Thrive Guard: Resilience & Growth
Imagine a life where unforeseen challenges don't derail your personal growth, relationships, or financial freedom. Learn how strategic life and income protection, alongside accessible private healthcare, build your ultimate resilience toolkit, ensuring you can thrive and continue evolving, even as health statistics show 1 in 2 UK individuals may face a cancer diagnosis in their lifetime, or any other life-altering event.
Life is a journey of growth, ambition, and connection. We build careers, nurture families, and pursue passions, always looking forward. But what happens when the unexpected occurs? A sudden illness, a serious accident, or a life-changing diagnosis can feel like a roadblock, threatening not just our health, but the very foundations of the life we've carefully constructed.
Financial worries can quickly overshadow recovery. Relationship dynamics can shift under the strain. Personal ambitions can be put on indefinite hold. This is where resilience comes in—not just the emotional grit to keep going, but a practical, well-designed framework that protects you and your loved ones.
This is your 'Thrive Guard'. It's a proactive strategy combining robust financial safety nets with swift access to quality healthcare. It's about creating a reality where a health crisis becomes a challenge to be managed, not a catastrophe that defines your future. With sobering statistics from Cancer Research UK predicting that 1 in 2 of us will face a cancer diagnosis in our lifetime, building this resilience is no longer a luxury; it's an essential part of modern life planning.
The Modern Resilience Toolkit: What is a 'Thrive Guard'?
Think of a 'Thrive Guard' not as a single product, but as a personalised ecosystem of support. It's designed to protect you across three critical pillars of your life when you need it most.
- Financial Resilience: This is the bedrock. It ensures that a health issue doesn't trigger a financial crisis. Strategic insurance policies provide cash—either as a lump sum or a regular income—to replace lost earnings, pay off debts, and cover additional costs, allowing you to focus entirely on your recovery.
- Health Resilience: This is about speed and choice. While we are all incredibly fortunate to have the NHS, increasing pressures mean waiting lists can be long. Access to private healthcare can provide faster diagnostics, quicker access to specialists, and a wider range of treatment options, giving you the best possible chance of a positive outcome.
- Emotional & Mental Resilience: When financial and health worries are managed, you create the mental space needed to cope and heal. This pillar is about reducing stress for you and your family, maintaining a sense of control, and having the support systems in place to navigate the emotional journey of recovery.
Building this toolkit is an act of empowerment. It’s a declaration that you value your future, your family, and your peace of mind enough to protect them today.
Deconstructing the Financial Safety Net: Your Protection Insurance Options
The financial pillar of your Thrive Guard is built with specialist insurance products. Each serves a distinct purpose, and the right combination depends entirely on your personal circumstances. Let's break down the key players.
Life Insurance: The Cornerstone of Legacy Protection
Life Insurance is arguably the most well-known form of protection. In its simplest form, it pays out a tax-free lump sum to your beneficiaries if you pass away during the policy term. This money can be a lifeline, ensuring your loved ones can maintain their standard of living without you.
Who needs it?
- Mortgage Holders: To pay off the outstanding mortgage, ensuring your family can stay in their home.
- Parents & Guardian's: To cover childcare costs, school fees, and general living expenses as your children grow up.
- Business Owners: To provide funds for a partner to buy out your share of the business or settle business debts.
- Anyone with Financial Dependents: To replace your income and protect your partner or other loved ones from financial hardship.
There are two primary types of term life insurance:
| Feature | Level Term Insurance | Decreasing Term Insurance |
|---|---|---|
| Payout Amount | Stays the same throughout the policy term. | Decreases over the policy term, usually in line with a repayment mortgage. |
| Best For | Covering interest-only mortgages, providing a family lump sum, or covering potential inheritance tax. | Covering a repayment mortgage or other loan that reduces over time. |
| Cost | Generally more expensive than decreasing term. | Typically the most affordable type of life cover. |
A specialist type of life insurance is Gift Inter Vivos cover. If you gift a large sum of money or an asset (like a property) to someone, it may be subject to Inheritance Tax (IHT) if you pass away within seven years. This policy is designed to pay out a lump sum to cover that potential tax bill, ensuring your beneficiaries receive the full value of your gift.
Critical Illness Cover (CIC): A Lump Sum for Life's Biggest Health Battles
While life insurance protects your family after you're gone, Critical Illness Cover is designed to protect you while you are living. It pays out a tax-free lump sum if you are diagnosed with one of the specific serious illnesses listed in the policy.
The "big three" conditions covered by almost all CIC policies are cancer, heart attack, and stroke, which account for the vast majority of claims. However, modern policies can cover over 50 specified conditions, including multiple sclerosis, major organ transplant, and Parkinson's disease.
Why is it so important?
A serious illness brings unexpected costs. The lump sum from a CIC policy gives you complete freedom. You could use it to:
- Replace lost income for you or a partner who takes time off to care for you.
- Clear a mortgage or other debts to reduce your monthly outgoings.
- Pay for private medical treatment or specialist therapies not available on the NHS.
- Make adaptations to your home, such as installing a ramp or a stairlift.
- Simply give you the financial breathing room to recover without stress.
According to the Association of British Insurers (ABI), a staggering £1.5 billion was paid out in individual critical illness claims in 2023 alone, demonstrating how vital this cover is for thousands of UK families each year.
Income Protection (IP): Your Personal Salary When You Can't Work
Often described by financial experts as the most essential protection policy of all, Income Protection (IP) is your financial foundation. It pays out a regular, tax-free monthly income if you are unable to work due to any illness or injury.
Unlike CIC, which covers specific conditions, IP can cover almost any medical reason that prevents you from doing your job, including stress, depression, and musculoskeletal issues—some of the leading causes of long-term absence in the UK.
Consider this: Statutory Sick Pay (SSP) in the UK for 2024/2025 is just £116.75 per week. Could your household survive on that? For most people, the answer is a resounding no.
How does Income Protection work?
- Benefit Amount: You can typically cover 50-70% of your gross monthly income.
- Deferment Period: This is the waiting period from when you stop work to when the payments begin. It can range from 4 weeks to 12 months. The longer the deferment period you choose, the lower your premium. You can align this with any sick pay you receive from your employer.
- Payment Period: This is how long the policy will pay out for. It can be for a fixed term (e.g., 2 or 5 years) or, ideally, right up until you return to work or reach retirement age.
For those in manual or riskier professions, such as tradespeople, nurses, or construction workers, a more specific policy sometimes called Personal Sick Pay is available. These policies are often simpler, with shorter deferment and payment periods, designed for people who need immediate cover for short to medium-term absences.
Family Income Benefit (FIB): Regular Support Instead of a Lump Sum
Family Income Benefit is a variation of life insurance. Instead of paying a single large lump sum on death, it pays out a regular, tax-free monthly or annual income to your family.
This is often an excellent choice for young families, as it's designed to replace the deceased's lost monthly income in a manageable way. It helps the surviving partner budget for regular outgoings like bills, childcare, and food, rather than having to manage a large, and potentially intimidating, lump sum. It's also typically more affordable than an equivalent level term life insurance policy.
The Business Owner's Shield: Protecting Your Livelihood and Legacy
If you are a company director, a freelancer, or a self-employed professional, your personal and business finances are often intertwined. A personal health crisis can jeopardise not only your own income but the very survival of the business you’ve worked so hard to build. Specialised business protection is a critical component of your 'Thrive Guard'.
Key Person Insurance
Who is the most important person in your business? Is it the founder with the vision, the sales director with the client list, or the technical genius who built the product? Key Person Insurance protects your business from the financial impact of losing such an individual to death or critical illness.
The policy pays a lump sum to the business, which can be used to:
- Recruit and train a replacement.
- Cover lost profits or a downturn in sales during the transition.
- Reassure lenders, investors, and clients that the business is stable.
- Repay a business loan that the key person may have personally guaranteed.
Executive Income Protection
This is a highly tax-efficient way for a limited company to provide income protection for its directors and employees. The company pays the premiums, and these are typically classed as an allowable business expense, making them deductible against corporation tax.
If the insured director is unable to work, the policy pays a monthly benefit to the company, which can then be paid to the director via PAYE. It provides vital income security for your key people while being a smart financial move for the business.
Relevant Life Cover
For small businesses that aren't large enough to set up a full group death-in-service scheme, Relevant Life Cover is a game-changer. It's a company-paid life insurance policy for an individual employee or director.
Like Executive IP, the premiums are usually an allowable business expense. Crucially, the benefit is paid out tax-free to the employee's family via a discretionary trust and is not considered a 'benefit in kind', so there's no extra tax for the employee to pay. It’s a valuable perk that helps attract and retain top talent.
Shareholder or Partnership Protection
What would happen to your business if one of your fellow partners or shareholders were to pass away or become critically ill? Their share of the business would likely pass to their family. Would they want to be involved in running the company? Would you have the funds to buy them out at a fair price?
Shareholder or Partnership Protection solves this problem. It's an agreement, backed by life and/or critical illness policies, that provides the surviving owners with the capital needed to purchase the outgoing owner's share. This ensures a smooth transition, maintains control of the business, and provides fair value to the departing owner or their family.
| Business Protection Type | What It Does | Who It's For |
|---|---|---|
| Key Person Insurance | Provides a lump sum to the business if a key employee dies or becomes critically ill. | Businesses reliant on specific individuals for profit or operations. |
| Executive Income Protection | A tax-efficient way for a company to provide income protection for directors/employees. | Limited companies wanting to protect key staff and themselves. |
| Relevant Life Cover | A tax-efficient death-in-service benefit for individual employees/directors. | Small businesses and high-earning directors. |
| Shareholder Protection | Provides funds for remaining owners to buy out a deceased/ill partner's share. | Partnerships and limited companies with multiple owners. |
Beyond the Financial: The Power of Private Healthcare
A robust financial safety net is essential, but the ultimate goal is a swift and successful recovery. This is where Private Medical Insurance (PMI) becomes a powerful component of your 'Thrive Guard'.
While the NHS provides excellent care, it is under immense pressure. As of mid-2024, the total waiting list for non-urgent consultant-led treatment in England stood at over 7.5 million. For many conditions, this can mean waiting months for a diagnosis and even longer for treatment. This "watchful waiting" can be a period of immense anxiety and physical discomfort.
PMI works alongside the NHS to give you more control over your healthcare journey.
Key Benefits of Private Medical Insurance:
- Speedy Diagnosis and Treatment: Get seen by a specialist in days or weeks, not months. This can be crucial for conditions where early intervention significantly improves outcomes.
- Choice and Control: You can often choose your consultant and the hospital where you receive treatment, giving you confidence you are in the best hands.
- Access to Specialist Drugs and Treatments: Some cutting-edge treatments or drugs may not be routinely available on the NHS due to cost or other factors. PMI can provide access to them.
- Comfort and Privacy: Recover in a private room with an en-suite bathroom, more flexible visiting hours, and better food, creating a more comfortable and restful healing environment.
- Added Value Services: Modern PMI policies are evolving. Many now include fantastic day-to-day health benefits such as:
- 24/7 Virtual GP services: Speak to a doctor via phone or video call anytime, often with same-day prescriptions.
- Mental Health Support: Access to counselling or therapy sessions without a long wait.
- Wellness Programmes: Discounts on gym memberships and health screenings to encourage proactive health management.
Having PMI means that when a health concern arises, you can bypass the queues and get the answers and treatment you need, fast. It’s about minimising the disruption to your life and maximising your chances of a full and speedy recovery.
Building Holistic Resilience: Wellness, Diet, and Lifestyle
The most effective 'Thrive Guard' is one you never have to use. While insurance protects you from the consequences of ill health, a proactive approach to wellness can reduce your risk of developing serious conditions in the first place. This is about shifting your mindset from purely defensive to proactively building a stronger, healthier you.
A commitment to holistic health is something we champion. For instance, here at WeCovr, we believe in supporting our clients' complete health journey. That’s why, in addition to finding you the right policy, we provide our customers with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, to help you make informed choices about your diet.
Here are some simple, evidence-based pillars of a healthier lifestyle:
1. A Balanced Diet
You don't need fad diets or extreme restrictions. Focus on a balanced, nutrient-rich diet:
- Eat the Rainbow: Aim for at least five portions of a variety of fruit and vegetables per day.
- Prioritise Whole Grains: Choose wholegrain bread, pasta, and rice over white, refined versions.
- Lean Protein: Incorporate lean meats, fish, beans, pulses, and eggs.
- Stay Hydrated: Drink plenty of water throughout the day.
- Limit Processed Foods: Reduce your intake of foods high in salt, sugar, and saturated fat.
2. Regular Physical Activity
Movement is medicine for both body and mind. The UK Chief Medical Officers' guidelines recommend that adults aim for:
- At least 150 minutes of moderate-intensity activity a week (like brisk walking, cycling, or dancing).
- Or 75 minutes of vigorous-intensity activity a week (like running or HIIT).
- Strength-building activities on two or more days a week that work all the major muscle groups.
3. Quality Sleep
Sleep is not a luxury; it's a biological necessity. Poor sleep is linked to a higher risk of numerous health problems, including heart disease, diabetes, and poor mental health.
- Stick to a Routine: Go to bed and wake up at a similar time each day.
- Create a Restful Environment: Ensure your bedroom is dark, quiet, and cool.
- Avoid Screens Before Bed: The blue light from phones and tablets can interfere with your body's production of the sleep hormone melatonin.
- Wind Down: Develop a relaxing pre-sleep ritual, like reading a book or taking a warm bath.
4. Mental Wellbeing
Financial and health worries are major sources of stress. Managing your mental health is just as important as your physical health.
- Practice Mindfulness: Techniques like meditation or deep breathing can help calm a racing mind.
- Stay Connected: Nurture your relationships with friends and family. Social connection is a powerful buffer against stress.
- Make Time for Hobbies: Engaging in activities you enjoy is a great way to de-stress and boost your mood.
- Know When to Seek Help: There is no shame in talking to a professional. If you're struggling, speak to your GP or use the mental health support services often included with modern insurance policies.
Weaving It All Together: Your Personal Resilience Plan
Building your 'Thrive Guard' can feel like a big task, but it can be broken down into simple, manageable steps. There is no one-size-fits-all solution; your plan must be tailored to your life.
Step 1: Assess Your Situation Take a clear-eyed look at your life.
- Finances: What are your major debts (mortgage, car loans)? What are your monthly outgoings? How much income would your family need if you couldn't provide it?
- Dependents: Who relies on you financially? Children, a partner, ageing parents?
- Employment: What sick pay does your employer provide? Are you self-employed with no safety net?
- Business: If you own a business, who are your key people? What would happen if you or a partner had to exit unexpectedly?
Step 2: Understand the Risks Acknowledge the statistics, not to create fear, but to foster a sense of responsibility. A serious illness can happen to anyone at any age. Planning for this possibility is a sign of strength and foresight.
Step 3: Explore Your Options Review the different types of protection discussed in this guide. Which ones resonate most with your assessment in Step 1? Perhaps a combination of decreasing term insurance to cover the mortgage, and a long-term income protection policy to secure your salary, is the right starting point.
Step 4: Seek Expert Advice Navigating the world of protection insurance can be complex. Policies, definitions, and pricing vary hugely between insurers. This is where an expert broker like WeCovr is invaluable. We help you compare policies from all the major UK insurers, demystifying the jargon and ensuring you get the right cover for your unique circumstances, without paying for features you don't need. An adviser can stress-test your financial plan and build a package that is both comprehensive and affordable.
Common Questions & Misconceptions Debunked
Many people put off buying protection because of common myths. Let's tackle them head-on.
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"It's too expensive." The cost of not being covered is infinitely higher. A broker can tailor a plan to your budget. A small monthly premium today can prevent financial ruin tomorrow. For a healthy 30-year-old, meaningful cover can often be secured for less than the cost of a few weekly coffees.
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"I'm young and healthy, I don't need it yet." That's precisely the best time to get it! Premiums are at their lowest when you are young and healthy. Furthermore, illness and accidents are by their nature unforeseen. You are insuring against a future possibility, not a current reality.
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"Insurers never pay out." This is one of the biggest and most damaging myths. The data proves it's false. According to the Association of British Insurers (ABI), in 2023, UK insurers paid out on 99.3% of all protection claims, totalling a record £7 billion. That's over £19 million paid out to families every single day. Insurers want to pay valid claims.
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"I have cover through my employer." Workplace benefits are a great perk, but they have limitations. The cover is often basic (e.g., 1-2x salary for death-in-service) and rarely includes comprehensive critical illness or long-term income protection. Most importantly, if you leave your job, you lose the cover. A personal policy belongs to you, regardless of your employer.
Conclusion: From Surviving to Thriving
Building your 'Thrive Guard' is one of the most profound acts of care you can take for yourself and your loved ones. It’s a shift in perspective—from hoping for the best to planning for the worst, so you can confidently enjoy every moment in between.
Resilience in the 21st century is a proactive choice. It's the thoughtful combination of a financial shield that protects your income and assets, a healthcare pathway that offers speed and choice, and a lifestyle that builds a strong foundation of wellness.
It’s the peace of mind that comes from knowing that if life throws you a curveball, you have the resources to manage it, recover from it, and continue your journey of growth, contribution, and connection. You won't just survive; you will have the tools to thrive. An expert partner like WeCovr can help you lay these foundations today, for a more secure and empowered tomorrow.
What is the difference between Income Protection and Critical Illness Cover?
Do I need a medical exam to get life insurance?
Can I get cover if I have a pre-existing medical condition?
How much cover do I actually need?
Is life insurance paid out tax-free?
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!