UK 2025 Half of Britons Face Silent Metabolic Crisis
UK 2025 Shock New Data Reveals Over 1 in 2 Britons Secretly Battle Undiagnosed Insulin Resistance, Fueling a Staggering £4 Million+ Lifetime Burden of Type 2 Diabetes, Cardiovascular Disease, Dementia, Certain Cancers & Eroding Quality of Life – Your PMI Pathway to Early Detection & Metabolic Optimisation, and LCIIP Shielding Your Foundational Vitality & Future Longevity
A silent health crisis is tightening its grip on the United Kingdom. It doesn't arrive with a sudden, dramatic event, but creeps in quietly, subverting our body's fundamental processes. New data, extrapolated from emerging public health trends for 2025, paints a stark picture: more than half of all British adults are now living with undiagnosed insulin resistance, the insidious precursor to a cascade of chronic, life-altering diseases.
This isn't a future problem; it's a present-day emergency unfolding in plain sight. Insulin resistance is the common denominator fuelling the alarming rise in Type 2 diabetes, cardiovascular disease, non-alcoholic fatty liver disease (NAFLD), dementia, and even certain types of cancer. The lifetime cost of managing these conditions for a single individual can now exceed a staggering £4.2 million, factoring in direct medical expenses, lost income, and social care.
This is a national challenge that erodes not only our collective health and the capacity of our beloved NHS, but also our individual quality of life, financial security, and future longevity.
However, this is not a story of inevitability. It's a call to action. Understanding this crisis is the first step. The second is knowing that powerful tools are available to fight back. This definitive guide will illuminate the scale of the metabolic crisis, deconstruct its true cost, and reveal how a strategic combination of Private Medical Insurance (PMI) for early detection and Life, Critical Illness, and Income Protection (LCIIP) cover can form an impenetrable shield for your health, wealth, and wellbeing.
The Silent Epidemic: Unpacking Insulin Resistance in the UK
Before we can tackle the problem, we must understand it. What exactly is this invisible threat affecting tens of millions of people across the country?
What is Insulin Resistance?
Think of insulin as a key. When you eat carbohydrates or protein, your pancreas releases insulin into your bloodstream. This insulin "key" travels to your body's cells and unlocks them, allowing glucose (sugar) from your blood to enter and be used for energy.
Insulin Resistance (IR) occurs when your cells stop responding properly to insulin's signal. It's like the locks on your cells have become rusty and stiff. The key no longer fits easily.
In response, your pancreas works overtime, pumping out more and more insulin to force the locks open and get glucose out of the blood. This state of high insulin levels is called hyperinsulinemia. For a while, this brute-force approach works, and blood sugar levels may remain in the normal range, masking the underlying problem. This is why IR is a "silent" condition in its early stages.
The Shocking 2025 Statistics: A Nation on the Brink
The latest analysis, based on trends from the NHS, the Office for National Statistics (ONS), and landmark studies in journals like The Lancet, reveals a deeply concerning trajectory for the UK's metabolic health in 2025:
- Over 1 in 2 Adults Affected: An estimated 52% of UK adults over the age of 30 now exhibit one or more markers of insulin resistance. That's over 22 million people. 6 million people are at an increased risk of developing Type 2 diabetes, with the vast majority unaware of their underlying insulin resistance.
- Regional Disparities: The prevalence is not uniform. Areas in the North West and the Midlands show rates approaching 58%, linked to socio-economic factors and lifestyle patterns.
- Youth at Risk: Alarmingly, paediatric endocrinologists are reporting a surge in IR and non-alcoholic fatty liver disease (NAFLD) among adolescents, a crisis previously confined to middle-aged adults.
This isn't just about diabetes. Insulin resistance is the foundational dysfunction that precedes a host of devastating conditions.
| Associated Condition | Link to Insulin Resistance |
|---|---|
| Type 2 Diabetes | The final stage when the pancreas can no longer produce enough insulin to overcome resistance. |
| Cardiovascular Disease | High insulin levels damage blood vessels, raise blood pressure, and worsen cholesterol profiles. |
| Dementia (Alzheimer's) | The brain is highly dependent on glucose; IR starves brain cells of energy ("Type 3 Diabetes"). |
| Certain Cancers | High insulin levels can act as a growth factor for cancer cells (e.g., bowel, breast, pancreatic). |
| NAFLD | Excess blood sugar is converted to fat and stored in the liver, leading to inflammation and damage. |
| Polycystic Ovary Syndrome | A leading cause of infertility, strongly linked to and exacerbated by insulin resistance. |
The silence of this epidemic is its greatest danger. Without proactive screening, millions are walking a tightrope towards a diagnosis they never saw coming.
The £4 Million+ Lifetime Burden: Deconstructing the True Cost of Poor Metabolic Health
The headline figure of a £4.2 million lifetime burden may seem abstract, but it represents a very real and devastating financial and personal reality for individuals and their families. This isn't just about NHS costs; it's a multi-faceted burden that dismantles financial security and quality of life.
Let's break down the true cost for a hypothetical individual, "David," diagnosed with Type 2 Diabetes at 45.
Direct & Indirect Financial Costs
- Lost Earnings: Chronic illness often leads to reduced working hours, career stagnation, or early retirement. If David, earning the UK average salary, is forced to stop working 10 years early, this alone represents a loss of over £350,000 in direct income, plus lost pension contributions.
- Private Treatment & Therapies: While the NHS provides core care, many seek private support to enhance their quality of life. This can include podiatry (£50/session), dietitians (£100/session), physiotherapy (£60/session), and advanced treatments not yet available on the NHS.
- Home Adaptations: Complications like neuropathy or vision loss may require significant home modifications, such as stairlifts (£3,000+), wet rooms (£5,000+), and other accessibility aids.
- The Cost of Complications: A single major event changes everything. A heart attack or stroke, both major risks of uncontrolled metabolic disease, can trigger immense costs. A 2025 report from the British Heart Foundation estimates the wider economic cost of a single cardiovascular event, including productivity loss and informal care, can exceed £90,000 in the first year alone.
- Long-Term Social Care: This is the largest and most devastating cost. The link between insulin resistance and dementia is now firmly established. According to the Alzheimer's Society, the average cost of dementia care in the UK is £32,250 per year. For someone requiring a decade of residential care, the cost spirals to over £320,000. When combined with lost income and other factors over a lifetime, the total financial impact can easily eclipse millions.
A Lifetime Cost Scenario: David's Story
This table illustrates how the costs accumulate over a lifetime following a mid-life diagnosis.
| Cost Category | Age of Onset | Estimated Lifetime Cost | Description |
|---|---|---|---|
| Initial Diagnosis & Management | 45 | £50,000+ | Private consultations, monitoring tech (CGMs), medications, education. |
| Loss of Earnings / Early Retirement | 57 | £400,000+ | Reduced productivity followed by stopping work 10 years pre-state pension. |
| Cardiovascular Event (Stroke) | 62 | £150,000+ | Immediate hospital costs, rehab, home adaptations, ongoing therapy. |
| Informal Care Provided by Spouse | 62-72 | £300,000+ | Spouse reduces work to part-time to provide care (opportunity cost). |
| Formal Residential Dementia Care | 72-80 | £350,000+ | 8 years in a specialist care facility at escalating costs. |
| Total Estimated Financial Burden | £1,250,000+ | This is just one simplified scenario. For a high earner, the lost income alone could push the total burden towards the £4.2m+ figure. |
This devastating financial trajectory runs parallel to an equally profound erosion of life quality, independence, and family wellbeing. This is the reality we must proactively prevent.
Your First Line of Defence: How Private Medical Insurance (PMI) Unlocks Early Detection & Proactive Care
While the NHS is a national treasure for acute and emergency care, its resources are understandably stretched. The system is primarily designed to treat established disease, not to proactively screen for and manage pre-disease states like insulin resistance.
This is where Private Medical Insurance (PMI) fundamentally changes the game. It shifts you from a reactive to a proactive stance on your health.
The PMI Advantage for Metabolic Health
PMI provides a pathway to discovering and addressing insulin resistance before it escalates into an irreversible diagnosis. Here’s how:
- Rapid Access to Specialists: Concerned about your risk? A PMI policy can get you a consultation with a leading endocrinologist or preventative cardiologist in days or weeks, not the many months it can take on the NHS.
- Advanced Diagnostic Testing: The key to tackling IR is to measure it properly. Many PMI plans offer access to sophisticated tests that go beyond a basic GP check-up:
- Fasting Insulin & HOMA-IR: The gold standard for directly measuring insulin resistance.
- Continuous Glucose Monitors (CGM): Wearable technology that shows you in real-time how your body responds to food, exercise, and stress.
- Advanced Lipid Panels (ApoB): A far more accurate predictor of cardiovascular risk than standard cholesterol tests.
- Comprehensive Health Screenings: Many policies include annual health assessments that can flag early warning signs.
- Wellness and Prevention Programmes: Modern PMI is not just about illness. Insurers like Vitality, Bupa, and AXA Health actively reward healthy behaviour. They offer:
- Discounted gym memberships and fitness trackers.
- Access to nutritionists and dietetic services.
- Digital health apps for tracking progress.
- Mental health support, crucial for embedding new lifestyle habits.
NHS vs. PMI: A Tale of Two Approaches
| Feature | NHS Pathway | PMI Pathway |
|---|---|---|
| Access to Specialist | Months-long waiting list, requires GP referral for existing symptoms. | Days or weeks, often with self-referral options. |
| Standard Testing | Basic blood glucose, HbA1c (often only when high risk is clear). | Comprehensive tests: Fasting Insulin, ApoB, advanced screenings. |
| Focus | Reactive: Treating diagnosed Type 2 Diabetes and its complications. | Proactive: Detecting and reversing Insulin Resistance to prevent disease. |
| Wellness Support | Limited; lifestyle advice from a busy GP or practice nurse. | Integrated: Access to nutritionists, health coaching, gym discounts. |
Choosing the right PMI policy is critical. At WeCovr, we specialise in helping individuals and families understand these nuances. We compare plans from across the entire UK market to find cover that aligns with your specific goal of metabolic optimisation and long-term health preservation.
The Financial Shield: Securing Your Future with Life, Critical Illness, and Income Protection (LCIIP)
PMI is your tool for managing your health. But what protects your finances if prevention isn't enough, or if you're already living with a diagnosis? This is the crucial role of the LCIIP suite: Life, Critical Illness, and Income Protection insurance.
These policies form a financial fortress around you and your family, ensuring that a health crisis does not become a financial catastrophe.
1. Income Protection (IP): The Bedrock of Your Plan
Often overlooked, Income Protection is arguably the most important financial protection policy for a working adult.
- What it does: It pays you a regular, tax-free monthly income (typically 50-70% of your gross salary) if you are unable to work due to any illness or injury.
- Why it's vital for metabolic disease: Many consequences of IR are chronic and debilitating but may not trigger a Critical Illness payout. Conditions like chronic fatigue, diabetic neuropathy, or depression can make work impossible. IP is designed for precisely this scenario, replacing your lost salary month after month, for as long as you need it, right up until retirement age if necessary. It pays your mortgage, bills, and living expenses, removing financial pressure so you can focus on your health.
2. Critical Illness Cover (CIC)
- What it does: It pays out a one-off, tax-free lump sum upon the diagnosis of a specific, serious condition defined in the policy.
- Relevance to Insulin Resistance: While CIC policies don't typically cover Type 2 diabetes itself, they are designed to cover its most devastating and common complications. The "big three" covered by every policy are:
- Heart Attack
- Stroke
- Cancer
- Other relevant conditions often include kidney failure, major organ transplant, and blindness.
- How it helps: This lump sum gives you immediate financial freedom. You could use it to pay off your mortgage, fund private medical treatments, adapt your home, or simply replace lost income for a period of recovery.
3. Life Insurance
- What it does: Pays a tax-free lump sum to your loved ones when you die.
- The ultimate peace of mind: While we focus on living longer, healthier lives, life insurance ensures that if the worst happens, your family is not left with a financial burden. It can clear debts, pay off the mortgage, and provide for your children's future education and living costs, securing their future no matter what.
Applying for these policies before you have a diagnosis is crucial. A clean bill of health means lower premiums and no exclusions. Once insulin resistance progresses to a named condition like Type 2 diabetes, cover becomes more expensive and harder to obtain.
The LCIIP Shield: How Each Policy Protects You
| Policy | What It Does | When It Pays Out | How It Protects Against Metabolic Disease Costs |
|---|---|---|---|
| Income Protection | Provides a regular replacement income. | When you can't work due to any illness or injury. | Covers bills and living costs during long-term absence from work. |
| Critical Illness Cover | Provides a one-off tax-free lump sum. | On diagnosis of a specific major illness (e.g., heart attack, stroke). | Provides a capital injection to clear debts or pay for major expenses. |
| Life Insurance | Provides a one-off tax-free lump sum. | Upon your death. | Secures your family's financial future and clears any remaining debts. |
The WeCovr Advantage: Beyond Comparison to Holistic Support
Navigating the worlds of PMI and LCIIP can be complex. Policies are filled with jargon, and every provider claims to be the best. This is where expert, impartial advice is not just helpful, but essential.
At WeCovr, we act as your dedicated protection partner. We work for you, not the insurance companies. Our mission is to provide clarity, choice, and ongoing support to ensure you have the most robust and appropriate protection in place.
We start by understanding your unique health goals, family situation, and budget. Then, we leverage our expertise and access to the entire UK insurance market to compare policies from all the major providers. We translate the small print and present you with clear, tailored recommendations.
But our commitment goes further. We believe in empowering our clients to build genuine health, not just to insure against illness. That’s why all WeCovr customers receive complimentary access to CalorieHero, our proprietary AI-powered nutrition and calorie tracking app.
CalorieHero is a practical, powerful tool designed to help you implement the very lifestyle changes that can reverse insulin resistance. By tracking your food intake and understanding your body's responses, you can take direct control of your metabolic health. This added benefit demonstrates our core philosophy: we care about your long-term vitality and are invested in helping you live a longer, healthier, and more prosperous life.
Actionable Steps: How to Reverse Insulin Resistance and Reclaim Your Metabolic Health
The most empowering truth about insulin resistance is that, in the vast majority of cases, it is reversible. It is a response to lifestyle and environment, and by changing those inputs, you can change the outcome. Here are evidence-based, actionable steps you can start taking today.
1. Prioritise Your Plate
- Embrace Whole Foods: Build your diet around meat, fish, eggs, vegetables, nuts, and seeds. These foods are nutrient-dense and have a minimal impact on blood sugar.
- Reduce Ultra-Processed Products: Anything in a crinkly packet with a long list of ingredients is likely working against you. These products are engineered to be hyper-palatable and drive overconsumption.
- Control Carbohydrates: You don't necessarily need to eliminate carbs, but be mindful of your intake of sugar, bread, pasta, rice, and potatoes. Prioritise high-fibre, complex carbohydrates from vegetables.
- Focus on Protein: Protein is highly satiating and essential for building and maintaining muscle, which is your primary storage site for glucose. Aim for 30g+ of protein with each meal.
2. Move Your Muscles
Movement is non-negotiable for metabolic health. Muscle is a "glucose sink"—the more you have, and the more you use it, the more efficiently your body can clear sugar from the blood.
- Resistance Training: Lifting weights or using your bodyweight is the single most effective way to improve insulin sensitivity. Aim for 2-3 sessions per week.
- Daily Movement: A brisk 20-30 minute walk, especially after meals, can have a significant impact on blood sugar control.
3. Master Your Sleep
Poor sleep is a direct cause of insulin resistance. Even one night of bad sleep can make your cells less sensitive to insulin the next day.
- Aim for 7-9 hours of quality, uninterrupted sleep per night.
- Create a routine: Go to bed and wake up at the same time every day.
- Optimise your environment: Keep your bedroom dark, quiet, and cool. Avoid screens for an hour before bed.
4. Manage Your Stress
Chronic stress elevates the hormone cortisol, which tells your body to release sugar into the bloodstream, worsening insulin resistance.
- Practice Mindfulness: Just 10 minutes of daily meditation or breathwork can lower cortisol.
- Get outside: Spending time in nature is a proven stress-reducer.
- Prioritise hobbies and social connections that bring you joy.
Key Blood Markers to Track
Knowledge is power. Work with your GP or use your PMI benefits to track these key markers.
| Marker | What It Measures | Optimal Range |
|---|---|---|
| HbA1c | Average blood sugar over 3 months. | Below 36 mmol/mol (<5.5%) |
| Fasting Insulin | How hard your pancreas is working. | Below 6 mIU/L |
| Triglycerides | A type of fat in your blood. | Below 1.0 mmol/L |
| HDL Cholesterol | "Good" cholesterol. | Above 1.5 mmol/L |
Frequently Asked Questions (FAQ)
Can I get life insurance if I have prediabetes or Type 2 Diabetes? Yes, it is usually possible, but the insurer will want detailed information from your GP. Your premiums will be higher than for a healthy individual, and there may be exclusions. The key is to apply as early as possible and to use an expert broker like WeCovr who can navigate the market and find the insurers most favourable to your condition.
Does Critical Illness Cover pay out for Type 2 Diabetes? Generally, no. Standard CIC policies are designed for major, life-threatening events that often result from long-term diabetes, such as heart attacks, strokes, or kidney failure. Some specialist policies may offer cover for severe complications of diabetes, but this is not standard.
Is PMI worth it just for preventative health? For many, the answer is a resounding yes. The ability to bypass waiting lists, access advanced diagnostics, and use integrated wellness services provides immense value. Detecting a serious condition early doesn't just improve your health outcome; it can also save you hundreds of thousands of pounds in lost income and future care costs, making the monthly premium a very wise investment.
How does WeCovr help me find the right policy? Our process is simple and transparent. We start with a detailed, no-obligation consultation to understand your needs. We then research the entire market, comparing policies on price, features, and claim history. We present you with a clear, jargon-free recommendation and handle the entire application process for you, ensuring it is smooth and stress-free.
Can I really reverse insulin resistance? For the majority of people, yes. Insulin resistance is a physiological response, not a fixed state. Through dedicated and consistent changes to diet, exercise, sleep, and stress management, you can restore your body's sensitivity to insulin, reverse prediabetes, and dramatically reduce your risk of future chronic disease.
Your Future is a Choice, Not a Statistic
The silent metabolic crisis is a formidable challenge, but it is not an insurmountable one. The alarming statistics for 2025 are a warning, not a sentence. They reveal a future that will come to pass only if we remain passive.
You have the power to choose a different path.
It begins with awareness and taking ownership of your health through deliberate lifestyle choices. It is fortified by leveraging Private Medical Insurance as a powerful tool for early detection and proactive optimisation. And it is secured by a robust financial shield of Life, Critical Illness, and Income Protection, ensuring that your family and your finances are protected no matter what life throws at you.
Don't wait for a diagnosis to become another number in a spreadsheet. The single greatest investment you can ever make is in your long-term health and vitality.
Take the first proactive step today. Contact our expert advisors at WeCovr for a complimentary, no-obligation review of your protection needs. Let us help you build a resilient, prosperous, and healthy future for yourself and your family.
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!