Thrive Uninterrupted: The Unseen Foundation for Life's Journey
In an age where the latest health projections for 2025 indicate a staggering 1 in 2 individuals may face a cancer diagnosis in their lifetime, and unforeseen illness or accident can strike anyone, how resilient is your personal growth journey? Many meticulously plan their careers, invest in relationships, and cultivate well-being, yet often overlook the silent financial threats that can derail everything – from a skilled tradesperson's injured hand to a dedicated nurse's long-term illness. This crucial exploration unveils how intelligent financial protection – including Family Income Benefit, Income Protection, Life and Critical Illness Cover, specialized Personal Sick Pay tailored for vital professions like electricians, and strategic Gift Inter Vivos – transcends mere insurance to become the indispensable bedrock for uninterrupted ambition. Discover how private health insurance seamlessly complements this safety net, offering rapid access and essential choice when the public health system faces unprecedented strain, transforming potential health crises into manageable detours rather than devastating dead ends. This isn't about succumbing to fear; it's a powerful call to empowerment: designing a future where your deepest dreams, most cherished relationships, and fundamental well-being remain fiercely protected, allowing you to not merely survive, but truly thrive, no matter what challenges life throws your way.
We live in an era of unprecedented personal ambition. We meticulously craft career paths, nurture our relationships, invest in our mental and physical well-being, and chase dreams that span continents. Yet, this forward momentum rests on a fragile assumption: uninterrupted health and the ability to earn.
The reality, as highlighted by stark projections from leading health organisations like Cancer Research UK, is that our health is not guaranteed. An unexpected diagnosis, a sudden injury, or a prolonged period of illness can bring even the most carefully constructed life to a grinding halt. The primary shock is, of course, the health crisis itself. The secondary, and often more enduring, shock is the financial fallout.
This is where the narrative shifts from fear to foresight. Building a resilient life isn't about dwelling on what could go wrong; it's about proactively putting in place a foundation so robust that it can withstand life's seismic shocks. This foundation is a sophisticated and personalised financial safety net, designed not just for survival, but to ensure your journey of growth and ambition continues, uninterrupted.
The Modern Dilemma: Ambition vs. Uncertainty
Today's world presents a unique paradox. Opportunities for personal and professional growth have never been greater, yet the financial ground beneath our feet feels increasingly unstable. The rise of the gig economy and self-employment brings freedom but removes the traditional safety net of employee benefits. For everyone, the rising cost of living means that even a short period without income can have serious consequences.
A significant part of this uncertainty stems from a reliance on state support, which is often insufficient to cover a household's essential outgoings.
Statutory Sick Pay (SSP) vs. The Reality of UK Living Costs
| Item | Weekly Amount | Monthly Amount |
|---|---|---|
| Statutory Sick Pay (2025/26 Rate) | £116.75 | ~£506 |
| Average UK Household Expenditure (ONS data) | ~£670 | ~£2,900 |
| Average UK Rent (Private Sector) | ~£295 | ~£1,278 |
| Average UK Mortgage Payment | ~£300 | ~£1,300 |
Figures are illustrative, based on projections and recent data from the Office for National Statistics (ONS) and major property portals. SSP is the minimum an employer must pay.
The table above paints a clear picture: the state's provision is a lifeline, but it is not designed to support a family's lifestyle, cover a mortgage, or pay for weekly food shops. It barely scratches the surface. This gap is where financial vulnerability lies.
This vulnerability looks different for everyone:
- For the Electrician: A hand injury isn't just a minor inconvenience; it's a complete stop to their earning ability.
- For the IT Contractor: A period of severe burnout or mental health struggle means no projects, and therefore, no income.
- For the Nurse: The physical and emotional demands of the job can lead to long-term health issues, forcing an extended break from a career they love.
- For the Company Director: Their sudden absence due to illness can not only halt their personal income but also jeopardise the entire business.
Recognising these specific risks is the first step towards building a truly personalised defence. It's about transforming the "what if" anxiety into a "what's my plan" strategy.
Decoding Your Financial Armoury: A Guide to Protection Insurance
Understanding the tools available is crucial. Protection insurance isn't a single product; it's a suite of specialised solutions that can be combined to create a bespoke safety net. Think of it not as a one-size-fits-all helmet, but as custom-fitted armour, protecting your most vital assets: your income, your home, and your family's future.
Let's break down the core components.
1. Income Protection (IP): Your Personal Salary, When You Can't Earn
Often considered the cornerstone of any financial plan, Income Protection is arguably the most important policy you can own during your working life.
- What it is: A policy that pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury. It continues to pay out until you can return to work, your policy term ends (typically at retirement age), or you pass away.
- How it works:
- Level of Cover: You can typically cover 50-70% of your gross pre-tax income.
- Deferred Period: This is the waiting period from when you stop working to when the policy starts paying out. It can range from 4 weeks to 12 months. The longer the deferred period you choose, the lower your premium. You would align this with any sick pay you receive from your employer or your personal savings.
- Definition of Incapacity: Policies use different definitions. 'Own Occupation' is the gold standard – it means the policy will pay out if you are unable to do your specific job. Other definitions like 'Suited Occupation' or 'Any Occupation' are less comprehensive.
- Who it's for: Every single person whose lifestyle depends on their earned income. It is especially vital for the self-employed and freelancers who have no access to employer sick pay.
Example: Amelia, a 42-year-old marketing consultant, is diagnosed with a chronic back condition that prevents her from sitting at a desk for long periods. Her 'Own Occupation' Income Protection policy, which has a 13-week deferred period, kicks in after her savings run out. It pays her £2,500 a month, allowing her to cover her mortgage and bills whilst she focuses on her recovery and physiotherapy without financial stress.
2. Critical Illness Cover (CIC): Financial Firepower for Life's Biggest Battles
A serious illness diagnosis is emotionally devastating. The last thing you or your family need is the added burden of financial worry. Critical Illness Cover is designed to alleviate this pressure.
- What it is: A policy that pays out a one-off, tax-free lump sum if you are diagnosed with one of a specific list of serious medical conditions defined in the policy.
- What it's for: The lump sum is yours to use as you see fit. Common uses include:
- Clearing a mortgage or other major debts.
- Paying for private medical treatment or specialist consultations not available on the NHS.
- Adapting your home (e.g., installing a ramp or stairlift).
- Replacing lost income for you or a partner who takes time off to care for you.
- Simply providing a financial cushion to allow you to recover without stress.
- What it covers: Policies vary, but the "big three" – specific types of cancer, heart attack, and stroke – are almost always included. Comprehensive policies can cover over 50 defined conditions, including multiple sclerosis, major organ transplant, and Parkinson's disease.
Typical Conditions Covered: Standard vs. Enhanced CIC
| Condition Category | Standard Policies Often Cover | Enhanced Policies May Add |
|---|---|---|
| Cancer | Invasive cancers | Carcinoma in situ (early stage), skin cancer |
| Heart | Heart attack (of specified severity) | Angioplasty, specific heart valve surgery |
| Nervous System | Stroke, Multiple Sclerosis | Parkinson's, Motor Neurone Disease |
| Other | Kidney failure, major organ transplant | Severe burns, deafness, blindness, loss of limb |
It's vital to read the policy's Key Features Document to understand the precise definitions of the conditions covered.
3. Life Insurance (Life Protection): A Legacy of Security
Life insurance is perhaps the most well-known form of protection, providing peace of mind that your loved ones will be financially secure after you're gone.
- What it is: A policy that pays out a lump sum to your beneficiaries upon your death.
- Main Types:
- Level Term Assurance: The payout amount remains the same throughout the policy term. Ideal for covering an interest-only mortgage or providing a general family lump sum.
- Decreasing Term Assurance: The payout amount reduces over the term of the policy, broadly in line with a repayment mortgage. This makes it a cost-effective way to ensure your mortgage is always covered.
- Whole of Life: The policy is guaranteed to pay out whenever you die, as long as you've kept up with payments. Often used for Inheritance Tax (IHT) planning.
4. Family Income Benefit (FIB): A More Manageable Approach
For many, the idea of their family receiving a huge lump sum can be daunting. How should they invest it? Will it last? Family Income Benefit offers a more intuitive solution.
- What it is: A type of life insurance that, instead of a single lump sum, pays out a regular, tax-free income to your family. This income is paid from the time of your death until the end of the policy term.
- Why it's useful:
- It directly replaces the lost monthly income, making budgeting simple and intuitive for the surviving partner.
- It can feel more manageable than a large, intimidating lump sum.
- It is often significantly more affordable than a traditional life insurance policy with a comparable total payout.
Example: David, a father of two young children, takes out an FIB policy set to run for 20 years. It's designed to pay out £2,000 per month. If David were to pass away 5 years into the policy, his family would receive £2,000 every month for the remaining 15 years, helping them cover ongoing costs until the children are older.
Specialised Protection for Unique Professions and Circumstances
Whilst the core products above form the bedrock of protection, certain careers and life stages require more tailored solutions. This is where the market's innovation truly shines, offering specific cover for specific needs.
For the Hands-On Professional: Personal Sick Pay
For tradespeople, skilled workers, nurses, and anyone in a physically demanding role, even a short-term inability to work can be financially devastating.
- What it is: A type of short-term income protection, often with a very short or non-existent deferred period (sometimes called 'Day One' cover). It's designed to bridge the immediate gap before longer-term benefits or a return to work is possible.
- Key Differences from IP:
- Payment Term: Typically pays out for a maximum of 12 or 24 months per claim.
- Deferred Period: Can be as short as one day, one week, or four weeks.
- Underwriting: Can sometimes be simpler, with premiums based more on occupation risk than detailed medical history.
- Who it's for: Electricians, plumbers, builders, dentists, surgeons, hairdressers, and delivery drivers. Essentially, anyone who cannot work from a laptop if they break a leg or injure their back.
For the Business Leader: Executive and Director Protection
Company directors and business owners have unique responsibilities and opportunities when it comes to protection. Smart planning can protect both the business and the individual in a highly tax-efficient manner.
- Executive Income Protection: This is an income protection policy owned and paid for by the director's limited company.
- Benefits: The premiums are typically classed as a legitimate business expense, making them tax-deductible for the company. Benefits are paid to the company, which then distributes them to the director, usually via PAYE. It's a powerful way to attract and retain key staff.
- Key Person Insurance: This is life insurance or critical illness cover taken out by the business on a vital employee or director.
- Purpose: If that key person passes away or suffers a critical illness, the business receives a lump sum. This money can be used to recruit a replacement, cover lost profits, or reassure lenders and investors. It protects the business's continuity.
- Relevant Life Cover: A tax-efficient alternative to personal life insurance for directors and employees. The policy is paid for by the business but pays out directly to the individual's family, free from most taxes. It's a highly valued employee benefit that doesn't count towards annual pension allowances.
For the Estate Planner: Gift Inter Vivos
As you build wealth, you may wish to pass it on to the next generation. However, significant gifts can attract Inheritance Tax (IHT) if you pass away within seven years.
- What it is: A specific type of life insurance policy designed to cover this potential IHT liability. It's a form of decreasing term assurance where the potential payout reduces over seven years, mirroring the 'taper relief' of the IHT rules on gifts.
- How it works: If you gift £100,000 and pass away within 3 years, the full gift could be subject to 40% IHT (£40,000). A Gift Inter Vivos policy would pay out this amount to your estate to settle the tax bill, ensuring your beneficiaries receive the full gift as intended.
The Synergistic Role of Private Health Insurance (PHI)
With the NHS facing unprecedented pressure and waiting lists for certain treatments stretching for months or even years, having another option is becoming increasingly important. This is where Private Health Insurance (PHI), also known as Private Medical Insurance (PMI), fits in.
It is crucial to understand that PHI is not the same as income protection or critical illness cover.
- PHI pays for the cost of private medical treatment.
- IP and CIC provide you with money to live on and handle financial disruption.
They are two different but highly complementary parts of a resilient health and wealth strategy.
How Protection and Health Insurance Work Together
| Policy | What It Does | Example Scenario |
|---|---|---|
| Private Health Insurance (PHI) | Pays for private diagnosis (scans, tests) and treatment (surgery, therapy). | Gets you a quick diagnosis for persistent knee pain and covers the cost of private knee surgery within weeks. |
| Income Protection (IP) | Replaces your lost monthly salary whilst you are off work recovering. | Pays your mortgage and bills during the 6 weeks you are off work recovering from the knee surgery. |
| Critical Illness Cover (CIC) | Pays a one-off tax-free lump sum on diagnosis of a serious specified illness. | If you were diagnosed with cancer, it could pay off your mortgage, allowing you to focus 100% on your recovery. |
The benefits of PHI are clear:
- Speed: Bypass long NHS waiting lists for consultations, diagnostics, and elective surgery.
- Choice: Choose your surgeon, specialist, and hospital.
- Comfort: Access to private rooms and more flexible visiting hours.
- Access: Potential to access specialist drugs or treatments that may not be available on the NHS due to funding constraints.
When you have a financial safety net from protection insurance, you have the freedom to fully leverage the benefits of private healthcare without worrying about your household finances.
Beyond the Policy: Cultivating a Lifestyle of Resilience
Whilst insurance provides a financial backstop, the ultimate goal is to live a long, healthy, and fulfilling life. A proactive approach to well-being is the first line of defence, reducing the risk of ever needing to claim.
- Nourish Your Body: A balanced diet rich in fruit, vegetables, and whole grains is scientifically linked to a lower risk of many conditions, including heart disease and certain cancers. Small, consistent changes are more effective than drastic diets.
- Move Every Day: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This doesn't have to mean the gym; brisk walking, cycling, and even vigorous gardening all count. Regular exercise is a powerful tool for both physical and mental health.
- Prioritise Sleep: Quality sleep is not a luxury; it's essential for cognitive function, emotional regulation, and physical repair. Aim for 7-9 hours per night and practice good sleep hygiene.
- Manage Stress: Chronic stress can have a significant impact on your physical health. Find healthy coping mechanisms that work for you, whether it's mindfulness, yoga, spending time in nature, or connecting with friends.
At WeCovr, we believe in this holistic approach. That's why, in addition to helping our clients secure the best financial protection, we also provide them with complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. We see it as part of our commitment to your overall well-being, helping you make informed choices that support a healthier lifestyle long-term.
Taking Control: How to Build Your Personalised Safety Net
Feeling empowered to act is the final, most important step. Building your financial foundation doesn't have to be complicated.
- Conduct a Financial Health Check: Start by understanding your position. What are your essential monthly outgoings (mortgage/rent, bills, food, travel)? What employer sick pay are you entitled to, and for how long? How much do you have in accessible savings? This will reveal your 'protection gap'.
- Define Your Priorities: What are you most concerned about protecting? Is it ensuring the mortgage is paid? Is it replacing your specific income? Is it leaving a legacy for your children? Your priorities will determine the right mix of cover.
- Explore Your Options, But Don't Go It Alone: The protection market is vast and complex. Policies that look similar on the surface can have critical differences in their definitions and exclusions. This is where independent, expert advice is invaluable.
As specialist protection brokers, we at WeCovr live and breathe this market. Our role is to act as your expert guide. We take the time to understand your unique circumstances, your profession, your family, and your budget. We then search the entire market, comparing policies from all the UK's leading insurers to find the most suitable and cost-effective solutions. We handle the paperwork and ensure you understand exactly what you are covered for, giving you complete confidence and peace of mind.
Conclusion: From Financial Plan to Life's Foundation
Viewing life insurance, critical illness cover, and income protection merely as "insurance" misses the point. They are not simply products you buy in case of disaster. They are the tools you use to build a platform of absolute certainty in an uncertain world.
This platform is the unseen foundation that supports your every ambition. It's the quiet confidence that allows you to take a calculated career risk, start a business, or invest in your passions, knowing that a health-related setback won't mean financial ruin. It’s the peace of mind that allows you to be fully present with your loved ones, free from the nagging anxiety of "what if?".
Protecting your income and your family's future is not a concession to fear. It is the ultimate act of empowerment. It is the deliberate, intelligent design of a future where you and your loved ones are free to not just survive life's challenges, but to truly and uninterruptedly thrive.
Do I still need protection insurance if I'm single with no dependents?
What is the difference between Critical Illness Cover and Terminal Illness Benefit?
Critical Illness Cover pays out a lump sum on the diagnosis of a specific condition listed in the policy (e.g., a heart attack, cancer, stroke), from which you may well recover.
Terminal Illness Benefit is often included as standard with most life insurance policies. It allows the policy to pay out the life insurance lump sum early if you are diagnosed with a condition that is expected to lead to death within 12 months. It is an early payment of a death benefit, not a separate cover for getting ill.
Is income protection tax-deductible?
- Personal Income Protection: If you pay for the policy from your personal, post-tax income, the monthly benefit you receive if you claim is completely tax-free.
- Executive Income Protection: If your limited company pays the premiums, the company can usually claim these as a business expense against corporation tax. The benefit is then paid to the company, which typically pays it to you as a salary via PAYE, meaning it is subject to income tax and National Insurance.
How do insurers assess my risk for policies like Personal Sick Pay?
- Your Age: Risk generally increases with age.
- Your Health & Lifestyle: Including your smoker status, BMI, and medical history.
- The Deferred Period: A longer waiting period (e.g., 4 weeks vs. 1 week) will result in a lower premium.
- The Level of Cover: The higher the monthly benefit, the higher the premium.
Why should I use a broker like WeCovr instead of going directly to an insurer?
- Whole-of-Market Access: A single insurer can only offer you their own products. We compare plans from all the UK's leading insurers to find the best policy for your specific needs, not just the best policy from one company's range.
- Expertise in the Small Print: The value of a policy is in its definitions. We understand the crucial differences between an 'Own Occupation' income protection policy and an 'Any Occupation' one, or why one critical illness policy is superior to another. This expertise is vital at the point of claim.
- Personalised Advice: We don't just sell policies; we help you build a comprehensive protection strategy. We take the time to understand your finances, family, and profession to recommend a tailored solution, often combining different types of cover for the most effective and affordable result.
- Support with the Application and Claims: We help you complete the application forms correctly to ensure your cover is valid and can provide invaluable assistance if you ever need to make a claim.
Related guides
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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Who Are WeCovr?
WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!