Thrive & Protect: Unlocking Your Future
Unlock Your Unbreakable Future: Why True Personal Growth Demands Proactive Protection in an Uncertain World
We live in an age of ambition. The drive to improve, to grow, and to build a better life has never been more palpable. We create five-year plans, invest in new skills, launch side hustles that become thriving businesses, and meticulously plan our career trajectories. We are a nation of dreamers and doers, relentlessly pursuing personal and professional growth.
Yet, there's a profound paradox at the heart of this ambition. While we plan meticulously for success, we often dangerously neglect to plan for the unexpected setbacks that can derail our progress in an instant. We build beautiful, intricate structures on foundations of sand, hoping the tide of misfortune never comes in.
True, sustainable growth—the kind that lasts a lifetime and builds a legacy—isn't just about striving for the best-case scenario. It's about having the wisdom and foresight to prepare for the worst. It’s about building a financial fortress around yourself and your loved ones, ensuring that an illness, injury, or unforeseen tragedy doesn't shatter the future you're working so hard to create.
This guide is about bridging that gap. It's about understanding that proactive protection isn't a cost; it's an investment in your own potential. It’s the framework that allows you to take calculated risks, chase your biggest dreams, and live a fuller, more secure life, knowing you have an unbreakable safety net.
The Modern Briton's Ambition: A Double-Edged Sword?
The landscape of work in the United Kingdom has transformed. The traditional 'job for life' is largely a relic of the past. In its place is a dynamic, fluid, and exciting world of opportunity, but one that carries its own unique set of vulnerabilities.
According to recent data from the Office for National Statistics (ONS), the UK's army of self-employed workers numbers well over 4.2 million. We are a nation of entrepreneurs, freelancers, consultants, and contractors. This spirit of independence is liberating, allowing individuals to become masters of their own destiny. However, this freedom comes at a price.
When you step away from traditional employment, you often leave behind a crucial support system:
- Employer Sick Pay: Beyond the statutory minimum, many companies offer generous sick pay schemes that provide a lifeline during periods of illness.
- Death in Service Benefits: A common employee benefit that pays out a multiple of your salary to your loved ones if you pass away while employed.
- Private Medical Insurance: Access to faster diagnosis and treatment.
The modern ambitious individual, whether a freelance graphic designer in Manchester, a boutique coffee shop owner in Bristol, or a tech contractor in London, trades these securities for autonomy. This makes their personal financial resilience not just important, but absolutely critical. An unexpected illness doesn't just mean a few days off; it can mean a complete cessation of income with no safety net to catch them.
A Tale of Two Futures: The Unprotected vs. The Prepared
Consider two individuals with identical ambitions:
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Sarah, the Unprotected Freelancer: Sarah is a talented web developer. She leaves her agency job to go freelance and quickly builds a strong client base. She's earning more than ever and investing in new software and training. Six months in, a serious back injury from a minor car accident leaves her unable to sit at her desk for three months. Her income drops to zero. Statutory Sick Pay isn't an option. Her savings, earmarked for a house deposit, are quickly drained by her mortgage, bills, and living costs. The stress delays her recovery, and she's forced to take on debt to stay afloat. Her business momentum is lost, and her dream feels further away than ever.
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Tom, the Prepared Business Owner: Tom starts a carpentry business. From day one, he works with a financial adviser to put a robust protection plan in place. He secures a comprehensive Income Protection policy. When he suffers a similar injury, his story is vastly different. After a one-month deferment period (which he covers with a small emergency fund), his policy kicks in, paying him a tax-free monthly income. His mortgage is paid, the bills are covered, and he can focus entirely on his recovery without financial stress. He returns to his business healthy, solvent, and ready to pick up where he left off.
This isn't about scaremongering; it's about illustrating a fundamental truth. Your ability to achieve your long-term goals is directly linked to your ability to weather short-term storms.
The Foundation of Thriving: Your Health and Wellbeing
Before we delve into the specifics of financial protection, it's vital to acknowledge the cornerstone of all success: your health. The most comprehensive insurance policy is no substitute for a healthy lifestyle. Proactive protection begins with how you treat your body and mind every single day.
Your energy, focus, creativity, and resilience are your greatest assets. Nurturing them is the first and most important step in building your unbreakable future.
Fuel Your Ambition: The Power of Diet
What you eat directly impacts your cognitive function and energy levels. Forget fad diets; focus on sustainable, balanced nutrition. The NHS 'Eatwell Guide' provides a simple yet powerful framework:
- Base your meals on higher fibre starchy carbohydrates: Wholegrains, potatoes, and pasta provide slow-release energy.
- Eat plenty of fruit and vegetables: Aim for at least five portions a day for a rich supply of vitamins, minerals, and antioxidants.
- Incorporate proteins: Lean meats, fish, beans, and pulses are crucial for muscle repair and keeping you feeling full.
- Stay Hydrated: Dehydration can lead to fatigue, headaches, and poor concentration. Aim for 6-8 glasses of water a day.
At WeCovr, we believe so strongly in the link between health and financial security that we provide our clients with complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app. It’s a small way we can help you invest in your most important asset—your health.
Recharge and Conquer: The Non-Negotiable Role of Sleep
In our 'always-on' culture, sleep is often the first thing to be sacrificed. This is a critical mistake. According to The Sleep Charity, a significant portion of the UK population suffers from inadequate sleep, leading to reduced productivity and an increased risk of long-term health problems.
- Aim for 7-9 hours of quality sleep per night.
- Establish a routine: Go to bed and wake up at the same time, even on weekends.
- Create a restful environment: A dark, quiet, and cool room is optimal.
- Switch off screens at least an hour before bed. The blue light can interfere with your body's production of melatonin, the sleep hormone.
Move Your Body, Free Your Mind: The Impact of Activity
Physical activity is one of the most potent tools for managing stress and improving both physical and mental health. The NHS recommends at least:
- 150 minutes of moderate-intensity activity a week (like brisk walking, cycling, or dancing).
- Strength exercises on 2 or more days a week that work all major muscle groups.
You don't need an expensive gym membership. A brisk walk at lunchtime, a weekend hike, or an online yoga class can make a world of difference to your mood, energy, and overall resilience.
When Life Throws a Curveball: Understanding the Real Risks
A healthy lifestyle significantly reduces your risk, but it doesn't eliminate it. Life is unpredictable. Understanding the statistical reality of illness, injury, and death isn't about being morbid; it's about being a realist. The numbers paint a clear picture of why a financial safety net is not a luxury, but a necessity.
The Reality of Critical Illness
The "big three" critical illnesses—cancer, heart attack, and stroke—can affect anyone, at any age.
- Cancer: Leading health charities like Cancer Research UK state that 1 in 2 people in the UK born after 1960 will be diagnosed with some form of cancer during their lifetime. While survival rates are improving dramatically, the financial impact of treatment and recovery can be devastating.
- Heart Attack: The British Heart Foundation reports there are more than 100,000 hospital admissions for heart attacks in the UK each year.
- Stroke: According to the Stroke Association, someone in the UK has a stroke every five minutes. It is a leading cause of adult disability.
A critical illness diagnosis brings immediate challenges: time off work for treatment, potential inability to return to your previous role, and unexpected costs for travel, home modifications, or specialist care.
The Threat of Long-Term Sickness
You don't need a life-threatening illness for your finances to be crippled. ONS data from 2024 revealed that an estimated 2.8 million people were out of work due to long-term sickness, a record high. The most common reasons include:
- Musculoskeletal problems (e.g., back pain, joint issues).
- Mental health conditions (e.g., stress, depression, anxiety).
If you rely on your income to live, ask yourself a simple question: "How long could I survive financially if I couldn't work?" For most, the answer is "not long." Statutory Sick Pay (SSP) in the UK for 2024/25 is just £116.75 per week.
| Your Monthly Outgoings | Statutory Sick Pay (Monthly) | Your Monthly Shortfall |
|---|---|---|
| £2,500 (Mortgage, Bills, Food) | ~£505 | -£1,995 |
| £3,500 (Family & Higher Costs) | ~£505 | -£2,995 |
As the table clearly shows, SSP provides a minimal safety net that is wholly inadequate for covering the essential living costs of the average UK household.
The Ultimate Financial Shock: Premature Death
No one wants to consider their own mortality. But if you have people who depend on you financially—a partner, children, or even aging parents—you have a responsibility to plan for the unthinkable.
- The Cost of a Mortgage: The average outstanding mortgage debt for a UK household is now over £150,000. Could your family maintain their home without your income?
- The Cost of Raising a Child: Estimates from the Child Poverty Action Group suggest the total cost of raising a child to the age of 18 is now in excess of £160,000 for a couple.
Leaving your family to deal with both grief and financial ruin is an avoidable tragedy.
Building Your Financial Fortress: A Guide to Personal Protection Insurance
Understanding the risks is the first step. The second is taking decisive action to mitigate them. This is where personal protection insurance comes in. These policies are the bricks and mortar of your financial fortress, designed to pay out when you and your family need it most. Let's demystify the core products.
1. Life Insurance (Life Protection)
Life insurance pays out a cash sum upon your death. It's designed to provide for your dependents, clear debts, and cover funeral costs.
| Product Type | How it Works | Best For |
|---|---|---|
| Level Term Insurance | Pays a fixed lump sum if you die within a set term (e.g., 25 years). The payout amount remains the same throughout. | Covering an interest-only mortgage or providing a substantial legacy for your family's future. |
| Decreasing Term Insurance | The potential payout decreases over the term, usually in line with a repayment mortgage. Premiums are lower. | Specifically covering a repayment mortgage, ensuring your largest debt is cleared. |
| Family Income Benefit | Instead of a lump sum, it pays out a regular, tax-free monthly or annual income to your family until the policy term ends. | Replacing your lost salary in a manageable way, helping your family to budget effectively. |
| Whole of Life | Guarantees a payout whenever you die, as long as you keep paying premiums. It is more expensive. | Covering a definite future liability like an Inheritance Tax bill or leaving a guaranteed legacy. |
2. Critical Illness Cover (CIC)
This is one of the most misunderstood but vital policies. CIC pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious illnesses (e.g., specific cancers, heart attack, stroke, multiple sclerosis).
How can the payout be used?
- Clear or reduce your mortgage.
- Cover your salary for a year or two while you recover.
- Pay for private treatment or specialist therapies.
- Adapt your home (e.g., install a ramp or stairlift).
- Reduce financial stress, allowing you to focus 100% on getting better.
Policies vary significantly between insurers in terms of the number and definition of illnesses covered. This is where expert advice is invaluable.
3. Income Protection Insurance (IP)
Often described by financial experts as the bedrock of any financial plan, Income Protection is arguably the one policy every working adult should consider.
How does it work?
- If you are unable to work due to any illness or injury (not just a specific list of critical ones), the policy pays you a regular, tax-free monthly income.
- It typically covers 50-70% of your gross salary.
- You choose a deferment period—the time you wait from when you stop working to when the payments start. This can be aligned with your employer's sick pay or your emergency savings (e.g., 1, 3, 6, or 12 months). A longer deferment period means a lower premium.
- Policies can pay out for a short term (e.g., 1, 2, or 5 years per claim) or until you return to work, retire, or the policy ends—whichever comes first.
For tradespeople and those in riskier jobs, short-term IP is sometimes referred to as Personal Sick Pay. It's a crucial safety net for those who are more susceptible to injuries that could keep them off the tools for months.
Tailored Protection for Every Ambition: Solutions for Professionals & Business Owners
The need for protection evolves with your career. The safety net required by a PAYE employee is different from that of a freelancer or a limited company director.
For the Self-Employed & Freelancers
For this group, personal protection isn't a "nice-to-have"; it's a core part of your business plan.
- Income Protection is Priority #1: Your ability to earn is your business's primary asset. Protecting it is non-negotiable.
- Life & Critical Illness Cover: This ensures your personal liabilities (mortgage, loans) are covered and your family is secure, separating your personal finances from your business risks.
For Company Directors & Business Owners
As a director, you have access to highly tax-efficient ways to arrange protection through your limited company. This is a powerful but often overlooked advantage.
| Protection Type | What it Does | Key Benefit |
|---|---|---|
| Executive Income Protection | An Income Protection policy owned and paid for by your company, for your benefit. | The premiums are typically an allowable business expense, making it highly tax-efficient. |
| Relevant Life Cover | A company-paid death-in-service policy for you as a director. | Premiums are a business expense, and benefits are paid tax-free to your family via a trust. |
| Key Person Insurance | The business takes out a policy on a key individual (e.g., you or a top salesperson). The payout goes to the business. | Protects the company's profits and stability if a vital member of the team dies or becomes critically ill. |
| Shareholder Protection | An agreement funded by life insurance policies that allows the remaining shareholders to buy the shares of a deceased or critically ill shareholder. | Ensures a smooth transition of ownership and business continuity, preventing shares from passing to family members who may not wish to be involved. |
Navigating these business protection options requires specialist advice to ensure they are set up correctly for maximum tax efficiency and effectiveness.
Beyond the Basics: Specialist Protection Scenarios
Your protection needs can also be shaped by specific life events and financial planning goals.
Gifting and Inheritance Tax: The Gift Inter Vivos Plan
Many people want to help their children or grandchildren financially, perhaps by gifting a deposit for a house. However, under UK law, if you give away an asset (a "gift") and die within seven years, it may still be subject to Inheritance Tax (IHT).
A Gift Inter Vivos policy is a special type of life insurance designed to solve this problem.
- It's a term insurance policy that runs for seven years.
- The payout is designed to cover the potential IHT liability on the gift.
- This protects the recipient of your gift from an unexpected and hefty tax bill, ensuring they receive the full benefit of your generosity.
Protecting Your Largest Debt: The Mortgage
For most of us, our mortgage is the biggest financial commitment we will ever make. It is imperative that it is protected.
- A Decreasing Term policy is the most common and cost-effective way to protect a repayment mortgage.
- A Level Term policy is more suitable for an interest-only mortgage.
Lenders no longer insist on life insurance, but taking out a mortgage without it is a significant and unnecessary gamble with your family's home.
Navigating the Market: How to Secure the Right Cover
The UK protection market is vast and complex. There are dozens of insurers, and each has its own policy definitions, pricing structures, and underwriting philosophies. Trying to navigate this alone can be overwhelming and lead to costly mistakes.
This is where working with an expert independent broker like WeCovr becomes invaluable.
- We're Not Tied to One Insurer: Unlike going direct to a single provider or using a bank, we have access to the entire market. We compare policies from all the major UK insurers to find not just the best price, but the best policy for your specific needs.
- We Understand the Small Print: Is an insurer's definition of "heart attack" or "total permanent disability" robust? We know the subtle but crucial differences in policy wording that can make all the difference at the point of a claim.
- We Handle the Hassle: We guide you through the application process, help you answer medical questions accurately and honestly, and chase the insurers on your behalf.
- We Provide Holistic Advice: We can help you place your policies into trust, which ensures the payout goes to the right people quickly and without being subject to probate or Inheritance Tax. This is a vital step that is often missed.
Our role is to be your advocate, using our expertise to translate your ambitions and concerns into a robust, affordable, and effective protection strategy.
Your Unbreakable Future Starts Today
Building the life you dream of requires courage, hard work, and relentless ambition. Protecting it requires wisdom, foresight, and decisive action. The two are inextricably linked.
Don't let the future you're working so hard for remain vulnerable. Investing in a comprehensive protection plan is one of the most powerful acts of self-reliance and responsibility you can undertake. It frees you to pursue your goals with greater confidence, knowing that you have built a foundation that can withstand life's inevitable storms.
The first step isn't a commitment; it's a conversation. A review of your circumstances. An honest assessment of your risks and your goals. Take that step today. Your future self will thank you for it.
Frequently Asked Questions (FAQs)
Is life insurance expensive?
This is a common misconception. For most people, particularly if you are young and in good health, life insurance is surprisingly affordable. A healthy 30-year-old could secure hundreds of thousands of pounds of cover for the price of a few cups of coffee a week. The cost depends on your age, health, lifestyle (e.g., whether you smoke), the amount of cover you need, and the length of the policy. The key is to lock in a low premium while you are young and healthy.
Do I need income protection if I have savings?
Savings are a fantastic buffer, but they are finite. Consider the average UK household's outgoings. A savings pot of £10,000 could be depleted in just a few months if your income stops completely. A long-term illness could keep you out of work for years. Income Protection is designed for this long-term scenario, providing a continuous monthly income to keep you financially stable until you can return to work, allowing you to preserve your hard-earned savings for their intended purpose, like retirement or a house deposit.
I'm self-employed. What's the single most important cover for me?
While a full protection portfolio should ideally include life and critical illness cover, most financial experts agree that Income Protection is the foundational policy for any self-employed individual. This is because your ability to earn an income is your most valuable asset. Without a sick pay package from an employer, an income protection policy is the only way to guarantee a replacement salary if you're unable to work due to any illness or injury. It protects your entire financial world from collapsing.
What's the difference between Critical Illness Cover and Income Protection?
It's crucial to understand the distinction as they cover different needs:
- Critical Illness Cover (CIC) pays out a one-off, tax-free lump sum if you are diagnosed with a specific serious illness defined in the policy. It's designed to handle the large, immediate financial shock of a major illness.
- Income Protection (IP) pays a regular, tax-free monthly income if you are unable to work due to any illness or injury that prevents you from doing your job. It's designed to replace your lost salary over a potentially long period.
The two policies work brilliantly together to create a comprehensive safety net.
How can a broker like WeCovr help me?
Using an independent broker like WeCovr provides several key advantages over going direct to an insurer. We work for you, not the insurance company. Our role is to:
- Compare the entire market: We access policies from all the UK's leading insurers to find the right cover at a competitive price.
- Provide expert advice: We decipher the jargon and explain the differences in policy definitions to ensure you get the quality of cover you need.
- Simplify the process: We assist you with the application forms to ensure they are completed accurately.
- Offer holistic planning: We provide crucial advice on things like placing your policy in trust, which can have significant benefits for your beneficiaries.
In short, we use our specialist expertise to save you time, money, and ensure you have a protection plan that will actually work when you need it most.
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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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!