The Unshakeable You: Building a Future of Growth
In a world where 1 in 2 people will face a cancer diagnosis (Cancer Research UK projection) and unexpected life events threaten progress, discover how strategic protection – from Family Income Benefit, Income Protection, and Personal Sick Pay for hardworking individuals to comprehensive private health insurance and Life & Critical Illness Cover – isn't just about security, but the essential, often overlooked bedrock for sustained personal development, career advancement, and truly thriving.
We all have aspirations. Whether it’s climbing the career ladder, launching a passion project into a business, expanding our family, or simply achieving a state of profound well-being, growth is a fundamental human drive. We create five-year plans, set new year's resolutions, and invest in our skills. Yet, we often overlook the very foundation upon which all this ambition is built: our health and our ability to earn an income.
The modern world is a paradox of opportunity and precarity. While the paths to success are more varied than ever, the safety nets feel increasingly frayed. The stark reality, highlighted by leading organisations like Cancer Research UK, is that half of us will face a cancer diagnosis in our lifetime. This isn't a scare tactic; it's a profound call to re-evaluate our definition of 'preparedness'.
True preparedness isn't about dwelling on the worst-case scenario. It’s about intelligently and proactively removing the financial shockwaves that an unexpected illness or injury can cause. It’s about creating a personal and financial fortress that allows you not just to survive a crisis, but to continue to build, grow, and thrive despite it.
This guide is your blueprint. It will show you how robust financial protection is not an expense, but an investment in your potential. It is the silent partner in your success, the unseen force that makes you unshakeable, ready to embrace opportunity and build a future defined by growth, not by chance.
The Modern Predicament: Why 'Just Saving' Isn't Enough
For generations, the mantra has been simple: "save for a rainy day." While building a savings pot is a cornerstone of good financial health, relying on it alone to weather a serious life storm is like taking a bucket to a tsunami. The scale of the financial impact from a significant health event can overwhelm even the most diligent saver.
Consider the facts. The Money and Pensions Service revealed in 2023 that around 11.5 million UK adults have less than £100 in savings. Even for those with more substantial nest eggs, a sudden halt in income combined with new, unforeseen costs can deplete reserves with alarming speed.
The Financial Double-Hit of Illness
When a serious illness or injury strikes, you're not just dealing with the physical and emotional toll. You're hit with a financial double-whammy:
- Income Evaporation: Your salary, the lifeblood of your financial world, can suddenly stop or be significantly reduced. Statutory Sick Pay (SSP) offers a minimal safety net, amounting to just £116.75 per week (2024/25 rate) for up to 28 weeks. For most, this is a fraction of their regular outgoings. For the UK's 4.3 million self-employed individuals, there is no SSP at all.
- Expense Inflation: Life doesn't get cheaper when you're unwell. In fact, the opposite is often true. New costs emerge from every direction: travel to specialist hospitals, home modifications, private consultations or therapies to speed up recovery, and even increased heating bills from spending more time at home.
This chasm between what we need and what we have is known as the Protection Gap. It's the silent vulnerability that millions of households carry. A 2024 report highlighted that only 8% of UK adults have income protection, leaving the vast majority exposed to the financial consequences of being unable to work long-term.
Imagine Sarah, a 35-year-old marketing manager and mother of two. She's a high earner and a diligent saver, with £15,000 set aside. Following a sudden diagnosis of multiple sclerosis, she's forced to stop working. Her SSP barely covers the council tax. The family's savings are gone in six months, used to cover the mortgage and everyday bills. The dream of extending their home is replaced by the fear of losing it. This isn't a dramatic fiction; it's a plausible reality for millions.
Relying solely on savings forces you to sacrifice your future to pay for your present. The funds you earmarked for a house deposit, your children's education, or a comfortable retirement are raided just to keep the lights on. This is where strategic protection fundamentally changes the equation.
The Bedrock of Personal Growth: How Protection Fuels Ambition
Think of the world's most impressive skyscrapers. Their breathtaking height is only possible because of the deep, invisible foundations anchoring them to the ground. Financial protection is the foundation for your life's ambitions.
Psychologist Abraham Maslow's 'Hierarchy of Needs' provides a powerful framework for this. He theorised that we must satisfy our fundamental needs – like physiological well-being and safety – before we can pursue higher-level goals like esteem and 'self-actualisation' (realising our full potential).
An unexpected illness shatters that base layer of safety. The stress of worrying about your mortgage, your bills, and your family's future consumes all your mental and emotional bandwidth. It's impossible to think about career progression, learning a new skill, or launching a business when your core security is under threat.
Now, picture a different scenario. You have a robust protection plan in place.
- Income Protection provides a replacement salary each month.
- Critical Illness Cover pays out a tax-free lump sum on diagnosis of a specified condition.
- Private Medical Insurance gives you fast access to the best possible care.
With this foundation, the narrative changes entirely. The diagnosis is still a profound challenge, but the financial panic is removed.
How a Safety Net Unleashes Potential:
- It Empowers Calculated Risks: Want to leave a stable job to start your own consultancy? Knowing your family's finances are secure if you get ill makes that leap of faith feel less like a jump into an abyss.
- It Boosts Professional Confidence: You can negotiate for a more demanding role or take on a high-stakes project with greater focus, knowing that a health setback won't derail your entire life.
- It Protects Your Mental Capital: Financial stress is a known contributor to anxiety and depression. By removing it, you free up your mental energy to focus on what truly matters: your recovery, your family, and your future goals.
- It Preserves Your Assets: Your home, your savings, and your investments – the assets you've worked so hard to build – remain intact, ready to fund your future ambitions, not just plug a hole in your finances.
Being 'unshakeable' doesn't mean being immune to life's challenges. It means having the resilience and resources to face them head-on without being broken by them. It's the quiet confidence that allows you to aim higher, knowing your foundations are solid.
Decoding Your Protection Toolkit: A Guide to Key Policies
The world of insurance can seem complex, filled with jargon and an overwhelming array of options. But at its core, each policy is a specialised tool designed to solve a specific problem. Here, we'll demystify the key components of a robust protection portfolio.
As expert brokers, our team at WeCovr helps people navigate these options every day, comparing policies from all the UK's leading insurers to find the perfect fit for your unique circumstances.
Protecting Your Income: The Engine of Your Finances
For most of us, our ability to earn is our single greatest asset. Protecting it is paramount.
- Income Protection (IP): Often called the bedrock of any financial plan, IP is designed to replace a significant portion of your monthly income (typically 50-70%) if you're unable to work due to any illness or injury. It pays out after a pre-agreed waiting period (the 'deferment period') and can continue to pay until you recover, retire, or the policy term ends. It's your personal salary, paid for by the insurer.
- Personal Sick Pay: This is a form of shorter-term income protection, often suited to those in riskier manual trades (electricians, plumbers, builders) or freelancers who need cover that pays out quickly for shorter-term incapacities. The benefit period is typically limited to 1, 2, or 5 years per claim, making it a more affordable but less comprehensive alternative to full IP.
| Feature | Income Protection (Long-Term) | Personal Sick Pay (Short-Term) |
|---|---|---|
| Purpose | Replaces income for long-term illness/injury | Replaces income for short to medium-term illness/injury |
| Typical Benefit Period | Until retirement age (e.g., 68) | 1, 2, or 5 years per claim |
| Best For | All working adults, especially professionals | Self-employed, tradespeople, those on a budget |
| Key Consideration | 'Own occupation' definition is crucial | Faster payout, simpler underwriting |
Protecting Your Health: Getting You Back on Your Feet
While the NHS provides exceptional care, a serious diagnosis can involve waiting lists for consultations, scans, and treatments. This is where private healthcare can be a game-changer.
- Private Medical Insurance (PMI): PMI is designed to work alongside the NHS. Its primary benefit is providing you with speed of access and greater choice. This means getting a prompt diagnosis, seeing a specialist quickly, and receiving treatment in a private hospital at a time that suits you. For career-focused individuals and business owners, the ability to shorten recovery time and get back to work faster is invaluable. It's a direct investment in your continuity and progress.
Protecting Your Family and Assets: The Lump Sum Lifelines
These policies provide a tax-free cash injection at a time of immense emotional and financial distress.
- Life Insurance: This is the most well-known form of protection. It pays out a lump sum if you pass away during the policy term.
- Level Term: The payout amount remains the same throughout the term. Ideal for providing a general family safety net or covering an interest-only mortgage.
- Decreasing Term: The payout amount reduces over time, typically in line with a repayment mortgage. It's a cost-effective way to ensure your biggest debt is cleared.
- Family Income Benefit (FIB): A clever and often more budget-friendly alternative to a standard lump-sum policy. Instead of one large payout, FIB provides your family with a regular, tax-free monthly or annual income from the point of claim until the policy term ends. This can feel more manageable for a grieving family, replacing the lost salary in a structured way.
| Feature | Level Term Life Insurance | Family Income Benefit (FIB) |
|---|---|---|
| Payout | One large tax-free lump sum | A regular tax-free income stream |
| Purpose | Clear large debts, provide significant inheritance | Replace lost monthly income for daily living costs |
| Psychology | Provides a large capital sum | Replicates a salary for budgeting |
| Cost | Generally more expensive than FIB | Often more affordable for a given level of cover |
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Critical Illness Cover (CIC): This is life insurance for the living. It pays out a tax-free lump sum if you are diagnosed with one of a specific list of serious illnesses, such as most types of cancer, a heart attack, or a stroke. The money is yours to use as you see fit: clear the mortgage, adapt your home, pay for private treatment, or simply replace lost income while you focus 100% on your recovery. The number and quality of conditions covered can vary significantly between insurers, making expert comparison essential.
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Gift Inter Vivos Insurance: A specialist policy designed to tackle Inheritance Tax (IHT). If you gift a large sum of money or an asset (like a property) to someone, it may still be considered part of your estate for IHT purposes if you pass away within seven years. This policy pays out a lump sum to cover the potential IHT bill, ensuring your loved ones receive the full value of your gift.
The Entrepreneur's Shield: Protection for the Self-Employed and Business Owners
If you're a freelancer, contractor, or company director, you are your business's most valuable asset. The standard safety nets of employment – sick pay, death in service benefits – simply don't exist. This makes a personal and business protection strategy not just advisable, but absolutely critical for survival and growth.
For the Self-Employed and Freelancers
Your ability to work directly generates your income. If you can't work, the money stops.
- Income Protection is non-negotiable. It is your sick pay, your financial lifeline, and the policy that will keep your personal finances afloat while you recover. Securing a policy with an 'own occupation' definition is vital, ensuring it pays out if you're unable to do your specific job.
- Private Medical Insurance allows you to bypass potential NHS waiting lists for diagnosis and treatment of conditions that could stop you from working, like musculoskeletal issues (bad backs, joint problems) or the need for hernia surgery. It's about minimising downtime and maximising earning time.
- Critical Illness Cover provides a capital injection that can give you the breathing room to recover without the pressure of having to return to work immediately, or to wind down your business in an orderly fashion if necessary.
For Company Directors
As a director, you have a dual responsibility: to your family and to the business you've built. Clever, tax-efficient protection policies can safeguard both.
- Executive Income Protection: This is an Income Protection policy that is owned and paid for by your limited company. The premiums are typically an allowable business expense, making it a highly tax-efficient way to secure your personal income. The business pays the premium, and if you're unable to work, the benefit is paid to the business, which then pays it to you via PAYE.
- Key Person Insurance: What would happen to your business if you, your co-director, or a star employee were to pass away or become critically ill? Could the business survive the loss of their skills, contacts, and expertise? Key Person Insurance provides the business with a cash lump sum to manage this crisis – to recruit a replacement, cover lost profits, or reassure lenders and investors.
- Relevant Life Cover: This is a tax-efficient death-in-service benefit for individual employees or directors, paid for by the company. Unlike a personal policy, the premiums are not treated as a P11D benefit-in-kind, and they are usually an allowable business expense. It's an excellent way to provide valuable life cover for your key people without impacting their personal tax allowance.
| Protection Type | Who is it For? | What Problem Does it Solve? | Tax Treatment |
|---|---|---|---|
| Executive IP | Company Directors | Provides a sick pay scheme for directors. | Premiums are an allowable business expense. |
| Key Person Insurance | Business | Protects against the financial impact of losing a key individual. | Premiums are not usually allowable. |
| Relevant Life Cover | Directors & Employees | Provides a death-in-service benefit tax-efficiently. | Premiums are an allowable business expense. |
Beyond Insurance: Cultivating a Proactive Wellness Mindset
Building an unshakeable future is about more than just having the right insurance policies. It’s a holistic endeavour that combines robust financial planning with a proactive approach to your personal health and well-being. The choices you make every day in diet, sleep, and activity are powerful preventative tools that can enhance your resilience and reduce your risk of many chronic illnesses.
This is a philosophy we deeply believe in at WeCovr. It's why, in addition to our expert insurance advice, we provide our clients with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. We know that empowering our clients with tools to manage their health is a vital part of helping them thrive.
Fuel Your Growth: The Power of Nutrition
What you eat directly impacts your energy levels, cognitive function, and long-term health. You don't need a punishingly restrictive diet; small, consistent changes can yield huge benefits.
- Focus on Whole Foods: Prioritise fruits, vegetables, lean proteins, and whole grains. These provide the essential vitamins, minerals, and fibre your body and brain need to function optimally.
- Hydrate for Clarity: Dehydration can lead to fatigue, headaches, and poor concentration. Aim for 6-8 glasses of water or other low-sugar fluids a day.
- Mindful Eating: Using a tool like CalorieHero can help you become more aware of your eating habits, portion sizes, and macronutrient balance without being obsessive. It's about informed choices, not deprivation.
Recharge Your Ambition: The Necessity of Sleep
In our "always-on" culture, sleep is often the first thing to be sacrificed. Yet, according to the NHS, one in three Britons suffers from poor sleep. Consistent, quality sleep is not a luxury; it is a biological necessity.
- Improve Cognitive Performance: Sleep is crucial for memory consolidation, problem-solving, and creativity.
- Boost Mental Resilience: A well-rested brain is better equipped to handle stress and regulate emotions.
- Strengthen Your Immune System: During sleep, your body produces cytokines, a type of protein that targets infection and inflammation.
Aim for 7-9 hours of quality sleep per night. Establish a relaxing bedtime routine, reduce screen time before bed, and create a dark, quiet, and cool sleeping environment.
Move for Momentum: The Link Between Activity and Success
Regular physical activity is one of the most powerful things you can do for your physical and mental health. The Association of British Insurers (ABI) notes that insurers are increasingly integrating wellness benefits and activity trackers into their products, recognising the clear link between an active lifestyle and better health outcomes.
- Stress Reduction: Exercise is a potent stress reliever, boosting endorphins and improving your mood.
- Increased Energy: While it may seem counterintuitive, regular physical activity fights fatigue and increases your overall energy levels.
- Reduced Health Risks: Being active significantly lowers your risk of developing numerous conditions, including heart disease, type 2 diabetes, and certain types of cancer.
Find an activity you genuinely enjoy, whether it's walking, cycling, swimming, dancing, or team sports. Consistency is more important than intensity.
Navigating the Maze: Why Expert Guidance is Non-Negotiable
You wouldn't attempt to rewire your house without a qualified electrician or diagnose a serious illness without a doctor. The same principle applies to your financial health. The protection market is vast and nuanced. Policies that look similar on the surface can have vastly different definitions and exclusions buried in the small print.
This is where a specialist independent broker becomes your most valuable ally.
The WeCovr Advantage:
- Whole-of-Market Access: We are not tied to any single insurer. We compare policies and prices from all the UK's major and specialist providers to find the most suitable and competitive options for you.
- Decoding the Definitions: The difference between an 'own occupation' and an 'any occupation' income protection policy is enormous. The list of conditions covered by a critical illness policy can vary by dozens. We live and breathe this detail, ensuring you understand exactly what you are covered for.
- Honest Underwriting Support: The application process requires full disclosure of your medical history. We guide you through this process to ensure it's completed accurately, which is vital for preventing issues at the point of a claim.
- Your Advocate at Claim Time: If the worst happens and you need to make a claim, we are in your corner. We can help you navigate the process, ensuring it's as smooth and stress-free as possible during a difficult time.
Trying to go it alone can lead to buying the wrong cover, paying too much, or worse, having a claim declined. Expert advice doesn't just give you peace of mind; it ensures your investment in protection actually delivers when you need it most.
Case Studies: Protection in Action
Theory is helpful, but seeing how protection works in the real world makes it concrete. Here are a few realistic scenarios.
Case Study 1: The Young Family
- The People: Tom (34, self-employed electrician) and Chloe (32, part-time teacher), with two children aged 4 and 6, and a £250,000 repayment mortgage.
- The Problem: They have some savings but would be under immense pressure if one of them couldn't work or passed away. Tom has no sick pay.
- The Solution: After a review, they take out:
- A joint Decreasing Term Life & Critical Illness policy to clear the mortgage.
- An Income Protection policy for Tom, with a 4-week deferment period, to provide a replacement income if he's injured or ill.
- The Outcome: A year later, Tom suffers a serious back injury on a job and needs surgery. He's off work for five months. After four weeks, his IP policy kicks in, paying him £2,500 a month. The family can pay their bills, the mortgage is safe, and Tom can focus on his recovery without financial panic.
Case Study 2: The Ambitious Director
- The Person: Aisha (42), the founder and managing director of a successful graphic design agency with 10 employees. Her creativity and client relationships are the engine of the business.
- The Problem: Aisha's long-term illness would be a double blow – a loss of personal income and a potential catastrophe for the business.
- The Solution: Her limited company takes out:
- A Key Person Insurance policy for £250,000, payable to the business if she suffers a critical illness.
- An Executive Income Protection policy to provide her with a monthly salary.
- The Outcome: Aisha is diagnosed with breast cancer. Her Executive IP provides her with a salary throughout her treatment. The £250,000 Key Person payout allows the business to hire a high-level creative director to manage the team and reassure key clients, ensuring business continuity. The protection plan saved both her personal finances and the company she built.
From Protected to Unshakeable: Your Blueprint for Growth
Your ambitions deserve to be built on solid ground. In a world of inherent uncertainty, creating your own certainty is the ultimate power move.
Financial protection is far more than a defensive measure against misfortune. It is the proactive, intelligent, and empowering strategy that fuels growth. It's the freedom to take the better job, to launch the business, to invest in yourself, and to provide your family with a future that is secure and full of opportunity.
By safeguarding your income, your health, and your assets, you are not planning for failure; you are engineering the conditions for success. You are transforming yourself from someone who is simply prepared into someone who is truly unshakeable.
Take the first step today. Review your foundations. Understand your vulnerabilities. And build a protection portfolio that empowers you to chase your biggest goals with confidence and resilience.
How much cover do I actually need?
I have a pre-existing medical condition. Can I still get cover?
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Why should I use a broker like WeCovr instead of a price comparison website?
Do I really need life insurance if I'm single with no dependants?
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!