UK 2026 Health Reality 3 in 5 Working Britons Face Major Setback
New 2026 projections reveal that over 3 in 5 working Britons will experience a life-altering health event – whether a critical illness, long-term disability, or severe chronic condition – before reaching retirement age, posing a staggering multi-million-pound lifetime financial threat from lost income, unfunded care, and compromised family futures. Learn how your Life, Critical Illness, and Income Protection (LCIIP) shield offers the vital financial security to navigate these inevitable challenges, protecting your familys well-being and prosperity.
The classic British mindset of "keeping a stiff upper lip" and "carrying on" is a commendable trait. However, when it comes to our health and finances, this stoicism can become a dangerous liability. We plan our holidays, our careers, and our children's education with meticulous detail, yet we often leave the single most significant threat to those plans entirely to chance: our health.
The reality, backed by stark new projections for 2026, is no longer a question of if a serious health event will impact your working life, but when and how severely. The data points to a startling conclusion: more than 60% of us currently in the workforce will be forced to confront a major illness, injury, or disability before we even think about collecting our state pension.
This isn't just a health crisis; it's a financial catastrophe in waiting. A sudden inability to earn an income doesn't just halt your financial progress; it sends it into a catastrophic reverse. Mortgages, bills, and daily living costs don't pause for a diagnosis. The financial safety nets we assume are in place are often threadbare or non-existent, leaving families exposed to a multi-million-pound loss in lifetime earnings.
This guide is designed to pull back the curtain on this looming reality. We will explore the data, dissect the financial fallout, and, most importantly, provide a clear, actionable blueprint for building a financial fortress around your family using the powerful combination of Life, Critical Illness, and Income Protection insurance.
The Looming Health Crisis: Unpacking the 2026 Projections
The "3 in 5" figure isn't scaremongering; it's a conservative projection based on converging trends from the Office for National Statistics (ONS), the NHS, and leading health charities. As we move into 2026, several factors are conspiring to create a perfect storm for the UK's working population.
What's Driving This Trend?
- An Ageing Workforce: With the state pension age continuing to rise, people are working for longer. This extends the window of time in which an age-related condition can strike during one's working life.
- The Rise of Chronic Conditions: Lifestyle factors, stress, and environmental influences have led to a significant increase in long-term conditions. A record 2.8 million people are now out of work due to long-term sickness, a figure that continues to climb.
- Improved, Earlier Diagnostics: Medical science is a double-edged sword. While we are now brilliant at detecting illnesses like cancer earlier, it means more people are living with a serious diagnosis for longer, often with a reduced capacity to work.
- The Mental Health Epidemic: The once-taboo subject of mental health is now rightly recognised as a primary cause of long-term absence. Conditions like stress, anxiety, and depression are now the leading cause of sickness days in the UK.
The Three Core Threats to Your Earning Power
When we talk about a "life-altering health event," it typically falls into one of three devastating categories.
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Critical Illnesses: These are the sudden, severe conditions that often appear without warning. The "big three" continue to dominate:
- Cancer: According to Cancer Research UK, 1 in 2 people in the UK will get cancer in their lifetime. A significant portion of these diagnoses occur during prime working years.
- Heart Attack: The British Heart Foundation reports there are more than 100,000 hospital admissions for heart attacks each year in the UK. Many survivors cannot return to high-stress jobs.
- Stroke: The Stroke Association notes that strokes are happening at younger ages, with one in four strokes in the UK now occurring in people of working age.
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Long-Term Disabling Conditions: These are often not a single event but a progressive decline that makes work impossible.
- Musculoskeletal (MSK) Issues: This is the number one reason for long-term work absence. It includes severe back pain, arthritis, and other joint and muscle disorders, affecting over 20 million people in the UK.
- Mental Health Conditions: As mentioned, this is the fastest-growing category for work incapacity. The severity can range from debilitating anxiety to deep depression, making consistent work untenable.
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Progressive Chronic Conditions: These illnesses require ongoing management and often lead to a gradual withdrawal from the workforce.
- Type 2 Diabetes: A condition on a sharp rise, with complications that can affect eyesight, mobility, and overall health.
- Multiple Sclerosis (MS): Typically diagnosed between the ages of 20 and 40, directly impacting an individual's peak earning years.
- Autoimmune Diseases: Conditions like Lupus or Rheumatoid Arthritis can cause chronic pain, fatigue, and disability.
| Health Threat Category | Key UK Statistics & 2026 Projections | Typical Impact on Work |
|---|---|---|
| Critical Illnesses | Cancer: 1 in 2 lifetime risk. Heart Attack: 1 every 5 mins. Stroke: 1 every 5 mins. | Sudden, prolonged absence. Often requires permanent career change or cessation. |
| Long-Term Disability | MSK: Affects 1 in 3 adults. Mental Health: Leading cause of work absence. | Inability to perform job role. High likelihood of never returning to previous capacity. |
| Chronic Conditions | Diabetes: Affecting 5 million+. MS: Over 130,000 people. | Gradual reduction in hours, leading to eventual inability to work. |
| Sources: Cancer Research UK, British Heart Foundation, Stroke Association, ONS, NHS, Versus Arthritis. |
The Financial Domino Effect: When Health Fails, Finances Falter
A serious health diagnosis is emotionally devastating. But the financial shockwave that follows can be just as destructive, dismantling a family's financial security with terrifying speed.
Most people grossly overestimate the support they will receive from the state or their employer. The reality is a harsh awakening.
The Immediate Income Shock: The Statutory Sick Pay (SSP) Myth
If you fall ill, your first line of defence is often Statutory Sick Pay. For the 2026/26 tax year, this amounts to a mere £121.50 per week. It is payable by your employer for a maximum of 28 weeks.
Let's put that into perspective. SSP provides just over £525 a month. This leaves an immediate, gaping shortfall of over £2,175 every single month for the average family.
Could your savings cover that gap for 28 weeks, let alone longer? For most, the answer is a resounding no.
The Multi-Million-Pound Threat: The Long-Term Financial Drain
The real financial danger isn't the initial 28 weeks; it's what happens after. A serious condition can easily prevent you from ever returning to your previous role, or even working at all. This is where the staggering "multi-million-pound threat" becomes a reality.
Consider a 40-year-old earning a modest £45,000 per year. If they are unable to work again until a retirement age of 67, they stand to lose £1,215,000 in gross future earnings.
This doesn't even account for promotions, inflation, or pension contributions. The table below illustrates this catastrophic loss across different ages and incomes.
| Current Age | Annual Salary | Years to Retirement (67) | Total Lost Gross Income |
|---|---|---|---|
| 35 | £40,000 | 32 | £1,280,000 |
| 40 | £55,000 | 27 | £1,485,000 |
| 45 | £70,000 | 22 | £1,540,000 |
| 50 | £60,000 | 17 | £1,020,000 |
On top of this colossal income loss, you face a raft of new, unfunded expenses:
- Home & Vehicle Modifications: Ramps, stairlifts, walk-in showers, or an adapted car can cost tens of thousands of pounds.
- Private Care & Therapies: While the NHS is remarkable, waiting lists for physiotherapy, counselling, or specialist treatments can be long. Many are forced to pay privately to accelerate recovery.
- The "Carer" Effect: Often, a spouse or partner must reduce their working hours or give up their job entirely to provide care, slashing household income even further.
- Depleting Your Future: Without an income, families are forced to raid their savings, cash in investments, and even access their pension pots early (with significant tax penalties), destroying decades of careful planning.
Your Financial Shield: A Deep Dive into LCIIP Insurance
The scenario painted above is bleak, but it is not inevitable. You have the power to erect a financial fortress that can withstand these health shocks. The solution is a layered defence strategy known as LCIIP: Life, Critical Illness, and Income Protection. These are not interchangeable; they are distinct tools designed to work in concert to protect you and your family at every stage of a health crisis.
1. Income Protection (IP): The Bedrock of Your Plan
If you protect one thing, protect your income. Your ability to earn is your single most valuable asset, funding everything from your mortgage to your food and future dreams. Income Protection is the only policy specifically designed to replace your salary when you can't work.
- What it does: Provides 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 that your doctor signs you off for.
- Key Features to Understand:
- Deferred Period: This is the waiting period from when you stop working to when the payments begin. It can be set from 4 weeks to 52 weeks. You should align this with any sick pay you receive from your employer to keep costs down.
- Payment Period: You can choose short-term plans (paying out for 1, 2, or 5 years) or a long-term plan. A long-term plan is the gold standard, as it will continue to pay you every month right up until you recover or reach retirement age.
- Definition of Incapacity: This is crucial. The best policies use an "Own Occupation" definition. This means the policy will pay out if you are unable to do your specific job. Less comprehensive policies might use "Suited Occupation" (any job you're qualified for) or "Any Occupation" (any work at all), which are much harder to claim on.
2. Critical Illness Cover (CIC): The Financial First Responder
While Income Protection provides a long-term income stream, Critical Illness Cover provides an immediate, large-scale financial injection when you need it most.
- What it does: Pays out a one-off, tax-free lump sum upon diagnosis of a specific, pre-defined serious illness (e.g., most cancers, heart attack, stroke, multiple sclerosis).
- How it helps: The lump sum is yours to use as you see fit. Most people use it to:
- Clear the mortgage: Removing the biggest monthly outgoing provides immense peace of mind.
- Cover medical costs: Pay for private treatment, specialist consultations, or therapies not available on the NHS.
- Adapt your home: Fund any necessary changes to your living environment.
- Replace lost income: Provide a financial buffer for you and a partner who may need to take time off to care for you.
The key with CIC is understanding the definitions. The number and type of conditions covered vary between insurers. This is where an expert adviser is invaluable. At WeCovr, we meticulously compare the intricate policy details from all major UK insurers to ensure the plan you choose offers robust definitions for the conditions that concern you most.
3. Life Insurance: The Ultimate Family Backstop
Life Insurance is the foundation upon which all other financial planning for your family is built. It addresses the ultimate "what if?"
- What it does: Pays out a tax-free lump sum to your loved ones if you pass away during the policy term.
- Who needs it? Anyone with financial dependents. If you have a partner, children, a mortgage, or anyone who relies on your income, you need life insurance.
- The Main Types:
- Level Term Assurance: You choose a sum and a term (e.g., £300,000 over 25 years). The payout amount remains the same throughout the term. Ideal for covering an interest-only mortgage and providing a family income.
- Decreasing Term Assurance: The potential payout decreases over time, broadly in line with a repayment mortgage. It's a cheaper way to ensure your biggest debt is always covered.
- Whole of Life: This policy guarantees a payout whenever you die. It's more expensive and typically used for inheritance tax planning or to cover funeral costs.
How The LCIIP Shield Works in Practice
These three policies are designed to be a cohesive system.
| Policy | Purpose | Payout Type | When It Pays |
|---|---|---|---|
| Income Protection | Replaces lost salary | Regular Monthly Income | After a deferred period, for any medical reason stopping you from working. |
| Critical Illness | Clears debts, covers one-off costs | Tax-Free Lump Sum | On diagnosis of a specific, serious condition listed in the policy. |
| Life Insurance | Provides for dependents | Tax-Free Lump Sum | Upon your death during the policy term. |
Real-World Scenario:
Sarah, a 42-year-old marketing manager, is diagnosed with breast cancer.
- Critical Illness Cover: Her £150,000 policy pays out. She uses it to clear the remaining £120,000 on her mortgage and puts £30,000 aside for future needs. Her largest monthly bill is now gone.
- Income Protection: After her 13-week employer sick pay ends (her chosen deferred period), her IP policy kicks in. It pays her £2,200 every month, allowing her to focus entirely on her treatment and recovery without worrying about bills.
- Life Insurance: Thankfully not needed, but it remains in place, giving her peace of mind that if the worst should happen, her children's financial future is secure.
Building Your Personalised Fortress: How to Structure Your Cover
There is no "one-size-fits-all" solution. Your protection portfolio must be tailored to your unique circumstances, including your income, debts, family situation, and budget.
How Much Cover Is Enough? A Guideline
- Income Protection: Aim to cover 50-70% of your gross (pre-tax) income. Payouts are tax-free, so this level of cover should be sufficient to replace your take-home pay.
- Critical Illness Cover: A good starting point is to cover your mortgage and any other large debts, plus 1-2 years of your annual salary to act as a financial buffer.
- Life Insurance: A common rule of thumb is 10 times your annual salary. However, a more precise calculation would add up your mortgage, other debts, and estimate the future living costs for your family until your children are financially independent.
Making Protection Affordable
The cost of cover is determined by your age, health, smoker status, occupation, and the amount/length of cover you choose. While the thought of another monthly outgoing can be daunting, the cost of not being insured is infinitely higher.
Top Tips for Affordable Cover:
- Act Now: The younger and healthier you are when you take out a policy, the cheaper the premiums will be for the entire life of the plan.
- Review Your Health: Non-smokers pay significantly less. If you've quit smoking or vaping for over 12 months, you can secure much lower rates.
- Adjust the Terms: For Income Protection, choosing a longer deferred period (e.g., 26 weeks instead of 4) can dramatically reduce the cost. For CIC, you might choose a smaller lump sum focused solely on clearing the mortgage.
- Seek Expert Advice: This is the single most important step. An independent broker can make a world of difference. Navigating the market alone is complex; providers use different definitions and have different underwriting philosophies. A specialist brokerage like WeCovr does the heavy lifting for you, comparing policies from all the UK's leading insurers to find the right blend of comprehensive cover and value. We ensure you're not just buying a cheap policy, but the right policy.
Beyond the Payout: The Added Value of Modern Protection Policies
Today's insurance policies offer so much more than just a financial payout. Insurers have recognised the value in helping you stay healthy and recover faster. Most leading policies now come with a suite of "added value" benefits, often available to you and your family from the moment your policy starts, at no extra cost.
These can be a lifeline during a difficult time:
- 24/7 Virtual GP: Skip the NHS waiting times and get a video consultation with a GP at a time that suits you, often with same-day prescription delivery.
- Mental Health Support: Access to a specified number of counselling or therapy sessions to help you cope with stress, anxiety, or the emotional impact of a diagnosis.
- Second Medical Opinion Services: If you receive a serious diagnosis, the insurer can arrange for your case to be reviewed by a world-leading expert, giving you peace of mind about your diagnosis and treatment plan.
- Rehabilitation Support: Practical help to get you back on your feet, including physiotherapy, occupational therapy, and even career coaching to help you return to work.
- Health & Wellbeing Apps: Tools and incentives to help you manage your health, from fitness tracking to nutrition advice.
At WeCovr, we champion this holistic approach to well-being. We believe that supporting our clients' health proactively is just as important as providing a financial safety net. That’s why, in addition to finding you the most suitable and comprehensive insurance policies, we provide all our customers with complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app. It's our way of going the extra mile, helping you build healthier habits for a better future.
Common Myths and Misconceptions Debunked
Misinformation often prevents people from getting the protection they desperately need. Let's tackle the most common myths head-on.
Myth 1: "I'm young and healthy, it won't happen to me." Fact: The "3 in 5" statistic proves this is wishful thinking. Illnesses like cancer, strokes, and MS frequently strike in your 30s and 40s. Accidents can happen to anyone at any time. Securing cover when you're young locks in the lowest possible premiums for life.
Myth 2: "The State will look after me." Fact: State support is a minimal safety net designed to prevent destitution, not maintain your lifestyle. Statutory Sick Pay is £121.50 a week. Long-term, you might be eligible for Universal Credit or Employment and Support Allowance (ESA), but these are means-tested benefits that amount to a few hundred pounds a month, not enough to cover a mortgage and bills.
Myth 3: "I have cover through my employer." Fact: This is a dangerous assumption. While some employers offer excellent benefits, they are the exception.
- Death in Service: This typically pays 2-4 times your salary. As we've seen, 10x is a more realistic starting point for a family.
- Group Income Protection: This is a fantastic benefit, but very few companies offer it.
- The Portability Trap: Crucially, any cover you have through work is tied to your job. When you leave, you lose it. Your personal policy belongs to you, regardless of who you work for.
Myth 4: "Insurers never pay out." Fact: This is one of the most damaging and persistent myths. The latest official figures from the Association of British Insurers (ABI) show that in 2024, the insurance industry paid out 97.6% of all protection claims, totalling over £7 billion. Claims are only declined in rare cases of non-disclosure (not being truthful on the application) or fraud.
Your Family's Future is Not a Game of Chance
The evidence is clear and the projections for 2026 are stark. A significant health event is a statistical likelihood for the majority of working Britons. Relying on luck, the state, or a limited employer benefits package is a gamble that your family cannot afford for you to lose.
The financial consequences of being unable to work are not a minor inconvenience; they are catastrophic, capable of wiping out a lifetime of savings and jeopardising your family's home, stability, and future prosperity.
But you have the power to change this outcome. By understanding the risks and taking proactive steps today, you can build a robust financial shield. A carefully structured portfolio of Life Insurance, Critical Illness Cover, and Income Protection provides a 360-degree defence, ensuring that money is the one thing you don't have to worry about during the most challenging time of your life.
The best time to put this protection in place was yesterday. The second-best time is right now. Don't wait for a health scare to force your hand.
Take control of your financial destiny. The team of expert advisers at WeCovr is ready to help you navigate the market, understand your options, and build a personalised LCIIP shield that fits your needs and your budget. We will compare the UK's leading insurers, explain the small print, and empower you to make an informed decision that will protect you and your loved ones, come what may.
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!