The Unstoppable Life Code
Beyond Wishful Thinking: Discover How Strategic Financial Protection – from Family Income Benefit and Income Protection to Specialized Personal Sick Pay for Riskier Professions – Combined with Proactive Private Health Insurance and Essential Life & Critical Illness Cover, Forms the Unbreakable Foundation for Sustained Personal Growth, Ensuring Your Future Flourishes Even as Latest 2025 Health Statistics Reveal 1 in 2 UK Individuals Will Face a Cancer Diagnosis. This Comprehensive Shield, Including Lump-Sum Legacy Planning via Gift Inter Vivos, Transforms Uncertainty into Your Most Powerful Catalyst for Achieving True Potential and Lifelong Well-being.
In the pursuit of our ambitions—building a career, raising a family, launching a business—we often operate on a fuel of optimism and hard work. We plan for success, not for setbacks. Yet, the stark reality is that life is unpredictable. While wishful thinking might feel comforting, it provides no defence when a crisis hits. The latest sobering statistics from Cancer Research UK project that an astonishing 1 in 2 people in the UK will be diagnosed with cancer in their lifetime. This isn't a distant possibility; it's a statistical probability that touches almost every family.
This is where we must pivot from hope to strategy. True, sustained personal growth isn't built on a foundation of sand; it's built on a bedrock of security. This security is what we call the Unstoppable Life Code: a comprehensive, multi-layered shield of financial and health protection. It's not about dwelling on the negative; it's about neutralising it. By strategically embracing products like Income Protection, Life and Critical Illness Cover, Private Health Insurance, and even specialised plans like Gift Inter Vivos, you transform uncertainty from a source of anxiety into a catalyst for bold action. This guide will show you how to construct this unbreakable foundation, ensuring your future—and your family's—can flourish, no matter what challenges arise.
The New Financial Reality: Why Your Paycheque is More Fragile Than You Think
In today's economic climate, financial resilience is a concept many of us are grappling with. The rising cost of living has stretched household budgets to their limits, and for a significant portion of the population, the safety net is alarmingly thin.
Consider the facts from the Financial Conduct Authority (FCA). Their 2024 Financial Lives survey highlights that millions of UK adults have little to no savings. A sudden loss of income wouldn't just be an inconvenience; it would be a catastrophe, with many unable to cover their essential expenses for even a single month.
Furthermore, data from the Office for National Statistics (ONS) reveals a concerning trend: long-term sickness is a primary reason for economic inactivity, with record numbers of people out of the workforce due to health issues. An illness or injury lasting six months or more can derail not just your immediate finances but your entire life plan, from mortgage payments to pension contributions.
This is the modern-day reality. Your ability to earn an income is your most valuable asset, yet it is also one of the most vulnerable. Relying solely on statutory sick pay—currently just £116.75 per week—is simply not a viable strategy for anyone with rent, a mortgage, or a family to support. This is why a proactive approach to financial protection is no longer a 'nice-to-have'. It is the essential first step in building a truly secure and unstoppable life.
Your Income's Guardian Angel: Decoding Income Protection
Imagine your income suddenly stopped. How long could you maintain your current lifestyle? For most, the answer is "not long at all." This is where Income Protection (IP) steps in, acting as your personal financial safety net.
What is Income Protection? Income Protection is an insurance policy designed to replace a significant portion of your monthly income if you are unable to work due to any illness or injury. Unlike Critical Illness Cover, which pays a one-off lump sum for specific conditions, IP provides a regular, tax-free monthly benefit until you can return to work, retire, or the policy term ends.
It is arguably the cornerstone of any financial protection plan because it covers the widest range of scenarios, from a bad back preventing a builder from working to stress and burnout forcing an office worker to take extended leave.
Key Features of Income Protection to Understand:
- Benefit Amount: You can typically cover 50-70% of your gross monthly income. This is designed to replace your take-home pay without disincentivising a return to work.
- Deferment Period: This is the waiting period between when you stop working and when the policy starts paying out. It can range from one day to 12 months. The longer the deferment period you choose (e.g., to align with your employer's sick pay scheme), the lower your monthly premiums will be.
- Payment Period: This dictates how long the policy will pay out for. Long-term policies, which are the most comprehensive, will pay out until you reach retirement age if you can never work again. Short-term policies might pay out for a limited period, such as 1, 2, or 5 years per claim.
| Feature | Short-Term IP | Long-Term IP |
|---|---|---|
| Payment Period | Fixed (e.g., 1, 2, 5 years) | Until retirement age |
| Cost | Generally more affordable | More expensive |
| Best For | Budget-conscious, covering shorter-term issues | Comprehensive, 'catastrophic' cover |
| Typical User | Someone with a basic employer sick pay scheme | Main breadwinners, self-employed |
Specialised Cover: Personal Sick Pay for Hands-On Professions
For those in physically demanding or higher-risk jobs—electricians, plumbers, mechanics, nurses, and construction workers—a standard Income Protection policy might come with higher premiums or specific exclusions. This is where a tailored solution like Personal Sick Pay comes into its own.
Personal Sick Pay policies are often designed with the realities of manual work in mind. They can offer:
- Day-One Cover: Unlike the long deferment periods of some IP plans, these can start paying out from the very first day you're signed off.
- Guaranteed Premiums: The cost won't increase, even if you make a claim.
- Focus on 'Own Occupation': The policy will pay out if you're unable to do your specific job, which is a crucial definition for skilled tradespeople.
It provides a vital, accessible safety net for the self-employed and contractors who have no other form of sick pay to fall back on.
For the Business Leaders: The Tax-Efficient Shield of Executive Income Protection
If you're a company director, your value to the business is immense. Your prolonged absence could be devastating. Executive Income Protection is a specialist policy designed for this scenario.
The key difference is that the company owns and pays for the policy. This means:
- It's a Business Expense: The premiums are typically an allowable business expense, making it highly tax-efficient.
- The Benefit is Paid to the Business: If the director is unable to work, the insurer pays the monthly benefit to the company.
- Continuity of Income: The company can then continue to pay the director a salary through its normal PAYE system, maintaining their income and National Insurance contributions.
This protects not only the director's personal financial situation but also the stability and cash flow of the business itself.
Fortifying Your Family's Future: Life & Critical Illness Cover
While Income Protection secures your monthly earnings, Life and Critical Illness Cover are designed to tackle life's biggest financial shocks with a powerful lump sum, providing security when it's needed most.
Life Insurance: The Ultimate Act of Care
Life insurance pays out a cash sum upon your death, providing your loved ones with the financial resources to carry on without you. The proceeds can be used for anything, but common uses include:
- Paying off the mortgage and other debts.
- Covering funeral expenses.
- Providing an inheritance for children.
- Replacing your lost income to cover day-to-day living costs.
There are two primary types of cover to consider:
| Type of Life Insurance | How it Works | Best For |
|---|---|---|
| Level Term | The payout amount remains the same throughout the policy term. | Covering an interest-only mortgage or providing a set lump sum for family living costs. |
| Decreasing Term | The payout amount reduces over time, typically in line with a repayment mortgage. | The most affordable way to ensure your mortgage is cleared if you pass away. |
| Whole of Life | The policy is guaranteed to pay out whenever you die, as long as you keep paying the premiums. | Leaving a guaranteed inheritance or covering a future Inheritance Tax bill. |
Critical Illness Cover: The Financial First Aid Kit for a Health Crisis
Let's return to that stark statistic: 1 in 2 people in the UK will get cancer. A serious illness diagnosis is emotionally devastating, but the financial fallout can be just as crippling. This is where Critical Illness Cover (CIC) provides a crucial lifeline.
CIC pays out a tax-free lump sum if you are diagnosed with one of a specific list of serious conditions defined in the policy. The "big three" covered by almost all policies are cancer, heart attack, and stroke, but modern policies can cover over 100 different conditions, including multiple sclerosis, major organ transplant, and Parkinson's disease.
This money gives you choices and breathing space. You could use it to:
- Clear your mortgage, removing your biggest monthly outgoing.
- Replace lost income for you or a partner who takes time off to care for you.
- Pay for private medical treatment or specialist therapies.
- Make disability-friendly adaptations to your home.
When considering CIC, it's vital to look beyond the price and check the policy details. At WeCovr, we help clients compare not just the cost but the quality of cover, examining the number of conditions covered and the precise definitions used by each insurer to ensure you have the most robust protection.
The Smart Alternative for Young Families: Family Income Benefit
Managing a large lump sum payout after a bereavement can be overwhelming. Family Income Benefit (FIB) offers a more manageable and often more affordable solution.
Instead of a single lump sum, FIB pays out a regular, tax-free monthly or annual income to your family. This income is paid from the time of your death until the end of the policy term. For example, if you took out a 25-year policy and passed away in year 5, your family would receive an income for the remaining 20 years.
This is perfect for families with young children, as it directly replaces the lost monthly salary and makes budgeting for school fees, bills, and everyday costs far simpler.
The Proactive Shield: Gaining Control with Private Health Insurance
In an ideal world, we would all receive the medical care we need, exactly when we need it. However, with NHS waiting lists in England reaching record highs—affecting millions of people waiting for consultations and routine treatments—taking a more proactive approach to your health has never been more important.
Private Medical Insurance (PMI) is not a replacement for the NHS, which remains world-class in emergency care. Instead, it is a powerful partner, giving you more control, choice, and speed when dealing with non-emergency health issues.
The Core Benefits of PMI:
- Speed of Access: Bypass long waiting lists for diagnostic tests (like MRI and CT scans) and specialist consultations.
- Choice and Control: Choose the consultant who treats you and the hospital where you receive your care.
- Comfort and Privacy: Benefit from a private room during any in-patient stays.
- Access to Advanced Treatments: Some policies provide access to new drugs or therapies that may not yet be available on the NHS due to cost or licensing.
| PMI Coverage Level | What it Typically Includes | Who It's For |
|---|---|---|
| Basic / In-patient | Covers the costs of treatment and accommodation when you are admitted to hospital. | Those wanting a safety net for major procedures. |
| Comprehensive | Includes in-patient cover plus out-patient consultations, diagnostic scans, and tests. | Individuals wanting a complete pathway from diagnosis to treatment. |
| With Therapies | Adds cover for physiotherapy, osteopathy, and other therapeutic treatments. | Active individuals and those in manual jobs who want to recover quickly. |
By getting a diagnosis and treatment faster, PMI helps you get back to health, back to work, and back to your life sooner. It’s a key component of the Unstoppable Life Code, minimising the disruption a health scare can cause.
The Entrepreneur's Armoury: Protection for Business Owners and Freelancers
When you run your own business or work for yourself, the lines between personal and professional well-being are blurred. A threat to one is a threat to the other. Specialised insurance is essential to protect both your livelihood and your enterprise.
Key Person Insurance: Insuring Your Most Irreplaceable Asset
In many businesses, success hinges on one or two key individuals—the founder with the vision, the technical genius, or the salesperson with the golden contacts. What would happen to the business if that person were to die or suffer a critical illness?
Key Person Insurance is designed to mitigate this exact risk. The business takes out and pays for a life and/or critical illness policy on its key employee. If the worst happens, the policy pays a lump sum directly to the business. This money can be used to:
- Cover the costs of recruiting and training a replacement.
- Clear business loans or reassure lenders and investors.
- Replace the loss of profits during the period of disruption.
- Fund a managed wind-down of the business if necessary.
It is a vital tool for ensuring business continuity and protecting the value you have worked so hard to build.
The Freelancer's Financial Fortress
For the UK's millions of freelancers, contractors, and self-employed professionals, there is no safety net. No employer sick pay, no death-in-service benefit. You are your own CEO, HR department, and entire workforce. This makes personal financial protection non-negotiable.
Your essential toolkit should include:
- Long-Term Income Protection: This is your primary defence, replacing your income if any illness or injury stops you from working. Look for policies that are flexible and can adapt to a fluctuating income.
- Critical Illness Cover: A lump-sum payout could be the difference between your business surviving a serious health diagnosis or folding. It gives you the capital to keep things afloat while you recover.
- Personal Pension: While not insurance, robust pension planning is crucial for a secure future, as there is no employer to contribute on your behalf.
Building this fortress allows you to take the creative and commercial risks necessary to thrive as a freelancer, knowing your personal financial world won't collapse if you have to take time off.
Legacy and Lifestyle: Designing Your Complete Well-being
True security extends beyond immediate crises. It involves planning for the long-term well-being of your family and proactively managing your own health.
Leaving a Tax-Efficient Legacy with Gift Inter Vivos Insurance
Generosity can sometimes come with a sting in the tail: Inheritance Tax (IHT). In the UK, if you give away a large sum of money or an asset (a "gift") and die within seven years, that gift may still be considered part of your estate and could be liable for IHT (currently at 40%).
This is a common concern for parents helping their children with a house deposit. Gift Inter Vivos (GIV) insurance is a clever solution. It's a specialised life insurance policy taken out for a seven-year term.
- How it works: You make a large gift (e.g., £100,000). You take out a GIV policy with a sum assured that will cover the potential IHT liability on that gift. The sum assured decreases over the seven years, in line with the "taper relief" rules for IHT on gifts.
- The result: If you pass away within the seven years, the policy pays out to cover the tax bill, ensuring your loved ones receive the full value of your gift. It’s a simple, cost-effective way to ensure your generosity has the full intended effect.
The 'Unstoppable' Mindset: Proactively Investing in Your Health
Insurance is your financial shield, but your first line of defence is always your own health. The same discipline you apply to your finances can be applied to your well-being, significantly reducing your risk of developing the very conditions you're insuring against.
- Nourish Your Body: A balanced diet rich in whole foods, fruits, and vegetables is proven to lower the risk of heart disease, type 2 diabetes, and certain cancers. Simple swaps, like replacing processed snacks with healthier alternatives, can have a huge impact.
- 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, swimming, or even vigorous gardening all count. Regular activity boosts your immune system, strengthens your heart, and is a powerful tool for mental clarity.
- Prioritise Sleep: Sleep is not a luxury; it's a vital biological function. Aim for 7-9 hours of quality sleep per night. It's when your body repairs itself, consolidates memories, and regulates hormones. Poor sleep is linked to a host of health problems.
- Manage Stress: Chronic stress can wreak havoc on your physical and mental health. Incorporate stress-management techniques into your daily routine, such as mindfulness, deep breathing exercises, or simply spending time in nature.
At WeCovr, we believe in supporting our clients' holistic well-being. That's why, in addition to finding you the right insurance, we also provide our customers with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It's a simple, effective tool to help you make conscious, healthy choices every day, empowering you to take proactive control of your health journey.
Bringing It All Together: Your Bespoke Protection Plan
There is no one-size-fits-all solution. The Unstoppable Life Code is about layering different types of protection to create a fortress that is unique to your life, your family, and your goals.
Let's look at how this works in practice:
Case Study 1: The Young Family (Ages 32 & 34, two young children)
- Challenge: A large mortgage and the high costs of raising children. Their main concern is what would happen if one of them could no longer work or passed away.
- Their Bespoke Plan:
- Decreasing Term Life Insurance: A joint policy to clear the mortgage if either of them dies.
- Family Income Benefit: Two separate policies to provide a monthly income to cover living costs and childcare until the youngest child is 21.
- Income Protection: For the main breadwinner, with a deferment period matched to their employer's six-month sick pay scheme.
Case Study 2: The Freelance Web Developer (Age 45, single)
- Challenge: Fluctuating income and no employee benefits. A serious illness would mean zero income and could jeopardise her business.
- Her Bespoke Plan:
- Long-Term Income Protection: Covering 60% of her average annual earnings, with a 3-month deferment period.
- Critical Illness Cover: A £100,000 lump sum policy to provide a buffer to keep her business running and cover personal costs if she were diagnosed with a serious condition.
- Private Health Insurance: To ensure she can get quick access to diagnostics and treatment to minimise any time off work.
Case Study 3: The Company Director (Age 55, business owner)
- Challenge: Protecting his business, his personal income, and planning his estate.
- His Bespoke Plan:
- Executive Income Protection: Paid for by the business to secure his salary in a tax-efficient way.
- Key Person Insurance: A £500,000 policy taken out by the business on his life to ensure business continuity.
- Whole of Life Insurance: A personal policy written into trust to help his children cover the eventual Inheritance Tax bill on his estate.
Navigating these options and finding the right combination can seem daunting. This is where working with an independent, expert broker is invaluable. At WeCovr, our role is to understand your unique circumstances and search the entire market to find the most suitable and cost-effective policies. We help you build your bespoke plan, layer by layer, ensuring there are no dangerous gaps in your protection.
Your Unstoppable Future Starts Today
Thinking about illness, injury, and death is uncomfortable. But ignoring the possibility is not a strategy; it's a gamble with the highest possible stakes—your family's security and your own future.
The Unstoppable Life Code is a framework for turning this uncertainty into empowerment. It's about taking decisive, strategic action to build a financial and well-being fortress around yourself and your loved ones. This foundation of security doesn't hold you back; it liberates you. It gives you the confidence to pursue your ambitions, take calculated risks, and live your life to the fullest, knowing you are prepared for whatever comes your way.
Don't leave your future to chance. The time to act is now. Review your circumstances, understand your vulnerabilities, and put in place the protection that will allow you to be truly unstoppable.
Frequently Asked Questions About Financial Protection
Is financial protection like life insurance or income protection expensive?
Do I need to have a medical exam to get cover?
What if I have a pre-existing medical condition?
How much cover do I actually need?
Should I put my life insurance policy in a Trust?
What's the real difference between Personal Sick Pay and Income Protection?
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!