Thrive Beyond Risk
The Unshakeable Foundation: How Proactive Protection Strategies Transform Uncertainty into Unstoppable Personal Growth, Resilient Relationships, and a Future Where Your Dreams Thrive – Even as 2025 Health Realities Challenge Us.
Life, in its beautiful complexity, has always been a dance with uncertainty. Yet, as we navigate the unique landscape of 2025, the music has changed. The echoes of a global pandemic, shifting economic sands, and an evolving understanding of health and well-being have created a new rhythm. For many, this rhythm feels less like a dance and more like a tightrope walk without a net.
But what if you could build your own net? Not just a safety net, but an unshakeable foundation. A platform so robust it doesn't just catch you if you fall—it empowers you to leap higher, chase bigger dreams, and build a life of purpose and passion with unwavering confidence.
This isn't about dwelling on fear or risk. It's about acknowledging reality and transforming it. This is the guide to proactive protection: the strategic art of turning "what if" into "what's next." It’s about securing your financial bedrock so you can focus on personal growth, nurture your most important relationships, and ensure the future you're building today is resilient enough to withstand the challenges of tomorrow.
The Shifting Sands of 2025: Understanding the New Health & Financial Landscape
To build a resilient future, we must first understand the ground beneath our feet. The UK in 2025 is a nation grappling with unprecedented health and financial pressures that affect every one of us, from young professionals and growing families to seasoned business owners.
The UK's Health Headwinds
The health of the nation is intrinsically linked to its financial and emotional well-being. Several key trends are shaping our collective reality:
- Record NHS Waiting Lists: The strain on our cherished NHS is undeniable. As of early 2024, NHS England reported a staggering waiting list of around 7.5 million treatments. This means millions of people are waiting longer for procedures that could get them back to work, out of pain, and living their lives to the full. A delay in treatment isn't just a physical issue; it's a financial one, potentially leading to extended time off work.
- The Rise of Long-Term Sickness: The Office for National Statistics (ONS) revealed a concerning trend in early 2024: a record 2.8 million people are out of work due to long-term sickness. This figure has risen significantly in recent years, highlighting a growing vulnerability in the UK workforce. When your ability to earn is your biggest asset, this statistic is a profound call to action.
- The Enduring Mental Health Crisis: The conversation around mental health has opened up, but the challenge remains immense. A 2023 survey by the charity Mind confirmed that approximately 1 in 4 adults experiences a mental health problem each year. Conditions like stress, anxiety, and depression are now leading causes of workplace absence, proving that mental health is as critical to your earning capacity as physical health.
- The Pervasiveness of Critical Conditions: Despite incredible medical advances, the threat of serious illness remains a fact of life. Cancer Research UK's stark statistic that 1 in 2 people in the UK will be diagnosed with cancer in their lifetime underscores the importance of financial preparedness for a life-altering diagnosis.
These aren't just numbers on a page. They represent delayed careers, strained family finances, and postponed dreams. They are the "why" behind proactive protection.
The Economic Squeeze
Compounding these health challenges is a complex financial environment. The rising cost of living continues to stretch household budgets, while evolving work patterns, such as the growth of the gig economy and freelancing, mean fewer people have the safety net of generous employer-provided sick pay or death-in-service benefits. This creates a perfect storm where a health crisis can quickly become a financial catastrophe.
| Financial Pressure Point | Impact on Individuals and Families |
|---|---|
| Rising Cost of Living | Reduced savings, less disposable income to act as a buffer. |
| Gig Economy Growth | Lack of employer sick pay, pension contributions, or death benefits. |
| High Interest Rates | Mortgages and other debts are more expensive, making default more likely if income stops. |
| Stagnant Wages | In many sectors, income has not kept pace with inflation, eroding financial resilience. |
This new reality demands a new mindset. Relying on hope, minimal state support, or dwindling savings is no longer a viable strategy. It's time to build a fortress.
Beyond the Pay Cheque: What Are You Really Protecting?
When we talk about "protection insurance," it's easy to get lost in the jargon of premiums and payouts. But the true value of these policies isn't the money itself—it's what the money enables. It's about safeguarding the very essence of the life you've built and the future you envision.
Think about what's truly at stake:
- Your Home & Family: For most, the mortgage is the largest monthly outgoing. A robust protection plan ensures that your family's home is secure, no matter what. It prevents a health crisis from forcing your loved ones to sell the family home during an already traumatic time.
- Your Dreams & Ambitions: Are you planning to start a business? Fund your children through university? Travel the world in retirement? These dreams are built on a foundation of consistent income and financial stability. An unexpected illness or injury can derail these plans in an instant. Protection insurance acts as the financial scaffolding that keeps your dreams intact.
- Your Relationships: Financial strain is one of the leading causes of stress in relationships. When a family is hit by illness, the last thing they need is the added burden of worrying about bills. A protection payout can remove this pressure, allowing you and your partner to focus on what truly matters: recovery and supporting one another.
- Your Mental Well-being: The psychological impact of a secure financial plan is immense. It's the peace of mind that comes from knowing you've done the responsible thing. It's the freedom from the nagging anxiety of "what if?" This mental clarity is a powerful catalyst for personal growth and happiness.
- Your Business: If you're a company director or freelancer, your personal health is inextricably linked to your business's health. Protection isn't just about your family; it's about ensuring your business can survive, your employees are secure, and your hard-earned legacy is preserved.
Proactive protection is an act of self-care and an investment in your future self. It's a declaration that you value your life, your family, and your dreams enough to shield them from uncertainty.
The Pillars of Protection: A Deep Dive into Your Insurance Toolkit
Understanding your options is the first step towards building your financial fortress. The UK insurance market offers a suite of sophisticated products designed to address specific risks. Let's break down the core pillars of personal and business protection.
1. Income Protection: Your Financial Cornerstone
If you rely on your salary to live, Income Protection (IP) is arguably the most crucial policy you can own. It's not just for illness; it covers you if you're unable to work due to almost any injury or sickness.
- What it does: Provides a regular, tax-free monthly income (typically 50-70% of your gross salary) if you can't work due to illness or injury.
- How it works: You choose a "deferment period"—the time you wait before payments start (e.g., 4, 8, 13, 26, or 52 weeks). The longer the period, the lower the premium. Payments then continue until you can return to work, the policy term ends, or you retire, whichever comes first.
- Key Feature - 'Own Occupation' Cover: This is the gold standard. It means the policy will pay out if you are unable to do your specific job. Cheaper policies might use an 'any occupation' definition, which only pays if you're unable to do any job at all—a much harder threshold to meet.
Statutory Sick Pay (SSP) vs. Income Protection
| Feature | Statutory Sick Pay (SSP) | Income Protection |
|---|---|---|
| Amount | £116.75 per week (as of April 2024) | 50-70% of your gross salary (e.g., £2,000-£3,000+ per month) |
| Duration | Maximum of 28 weeks | Can pay out for years, or even until retirement. |
| Availability | For employees only. Not available to many self-employed people. | Available to both employed and self-employed individuals. |
| Purpose | A minimal, short-term safety net. | A long-term, comprehensive replacement for your income. |
For tradespeople, nurses, electricians, and others in riskier jobs, specialised Personal Sick Pay policies can offer valuable short-term cover, often with shorter deferment periods, bridging the gap until a longer-term Income Protection policy kicks in.
2. Critical Illness Cover: A Lump Sum for Life's Biggest Battles
While Income Protection replaces your monthly salary, Critical Illness Cover (CIC) is designed to provide a large, tax-free lump sum on the diagnosis of a specified serious illness.
- What it does: Pays out a pre-agreed sum of money if you are diagnosed with one of a list of conditions defined in the policy, such as some forms of cancer, heart attack, or stroke.
- How it's used: The money is yours to use as you see fit. It could be used to:
- Clear your mortgage or other debts.
- Pay for private medical treatment or specialist care.
- Adapt your home.
- Fund a period of recovery without financial worry for you and your family.
- Take a career break to focus on your health.
The number and definition of conditions covered can vary significantly between insurers. This is where working with an expert broker like WeCovr becomes invaluable. We help you navigate the small print to find a policy with comprehensive definitions that match your needs.
Common Conditions Covered by Critical Illness Policies
| Condition Group | Examples of Covered Illnesses |
|---|---|
| Cancer | Most invasive cancers, with some policies offering partial payments for less advanced cases. |
| Heart | Heart attack, coronary artery bypass surgery. |
| Neurological | Stroke, Multiple Sclerosis (MS), Parkinson's disease. |
| Organ | Major organ transplant, kidney failure. |
| Other | Traumatic head injury, permanent blindness or deafness. |
3. Life Insurance: The Ultimate Act of Care for Your Loved Ones
Life insurance is the most well-known form of protection, but it comes in several forms, each suited to different needs. The core purpose is simple: to provide a financial payout to your beneficiaries upon your death.
- Term Life Insurance: The most common and affordable type. It covers you for a fixed period (the "term"), such as the length of your mortgage. If you pass away during the term, it pays a lump sum. If you survive the term, the policy ends.
- Family Income Benefit: A thoughtful alternative to a large lump sum. Instead of one large payment, it provides your family with a regular, tax-free monthly or annual income for the remainder of the policy term. This can be easier to manage and replaces the lost monthly salary in a more direct way.
- Gift Inter Vivos Insurance: A specialist plan for Inheritance Tax (IHT) planning. 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 die within seven years. This policy pays out a lump sum designed to cover that potential tax bill, ensuring your gift reaches its recipient in full.
The Entrepreneur's Shield: Tailored Protection for Business Owners, Directors, and the Self-Employed
For those who run their own business or work for themselves, the stakes are even higher. There is no corporate safety net, no employer sick pay, no death-in-service. Your personal and business finances are deeply intertwined. Thankfully, a range of highly tax-efficient and powerful protection solutions exist specifically for you.
For the Self-Employed & Freelancers
Your ability to work is your business. Income Protection is non-negotiable. It's your personal sick pay, your safety net, and the policy that ensures a bad month doesn't turn into a bad year that sinks your business. Partnering this with Critical Illness Cover provides a dual-layer defence against both short-term and long-term health shocks.
For Company Directors
As a director, you can leverage your limited company to fund protection in an extremely tax-efficient way, benefiting both you and the business.
- Executive Income Protection: This is an Income Protection policy owned and paid for by your business. The premiums are typically an allowable business expense, making it more tax-efficient than a personal plan. The benefit is paid to the company, which then pays it to you via PAYE. It protects your income while being kind to your bottom line.
- Relevant Life Cover: This is essentially a "death-in-service" benefit for a single employee (you!). The company pays the premiums, which are usually a tax-deductible expense, and there's no P11D benefit-in-kind implication for you. The payout goes directly to your family, free from Inheritance Tax. It's a hugely valuable perk you can give yourself.
- Key Person Insurance: Who is indispensable to your business? Is it you? A top salesperson? A technical genius? Key Person Insurance protects the business itself. If a key individual dies or is diagnosed with a critical illness, the policy pays a lump sum to the business to cover lost profits, recruit a replacement, or clear debts. It's about business continuity.
- Shareholder Protection: If you have business partners, what happens if one of you dies or becomes critically ill? The deceased's shares would pass to their family, who may have no interest or ability to run the business. This can lead to conflict or paralysis. Shareholder Protection provides the surviving shareholders with the funds to buy the shares from the affected shareholder or their estate, ensuring a smooth transition and protecting the future of the company you've all built.
Personal vs. Business Protection: A Quick Comparison
| Feature | Personal Policy (e.g., Personal Income Protection) | Business Policy (e.g., Executive Income Protection) |
|---|---|---|
| Who Pays? | You, from your post-tax income. | Your limited company. |
| Tax-Efficiency | Premiums are not tax-deductible. | Premiums are typically an allowable business expense. |
| Benefit Paid To | You directly, tax-free. | The company, then distributed to you (subject to tax/NI). |
| Best For | Sole traders, freelancers, and employees. | Directors of limited companies seeking tax efficiency. |
Navigating these options requires specialist advice. At WeCovr, we have deep expertise in crafting bespoke protection strategies for business owners, ensuring you have the right cover in the most efficient structure possible.
More Than Just a Payout: The Hidden Value of Modern Protection Policies
In 2025, buying an insurance policy is about much more than just the financial payout. Insurers are competing to provide holistic support, wrapping their core products in a wealth of "value-added services" that you can use from day one, without even needing to claim.
These services transform a policy from a dormant document into an active tool for managing your health and well-being.
- 24/7 Virtual GP: Skip the NHS waiting times for a routine appointment. Get a video consultation with a UK-based GP, often within hours, from the comfort of your home. Get advice, diagnoses, and private prescriptions.
- Mental Health Support: Many policies now include access to a set number of professional counselling or therapy sessions per year, providing crucial support for stress, anxiety, or depression.
- Second Medical Opinion Services: If you or a family member receives a worrying diagnosis, this service allows you to have your case reviewed by a world-leading expert, giving you peace of mind or alternative treatment options.
- Physiotherapy & Rehabilitation: Get access to physiotherapy sessions to help you recover from an injury faster and get back to work sooner.
- Personalised Fitness & Nutrition Programmes: Insurers are increasingly focused on prevention. Many offer access to apps and programmes to help you stay healthy.
At WeCovr, we believe in this holistic approach. That's why, in addition to finding you the best policy, we provide our clients with complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. We see it as our responsibility to not only protect you when things go wrong but also to empower you to live a healthier, more resilient life every single day.
Building Your Fortress: Practical Steps to Proactive Protection
Feeling empowered? Here’s how you can translate that feeling into concrete action.
Step 1: The 'What If' Financial Audit Grab a pen and paper or open a spreadsheet. Be honest with yourself.
- Income: What is your monthly take-home pay?
- Outgoings: List everything—mortgage/rent, council tax, utilities, food, debt repayments, car costs, childcare, subscriptions.
- Debts: What do you owe on your mortgage, credit cards, car finance, and personal loans?
- Dependents: Who relies on you financially? Your partner, children, or even ageing parents?
- Existing Cover: What do you already have? Check your employer's sick pay policy and any existing insurance.
Step 2: Understand Your Needs Looking at your audit, calculate the gap.
- How much income would your family need each month if you couldn't work?
- How much would be needed to clear the mortgage and other major debts if you were no longer around?
- For how long would this support be needed?
Step 3: The Power of Independent Advice You wouldn't diagnose a serious illness yourself; you'd see a doctor. Financial protection is no different. Instead of going directly to one insurer, using an independent expert broker is the smartest move.
- We See the Whole Picture: At WeCovr, we compare plans from all the major UK insurers, finding the best product at the most competitive price.
- We Understand the Small Print: Is that "cancer" definition comprehensive? Is the "own occupation" definition robust? We know what to look for.
- We Tailor the Solution: We take the time to understand your life, your business, and your goals to build a plan that's unique to you.
Step 4: Honesty is the Best Policy When you apply for insurance, you will be asked detailed questions about your health, lifestyle, and family medical history. It is absolutely vital that you are completely honest. Withholding information, even if it seems minor, could give the insurer grounds to void your policy and refuse a claim when your family needs it most.
Step 5: Review and Adapt Your protection plan isn't a "set it and forget it" product. Life changes, and so should your cover. Plan to review your policies every few years, or whenever you experience a major life event:
- Getting married or entering a civil partnership
- Buying a new home or increasing your mortgage
- Having a child
- Getting a significant pay rise
- Starting a business
Cultivating Resilience: Wellness Strategies to Complement Your Financial Plan
An unshakeable foundation has two parts: a robust financial plan and a proactive approach to your personal well-being. The two are symbiotic. By taking care of your health, you reduce your risk of needing to claim and may even secure lower insurance premiums.
Here are simple, powerful strategies to cultivate your own resilience:
- Nourish Your Body: A balanced diet rich in whole foods, fruits, and vegetables is one of the most effective forms of preventative medicine. It supports a healthy weight, reduces the risk of chronic diseases like type 2 diabetes and heart disease, and boosts your immune system.
- 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 exercise is a magic bullet for both physical and mental health.
- Prioritise Sleep: Sleep is not a luxury; it's a biological necessity. 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, from obesity to weakened immunity.
- Master Your Stress: Chronic stress is a silent killer. Find healthy coping mechanisms that work for you. This could be mindfulness or meditation, spending time in nature, engaging in a hobby you love, or simply connecting with friends and family.
Taking these small, consistent steps builds a healthier you, making you less susceptible to the very risks you're insuring against. It's the ultimate win-win.
Your Future, Fortified
In the uncertain world of 2025, proactive protection is no longer a luxury; it is the bedrock of a well-lived life. It is the quiet confidence that allows you to take calculated risks, pursue your passions, and be fully present with the people you love, free from the shadow of financial fear.
It transforms uncertainty from a source of anxiety into a catalyst for action. It's the ultimate expression of responsibility and care for yourself, your family, and your future.
Building this foundation is not about planning for an ending. It's about empowering a new beginning—a future where your dreams don't just survive, they thrive.
Is income protection worth it if I'm young and healthy?
How much life insurance do I actually need?
What's the difference between Critical Illness Cover and Income Protection?
As a freelancer, what's the one policy I should consider first?
Do I need a medical exam to get cover?
Can I get cover if I have a pre-existing medical condition?
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!