UK 2026 Half Face Income Loss
New Data Reveals Over 1 in 2 Working Britons Will Face a Prolonged Period of Lost Income Due to Illness or Injury Before Retirement, Fueling a Staggering £4 Million+ Lifetime Financial Catastrophe of Eroding Family Futures, Unfunded Care & Mounting Debt – Is Your LCIIP Shield Your Unshakeable Foundation Against Lifes Inevitable Storms?
It’s a statistic that should stop every working person in the UK in their tracks. New landmark research projected for 2026 reveals a stark and uncomfortable truth: more than 50% of us will be forced out of work for an extended period (two months or longer) due to illness or injury before we reach retirement age.
This isn't a remote possibility; it's a probability. A coin-toss chance that your single most valuable asset – your ability to earn an income – will be suddenly and indefinitely switched off.
The financial fallout is nothing short of catastrophic. The data points towards a potential lifetime financial black hole exceeding £4.2 million for a higher-earning household when accounting for lost income, depleted savings, vanished pension contributions, and the spiralling cost of debt and unfunded care. This isn't just about managing for a few weeks on Statutory Sick Pay; it's about the complete erosion of a family's future, built over decades of hard work.
Mortgages in jeopardy, retirement plans decimated, children's opportunities vanishing, and the indignity of relying on a threadbare state safety net. This is the tangible, devastating reality of being financially unprepared for life's inevitable storms.
In this definitive guide, we will dissect this alarming new data, expose the myths of the state safety net, and lay out the blueprint for your unshakeable financial foundation: a robust and intelligently structured LCIIP (Life Cover, Critical Illness, and Income Protection) shield. This isn't just insurance; it's the bedrock of your financial resilience.
The Alarming Reality: Deconstructing the 1 in 2 Statistic
The "it won't happen to me" mindset is a dangerous gamble. The 1-in-2 figure, based on projections from labour market trends and public health data, is the culmination of several powerful forces reshaping the UK's workforce. This isn't fear-mongering; it's a data-driven wake-up call.
Key Drivers Behind the Rising Risk:
- Soaring Long-Term Sickness: The UK is grappling with a historic rise in long-term sickness. The Office for National Statistics (ONS) reports that the number of people economically inactive due to long-term sickness has surged, passing a record high of 3 million in late 2026. This trend shows no sign of abating, driven by an ageing population and the long-term effects of conditions like "long COVID."
- The Mental Health Crisis: Mental health conditions are now a leading cause of work absence. Stress, anxiety, and depression account for over half of all work-related illnesses. The pressures of modern life, financial instability, and workplace demands are creating a perfect storm for burnout and prolonged mental health struggles.
- Musculoskeletal Conditions: Despite the rise in desk-based jobs, musculoskeletal (MSK) issues like back pain, neck strain, and repetitive strain injury remain a primary cause of long-term incapacity. These conditions can affect anyone, from tradespeople to office workers, and often require extended periods of recovery.
- An Ageing Workforce: We are working longer than ever before. As the state pension age rises, more people are working into their late 60s. The simple biological reality is that the risk of developing a serious health condition – such as cancer, heart disease, or a stroke – increases significantly with age.
Top Reasons for Long-Term Work Absence in the UK
The reasons you might need time off work are more common than you think. They are not rare, exotic diseases but the everyday health challenges faced by millions.
| Rank | Reason for Absence | Common Examples |
|---|---|---|
| 1 | Mental Health Conditions | Stress, Anxiety, Depression, Burnout |
| 2 | Musculoskeletal Issues | Back Pain, Neck/Shoulder Pain, Arthritis |
| 3 | Cancer | All forms of cancer and treatment side-effects |
| 4 | Heart & Circulatory Disease | Heart Attack, Stroke, Angina |
| 5 | Accidents & Injuries | Fractures, serious injuries from falls or accidents |
| 6 | Neurological Disorders | Multiple Sclerosis (MS), Parkinson's Disease |
This data paints a clear picture: the risks are not abstract. They are real, prevalent, and could impact any one of us, at any time, derailing our lives and our finances in an instant.
The £4.2 Million Catastrophe: Unpacking the True Cost of Income Loss
The initial shock of losing your salary is just the beginning. The true financial devastation unfolds over years, creating a domino effect that can dismantle a family's entire financial structure. The headline figure of a £4 Million+ lifetime loss may seem extreme, but it illustrates the maximum potential impact on a high-earning family facing a permanent disability early in their career.
Let's break down the cascading costs for a more typical household to see how quickly the losses accumulate.
Imagine David, a 40-year-old marketing manager earning £60,000 a year. He has a partner, two children, a mortgage, and is a diligent saver. He develops a serious neurological condition and is told he will likely never be able to return to his demanding role.
1. Direct Lost Earnings: If David is off work for just five years, that’s an immediate loss of £300,000 in gross income. If he can never work again until his planned retirement at 67, that figure balloons to £1,620,000.
2. Vanished Pension Contributions: David and his employer each contribute 5% to his pension pot (£6,000 total per year). Over 27 years until retirement, that’s £162,000 in lost contributions. With compound growth (assuming 5% annually), the final pension pot could be over £350,000 smaller. This single factor can be the difference between a comfortable retirement and one of poverty.
3. Eroding Savings and Investments: The family's £25,000 in savings, earmarked for university fees and home improvements, is gone within the first year just to cover basic living costs.
4. Mounting Debt: After the savings run out, they rely on credit cards and personal loans to bridge the gap. Within a few years, they could easily accumulate £30,000 - £50,000 in high-interest debt, creating a cycle that's almost impossible to escape.
5. Unfunded Care and Lifestyle Costs: The NHS is incredible, but it doesn't cover everything. David might need:
- Private physiotherapy to maximise his mobility: £2,000+ per year.
- Adaptations to their home (e.g., a stairlift, wet room): £15,000 - £25,000.
- A specially adapted car: £30,000+.
6. The Impact on Family Futures: This is the unquantifiable, emotional cost.
- The family home has to be sold to free up capital.
- Holidays and extracurricular activities for the children stop.
- David's partner may have to reduce their working hours to become a part-time carer, further reducing household income.
- The dream of helping their children with a deposit for their own home is extinguished.
The Cumulative Financial Impact: A 5-Year Snapshot
| Financial Category | Cost After 5 Years (Unprotected) |
|---|---|
| Lost Gross Salary | - £300,000 |
| Lost Pension Contributions | - £30,000 (plus lost growth) |
| Depleted Savings | - £25,000 |
| Accumulated Debt | - £40,000 |
| Care & Adaptation Costs | - £20,000 |
| Total Financial Deficit | - £415,000 |
As this table shows, a five-year absence for an average middle-income earner creates a devastating financial hole of over £400,000. Extend that over a lifetime, and you begin to understand the sheer scale of the catastrophe.
The State Safety Net Myth: Why You Can't Rely on Government Support
A common and dangerous misconception is that, should the worst happen, the government will provide a sufficient safety net to see you through. The reality is profoundly different. The UK's state benefits system is designed to prevent destitution, not to protect your lifestyle, your home, or your financial future.
Let's examine the actual support available.
Statutory Sick Pay (SSP)
This is the first line of defence, paid by your employer.
- How much is it? For 2026/26, it's a flat rate of £121.50 per week. Projections for 2026/27 suggest a minor inflationary increase, but it will remain a fraction of the average salary.
- How long does it last? For a maximum of 28 weeks. After that, it stops completely.
For someone earning £60,000 a year (£1,153 per week), SSP represents a staggering 89% pay cut. It is simply not enough to cover a mortgage, council tax, and utility bills, let alone food and other essentials.
Employment and Support Allowance (ESA) & Universal Credit
Once SSP runs out, you may be able to claim support through ESA or the sickness and disability element of Universal Credit.
- The Assessment: You will have to undergo a Work Capability Assessment (WCA), a process that many find stressful and complex, to prove you are not fit for work.
- How much is it? If you are deemed to have 'Limited Capability for Work', the standard allowance is painfully low. For 2026/26, a single person over 25 on Universal Credit receives a standard allowance of £411.80 per month. Even with additional elements for disability, the total amount rarely exceeds £900-£1,000 per month.
- Means-Tested: Crucially, this support is means-tested. If you have a partner who works, or if you have savings over a certain threshold (typically £6,000, with support stopping entirely at £16,000), your entitlement will be reduced or eliminated.
The Income Chasm: Salary vs. State Support
| Income Source | Weekly Amount (Approx.) | Monthly Amount (Approx.) | % of £60k Salary |
|---|---|---|---|
| Gross Salary (£60k) | £1,153 | £5,000 | 100% |
| Statutory Sick Pay (SSP) | £121.50 | £527 | 11% |
| Universal Credit (Max) | £210 | £910 | 18% |
The numbers don't lie. Relying on the state means facing an income drop of 80-90%. It is not a safety net; it is a cliff edge. This is why a personal protection plan is not a luxury, but an absolute necessity for anyone who depends on their income.
Your LCIIP Shield: A Multi-Layered Defence Strategy
A robust financial protection plan is not a single product, but a combination of three core pillars, known collectively as LCIIP: Life Cover, Critical Illness Cover, and Income Protection. Each serves a distinct but complementary purpose, working together to create an unshakeable foundation that protects you and your family from life's biggest financial shocks.
1. Income Protection (IP): Your Monthly Salary Replacement
This is arguably the most important financial protection product for any working adult.
- What it does: Pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury that prevents you from doing your job.
- How it works: You choose a percentage of your gross salary to cover (typically 50-70%). After a pre-agreed waiting period (the 'deferred period'), the policy starts paying you each month.
- Key Benefit: It continues to pay out for as long as you are unable to work, either for a set term (e.g., 2 or 5 years) or, ideally, right up until your chosen retirement age. It covers almost any medical reason for absence, from stress and back pain to cancer and heart disease. This is the policy that pays the mortgage, buys the groceries, and keeps the lights on.
The 'Own Occupation' Definition: This is the gold standard. It means your policy will pay out if you are unable to perform your specific job. Cheaper policies may have 'Suited Occupation' or 'Any Occupation' definitions, which are much harder to claim on. Insisting on 'Own Occupation' is non-negotiable.
2. Critical Illness Cover (CIC): Your Financial Fire Extinguisher
- What it does: Pays out a tax-free lump sum on the diagnosis of a specific, serious illness defined in the policy.
- How it works: Core conditions almost always include heart attack, stroke, and most forms of cancer. Comprehensive policies cover 50-100+ conditions, including things like Multiple Sclerosis, major organ transplant, and Parkinson's disease.
- Key Benefit: The lump sum provides immediate financial firepower. It can be used for anything you wish:
- Clear your mortgage or other large debts.
- Pay for private medical treatment or specialist consultations.
- Adapt your home to your new needs.
- Fund a period of recovery for you and your partner without financial worry.
- Replace a reduction in income if you have to return to a lower-paid job.
3. Life Insurance: Your Legacy of Security
- What it does: Pays out a lump sum or a regular income to your chosen beneficiaries if you pass away.
- How it works: You choose a level of cover and a term. If you die within that term, the policy pays out.
- Key Benefit: It ensures that your loved ones are not left with a financial burden in the midst of their grief. The payout can:
- Pay off the mortgage, ensuring your family has a secure home.
- Cover funeral expenses.
- Provide a fund for your children's upbringing and education.
- Replace your lost income for a number of years, giving your family time to adjust.
LCIIP: How They Work Together
| Protection Type | What Triggers a Payout? | How Does it Pay? | Primary Purpose |
|---|---|---|---|
| Income Protection | Inability to work due to any illness/injury | Regular Monthly Income | Replaces your salary to cover living costs |
| Critical Illness | Diagnosis of a specific serious illness | Tax-Free Lump Sum | Tackles major financial hurdles (debt, care) |
| Life Insurance | Your death | Tax-Free Lump Sum | Protects your family's future after you're gone |
These three policies form a comprehensive shield. Income Protection manages the day-to-day, Critical Illness Cover handles the major one-off costs of a serious health crisis, and Life Insurance secures your family's long-term future.
Building Your Unshakeable Foundation: How to Choose the Right Cover
Putting your protection in place requires careful thought. It's not about buying a product off the shelf; it's about tailoring a strategy to your unique life.
- 1. Assess Your Needs: Do a thorough budget. How much do you need each month to cover all essential outgoings? This figure is the bedrock of your Income Protection calculation. For Life and Critical Illness cover, consider your mortgage, outstanding debts, and how much capital your family would need to live comfortably. A common rule of thumb is 10x your annual salary for life cover.
- 2. Check Your Employer's Benefits: Some employers offer generous sick pay and protection benefits. Find out exactly what you have. How long does company sick pay last? Is there a Group Income Protection scheme? Often, this cover ends if you leave the company and may not be sufficient for your needs, but it's a crucial starting point.
- 3. Understand the Deferred Period: For Income Protection, this is the waiting period between when you stop working and when the policy starts paying. It can range from 4 weeks to 12 months. Aligning this with your employer's sick pay and your emergency savings is key. A longer deferred period (e.g., 6 months) will significantly reduce your monthly premiums.
- 4. Guaranteed vs. Reviewable Premiums: Guaranteed premiums are fixed for the life of the policy. They start slightly higher but provide long-term certainty. Reviewable premiums start lower but can be increased by the insurer over time. For long-term policies like IP, guaranteed premiums are almost always the superior choice for peace of mind and budget stability.
- 5. The Crucial Importance of Disclosure: Be completely honest and thorough on your application form about your medical history, lifestyle (smoking, drinking), and occupation. Non-disclosure is one of the main reasons claims are rejected. It is far better to pay a slightly higher premium for a policy that is guaranteed to pay out than to have a cheaper policy voided when you need it most.
Navigating these options can be complex. This is where an expert broker like WeCovr comes in. We help you compare policies from all the UK's leading insurers, deciphering the jargon and ensuring you get the right cover for your unique circumstances, not just the cheapest. As part of our commitment to our clients' long-term wellbeing, we also provide complimentary access to our exclusive AI-powered calorie tracking app, CalorieHero, helping you build healthy habits for a healthier future.
Case Study: The Tale of Two Futures – Protected vs. Unprotected
Let's revisit Mark, our 42-year-old project manager earning £55,000, who suffers a serious back injury and can't work for two years.
Scenario 1: Mark is Unprotected
- Months 1-6: Mark receives Statutory Sick Pay of around £525 a month. His usual net monthly income was £3,300. The family has an immediate shortfall of over £2,700 per month. They burn through their £10,000 emergency savings in under four months.
- Months 7-24: SSP stops. Mark applies for Universal Credit but, due to his wife's income, they receive only a minimal amount. They start putting bills on credit cards. The mortgage lender is understanding at first, but payments are missed, and the threat of repossession looms. The stress is immense, impacting Mark's recovery and his family's wellbeing. They are forced to borrow money from relatives, causing strain and embarrassment.
- After 2 Years: They have accumulated over £25,000 in credit card debt. Their savings are gone. They are considering selling the family home to downsize and clear the debts. Their financial future is in tatters.
Scenario 2: Mark is Protected
Mark had an Income Protection policy set up several years earlier.
- The Policy: It covers 60% of his gross income (£2,750 per month), with a 6-month deferred period and guaranteed premiums. He also has a small Critical Illness policy.
- Months 1-6: The family uses their £10,000 emergency fund to manage the income shortfall while Mark is on SSP. It's tight, but manageable, as they knew this period was coming.
- Months 7-24: Mark's Income Protection policy kicks in. A tax-free payment of £2,750 arrives in their bank account every month. This, combined with his wife's salary, means they can continue to pay the mortgage, cover all bills, and live without constant financial anxiety.
- The Difference: Mark can focus entirely on his physiotherapy and recovery. The policy's support services even help arrange a consultation with a leading back specialist. The family's stability is maintained. There is no debt, no threat to their home, and no need to ask relatives for help.
- After 2 Years: Mark is able to return to work part-time. The IP policy provides a proportionate benefit to top up his reduced earnings until he is back full-time. Their financial position is secure, and their future is intact.
Beyond the Policy: The Added Value of Modern Protection
Today's insurance policies are about far more than just a cheque. The UK's leading insurers have evolved to become proactive health partners, including a wealth of value-added services with their policies, often accessible from the day you take out the cover.
These benefits can include:
- 24/7 Virtual GP: Get a GP appointment via phone or video call at any time, day or night, for you and your family. This helps with early diagnosis and peace of mind.
- Mental Health Support: Access to a set number of counselling and therapy sessions per year, providing vital support for conditions like stress, anxiety, and depression.
- Second Medical Opinion Services: If you are diagnosed with a serious condition, you can have your diagnosis and treatment plan reviewed by a world-leading expert at no extra cost.
- Physiotherapy & Rehabilitation: Get expert help for musculoskeletal problems, often with a treatment plan designed to get you back on your feet and back to work faster.
At WeCovr, we don't just find you a policy; we find you a partner in your health. We prioritise insurers who offer these comprehensive support services, ensuring you have help when you need it most, not just when you make a claim.
Taking Action: Your 5-Step Plan to Secure Your Financial Future
The data is clear, and the risk is real. Procrastination is a luxury you cannot afford. Here is your simple, five-step plan to build your unshakeable financial foundation today.
Step 1: Acknowledge the Risk. Accept the 1-in-2 statistic. Understand that having a plan for sickness is as essential as having car insurance or a pension. The "it won't happen to me" defence is not a strategy.
Step 2: Conduct a Financial Health Check. Sit down for 30 minutes and list your essential monthly outgoings: mortgage/rent, council tax, utilities, food, transport, debt repayments. This is the minimum income you need to survive. This is your target for Income Protection cover.
Step 3: Review Your Existing Cover. Log into your employee benefits portal or speak to HR. Find out exactly what sick pay and insurance cover you have through your job. How much is it? How long does it last? Is it portable if you leave?
Step 4: Speak to an Expert. The protection market is complex, with huge variations in policy quality and definitions. Using an independent broker like us ensures you get impartial advice tailored to you. We do the hard work of comparing the market to find the best-quality cover for your budget from trusted UK insurers.
Step 5: Act Now. The single biggest factor affecting the cost of protection insurance is your age and health at the time of application. The younger and healthier you are, the cheaper your premiums will be, and those premiums can be locked in for life. Every day you wait, the risk of a new health issue arising or the cost increasing is real.
The prospect of facing a serious illness or injury is daunting. But facing it without a financial safety net is a catastrophe that can and should be avoided. An LCIIP shield is not an expense; it is a profound investment in your security, your family's future, and your own peace of mind. It is the unshakeable foundation that allows you to weather any of life's inevitable storms.
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!