heart conditions, strokes, accidents, and debilitating mental health challenges, paints a stark picture.
When a health crisis strikes, the immediate concern is, rightly, one's wellbeing. But a secondary, equally devastating crisis often follows: a financial one. The inability to work, the sudden loss of income, and the mounting unforeseen costs can shatter the stability of even the most carefully planned life.
This guide is designed to shift the narrative. We will explore how proactive financial protection is not a morbid 'what if' exercise. Instead, it is the ultimate act of empowerment. It's the unseen architecture that supports your ambitions, protects your family, and grants you the peace of mind to truly thrive. From the cornerstone of Income Protection to the strategic foresight of Inheritance Tax planning, we will demystify the tools that form the blueprint for an unshakeable life.
The Modern Paradox: Investing in Everything But Our Foundation
We live in an age of unprecedented access to tools for self-betterment. A new wellness app, a productivity hack, or a superfood smoothie is always just a click away. We invest in our physical health with gym memberships and our mental health with mindfulness retreats. We pour resources into our careers through professional development and networking.
Yet, a curious paradox exists. We plan meticulously for a promotion or a holiday, but we often fail to plan for the possibility of being unable to earn an income for six months, a year, or even longer.
The "it won't happen to me" syndrome is a powerful cognitive bias. We see stories of illness and accident as unfortunate events that happen to other people. This optimism is a wonderful human trait, but it can leave us critically vulnerable.
Consider the state of the nation's financial health. According to the Office for National Statistics (ONS), a significant portion of UK households have minimal savings. Many families have less than £1,500 set aside, an amount that would barely cover one month's essential expenses, let alone a prolonged period without income.
Statutory Sick Pay (SSP) offers a minimal safety net, but at just £116.75 per week (2024/25 rate), it's a fraction of the average UK salary and wholly insufficient to cover mortgages, rent, bills, and food. This gap between our outgoings and the state support available is a financial chasm. When illness strikes, families are often forced to:
- Exhaust their life savings.
- Rely on credit cards or loans, accumulating high-interest debt.
- Sell their home or other assets.
- Depend on the financial support of friends and family, adding emotional strain to an already difficult situation.
Financial resilience is the bedrock upon which all other personal growth is built. You cannot focus on your recovery when you're worried about eviction. You cannot maintain strong, healthy relationships when financial stress is a constant, corrosive presence. Building this foundation isn't pessimistic; it's the most optimistic action you can take. It’s a declaration that you and your family’s future is worth protecting, no matter what.
Decoding the Threats: The Reality of Health and Financial Shocks in the UK
To build an effective shield, we must first understand what we are protecting ourselves from. The risks are not abstract; they are well-documented realities of life in the UK.
The Pervasive Impact of Cancer
The projection that 1 in 2 people in the UK will be diagnosed with cancer at some point in their lives is a sobering headline. The financial consequences are profound and often underestimated. Beyond the loss of income from being unable to work, families face a barrage of new expenses:
- Travel Costs: Frequent trips to hospitals for treatment, consultations, and check-ups.
- Increased Household Bills: Spending more time at home often means higher heating and electricity usage.
- Home Adaptations: Ramps, stairlifts, or accessible bathrooms may become necessary.
- Specialist Equipment & Care: Costs not always covered by the NHS.
- Dietary Changes: Specialised nutritional needs can increase food bills.
A cancer diagnosis is a full-time job, and the financial strain can severely hamper a patient's ability to focus on getting well.
Cardiovascular Events: Sudden and Life-Altering
Heart attacks and strokes remain two of the UK's biggest killers and leading causes of disability. The British Heart Foundation reports there are more than 100,000 hospital admissions each year due to heart attacks. A stroke can happen in an instant, fundamentally altering a person's ability to speak, move, and work. The road to recovery is often long and requires significant rehabilitation, placing immense pressure on family finances.
The Unseen Epidemic: Musculoskeletal and Mental Health Conditions
While critical illnesses grab the headlines, the most common reasons for long-term sickness absence are often less dramatic but equally debilitating.
- Musculoskeletal (MSK) Conditions: According to the Health and Safety Executive (HSE), stress, depression, or anxiety and MSK disorders accounted for the majority of all work-related ill health cases. Back pain, neck and upper limb problems can make it impossible for tradespeople to work on-site or for office workers to sit at a desk.
- Mental Health: The conversation around mental health has opened up, but the impact on our ability to work is still immense. Conditions like depression, anxiety, and burnout are leading causes of long-term absence. Financial worries are a major contributor to poor mental health, creating a vicious cycle that is difficult to break without support.
| The Reality of Risk | Key Statistics for the UK | Primary Financial Impact |
|---|---|---|
| Cancer | 1 in 2 people will be diagnosed in their lifetime. | Loss of income, high ancillary costs. |
| Heart Attack | Over 100,000 hospital admissions annually. | Sudden income stop, long recovery. |
| Stroke | Over 100,000 strokes occur each year. | Long-term disability, loss of earning potential. |
| MSK Conditions | A leading cause of long-term work absence. | Inability to perform job duties. |
| Mental Ill Health | A primary driver of sickness absence days. | Difficulty working, prolonged time off. |
Sources: Cancer Research UK, British Heart Foundation, Stroke Association, Health and Safety Executive.
These are not scare stories; they are the lived experiences of millions. The question is not if a financial shock will happen, but how prepared we will be when it does.
Your Shield: A Comprehensive Guide to Personal Protection Insurance
Understanding the risks is the first step. The second is building your shield. Personal protection insurance is a suite of products designed to provide a financial safety net at the precise moment you need it most. Let's break down the core components.
1. Income Protection (IP): The Cornerstone of Your Plan
If you could only choose one policy, this would arguably be it.
- What it is: Income Protection provides you with a regular, replacement income if you are unable to work due to any illness or injury. It pays out after a pre-agreed waiting period (known as the 'deferment period') and continues to pay until you can return to work, the policy term ends, or you retire, whichever comes first.
- Who needs it: Almost every working adult who relies on their income. It is especially vital for the self-employed, freelancers, and contractors who have no access to employer sick pay.
- Key Features Explained:
- Level of Cover: You can typically protect 50-70% of your gross annual income. This is to incentivise a return to work and accounts for the fact the payout is usually tax-free.
- Deferment Period: This is the time between when you stop working and when the policy starts paying out. It can range from 1 day to 12 months. The longer the deferment period you choose, the lower your premium. You should align it with any sick pay you receive from your employer or your accessible savings.
- Definition of Incapacity: This is crucial. The best policies offer an 'Own Occupation' definition. This means the policy will pay out if you are unable to do your specific job. Less comprehensive definitions like 'Suited Occupation' or 'Any Occupation' make it much harder to claim.
Real-Life Example: Meet Sarah, a 35-year-old freelance graphic designer earning £50,000 a year. She develops severe repetitive strain injury (RSI) in her hands and is unable to use her computer. Her Income Protection policy, with a 4-week deferment period, starts paying her £2,500 a month. This covers her mortgage, bills, and living costs, allowing her to focus on physiotherapy and recovery without the terror of losing her home.
2. Critical Illness Cover (CIC): The Lump Sum Lifeline
- What it is: Critical Illness Cover pays out a one-off, tax-free lump sum if you are diagnosed with one of a list of specified serious illnesses defined in the policy.
- How it helps: This lump sum provides ultimate flexibility. You could use it to:
- Pay off your mortgage or other debts, drastically reducing your monthly outgoings.
- Pay for private medical treatment or specialist therapies not available on the NHS.
- Adapt your home to your new needs.
- Replace lost income for a partner who has to take time off work to care for you.
- Simply provide a financial cushion to remove money worries during a stressful time.
- Key Conditions: All policies cover the "big three" – specific types of cancer, heart attack, and stroke. Comprehensive policies cover 50+ conditions, including multiple sclerosis, kidney failure, major organ transplant, and Parkinson's disease.
| Feature | Income Protection (IP) | Critical Illness Cover (CIC) |
|---|---|---|
| Payout | Regular monthly income | One-off tax-free lump sum |
| Trigger | Inability to work due to ANY illness or injury | Diagnosis of a SPECIFIED serious illness |
| Purpose | Replaces lost salary for day-to-day living | Provides capital for major life changes/debts |
| Best For | Covering ongoing bills and lifestyle | Clearing a mortgage, funding care |
Often, a combination of both IP and CIC provides the most robust protection, creating both a monthly income stream and a capital sum for major expenses.
3. Life Assurance (Life Insurance): Protecting Your Legacy
- What it is: The most straightforward form of protection. It pays out a lump sum to your nominated beneficiaries if you die during the policy term.
- Who needs it: Anyone whose death would cause financial hardship for others. This includes people with:
- A mortgage
- Dependent children
- A partner who relies on their income
- Main Types:
- Level Term Assurance: The payout amount remains the same throughout the policy term. Ideal for covering an interest-only mortgage or providing a lump sum for your family's future.
- Decreasing Term Assurance: The payout amount reduces over time, broadly in line with a repayment mortgage. This makes it a cost-effective way to ensure your mortgage is paid off if you die.
- Whole of Life Assurance: This policy guarantees a payout whenever you die, as long as you keep paying the premiums. It's often used for Inheritance Tax planning or to cover funeral costs.
4. Family Income Benefit (FIB): A Different Kind of Life Cover
- What it is: A clever variation of life insurance. Instead of paying a single lump sum on death, it pays out a regular, tax-free income to your family. This income is paid from the time of the claim until the end of the policy term.
- Why choose it: It can be much easier for a bereaved family to manage a regular income than a large, intimidating lump sum. It directly replaces the deceased's lost monthly salary, making budgeting for ongoing expenses like bills, childcare, and school fees much simpler.
- Ideal for: Young families who need to ensure their day-to-day lifestyle can be maintained if a parent dies. For example, a policy could be set up to pay £2,000 a month until the youngest child turns 21.
Specialised Protection for the UK's Workforce
While the core principles of protection apply to everyone, some professions and roles have unique needs that require tailored solutions.
For Tradespeople, Nurses, and Electricians: The Personal Sick Pay Imperative
For the backbone of our economy – the electricians, plumbers, nurses, and construction workers – a day off work is a day without pay. The physical nature of these jobs carries a higher risk of injury, and the inadequacy of Statutory Sick Pay is felt most acutely.
Personal Sick Pay (often a brand name for short-term income protection) is designed specifically for this reality. These policies typically feature:
- Shorter Deferment Periods: Options for "Day 1" or "Week 1" cover are common, recognising that cash flow is an immediate issue.
- Shorter Claim Periods: Unlike traditional IP that can pay out until retirement, these policies might pay out for a maximum of 1, 2, or 5 years per claim. This makes them more affordable while still covering the majority of shorter-term illnesses and injuries.
Real-Life Example: Consider Mark, a 42-year-old self-employed electrician. He falls from a ladder and breaks his leg, leaving him unable to work for three months. His Personal Sick Pay policy, with a 1-week deferment, kicks in and pays him £500 a week. This allows him to pay his bills and hire a temporary labourer to keep his business ticking over, preventing him from losing valuable contracts.
For Business Owners & Company Directors: Fortifying Your Enterprise
For those running a business, personal and professional finances are often intertwined. Specialist business protection products are essential to protect not just the individual, but the enterprise they have built.
- Key Person Insurance: Imagine your business's most valuable asset is not a machine, but your top salesperson, a genius software developer, or your co-director. What happens if they die or suffer a critical illness? Key Person Insurance is a policy taken out and paid for by the business. It pays a lump sum to the business to cover the costs of lost profits, recruitment, and training a replacement, ensuring the company can survive the blow.
- Executive Income Protection: This is a highly tax-efficient way for a limited company to provide income protection for its directors and employees. The company pays the premiums, which are typically an allowable business expense. The policy pays out to the company, which then pays the employee's salary via PAYE. It’s a valuable employee benefit that attracts and retains top talent.
- Relevant Life Cover: A death-in-service benefit for small businesses that don't have enough employees for a traditional group scheme. The company pays the premiums (again, usually a tax-deductible expense), and if the employee dies, the lump sum is paid tax-free to their family via a trust. It's a way to provide life cover without it being treated as a P11D benefit-in-kind for the employee.
Strategic Planning: The Role of Gift Inter Vivos and Inheritance Tax
As we accumulate wealth, another consideration emerges: passing it on efficiently. Inheritance Tax (IHT) can significantly reduce the legacy you leave to your loved ones.
In the UK, you can give away assets or cash during your lifetime. This is known as a Potentially Exempt Transfer (PET). If you live for 7 years after making the gift, it falls outside of your estate for IHT purposes and is tax-free.
However, if you die within those 7 years, the gift becomes a Chargeable Transfer, and IHT may be due. The amount of tax depends on how long you survived after making the gift, thanks to a system called 'taper relief'.
This is where Gift Inter Vivos insurance comes in. It's a specialised type of life insurance policy designed to cover the potential IHT liability on a gift.
- How it works: You make a large gift (e.g., £100,000 to a child for a house deposit). You then take out a Gift Inter Vivos policy with a sum assured equal to the potential IHT bill. The policy term is typically 7 years. If you die within that period, the policy pays out to cover the tax, ensuring your beneficiary receives the full value of your gift. The cost of the policy decreases each year, mirroring the reducing tax liability from taper relief.
- Who needs it: Anyone with an estate likely to exceed the IHT threshold who is making large lifetime gifts. It provides certainty and peace of mind for both the giver and the receiver.
The Synergy of Protection and Private Health Insurance (PMI)
While building your financial shield, it's vital to understand the complementary role of Private Medical Insurance (PMI). They are two sides of the same coin, working in tandem to protect your health and your wealth.
- Protection Insurance (IP, CIC) gives you MONEY to manage the financial consequences of illness.
- Private Medical Insurance (PMI) gives you ACCESS to faster healthcare.
With NHS waiting lists remaining a significant concern, the value of PMI has never been clearer. It provides prompt access to specialists, diagnostic scans (like MRI and CT), and private treatment in comfortable facilities.
This synergy is powerful:
- Your PMI gets you a quick diagnosis and treatment, potentially reducing the time you need to be off work.
- Your Income Protection pays your bills and replaces your salary while you are being treated and recovering.
- If your diagnosis is a specified critical illness, your Critical Illness Cover provides a lump sum to eliminate major financial worries like the mortgage, allowing you to fully focus on the treatment your PMI provides.
At WeCovr, we believe in a holistic approach. We help clients not only build their financial protection plan but also explore how a tailored PMI policy can complete their shield, ensuring they are covered from every angle.
Beyond Insurance: Cultivating Holistic Resilience
True resilience is about more than just having the right policies in place. It’s about integrating healthy habits into your life that can reduce your risk of ever needing to claim in the first place. The journey to a thriving life is holistic.
- Diet & Nutrition: A balanced diet rich in fruits, vegetables, and whole grains is scientifically proven to reduce the risk of many conditions, including heart disease, type 2 diabetes, and certain cancers.
- Sleep & Mental Wellbeing: Prioritising 7-9 hours of quality sleep per night is fundamental for cognitive function, emotional regulation, and physical repair. It's one of the most powerful tools for managing stress and bolstering mental resilience.
- Activity & Movement: The NHS recommends at least 150 minutes of moderate-intensity activity a week. Regular exercise strengthens your heart, manages your weight, and releases endorphins that boost your mood.
We believe so strongly in this proactive approach to health that at WeCovr, we provide our clients with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It's a small way we can support our clients' wellbeing journeys, going beyond the policy to help them build a healthier, more resilient future.
How WeCovr Can Help You Build Your Blueprint
Navigating the world of protection insurance can feel complex. With dozens of providers, hundreds of policy variations, and confusing jargon, it’s easy to feel overwhelmed. This is where expert, independent advice is invaluable.
Going direct to a single insurer means you only see their products, which may not be the best fit or the best value for your unique circumstances. As an expert insurance broker, WeCovr works for you, not the insurance company.
Our process is simple and client-focused:
- We Listen: We take the time to understand you, your family, your finances, and your goals. What do you need to protect? What is your budget?
- We Research: We use our expertise and technology to search the whole market, comparing policies from all the UK's leading insurers.
- We Advise: We explain your options in plain English, cutting through the jargon to show you the pros and cons of each policy. We'll highlight crucial differences, like the definition of incapacity on an income protection policy.
- We Support: We help you with the application process, making it as smooth and straightforward as possible, and we're here for you at the point of claim, when you need us most.
Our goal is not to sell you the cheapest policy, but to find you the right protection – the cover that provides the most comprehensive security and the greatest peace of mind for you and your family, at the most competitive price possible.
Building your financial foundation is one of the most profound acts of self-care and love for your family you can undertake. It is the unseen pillar that allows you to chase your dreams, build your career, and cherish your relationships, secure in the knowledge that your world won't fall apart if the unexpected happens. It's the blueprint for an unshakeable, thriving life.
Is protection insurance expensive?
Do insurers actually pay out?
I have sick pay from my employer, do I still need income protection?
Can I get cover if I have a pre-existing medical condition?
What's the difference between Life Insurance and Critical Illness Cover?
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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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!