Thrive: The Proactive Protection Playbook
Unleash Your Full Potential: Discover how a proactive suite of financial safeguards – from Family Income Benefit and Income Protection to Life and Critical Illness Cover, specialized Personal Sick Pay for our tradespeople and frontline nurses, and forward-thinking Gift Inter Vivos – transforms uncertainty into your ultimate growth catalyst. Amidst 2025's evolving health landscape, where 1 in 2 face cancer, learn how this vital protection, alongside the strategic advantage of private health insurance, empowers profound personal development, fortifies relationships, and ensures a life lived with purpose, not worry.
For too long, the conversation around insurance has been framed by fear. It's been seen as a necessary evil, a cost associated with the worst-case scenario. But what if we reframed that entirely? What if, instead of being a defence against disaster, a robust protection strategy was the very foundation upon which you build your most ambitious life?
This isn't about dwelling on what could go wrong. It's about creating the certainty and peace of mind required to make things go right. It’s about having the confidence to change careers, start a business, grow your family, or pursue a passion project, knowing that the financial bedrock beneath you and your loved ones is solid. This is the proactive protection playbook – a guide to transforming financial shields into launchpads for personal and professional growth.
The 2025 Reality Check: Why Proactive Protection is No Longer a 'Nice-to-Have'
To understand the power of proactive protection, we must first acknowledge the world we live in. The UK in 2025 presents a unique combination of health challenges, economic pressures, and evolving work patterns that make a 'wait and see' approach to financial security incredibly risky.
The Health Landscape:
- The Sobering Cancer Statistic: Cancer Research UK's long-standing projection that 1 in 2 people in the UK born after 1960 will be diagnosed with some form of cancer in their lifetime is a stark reminder of our vulnerability. While survival rates are improving, a diagnosis often brings a significant financial as well as physical and emotional burden.
- Rising Chronic Conditions: Beyond cancer, millions in the UK live with long-term conditions like heart disease, diabetes, and musculoskeletal issues. Data from the Office for National Statistics (ONS) consistently shows a rise in long-term sickness impacting the workforce, with a record number of people economically inactive due to health reasons.
- NHS Pressures: While we are all profoundly grateful for the NHS, record-high waiting lists for consultations, diagnostics, and treatments are a well-documented reality. The British Medical Association reports that delays can turn manageable conditions into chronic problems, extending time off work and impacting quality of life.
The Financial Environment:
- The Statutory Sick Pay (SSP) Gap: The government's SSP is a safety net, but a very basic one. At just over £116 per week (2024/25 rate, check for 2025 updates), it is rarely enough to cover essential household outgoings like mortgages, rent, and bills.
- The Savings Buffer is Thin: According to the Financial Conduct Authority's Financial Lives survey, a significant portion of UK adults have low financial resilience. Many have less than £1,000 in savings, meaning an unexpected illness could trigger a financial crisis within a matter of weeks.
The Changing World of Work: The rise of the gig economy, freelancing, and small business ownership means more people than ever are operating without the safety net of employee benefits. For the UK's millions of self-employed individuals, if you don't work, you don't get paid. There is no SSP safety net unless you pay specific National Insurance contributions, and even then, it's minimal.
This isn't a picture of doom and gloom. It's a call to action. It's the 'why' behind building your proactive protection playbook. By addressing these realities head-on, you seize control, removing the power of the 'what if' and replacing it with the confidence of 'even if'.
The Core Pillars: Your Essential Financial Safeguards
Think of these policies as the foundational pillars of your financial fortress. Each serves a distinct purpose, and together they create a comprehensive shield that protects you and your loved ones from life's most challenging financial shocks.
1. Income Protection: The Cornerstone of Your Financial Plan
If you could only choose one policy, this would arguably be it. 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.
- How it Works: You choose a monthly benefit amount (typically 50-70% of your gross salary), and a 'deferment period' (the time you wait before payments start, e.g., 4, 13, 26, or 52 weeks). If you become incapacitated and can't work, after your deferment period ends, the policy pays you a tax-free monthly income. These payments can continue until you're well enough to return to work, or until your chosen retirement age.
- Who It's For: Every single person who relies on their income to live. This is especially critical for the self-employed, freelancers, and those in jobs with limited sick pay.
- The 'Thrive' Factor: IP isn't just about paying the bills when you're sick. It's the ultimate career enabler. It gives you the confidence to go freelance, take a commission-only role, or start a business, knowing your personal financial obligations are covered. It allows you to focus 100% on your recovery, without the stress of rushing back to work before you're ready.
2. Life Insurance: The Legacy of Love and Security
Life insurance provides a financial payout upon your death. It's a selfless purchase, designed to protect the people you leave behind from financial hardship at the most difficult of times.
There are two main types to consider:
| Type of Life Insurance | How It Works | Best For | The 'Thrive' Factor |
|---|---|---|---|
| Term Life Insurance | Provides cover for a fixed period (the 'term'), e.g., 25 years. It pays out a lump sum if you die within this term. | Covering large debts with an end date, like a mortgage. Protecting your family during the years your children are financially dependent. | Allows you to take on a mortgage and build a family home with confidence, knowing the debt won't be a burden on your partner if the worst happens. |
| Whole of Life Insurance | Provides cover for your entire life, guaranteeing a payout whenever you die. | Covering an expected Inheritance Tax (IHT) bill, providing a legacy for loved ones, or covering funeral costs. | Ensures you can pass on the maximum value of your estate to the next generation, funding their education, dreams, or first home deposit. |
3. Critical Illness Cover (CIC): Financial Breathing Space When You Need It Most
A critical illness diagnosis is life-altering. Critical Illness Cover is designed to lessen the financial blow by paying out a tax-free lump sum if you are diagnosed with one of a list of predefined serious conditions.
- What It Covers: Policies typically cover dozens of conditions, with the most common claims being for cancer, heart attack, and stroke. Other conditions often include multiple sclerosis, major organ transplant, and Parkinson's disease.
- How It Can Be Used: The lump sum is yours to use as you see fit. It could pay off your mortgage, cover the cost of private treatment, adapt your home, replace lost income for you or a partner who becomes your carer, or simply give you the financial freedom to take a year off to recover and reassess your life.
- The 'Thrive' Factor: CIC buys you time and options. It removes immediate financial pressure, allowing you to make life choices based on your health and wellbeing, not your bank balance. It could be the difference between a stressful recovery and a period of healing and re-evaluation.
4. Family Income Benefit: A Smarter Way to Protect Your Family's Lifestyle
For many, the idea of a huge lump-sum life insurance payout can be daunting. How much is enough? How would my partner manage it? Family Income Benefit (FIB) offers a more intuitive and often more affordable alternative.
- How it Works: Instead of a single lump sum, FIB pays out a regular, tax-free monthly or annual income to your family if you die. This income is paid from the time of the claim until the end of the policy term. For example, if you took out a 25-year policy and died in year 5, your family would receive an income for the remaining 20 years.
- Who It's For: Perfect for young families looking to replace the deceased parent's monthly contribution to the household budget in a manageable way. It directly covers the day-to-day cost of living, from school fees and clubs to groceries and holidays.
- The 'Thrive' Factor: FIB provides stability and normality during a time of immense upheaval. It ensures your children's lives can continue with as little disruption as possible, and it removes the pressure on the surviving partner to manage a large, intimidating lump sum while grieving.
Tailored Protection for the Modern UK Workforce
A one-size-fits-all approach to protection doesn't work in 2025. Your profession, employment status, and business interests demand a more nuanced strategy.
For Our Indispensable Tradespeople, Nurses & Frontline Workers: Personal Sick Pay
Standard Income Protection is fantastic, but the typical deferment periods (e.g., 3-6 months) might not be suitable for those in physically demanding roles where a shorter-term injury can mean an immediate loss of income.
This is where Personal Sick Pay (often called Accident, Sickness & Unemployment cover) comes in.
- Key Differences: These policies are specifically designed for manual workers, tradespeople (electricians, plumbers, builders), and frontline staff like nurses. They often have much shorter deferment options, sometimes from 'day one' or 'week one', providing a faster financial response. While the benefit period might be shorter (e.g., 12 or 24 months per claim) than a full IP policy, they are a crucial lifeline for short-to-medium term incapacity.
- Why It's Vital: A self-employed electrician who breaks a wrist can't work. A nurse on a zero-hours contract who contracts a serious infection has no income. Personal Sick Pay bridges this immediate financial gap, preventing a minor injury from becoming a major debt problem.
For the Trailblazing Self-Employed & Freelancers
For the 4.2 million-plus self-employed people in the UK (according to the ONS), you are the CEO, the finance department, and the entire workforce. There is no safety net but the one you build yourself.
- Your Non-Negotiable: Income Protection is not optional; it is the absolute foundation of your financial resilience.
- Your Health is Your Business: Critical Illness Cover and Private Health Insurance (more on this later) become business continuity tools, ensuring a health scare doesn't derail your entire enterprise.
- Thinking Ahead: A pension is vital, but life insurance ensures your partner isn't left with business debts or a sudden loss of the household's primary income.
At WeCovr, we specialise in helping freelancers and the self-employed navigate these choices. We understand the unique challenges and can compare policies from across the market to find cover that fits your fluctuating income and specific needs.
For Visionary Company Directors & Business Owners
When you own a business, your responsibilities extend beyond your own family. The livelihoods of your employees and the future of the company you've built are also at stake. Business protection insurance is how you safeguard that legacy.
Here’s a breakdown of the key tools for directors:
| Protection Type | What It Does | Why It's a 'Thrive' Tool for Your Business |
|---|---|---|
| Key Person Insurance | A policy taken out by the business on the life/health of a crucial employee (e.g., a top salesperson, a technical genius, or you). It pays a lump sum to the business if that person dies or suffers a critical illness. | It provides the capital to recruit a replacement, cover lost profits during the transition, or reassure lenders and investors. It turns a potential catastrophe into a manageable business challenge. |
| Relevant Life Plan | A tax-efficient life insurance policy for an individual director or employee, paid for by the company. It's written in trust to the employee's family. | It's a highly valued employee benefit that can attract and retain top talent. For the director, it's a way to get life cover without paying for it from their personal, post-tax income. Premiums are typically an allowable business expense. |
| Executive Income Protection | Similar to a personal IP policy, but it's owned and paid for by the business. It pays a replacement income to the business, which can then be paid to the incapacitated director/employee via PAYE. | It protects the business from the cost of continuing to pay a key person who isn't working. It's a tax-efficient way to provide generous sick pay, fostering loyalty and demonstrating that you value your people's wellbeing. |
These strategies are not just about risk management; they are about building a resilient, attractive, and sustainable business.
Advanced Plays: Securing Your Legacy and Supercharging Your Health
Once the core pillars are in place, you can move on to more advanced strategies that fine-tune your financial plan and proactively enhance your wellbeing.
The Inheritance Tax Shield: Gift Inter Vivos Insurance
Inheritance Tax (IHT) is a tax on the estate (the property, money, and possessions) of someone who's died. In the UK, if your estate is valued above a certain threshold (£325,000 in 2025), a 40% tax may apply to the excess.
One common way to reduce a future IHT bill is to gift assets (cash, property) during your lifetime. However, there's a catch: the '7-year rule'.
- How it Works: If you give a gift and then die within 7 years, that gift may still be considered part of your estate for IHT purposes. The amount of tax due on the gift reduces on a sliding scale between years 3 and 7 (this is called 'taper relief').
- The Insurance Solution: A Gift Inter Vivos policy is a special type of life insurance designed to cover this potential IHT liability. It's a term insurance policy, often with a decreasing benefit that mirrors the reducing tax liability over the 7-year period. If you die within the 7 years, the policy pays out to cover the tax bill, ensuring your beneficiaries receive the full value of the gift you intended.
- The 'Thrive' Factor: This forward-thinking policy allows you to enjoy the process of giving to your loved ones now—perhaps helping with a house deposit or university fees—without the worry that a tax bill will claw back a huge chunk of it later. It’s about ensuring your generosity has its full intended impact.
The Ultimate Proactive Tool: Private Health Insurance (PMI)
While the other policies in this playbook are financial responses to health events, Private Health Insurance (PMI) is a tool to proactively manage your health itself. In the context of 2025's NHS pressures, its value has never been clearer.
PMI isn't about being 'anti-NHS'. It's about working in partnership with it to give you more control, speed, and choice.
The PMI Advantage:
- Speed of Diagnosis & Treatment: This is the most significant benefit. Bypassing long waiting lists for specialist consultations, scans (MRI, CT), and elective surgery can lead to faster diagnosis, better outcomes, and a quicker return to work and life.
- Choice & Control: You can often choose your specialist, consultant, and the hospital where you're treated, giving you a greater sense of control over your healthcare journey.
- Access to Advanced Treatments: Some PMI policies provide access to new drugs or treatments that may not yet be available on the NHS due to cost or NICE approval delays.
- Enhanced Mental Health Support: Many modern PMI plans offer exceptional, fast-track access to mental health services, from counselling to psychiatric care, which can be invaluable for managing stress, anxiety, and burnout.
- Comfort & Privacy: A private room, flexible visiting hours, and other comforts can make a significant difference to your recovery experience.
PMI transforms you from a passive patient into an active, empowered manager of your own health. It's the ultimate investment in your most important asset: you.
Beyond the Policy: The Wellness Dividend and the WeCovr Commitment
The true power of a proactive protection strategy extends far beyond the financial payouts. The greatest benefit is often the daily, lived experience of peace of mind.
This 'Wellness Dividend' is the mental capacity that's freed up when you're not consumed by financial anxiety. It's the freedom to focus on your career, your relationships, and your personal growth. It's the confidence to live a bigger, bolder life.
Modern insurers recognise this and increasingly include value-added benefits designed to support your wellbeing proactively:
- 24/7 Virtual GP services
- Second medical opinion services
- Mental health support lines and apps
- Discounted gym memberships and fitness trackers
- Nutrition and wellness coaching
At WeCovr, we believe in going a step further. We understand that proactive protection starts with proactive health. That's why we provide our valued clients with complimentary access to our proprietary AI-powered calorie and nutrition tracking app, CalorieHero. It’s a tangible tool to help you take control of your health and wellbeing, demonstrating our commitment to your long-term thriving, not just your financial security.
Building Your Personal Protection Playbook: A Step-by-Step Guide
Feeling overwhelmed? Don't be. Building your playbook is a logical process.
- Assess Your Situation: What are your biggest financial risks? Consider your dependents, mortgage, debts, income, and profession. What would happen if your income stopped tomorrow?
- Review What You Already Have: Check your employee benefits. Do you have any death-in-service or sick pay? Is it enough? Don't assume; get the details in writing.
- Prioritise Your Needs: You might not be able to afford every type of cover at once. Use the information in this guide to decide what's most important for you right now. Income Protection is often the top priority for earners.
- Set a Realistic Budget: Protection is more affordable than you think, especially when you're young and healthy. Decide what you can comfortably afford each month. Some cover is infinitely better than no cover.
- Seek Independent, Expert Advice: This is the most crucial step. The protection market is complex, with dozens of providers and subtle differences between policies. An expert broker like WeCovr can be your guide. We don't work for an insurance company; we work for you. Our role is to understand your unique circumstances and search the entire market to find the most suitable and cost-effective solutions for your personal playbook.
Which Protection is Right for Your Life Stage?
This table provides a general guide, but your personal circumstances are always unique.
| Life Stage | Primary Focus | Key Protection Products to Consider |
|---|---|---|
| Young Professional / Renter | Protecting your income and future insurability. | Income Protection, Personal Sick Pay (if in a trade). |
| First-Time Homebuyer | Protecting the mortgage. | Decreasing Term Life Insurance, Critical Illness Cover, Income Protection. |
| New Family | Protecting your partner and children's lifestyle. | Level Term Life Insurance, Family Income Benefit, Critical Illness Cover, Income Protection. |
| Self-Employed / Business Owner | Protecting personal income and business continuity. | Income Protection, Critical Illness, Relevant Life, Key Person, Private Health Insurance. |
| Nearing Retirement | Legacy planning and protecting assets. | Whole of Life Insurance, Gift Inter Vivos Insurance. |
Conclusion: From Defence to Offence, from Worry to Purpose
The Proactive Protection Playbook is a fundamental mindset shift. It’s about viewing insurance not as a cost, but as the single best investment you can make in your own potential.
By systematically removing the threat of financial devastation from the equation, you create a platform of stability. From this platform, you are free to climb higher, take calculated risks, and focus your energy on what truly matters: building a business, raising a family, pursuing your passions, and living a life defined by purpose, not by worry.
In 2025, uncertainty is a given. But with a proactive suite of financial safeguards, it no longer has to be a source of fear. It can be your ultimate growth catalyst. It's time to stop just protecting your life and start empowering it.
What is the difference between Income Protection and Critical Illness Cover?
- Income Protection (IP) pays you a regular, monthly income if you cannot work due to any illness or injury that your doctor signs you off for. It's designed to replace your salary. The trigger is your inability to do your job.
- Critical Illness Cover (CIC) pays you a one-off, tax-free lump sum if you are diagnosed with a specific serious illness listed on your policy. The trigger is the diagnosis itself, regardless of whether you can work or not.
I'm single with no children or mortgage. Do I really need any protection?
For this reason, Income Protection is arguably even more crucial when you're single, as you have no partner's income to fall back on. Getting cover while you are young and healthy is also the cheapest it will ever be, locking in your health status for the future.
I have a pre-existing medical condition. Can I still get cover?
- Offer you cover on standard terms.
- Offer you cover but with an 'exclusion' for your specific condition.
- Offer you cover but with an increased premium (a 'loading').
- In some cases, they may decline to offer cover.
How much does this type of insurance cost?
- The type and amount of cover: A £500,000 life insurance policy will cost more than a £100,000 one.
- Your age: The younger you are when you apply, the cheaper it is.
- Your health and lifestyle: Insurers ask about your medical history, whether you smoke, and your alcohol consumption.
- Your occupation: A desk-based job is lower risk than a construction worker, which will be reflected in Income Protection premiums.
- Policy term and features: A 10-year term is cheaper than a 30-year term. For IP, a longer deferment period makes the policy cheaper.
Why should I use a broker like WeCovr instead of going direct to an insurer?
- Whole-of-Market Access: We can compare policies and prices from a huge range of UK insurers, not just one. This ensures you get the best value and the right policy for you.
- Expert Guidance: We are specialists in this field. We can explain the jargon, highlight crucial differences in policy wording that you might miss, and advise on the right level of cover.
- Help with Applications: We can help you complete the application forms correctly, which is especially helpful if you have a complex medical history.
- Trust Support: We can help you place your life insurance policy into trust, which ensures the payout goes to the right people quickly and is usually outside of your estate for Inheritance Tax purposes. This service is often free.
- No Fee: Our service is free for you to use. We are paid a commission by the insurer you choose. Our focus is entirely on finding the best outcome for you, our client.
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!