Thrive-Proof Your Future
Beyond the visible steps of self-improvement, true personal growth demands an unseen foundation: financial resilience. Explore how strategic protection – from Family Income Benefit, Income Protection, Critical Illness Cover, and Life Protection, to tailored Personal Sick Pay for those in riskier roles like electricians and nurses, and even Gift Inter Vivos for legacy planning – safeguards your aspirations. With new 2025 health projections confirming stark realities like 1 in 2 UK people facing a cancer diagnosis in their lifetime, learn how these essential covers, combined with private health insurance for rapid recovery, are not just safety nets but proactive investments that secure your independence, maintain your earning power, and ensure your legacy, freeing you to live a genuinely unstoppable and fear-proof life.
We invest so much in becoming better versions of ourselves. We track our macros, follow intricate workout plans, listen to podcasts on productivity, and enrol in courses to upskill. We are a generation dedicated to growth, optimisation, and self-improvement. Yet, in this relentless pursuit of progress, we often overlook the very foundation upon which all our ambitions are built: our financial resilience.
True, unshakeable confidence doesn't just come from a strong body or a sharp mind. It comes from knowing that a sudden illness, an unexpected injury, or a life-altering diagnosis won't shatter the world you've worked so hard to build. This is the unseen pillar of a 'thrive-proof' life. It’s about building a financial fortress that allows you to face the future with courage, not anxiety.
The statistics paint a stark picture. Projections from leading health bodies like Cancer Research UK continue to hold firm: an estimated one in two people in the UK will be diagnosed with some form of cancer during their lifetime. This isn't a scare tactic; it's a statistical reality that underscores the fragility of our health. When illness strikes, the last thing you or your family should worry about is how to pay the mortgage or cover the weekly shop.
This is where strategic protection insurance transforms from a 'nice-to-have' into a non-negotiable component of modern success. It’s not just a safety net for the worst-case scenario. It is a proactive investment in your ability to recover, to maintain your independence, and to ensure your ambitions don't have to be shelved. It's the key to living a genuinely unstoppable and fear-proof life.
The Unseen Pillar of Success: Why Financial Resilience Matters More Than Ever
Financial resilience is your personal economic shock absorber. It’s the capacity to withstand life’s unexpected financial hits—be it a period of illness, a sudden injury, or a family emergency—without it leading to a catastrophic spiral of debt and stress.
In the UK, this is a critical issue. The Financial Conduct Authority’s (FCA) latest 'Financial Lives' survey reveals a concerning landscape. As of early 2025, a significant portion of the adult population has low financial resilience, meaning they could not withstand a significant financial shock. Many have less than £1,000 in savings, an amount that would evaporate almost instantly if a regular income were to stop.
Think about the domino effect of an unexpected illness:
- The Diagnosis: A serious health event occurs.
- Inability to Work: You need to take significant time off for treatment and recovery.
- Income Halts: Statutory Sick Pay (SSP) is minimal, currently just over £116 per week. For the self-employed, income can drop to zero overnight.
- Financial Strain: Monthly bills—mortgage/rent, utilities, food, car payments—don't stop. Savings are quickly depleted.
- Increased Stress: Financial anxiety compounds the stress of being ill, which studies show can actively hinder recovery.
- Compromised Future: Plans are derailed. Business goals, family holidays, and long-term investments are put on hold or cancelled entirely.
This isn't a pessimistic outlook; it's a realistic assessment of risk. Building a 'thrive-proof' future means acknowledging this risk and systematically neutralising it.
| The Ripple Effect of Financial Shock | Consequence |
|---|---|
| Initial Event | Serious illness or injury |
| Immediate Impact | Inability to work, loss of earned income |
| Financial Fallout | Depletion of savings, reliance on credit, potential debt |
| Emotional Toll | High stress, anxiety, mental health decline |
| Recovery Impact | Financial worries impede physical and mental recovery |
| Long-Term Damage | Derailment of life goals, loss of assets (e.g., home) |
Protection insurance is the circuit breaker in this chain reaction. It steps in to replace lost income and provide lump sums of cash precisely when you are most vulnerable, allowing you to focus 100% on what truly matters: getting better.
Decoding Your Protection Toolkit: A Guide to the Essential Covers
The world of insurance can seem complex, but at its core, it's about providing the right type of financial support at the right time. Think of these policies as specialist tools in your financial resilience toolkit.
Income Protection: Your Monthly Salary Safeguard
Often considered the bedrock of any protection plan, Income Protection (IP) is designed to do one thing brilliantly: replace a significant portion of your monthly income if you're unable to work due to any illness or injury.
- What it is: A policy that pays out a regular, tax-free monthly sum until you can return to work, retire, or the policy term ends—whichever comes first.
- Who it's for: Every single person who relies on their income to live. It is arguably the most crucial cover for the self-employed and freelancers who have no access to employer sick pay.
- Key Features to Understand:
- Deferment Period: This is the waiting period between when you stop working and when the payments begin. It can range from 4 weeks to 12 months. Aligning this with any employer sick pay or savings is a smart way to manage premiums.
- Level of Cover: You can typically cover 50-70% of your gross monthly income.
- Definition of Incapacity: The best policies use an 'Own Occupation' definition. This means the policy will pay out if you are unable to perform your specific job, not just any job. This is a critical detail.
Example: Meet David, a 40-year-old self-employed IT consultant earning £60,000 a year. A serious back injury leaves him unable to sit at a desk for long periods. His 'Own Occupation' Income Protection policy, after a 3-month deferment period, starts paying him £3,000 a month. This covers his mortgage and family bills, removing financial pressure and allowing him to focus on physiotherapy and recovery without risking his family's financial stability.
Critical Illness Cover: A Lump Sum for Life's Toughest Battles
While Income Protection shields your monthly cash flow, Critical Illness Cover (CIC) provides a powerful one-off cash injection.
- What it is: A policy that pays out a tax-free lump sum on the diagnosis of a specific, serious medical condition listed in the policy.
- What it covers: The "big three"—cancer, heart attack, and stroke—are standard, but comprehensive policies cover dozens of conditions, including multiple sclerosis, major organ transplant, and Parkinson's disease.
- How the lump sum is used: This money is entirely flexible. It can be used to:
- Pay off a mortgage or other debts.
- Cover the cost of private treatment or specialist care.
- Make adaptations to your home (e.g., a wheelchair ramp).
- Allow a partner to take time off work to support you.
- Simply provide a financial cushion to reduce stress during recovery.
With the sobering reality that 1 in 2 of us will face cancer, having a significant sum of money available can be transformative. It buys you time, options, and peace of mind when you need them most.
Life Insurance (Life Protection): Securing Your Family's Future
This is the most well-known form of protection, designed to protect your loved ones from financial hardship after you're gone.
- What it is: A policy that pays out a lump sum to your named beneficiaries upon your death.
- Who needs it: Anyone with financial dependents—a partner, children, or even ageing parents who rely on you for support. If you have a mortgage, it's considered essential.
- Key Types:
- Level Term Assurance: The payout amount remains the same throughout the policy term. Ideal for covering an interest-only mortgage or providing a family lump sum.
- Decreasing Term Assurance: The payout amount reduces over time, broadly in line with a repayment mortgage. This makes it a very cost-effective way to ensure your home is paid off.
Writing your life insurance policy "in trust" is a simple but vital step. It ensures the payout goes directly to your beneficiaries, avoiding probate and potential Inheritance Tax.
Family Income Benefit: A Smarter Way to Protect Your Loved Ones
This is a clever and often more manageable alternative to a traditional lump-sum life insurance policy.
- What it is: Instead of a single large payout on death, Family Income Benefit (FIB) provides your family with a regular, tax-free income stream. This income is paid from the time of the claim until the end of the policy's term.
- The Benefit: It mirrors a lost salary, making it much easier for the surviving partner to budget and manage household finances without the pressure of investing a large lump sum. Because the total potential payout reduces over time, it's often significantly more affordable than an equivalent level term policy.
Example: A 25-year FIB policy for £3,000 a month is taken out. If the policyholder dies 5 years in, the family will receive £3,000 a month for the remaining 20 years of the term—a total payout of £720,000. This provides incredible long-term security.
Tailored Protection for Modern Work: Solutions for Every Role
The "one-size-fits-all" approach to financial planning is a thing of the past. Your profession and working style dictate your risks and, therefore, your protection needs.
For the Hands-On Professional: Personal Sick Pay
For those in physically demanding or riskier jobs—think electricians, plumbers, scaffolders, dental nurses, and construction workers—the risk of an injury-related absence is statistically higher.
Personal Sick Pay insurance is specifically designed for this group. It's a form of short-term income protection.
- Key Differences from traditional IP:
- Shorter Payment Periods: Policies typically pay out for a maximum of 12, 24, or sometimes 60 months per claim.
- Simpler Underwriting: The application process is often more straightforward, with fewer medical questions.
- Accessibility: It's designed to be accessible and affordable for occupations that might be quoted very high premiums or have exclusions on a long-term IP policy.
This cover acts as a crucial buffer, ensuring a broken leg or a slipped disc doesn't lead to a financial crisis.
For the Entrepreneurial Spirit: Self-Employed & Freelancers
The 4.2 million self-employed individuals in the UK are the backbone of the economy, but they are also the most financially exposed. There is no safety net—no employer sick pay, no death-in-service benefit, no company health plan.
For this group, a personal protection portfolio is not a luxury; it's a fundamental business continuity plan.
- The Non-Negotiable: Income Protection is priority number one. It is your only source of sick pay.
- The Capital Injection: Critical Illness Cover can provide the cash needed to hire a temporary replacement or simply keep the business afloat while you recover, preventing you from losing clients and momentum.
- The Backstop: Life insurance ensures your family isn't burdened with business debts or a sudden loss of their primary income source.
For the Business Leader: Protecting Your Company's Core
Company directors and business owners have unique responsibilities, not just to their families, but to their business and their employees. Specialist business protection policies address this, and they are often highly tax-efficient.
| Business Protection Policy | What It Does | Who It Protects | Tax Treatment |
|---|---|---|---|
| Key Person Insurance | Provides a lump sum to the business if a key employee dies or suffers a critical illness. | The business itself. The cash is used to cover lost profits, recruit a replacement, or repay loans. | Premiums are often a deductible business expense. |
| Executive Income Protection | A policy paid for by the business to provide an income for a director/employee if they're off sick. | The director/employee. It's a high-value benefit. | Premiums are a deductible business expense, and it's not a P11D benefit. |
| Relevant Life Cover | A company-paid death-in-service policy for an individual employee or director. | The employee's family. The payout is made directly to them via a trust. | Premiums are a deductible business expense and not a P11D benefit for the employee. |
These policies are powerful tools for attracting and retaining top talent, as well as ensuring the resilience and longevity of the business you've worked so hard to build.
The Legacy Blueprint: Protecting What You Leave Behind
True financial planning extends beyond your own lifetime. It's about ensuring the wealth you've created passes to the next generation efficiently and intact.
Gift Inter Vivos Insurance: The Smart Inheritance Tax Solution
Inheritance Tax (IHT) can significantly reduce the value of the estate you leave to your loved ones. One common planning strategy is to make large financial gifts during your lifetime. These are known as Potentially Exempt Transfers (PETs).
The catch is the "7-year rule". If you die within 7 years of making the gift, it becomes part of your estate for IHT purposes, and your beneficiaries could face a large, unexpected tax bill.
Gift Inter Vivos insurance is the perfect solution.
- What it is: A specialised life insurance policy with a decreasing term of 7 years. The level of cover is designed to match the declining IHT liability on the gift.
- How it works: If you die within the 7-year window, the policy pays out a lump sum sufficient to cover the exact IHT bill due on that gift. It's a simple, cost-effective way to ensure your gift is received in full.
| Years Between Gift & Death | Percentage of Full IHT Rate Paid |
|---|---|
| 0 - 3 years | 40% |
| 3 - 4 years | 32% |
| 4 - 5 years | 24% |
| 5 - 6 years | 16% |
| 6 - 7 years | 8% |
| 7+ years | 0% |
This policy effectively guarantees the success of your estate planning strategy, providing complete peace of mind.
The Synergistic Power of Protection: A Watertight Plan
These protection policies are powerful individually, but they work best as part of a combined, holistic strategy. A key part of this modern strategy involves pairing them with Private Medical Insurance (PMI).
The Ultimate Safety Net: Protection Insurance + Private Medical Insurance
Think of your health and financial wellbeing as two sides of the same coin.
- Private Medical Insurance (PMI): This is your 'fast track' to recovery. With NHS waiting lists for consultant-led treatment remaining a significant concern, PMI gives you rapid access to diagnostics, consultations, and private treatment. It gets you the best care, fast.
- Protection Insurance (IP, CIC): This is your 'financial care'. It manages the economic consequences of being ill.
Here’s how they work in perfect harmony:
- Symptom: You develop a worrying health symptom.
- PMI Kicks In: You bypass the long NHS queue, see a specialist within days, get a swift diagnosis and begin treatment in a private hospital.
- Income Protection Kicks In: While you're off work for treatment, your IP policy starts paying your monthly income after the deferment period, so your bills are covered.
- Critical Illness Cover Kicks In: If the diagnosis is a condition covered by your CIC policy, you receive a large, tax-free lump sum. This removes all financial stress, allowing you to pay for anything from experimental treatments to simply taking an extended, stress-free recovery period.
At WeCovr, we believe in this holistic approach. We don't just find you a policy; we help you build a comprehensive 'Thrive-Proof' plan. By analysing your unique situation, we can help you combine different types of cover from the UK's leading insurers to create a strategy that is robust, cost-effective, and leaves no gaps in your financial armour.
Beyond Insurance: Cultivating a Proactive Health & Wellness Mindset
While insurance protects your finances, the first line of defence is always your health. A proactive approach to wellness not only improves your quality of life but can also reduce your risk of developing many of the conditions that lead to a claim. It can even lead to lower insurance premiums.
- Nourish Your Body: A balanced diet rich in whole foods, fruits, and vegetables is fundamental. Reducing processed foods, sugar, and excessive alcohol intake can have a profound impact on your long-term health, lowering your risk of heart disease, type 2 diabetes, and certain cancers.
- 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 boosts cardiovascular health, strengthens bones, and is a powerful tool for managing stress.
- Prioritise Sleep: Sleep is not a luxury; it's a critical biological function. Aim for 7-9 hours of quality sleep per night. It's essential for cellular repair, cognitive function, and emotional regulation. Poor sleep is linked to a host of chronic health problems.
- Manage Your Mind: Chronic stress is toxic. Incorporate stress-management techniques into your daily routine. This could be mindfulness, meditation, yoga, or simply spending time in nature. Protecting your mental health is as important as protecting your physical health.
To support our clients on their wellness journey, WeCovr provides complimentary access to our exclusive AI-powered calorie and nutrition tracker, CalorieHero. We believe that empowering you with the tools to manage your health is a vital part of helping you build a truly resilient and thriving future. It's a small way we can demonstrate that our commitment to your wellbeing goes beyond just the policy documents.
Taking the First Step: How to Build Your Financial Armour
Building a robust protection plan is one of the most empowering financial decisions you can make. It's a declaration that you value your future, your ambitions, and the people who depend on you. Here’s how to start.
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Assess Your Reality: Take an honest look at your financial life.
- What are your essential monthly outgoings (mortgage/rent, bills, food)?
- Who depends on your income?
- What employer benefits (sick pay, death-in-service) do you have, if any?
- What is your biggest financial vulnerability if your income stopped tomorrow?
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Understand the Solutions: Familiarise yourself with the core products discussed here—Income Protection, Critical Illness Cover, and Life Insurance. Think about which risks you want to neutralise first. For most people, protecting their income is the priority.
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Seek Expert, Independent Advice: The protection market is vast, and policies differ significantly in their terms, conditions, and definitions. This is not the place for guesswork. Working with an expert independent broker like us at WeCovr is invaluable. We take the time to understand you, your family, and your work. We then search the entire market, comparing policies from all the major UK insurers to find the cover that offers the best quality and value for your specific needs. We handle the paperwork and can help place your policies in trust, ensuring your plan is set up correctly from day one.
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Review and Adapt: Your protection plan isn't a 'set and forget' product. Life changes. You might get married, have children, buy a bigger house, or start a business. It's crucial to review your cover every few years, or whenever a major life event occurs, to ensure your financial armour still fits.
Your Unstoppable Future Awaits
The pursuit of self-improvement is a noble one. But the sturdiest pyramid is only as strong as its base. By making financial resilience your foundation, you aren't planning for failure; you are planning for success, uninterrupted.
You are removing the single biggest source of anxiety that holds people back—the fear of the unknown. With a robust protection plan in place, you are free. Free to take calculated career risks. Free to pursue your passions. Free to recover from setbacks without compromise. Free to build a legacy.
You are freeing yourself to live a truly thrive-proof life.
Is protection insurance expensive?
Do I need a medical examination to get cover?
What's the difference between Income Protection and Critical Illness Cover?
Can I get cover if I have a pre-existing medical condition?
Why should I use a broker like WeCovr instead of going direct to an insurer?
As a company director, which policy is most important?
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!