Thrive Unburdened: Your 2026 Growth Blueprint
As the calendar pages turn towards 2026, the air is thick with the promise of renewal and the pursuit of self-improvement. We map out our goals: mastering a new skill, climbing the career ladder, embracing a healthier lifestyle, or finally booking that dream trip. Yet, in this flurry of ambition, there lies an unwritten chapter, a foundational element often overlooked: proactive protection.
This isn't about fear; it's about empowerment. It's the quiet confidence that allows you to chase your biggest ambitions, knowing you have a robust safety net beneath you.
The Unwritten Chapter of Self-Improvement: Why Proactive Protection, from Income Security to Private Health Coverage, is Your Most Powerful Tool for Navigating 2026's Uncertainties and Achieving True Personal Growth.
True personal growth isn't built on a foundation of sand. It's impossible to fully commit to your aspirations when a part of your mind is consumed by the 'what ifs'. What if I get ill and can't work? What if my family couldn't cope financially without me? What if I face a long wait for essential medical treatment?
These aren't distant, abstract fears. They are the realities of an increasingly uncertain world. The true architecture of a thriving life in 2026 rests not just on ambition and action, but on a bedrock of security. This is where financial and health protection—from Income Protection and Critical Illness Cover to Life Insurance and Private Medical Insurance—transforms from a mundane financial product into the most powerful tool in your self-improvement arsenal. It's the freedom to build your best life, unburdened by the anxieties that can derail even the most carefully laid plans.
Redefining the Self-Improvement Pyramid: Maslow's Hierarchy for the Modern Briton
You may remember Abraham Maslow's Hierarchy of Needs from a psychology class. It's a pyramid structure illustrating human motivations. At the base are our fundamental physiological needs (food, water, shelter), followed by safety needs (security, health), love and belonging, esteem, and finally, self-actualisation at the very peak—achieving one's full potential.
In 2026, this classic model needs a modern interpretation. Our ability to meet those fundamental needs is almost entirely dependent on one thing: a consistent income. And our ability to maintain that income is intrinsically linked to our health.
Therefore, the 'Safety Needs' layer is more critical than ever. It's the financial and physical firewall that protects everything else. Without it, the entire pyramid becomes unstable. An unexpected illness or injury doesn't just affect your health; it threatens your income, your home, your family's stability, and ultimately, your capacity to pursue any form of growth or self-actualisation.
Proactive protection is how you fortify this crucial layer.
| Maslow's Hierarchy (Modern Interpretation) | How Proactive Protection Supports It |
|---|---|
| Self-Actualisation (Creativity, growth, pursuing your passion) | Frees up mental energy from financial worry to focus on big goals. |
| Esteem (Confidence, achievement, respect) | The confidence of knowing you have a plan for the unexpected. |
| Love & Belonging (Family, friends, community) | Protecting your loved ones from financial hardship. |
| Safety & Security (Health, employment, property, financial stability) | The core function of insurance: a safety net for your income and health. |
| Physiological Needs (Food, water, shelter, warmth) | Underpinned by the income that insurance products are designed to protect. |
By securing your safety needs with the right insurance, you are not just buying a policy; you are buying the freedom to confidently climb the pyramid towards your true potential.
Your Financial Fortress: A Deep Dive into Income Protection Insurance
Imagine your ability to earn an income is a tap that provides the water for your entire household to drink, wash, and grow. Now, what happens if that tap is suddenly turned off due to an illness or injury? Income Protection Insurance is the emergency reservoir that ensures the water keeps flowing.
It is, without a doubt, one of the most vital forms of protection for any working adult in the UK.
What is Income Protection?
Income Protection (IP) is a long-term insurance policy that provides a regular, tax-free replacement income if you are unable to work because of sickness or an accident. It pays out a percentage of your pre-tax earnings (typically 50-70%) until you can return to work, or until the policy term ends (often your planned retirement age).
The Stark Reality: Why Income Protection is Non-Negotiable
Many people believe they are covered by other means, but the reality is often grim.
- Statutory Sick Pay (SSP): The government's safety net is minimal. As of the 2026/26 tax year, it stands at just £120.85 per week, payable for a maximum of 28 weeks. This is simply not enough to cover the average household's essential outgoings.
- Employer Sick Pay: While some employers offer generous sick pay schemes, many do not. A typical scheme might offer full pay for a few weeks or months, followed by a period of half-pay, before ceasing altogether. According to a 2023 Chartered Institute of Personnel and Development (CIPD) report, the median sick pay provision is around 2-4 weeks of full pay.
- Savings: Relying on savings is a high-risk strategy. Data from the Office for National Statistics (ONS) consistently shows a significant portion of UK households have very little in liquid savings. A prolonged absence from work could wipe out a lifetime of savings in a matter of months.
Let's consider a real-world example:
Meet Alex, a 40-year-old marketing manager earning £50,000 a year. He suffers a serious back injury in a cycling accident and is signed off work for 18 months. His employer pays him for three months, then his pay stops. Without Income Protection, Alex would have to rely on his savings and the minimal SSP. His mortgage, bills, and family expenses would quickly become an overwhelming burden.
With Income Protection, after a three-month deferred period, Alex would start receiving around £2,500 per month, tax-free. This allows him to cover his essentials, focus on his recovery, and return to work without the added trauma of financial ruin.
Who Needs Income Protection the Most?
The short answer is: almost every working adult. However, it is especially critical for:
- The Self-Employed and Freelancers: You are your own safety net. If you don't work, you don't get paid. There is no employer sick pay to fall back on. IP is the ultimate financial backstop for entrepreneurs, contractors, and sole traders.
- Company Directors: You can arrange Executive Income Protection through your limited company. This is a highly tax-efficient solution, as the premiums are typically classed as an allowable business expense, meaning they are paid before corporation tax is calculated.
- Those with Dependants: If you have a partner, children, or anyone else who relies on your income, IP ensures they are not plunged into financial hardship if you are unable to work.
- Anyone with a Mortgage or Significant Debts: Your single biggest expense doesn't disappear just because your income does.
Understanding the Key Features
When considering IP, you'll encounter a few key terms. Understanding them is crucial to getting the right policy. At WeCovr, we help our clients navigate these choices to find a plan that perfectly matches their needs and budget.
| Feature | What it Means | Why it Matters |
|---|---|---|
| Deferred Period | The waiting period between when you stop working and when the policy starts paying out. | A longer period (e.g., 6 months) means lower premiums. You can align it with your employer's sick pay scheme or your savings buffer. |
| Level of Cover | The percentage of your gross income that the policy will pay out each month. | You want enough to cover your essential outgoings, but insurers cap it (usually 50-70%) to incentivise a return to work. |
| Term of Policy | How long the policy lasts. It can be a short term (e.g., 2-5 years per claim) or a long term (paying out until retirement age). | Long-term cover offers the most comprehensive protection against a career-ending illness or injury. |
| Definition of Incapacity | The criteria the insurer uses to decide if you are eligible to claim. | This is the most critical part of any policy. 'Own Occupation' is the gold standard – it pays out if you are unable to do your specific job. Avoid 'Any Occupation' cover if possible. |
Beyond the Paycheque: Securing Your Health with Critical Illness Cover and Private Medical Insurance
While Income Protection secures your monthly earnings, other forms of protection are designed to tackle the significant, often immediate, financial and health challenges that a serious illness can bring.
Critical Illness Cover (CIC): Your Financial First Responder
A serious diagnosis, such as cancer, a heart attack, or a stroke, is emotionally devastating. The last thing you or your family need is the added stress of financial turmoil.
- What is it? Critical Illness Cover pays out a one-off, tax-free lump sum if you are diagnosed with one of a list of specified serious medical conditions.
- How does it help? The lump sum is yours to use as you see fit. People often use it to:
- Pay off a mortgage or other large debts.
- Cover the cost of specialist private treatment or therapies.
- Adapt their home (e.g., install a ramp or stairlift).
- Allow a partner to take time off work to provide care.
- Replace lost income during a period of recovery, providing a financial cushion.
The chances of needing it are higher than you might think. Statistics from Cancer Research UK indicate that 1 in 2 people in the UK will be diagnosed with some form of cancer during their lifetime. While survival rates are improving dramatically, the journey often involves significant time off work and unforeseen costs.
The list of conditions covered varies widely between insurers. This is where expert advice is invaluable. At WeCovr, we compare policies from across the market, meticulously checking the definitions and the number of conditions covered to ensure you have robust protection.
Private Medical Insurance (PMI): Taking Control of Your Healthcare Journey
The NHS is a national treasure, but it is under unprecedented strain. The most recent data from NHS England reveals that waiting lists for routine treatments remain at historically high levels, with millions of people waiting for care.
This is where Private Medical Insurance (PMI) steps in, not as a replacement for the NHS, but as a powerful complement to it.
- What is it? PMI is an insurance policy that covers the costs of private healthcare, from consultations and diagnostic tests to surgery and treatment.
- The 'Why Now?' Factor: The primary driver for the surge in PMI interest is speed of access. Facing a potential wait of many months or even over a year for a hip replacement or cataract surgery on the NHS can have a profound impact on your quality of life and ability to work. PMI offers a route to prompt treatment.
- Key Benefits of PMI:
- Fast-track appointments: Get seen by a specialist quickly.
- Prompt diagnosis: Access to scans like MRI and CT without long waits.
- Choice: Select the hospital and consultant who will treat you.
- Comfort: A private room for your recovery.
- Advanced treatments: Access to certain drugs or procedures that may not be available on the NHS due to cost.
PMI empowers you to take control of your health journey, ensuring that if the worst happens, you can access the best possible care without delay.
Clarifying the Roles: A Quick Comparison
It's easy to get these products confused, but they serve distinct and complementary purposes.
| Protection Type | What it Does | Primary Purpose |
|---|---|---|
| Income Protection | Provides a regular monthly income if you can't work due to any illness or injury. | Replaces your lost salary to cover ongoing bills and living expenses. |
| Critical Illness Cover | Pays a one-off tax-free lump sum on diagnosis of a specified serious illness. | Tackles the immediate financial impact of a major health crisis (e.g., paying off a mortgage). |
| Private Medical Insurance | Covers the cost of private medical diagnosis and treatment. | Gives you fast access to healthcare, bypassing long waiting lists. |
A comprehensive protection plan often involves a combination of these, tailored to your individual needs, budget, and priorities.
The Ultimate Legacy: Life Insurance and Protecting Your Loved Ones
Life insurance is often misunderstood. It's not a product for you; it's an act of care for the people you would leave behind. It ensures that your financial legacy is one of security and opportunity, not debt and struggle.
This is particularly crucial for anyone with a mortgage, young children, or a partner who relies on their income. It provides a financial lifeline at the most difficult of times.
Choosing the Right Type of Life Insurance
- Level Term Assurance: You choose a lump sum amount (the 'sum assured') and a policy term (e.g., 25 years). If you pass away within that term, the policy pays out the fixed lump sum. This is ideal for covering an interest-only mortgage or providing a substantial sum for your family's future.
- Decreasing Term Assurance: The sum assured reduces over the policy term, typically in line with the outstanding balance of a repayment mortgage. As your debt decreases, so does the cover. This makes it a more affordable option specifically for mortgage protection.
- Family Income Benefit: This is a thoughtful alternative to a single lump sum. Instead of one large payment, the policy pays out a regular, tax-free monthly or annual income to your family for the remainder of the policy term. This can be easier for a grieving family to manage and helps replace your lost monthly income in a structured way.
Specialist Protection for Specific Goals
Life insurance isn't just for families and mortgages. It's a versatile tool for business owners and those planning their estates.
- Gift Inter Vivos Insurance: If you gift a significant asset (like property or cash) to someone, it may be subject to Inheritance Tax (IHT) if you pass away within seven years. A 'Gift Inter Vivos' policy is a specific type of life insurance designed to pay out a sum to cover this potential tax bill, ensuring your beneficiaries receive the full value of your gift.
- Key Person Insurance: This is essential for business owners and directors. It's a life insurance or critical illness policy taken out by the company on a crucial employee—perhaps a founder, a top salesperson, or a technical genius. If that person passes away or becomes seriously ill, the policy pays out to the business, providing funds to cover lost profits, recruit a replacement, or reassure lenders and investors. It protects the business from the devastating financial impact of losing its most valuable asset: its people.
Proactive Wellness: The Synergistic Link Between Health Habits and Insurability
Building your fortress of protection is not just about buying policies; it's also about actively reducing your risk. The healthier you are, the lower the risk you present to an insurer, which can translate directly into lower premiums. This creates a virtuous circle: healthy habits protect your well-being and your wallet.
Insurers assess your risk based on several factors, including your age, occupation, medical history, and lifestyle choices like smoking and alcohol consumption. Taking proactive steps to improve your health is a direct investment in your insurability.
Actionable Tips for a Healthier 2026 (and Lower Premiums)
- Nourish Your Body: A balanced diet rich in whole foods, fruits, vegetables, and lean proteins is fundamental. Reducing processed foods, excessive sugar, and saturated fats can lower your risk of developing chronic conditions like heart disease and type 2 diabetes.
- Move More: 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 improves cardiovascular health, manages weight, and is a powerful tool for mental well-being.
- Prioritise Sleep: Quality sleep is not a luxury; it's a biological necessity. Aim for 7-9 hours per night. Poor sleep is linked to a host of health issues, including a weakened immune system, high blood pressure, and mental health challenges. Create a relaxing bedtime routine and a screen-free bedroom environment.
- Manage Stress: Chronic stress can have a significant physical impact. Incorporate stress-management techniques into your daily life, such as mindfulness, meditation, yoga, or simply spending time in nature. Don't be afraid to seek support from a GP or therapist if you're struggling.
- Stop Smoking and Moderate Alcohol: This is one of the most impactful changes you can make. Smokers pay significantly more for protection insurance—often double or even triple what non-smokers pay. Reducing alcohol intake to within recommended guidelines also has profound health benefits.
At WeCovr, we believe in this synergy so much that we provide our clients with complimentary access to CalorieHero, our proprietary AI-powered calorie tracking app. It's our way of going above and beyond the policy, supporting your health journey and empowering you to take control of your well-being.
The WeCovr Advantage: Navigating the Maze with Expert Guidance
As you've seen, the world of protection insurance is complex. The policies are nuanced, the jargon can be confusing, and the stakes are incredibly high. Choosing the wrong policy or an inadequate level of cover can be as bad as having no cover at all.
This is why navigating the market alone can be a false economy. Using an expert, independent broker like WeCovr is the smartest step you can take.
Why Use a Broker?
- Expertise: We live and breathe this market. We understand the fine print, the differences in policy definitions, and which insurers are best for certain occupations or medical histories.
- Whole-of-Market Access: We are not tied to any single insurer. We compare policies and prices from all the major UK providers to find the most suitable and competitive options for you.
- Personalised Advice: We don't do "one-size-fits-all". Our process begins with listening. We take the time to understand your unique circumstances: your family, your career, your financial situation, and your future goals.
- Application Support: We handle the paperwork and guide you through the application process, which can be daunting. We also help with crucial steps like writing your policy into trust, which ensures the payout goes directly to your beneficiaries quickly and without being liable for inheritance tax.
Our mission is to replace confusion with clarity and anxiety with confidence. We act as your advocate, ensuring you get the right protection in place to build your life on a foundation of absolute security.
Your Blueprint for a Resilient 2026
The pursuit of self-improvement in 2026 should be bold, ambitious, and exciting. But true, sustainable growth requires a secure launchpad. Proactively protecting your income, your health, and your family is not a distraction from your goals; it is the single most important enabler of them.
It's the freedom to change careers, start a business, or simply enjoy life, knowing that you have a plan for life's inevitable uncertainties. It is the unwritten chapter of self-improvement that turns aspirations into reality.
Don't leave the foundation of your future to chance. Take control, eliminate the 'what ifs', and build your blueprint for a resilient, unburdened, and thriving 2026.
I have a pre-existing medical condition. Can I still get cover?
Yes, in many cases, you can. It's one of the most common concerns we address. The key is to be completely honest and upfront with the insurer during the application process. Depending on the condition, its severity, and how long ago you were treated, the insurer may:
- Offer cover at standard rates.
- Offer cover with a 'loading' (an increased premium).
- Offer cover with an 'exclusion' (meaning the policy won't pay out for claims related to that specific condition).
- In some rare cases, they may decline to offer cover.
This is where an expert broker is invaluable. We know which insurers have more lenient underwriting for certain conditions and can guide you to the provider most likely to offer you favourable terms.
How much cover do I actually need?
There is no single answer, as the right amount of cover is entirely personal. A good starting point is to conduct a budget analysis. For:
- Life Insurance: A common rule of thumb is to cover 10 times your annual salary. However, a more precise method is to calculate your outstanding debts (mortgage, loans), future family expenses (childcare, education), and funeral costs, and use that as your target sum.
- Income Protection: Your goal is to cover your essential monthly outgoings (mortgage/rent, utilities, food, transport). You should aim to cover the maximum percentage of your income that insurers allow (usually 50-70%).
- Critical Illness Cover: Consider a sum that could clear your major debts and provide a 1-2 year income buffer to allow you to recover without financial pressure.
Our advisors can walk you through this process to calculate a figure that gives you peace of mind without over-stretching your budget.
Isn't this kind of insurance just too expensive?
Protection insurance is often far more affordable than people think. The cost (premium) is based on several factors: your age, health, lifestyle (smoker vs. non-smoker), occupation, the amount of cover you need, and the length of the policy. For example, a healthy 30-year-old could secure significant life insurance cover for less than the cost of a few weekly coffees.
Furthermore, policies can be tailored to fit your budget. You can adjust the level of cover, the policy term, or the deferred period (for Income Protection) to make the premium affordable. The cost of having no protection in place when you need it is infinitely higher than the monthly premium.
Why shouldn't I just buy my insurance directly from an insurer's website?
While you can buy directly, there are significant disadvantages. When you go direct, you are only seeing one company's products and prices. You receive no advice on whether that product is truly suitable for your needs or if you could get better cover or a lower price elsewhere. The definitions and terms can be complex, and it's easy to make a costly mistake, like choosing a poor definition of incapacity on an income protection policy.
An independent broker like WeCovr works for you, not the insurer. We survey the entire market, provide expert, regulated advice on the best solution for your personal circumstances, and help you with the entire process from application to claim, all at no extra cost to you.
Is income protection insurance tax-deductible?
For personal policies paid for out of your post-tax income, the premiums are not tax-deductible. However, the crucial benefit is that any payout you receive from the policy is completely tax-free.
For company directors and some self-employed individuals, there is an alternative called Executive Income Protection. If this is paid for by your limited company, the premiums are generally considered an allowable business expense and are therefore tax-deductible for the business. However, any payout would then be paid to the company and distributed to you as salary, subject to income tax and National Insurance. We can advise on which structure is most appropriate for your situation.
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:
Our Group Is Proud To Have Issued 800,000+ Policies!
We've established collaboration agreements with leading insurance groups to create tailored coverage
How It Works
1. Complete a brief form
2. Our experts analyse your information and find you best quotes
3. Enjoy your protection!
Any questions?
Learn more
Who Are WeCovr?
WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!