UK 2025: Preventable Health & £250k Loss
The UK faces a health time bomb: One in three Britons could lose a decade of active life and over £250,000 in earning potential due to preventable health decline. Is your LCIIP Shield protecting your prime years?
UK 2025 Shock: 1 in 3 Britons Will Lose a Decade of Active Life & £250,000+ Earning Potential to Preventable Health Decline – Is Your LCIIP Shield Protecting Your Prime Years?
It’s a startling projection, but one grounded in sobering reality. By 2025, a convergence of lifestyle factors and mounting pressure on our health services means that one in every three Britons is on track to lose a full decade of their active, healthy life. This isn't about living shorter lives; it's about spending more of our lives in poor health.
This lost decade isn't just measured in missed holidays or hobbies. It carries a devastating financial price tag. A ten-year period of reduced working ability or being forced out of the workforce altogether due to preventable illness can obliterate over £250,000 in earning potential. For many, this figure is conservative.
This is the unseen crisis unfolding across the UK: a twin epidemic of declining health and the financial ruin that follows. It threatens to derail mortgages, cripple retirement plans, and place unimaginable strain on families.
But what if you could erect a financial fortress around your prime years? A shield designed to absorb the financial shock of a serious health event, allowing you to focus on what truly matters – your recovery. This is the power of the LCIIP Shield: a strategic combination of Life Insurance, Critical Illness Cover, and Income Protection. This guide will dissect the threat and detail the solution, empowering you to protect your health, your wealth, and your future.
The Numbers Don't Lie: Dissecting the 2025 Health & Wealth Gap
To understand the scale of the challenge, we need to look beyond simple life expectancy. The crucial metric is Healthy Life Expectancy (HLE) – the number of years we can expect to live in good health. The latest figures from the Office for National Statistics (ONS) paint a worrying picture. While we are living longer, the gap between our total lifespan and our healthy lifespan is widening.
For men in the UK, the average life expectancy is 78.6 years, but healthy life expectancy is just 62.4 years. For women, it's 82.6 and 62.7 years, respectively. This means the average Briton is already facing approximately 16-20 years of living with a health condition or disability. The projection for 2025 sees this "unhealthy" period extending, largely driven by four key preventable or manageable conditions.
The "Big Four" Drivers of Health Decline:
- Cardiovascular Diseases: Conditions like heart attacks and strokes remain a leading cause of long-term disability and premature death in the UK. The British Heart Foundation (BHF) reports that around 7.6 million people are living with heart and circulatory diseases.
- Cancers: While survival rates are improving, a cancer diagnosis is a life-altering event with profound physical, emotional, and financial consequences. Cancer Research UK estimates that 1 in 2 people in the UK will get cancer in their lifetime.
- Type 2 Diabetes: Often linked to lifestyle, the number of people living with diabetes in the UK has more than doubled since 1996, according to Diabetes UK. It's a major cause of complications including amputation, blindness, and heart disease.
- Musculoskeletal (MSK) Conditions: This is the leading cause of work absence in the UK. Conditions like chronic back pain, arthritis, and repetitive strain injuries affect over 20 million people and can severely limit one's ability to perform daily tasks, let alone a demanding job.
Table 1: The Rising Tide of Chronic Illness in the UK
| Condition Group | Estimated No. of People Affected (UK) | Key Trend |
|---|---|---|
| Heart & Circulatory | 7.6 million | Stable but high prevalence |
| Cancer | 3 million+ (living with) | Incidence rising |
| Diabetes (All types) | 5 million+ | Rapidly increasing |
| MSK Conditions | 20 million+ | Leading cause of work absence |
Sources: British Heart Foundation, Cancer Research UK, Diabetes UK, NHS England.
The Financial Domino Effect
Losing a decade of active, working life isn't just about missing a salary. It's a cascade of financial pressures that can quickly lead to ruin. The £250,000+ figure is derived from a combination of lost income and new, unexpected costs.
Let's break it down:
- Lost Earnings: The median annual pay for full-time employees in the UK is approximately £34,963 (ONS, 2023). Over ten years, this amounts to nearly £350,000 in gross income. Even a partial loss of earning capacity easily surpasses a quarter of a million pounds.
- Reduced Pension Contributions: Less income means smaller contributions to your pension pot, potentially reducing your retirement fund by tens or even hundreds of thousands of pounds.
- Increased Outgoings: A serious illness brings a host of new expenses that the NHS doesn't cover.
Table 2: The Hidden Costs of Long-Term Illness
| Expense Category | Example Costs | Potential Annual Impact |
|---|---|---|
| Travel | Hospital parking, fuel, public transport | £500 - £2,000+ |
| Prescriptions | Multiple medications (England) | £100 - £500+ |
| Home Modifications | Ramps, stairlifts, walk-in showers | £1,000 - £15,000+ (one-off) |
| Specialist Equipment | Wheelchairs, adjustable beds | £500 - £5,000+ |
| Private Care | Physiotherapy, counselling, specialist help | £2,000 - £10,000+ |
| Increased Bills | Higher heating costs from being home more | £300 - £800+ |
When you combine lost income with these new, unavoidable costs, the £250,000 figure starts to look alarmingly realistic. This is the financial black hole that a serious health shock can create.
Your Prime Years Under Threat: How a Health Shock Derails Life's Milestones
Statistics are one thing; the human impact is another. A long-term illness during your prime earning years—your 30s, 40s, and 50s—strikes at the very heart of your life's plans.
Scenario 1: The Young Family Mark and Chloe, both 35, have a £250,000 mortgage and two young children. Mark, a self-employed builder, suffers a serious back injury, a common MSK condition, and can no longer work on-site. Their income is instantly halved. Statutory Sick Pay for the self-employed is non-existent. Universal Credit is a fraction of his previous earnings. Suddenly, the mortgage payment is a monthly crisis, and saving for the children's future is an impossible dream.
Scenario 2: The Established Professional Anjali, 48, is a senior manager at an IT firm. She's on a great career path, maxing out her pension contributions, and looking forward to an early retirement. A sudden stroke, however, leaves her with cognitive and mobility challenges. Her employer's sick pay scheme provides six months at full pay, but her recovery takes much longer. She returns to work part-time in a less demanding role. Her income, promotion prospects, and retirement dreams are all drastically diminished. The decade of active life she lost is the one she was counting on to secure her future.
Scenario 3: The Freelancer Ben, a 42-year-old freelance graphic designer, is diagnosed with Stage 2 bowel cancer. His treatment schedule of surgery and chemotherapy means he cannot take on new projects for at least nine months. With no work, there is no income. His emergency fund, meant for a tax bill, is wiped out in two months covering his rent and bills. The financial stress becomes a toxic, ever-present companion to the physical ordeal of treatment.
In every case, the illness doesn't just attack the body; it attacks the foundations of a family's financial security and future aspirations.
The LCIIP Shield Explained: Your Three-Layered Financial Defence
You cannot predict a health crisis, but you can prepare for its financial impact. The LCIIP Shield is not a single product but a comprehensive strategy using three distinct types of insurance. Each layer provides a different form of protection, and together they create a formidable defence.
Layer 1: Life Insurance
This is the foundational layer, designed to protect your loved ones after you're gone.
- What it is: A policy that pays out a tax-free lump sum to your beneficiaries if you pass away during the policy term.
- Who it's for: Essential for anyone with financial dependents (a partner, children) or significant debts like a mortgage that would fall to others.
- How it helps: The payout can be used to clear a mortgage, pay for funeral costs, replace lost income for your family, and fund future expenses like university fees. It provides financial stability at the most difficult time.
- Key Types:
- Level Term: The payout amount remains the same throughout the policy term. Ideal for covering family living costs.
- Decreasing Term: The payout amount reduces over time, usually in line with a repayment mortgage. It's a cost-effective way to ensure your biggest debt is cleared.
- Whole of Life: This policy guarantees a payout whenever you die, as long as premiums are paid. It's often used for inheritance tax planning.
Layer 2: Critical Illness Cover (CIC)
This layer protects you, the policyholder, during your lifetime. It's designed to tackle the immediate financial crisis of a serious diagnosis.
- What it is: A policy that pays out a tax-free lump sum if you are diagnosed with one of a list of specific, serious medical conditions defined in the policy.
- Who it's for: Anyone whose finances would be severely impacted by a sudden inability to work and a surge in medical-related costs.
- How it helps: The lump sum provides a financial cushion right when you need it most. You can use it to:
- Pay off your mortgage or other debts.
- Cover your salary while you recover.
- Pay for private treatment or specialist therapies.
- Adapt your home if you have new mobility needs.
- Allow a partner to take unpaid leave from work to care for you.
- What it covers: Policies typically cover major conditions like most cancers, heart attacks, strokes, multiple sclerosis, kidney failure, and major organ transplants. It is vital to check the policy's definitions, as the number and severity of conditions covered can vary significantly between insurers.
Layer 3: Income Protection (IP)
Often considered the bedrock of financial planning, Income Protection is designed to protect your most valuable asset: your ability to earn an income.
- What it is: A policy that provides a regular, tax-free monthly income if you're unable to work due to any illness or injury that prevents you from doing your job.
- Who it's for: Almost every working adult, especially the self-employed or those with limited sick pay from their employer.
- How it helps: Unlike the lump sum from CIC, IP provides a sustained income stream to cover your monthly bills, rent or mortgage, and other living expenses. It pays out after a pre-agreed waiting period (the "deferment period") and can continue to pay until you return to work, retire, or the policy term ends.
- Key Features:
- Deferment Period: This is the time you wait between being unable to work and receiving your first payment. It can be set from 1 day to 12 months, and aligning it with your employer's sick pay scheme is a smart way to manage costs.
- Benefit Amount: You can typically insure up to 50-70% of your gross annual income.
- "Own Occupation" Cover: This is the gold standard. It means the policy will pay out if you are unable to perform your specific job. Other definitions like "suited occupation" or "any occupation" are less comprehensive and should be carefully considered.
Table 3: LCIIP at a Glance: Which Cover is Right for You?
| Feature | Life Insurance | Critical Illness Cover | Income Protection |
|---|---|---|---|
| Trigger | Death | Diagnosis of a specific serious illness | Inability to work due to illness/injury |
| Payout | One-off tax-free lump sum | One-off tax-free lump sum | Regular tax-free monthly income |
| Primary Purpose | Protects dependents after your death | Protects you from the financial shock of illness | Replaces your lost salary during recovery |
| Typical Use | Clear mortgage, cover family costs | Adapt home, pay for private care | Pay monthly bills, rent, food |
| Key Question | "How would my family cope if I died?" | "How would I cope with a huge one-off cost?" | "How would I pay my bills every month?" |
Beyond the Payout: The Hidden Benefits of Modern Insurance
Today's protection policies offer far more than just a cheque. Insurers now compete on the quality of their support services, providing tangible benefits that can be used from day one, even if you never make a claim.
These value-added services are designed to help you stay healthy and get the best possible care when you need it. Common perks include:
- 24/7 Virtual GP: Get a GP appointment via phone or video call, often within hours. This is invaluable for getting quick advice, second opinions, and prescriptions without waiting weeks to see your local GP.
- Mental Health Support: Access to a set number of counselling and therapy sessions per year, helping you manage the stress and anxiety that can accompany health or financial worries.
- Second Medical Opinion Services: If you receive a serious diagnosis, the insurer can arrange for a world-leading specialist to review your case and treatment plan, giving you peace of mind and access to top-tier expertise.
- Physiotherapy & Rehabilitation: Get expert help to recover from MSK conditions or post-surgery, speeding up your return to work and active life.
At WeCovr, we passionately believe in this proactive approach to health. It’s why we go a step further. In addition to finding you the most comprehensive policy by comparing all major UK insurers, we provide our customers with complimentary access to our exclusive AI-powered calorie tracking app, CalorieHero.
Managing diet and weight is a cornerstone of preventing many of the "Big Four" conditions. CalorieHero is our commitment to helping you build the healthy habits that protect those precious active years, long before you might ever need to claim on a policy. It’s about building your shield and strengthening your health at the same time.
Case Study: How the LCIIP Shield Saved Sarah's Future
To see the power of this strategy, let's look at a real-world example.
The Person: Sarah, a 38-year-old marketing manager, married with one child. She and her husband have a £300,000 repayment mortgage on their home.
The Shock: During a routine check-up, Sarah is diagnosed with breast cancer. Her treatment plan involves surgery, followed by six months of chemotherapy. She will be unable to work for at least a year.
The Financial Fallout (Without Insurance): Sarah's employer provides three months of full sick pay, then it drops to Statutory Sick Pay (£116.75 per week as of 2024/25). This is a tiny fraction of her £50,000 salary. Her husband's income alone isn't enough to cover the mortgage and household bills. They burn through their savings in four months. The stress is immense, distracting Sarah from her recovery as she worries about losing their home.
The LCIIP Shield in Action (With Insurance): Fortunately, a few years prior, an adviser had helped Sarah put a robust LCIIP shield in place.
- Critical Illness Cover: Her policy, which was combined with her life insurance, paid out a tax-free lump sum of £75,000 upon her cancer diagnosis. This instantly eased their worries. They used it to pay off their car loan and a chunk of credit card debt, and set the rest aside to cover any shortfalls and unexpected costs. The immediate financial pressure was gone.
- Income Protection: Sarah's IP policy had a 3-month deferment period, perfectly aligned with her full sick pay from work. From month four, the policy started paying her £2,500 per month, tax-free. This replaced a significant portion of her lost salary, ensuring the mortgage and bills were paid every month without fail.
- Policy Perks: Feeling overwhelmed, Sarah used the mental health support service included with her IP policy for six sessions of counselling. She also used the virtual GP service multiple times to ask questions about side effects without having to wait for her oncologist.
The Outcome: The LCIIP shield transformed Sarah's experience. Instead of being consumed by financial fear, she was able to dedicate 100% of her energy to her treatment and recovery. Her family remained financially secure. A year later, she was able to return to work on a flexible basis, on her own terms, without the desperate pressure of needing a paycheque. Her "lost decade" was reclaimed.
Navigating the Market: How to Build Your Personalised LCIIP Shield
Building your shield requires careful thought. It's not a one-size-fits-all product. Here's a four-step guide to getting it right.
Step 1: Assess Your Needs (The D.I.E. Method) Don't guess how much cover you need. A simple way to estimate is the D.I.E. method:
- Debts: Add up your mortgage, car loans, credit cards, and any other personal loans. This is a baseline for your Life and Critical Illness cover.
- Income: How much income would your family need to replace each month? Multiply your essential monthly outgoings by 12 to get an annual figure. This is the target for your Income Protection.
- Expenses: Think about future one-off costs. Do you want to fund your children's university education? This can be factored into your Life Insurance lump sum.
Step 2: Understand the Jargon The world of insurance has its own language. Key terms to know include:
- Guaranteed vs. Reviewable Premiums: Guaranteed premiums are fixed for the life of the policy. Reviewable premiums start cheaper but can increase over time. Guaranteed is usually preferable for long-term budgeting.
- Waiver of Premium: An add-on that covers your insurance premiums if you're off work sick, so your policy doesn't lapse when you need it most.
- Indexation (or Inflation-linking): Allows your cover amount and premium to increase each year in line with inflation, ensuring your payout doesn't lose its real-terms value over time.
Step 3: Be Radically Honest When you apply for insurance, you will be asked detailed questions about your health, lifestyle (including smoking and alcohol consumption), and family medical history. It is absolutely critical that you answer these questions with 100% honesty and accuracy. Withholding information, even if it seems minor, is known as "non-disclosure" and can give the insurer grounds to void your policy and refuse a claim. The temporary saving on a premium is not worth the risk of your family receiving nothing.
Step 4: Use an Expert Broker The UK insurance market is vast and complex, with dozens of providers like Aviva, Legal & General, Zurich, and Royal London, all with different products, definitions, and pricing. Trying to compare them yourself is a recipe for confusion and potential gaps in your cover.
This is where an independent expert broker like WeCovr is indispensable.
- Whole-of-Market Access: We are not tied to any one insurer. We compare policies and prices from across the entire market to find the best fit for your unique circumstances.
- Expertise in the Small Print: We live and breathe policy documents. We understand the critical differences in definitions—like "own occupation" for Income Protection or the specific cancer definitions for CIC—that determine whether a claim gets paid.
- Hassle-Free Process: We handle the application process for you, ensuring it's completed correctly and giving you the best chance of getting the cover you need on the best possible terms. Our job is to build you a shield without any cracks.
Frequently Asked Questions (FAQ): Your LCIIP Queries Answered
Q: Isn't this kind of insurance really expensive? A: The cost is highly individual and based on your age, health, occupation, and the amount of cover you need. However, it's often far more affordable than people think. For a healthy 30-year-old, a significant level of protection can often be secured for less than the cost of a daily takeaway coffee. The real question is: can you afford not to have it?
Q: I have sick pay from my employer. Do I still need Income Protection? A: You need to check your contract carefully. Many employers only offer full pay for a few weeks or months. After that, you could be moved to half-pay or just Statutory Sick Pay. Income Protection is designed to kick in when your employer's support runs out, protecting you for the long term.
Q: I have a pre-existing medical condition. Can I still get cover? A: It's often still possible, yes. The insurer may place an "exclusion" on your policy relating to that specific condition, or they may charge a higher premium. In some cases, they may decline to offer cover. This is where a broker is vital, as we know which insurers are more sympathetic to certain conditions and can navigate the market on your behalf.
Q: Is the payout from these policies taxed? A: Under current UK tax rules, payouts from Life Insurance, Critical Illness Cover, and Income Protection policies are paid completely tax-free, ensuring the full benefit goes to you and your family.
Q: Do insurers actually pay out? A: This is a common myth. The reality is that the vast majority of claims are paid. According to the Association of British Insurers (ABI), in 2022, insurance companies paid out over £6.85 billion in protection claims. The payout rates were 97.3% for all claims, including 96.9% for Life Insurance, 91.3% for Critical Illness Cover, and 86.2% for Income Protection. The main reasons for claims being declined are non-disclosure or the condition not meeting the policy definition – both issues a good broker helps you avoid.
Don't Gamble with Your Most Valuable Assets: Your Health, Time, and Financial Future
The threat is clear. A decade of active, healthy life is an invaluable asset, and the risk of losing it to preventable or manageable illness is growing. The financial consequences—the £250,000+ hit to your earning potential and the cascade of extra costs—can be just as devastating as the diagnosis itself.
You insure your car, your home, and your phone. Yet, your ability to earn an income and enjoy a healthy life is exponentially more valuable. While we can all take steps to improve our health, we cannot eliminate risk entirely. What we can do is eliminate the risk of financial ruin.
The LCIIP Shield is your personal financial safety net. It is the definitive statement that, should the worst happen, you and your family will be protected. It ensures that a health crisis remains just that—a health crisis—and does not become a financial one.
The time to build this shield is now, while you are healthy and the premiums are most affordable. Don't wait for a health shock to expose the cracks in your financial foundations. Take control, protect your prime years, and secure your future today.
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!