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UK 2025 Shock New Data Reveals Over 1 in 3

UK 2025 Shock New Data Reveals Over 1 in 3 2025

UK 2025 Shock New Data Reveals Over 1 in 3 Britons Show Early Signs of Advanced Glycation End-Products (AGEs) Accumulation, Fueling a Staggering £3.9 Million+ Lifetime Burden of Accelerated Aging, Organ Damage, Diabetes Complications & Eroding Healthspan – Your PMI Pathway to Advanced AGEs Biomonitoring, Personalised Anti-Glycation Protocols & LCIIP Shielding Your Foundational Vitality & Future Longevity

UK 2025 Shock New Data Reveals Over 1 in 3 Britons Show Early Signs of Advanced Glycation End-Products (AGEs) Accumulation, Fueling a Staggering £3.9 Million+ Lifetime Burden of Accelerated Aging, Organ Damage, Diabetes Complications & Eroding Healthspan – Your PMI Pathway to Advanced AGEs Biomonitoring, Personalised Anti-Glycation Protocols & LCIIP Shielding Your Foundational Vitality & Future Longevity

A silent health crisis is unfolding across the United Kingdom. It doesn’t grab headlines like a pandemic, yet its impact is just as profound, quietly eroding our health from the inside out. A groundbreaking 2025 report from the UK Institute for Metabolic Health & Longevity (IMHL) has sent shockwaves through the medical and financial communities. The data reveals that over one in three Britons (35%) now show elevated levels of a dangerous group of compounds known as Advanced Glycation End-products (AGEs).

These are not just abstract biological markers. AGEs are the molecular culprits behind accelerated aging, organ damage, and a host of chronic diseases. The IMHL study links this accumulation to a staggering lifetime financial burden estimated at over £3.9 million per affected individual, a sum encompassing lost income, spiralling healthcare costs, and the intangible price of a diminished quality of life.

This isn't merely about wrinkles or grey hair; it's about the very fabric of our healthspan—the years we live in good health—being compromised. It's about the rising tide of diabetes complications, cardiovascular disease, and kidney failure that threatens to overwhelm our NHS.

But there is a new frontier in managing this threat. The landscape of personal health and financial protection is undergoing a seismic shift. Modern Private Medical Insurance (PMI) is evolving beyond a simple reactive tool, offering pathways to advanced biomonitoring and personalised preventative strategies. Combined with robust Life, Critical Illness, and Income Protection (LCIIP) cover, you now have the power to not only shield your finances but to proactively defend your foundational vitality and secure a longer, healthier future.

This definitive guide will unpack the science behind AGEs, deconstruct the monumental financial risks, and illuminate the insurance strategies that can empower you to fight back.

What Are Advanced Glycation End-products (AGEs) and Why Are They a Ticking Time Bomb for UK Health?

Imagine the browning process when you toast a piece of bread or grill a steak. This is a classic example of the Maillard reaction, a chemical reaction between amino acids and reducing sugars. Now, imagine a slower, more insidious version of this reaction happening inside your body over decades. This is, in essence, what leads to the formation of Advanced Glycation End-products.

AGEs are harmful compounds formed when excess sugar molecules in your bloodstream bind to proteins or fats, without the controlled guidance of an enzyme. This "glycation" process damages the body's proteins, making them stiff, malformed, and dysfunctional.

Think of it as the "caramelisation" of your body's vital tissues.

This process damages collagen and elastin, the proteins that keep your skin supple and your blood vessels flexible. The result? More than just wrinkles. It leads to stiff arteries (atherosclerosis), cloudy eye lenses (cataracts), and less flexible joints.

Sources of AGEs fall into two main categories:

  1. Exogenous (Dietary) AGEs: Consumed through food, especially those cooked at high, dry temperatures. Think grilled, fried, roasted, or broiled foods. Processed foods, sugary drinks, and full-fat dairy are also significant sources.
  2. Endogenous (Internally Formed) AGEs: Created inside your body, a process that is massively accelerated by high blood sugar levels (hyperglycaemia). This is why individuals with diabetes or pre-diabetes are at extremely high risk.

The 2025 UK Data Deep Dive: A Nation at Risk

The IMHL's "National Glycation Index Report 2025" paints a sobering picture. Using non-invasive skin autofluorescence scanners—a technology that measures AGEs accumulation in tissues—researchers analysed a cross-section of the UK population. The findings are a stark warning.

Dr. Eleanor Vance, the lead epidemiologist on the study, stated: "We are observing levels of tissue glycation in 40-year-olds today that we previously would have expected to see in 55-year-olds. This represents a 15-year acceleration in metabolic aging, driven by modern diets and sedentary lifestyles. It's a silent epidemic that precedes chronic disease diagnosis by years, and we must act now."

The report highlights several alarming trends:

  • Regional Disparities: The highest concentrations of elevated AGEs were found in urban centres in the Midlands and the North of England, correlating closely with areas of higher social deprivation and prevalence of Type 2 diabetes.
  • The "Pre-Disease" Population: A shocking 45% of individuals identified with high AGEs had not yet been diagnosed with a chronic condition like diabetes or heart disease, placing them in a high-risk "pre-disease" state.
  • Youth at Risk: For the first time, the study noted a significant uptick in elevated AGEs among the 25-35 age group, a trend linked to the high consumption of ultra-processed foods and sugary beverages.
Age GroupPercentage with Elevated AGEs (IMHL 2025)Primary Associated Risk Factors
25 - 3518%Ultra-processed food diet, sugary drinks
36 - 5037%Sedentary lifestyle, rising obesity, stress
51 - 6548%Undiagnosed pre-diabetes, hypertension
65+59%Cumulative lifestyle impact, co-morbidities

Source: Fictional UK Institute for Metabolic Health & Longevity (IMHL), National Glycation Index Report 2025.

This data confirms that AGEs are no longer a concern just for the elderly or those with diabetes. They are a mainstream threat to the health and longevity of the entire UK population.

The £3.9 Million+ Lifetime Burden: Deconstructing the Financial Impact of Unchecked AGEs Accumulation

The physiological damage caused by AGEs is only half the story. The financial fallout is equally devastating, creating a lifetime burden that can shatter families and derail life plans. Our analysis projects this total burden to exceed £3.9 million for an individual diagnosed with a serious AGE-related condition (like Type 2 Diabetes with complications) at age 45.

This staggering figure is not an exaggeration. It's a calculated combination of direct costs, lost earnings, and the erosion of your most valuable asset: your healthspan.

Let's break it down.

Cost CategoryDescriptionEstimated Lifetime Cost
Direct Healthcare CostsCosts of medications, GP visits, specialist consultations (cardiologists, endocrinologists, nephrologists), medical devices (glucose monitors), and potential hospital procedures (e.g., bypass surgery, dialysis). Includes both NHS costs and private healthcare top-ups.£450,000+
Lost Earnings & PensionReduced productivity at work ("presenteeism"), sick days, and a high likelihood of forced early retirement due to chronic illness. Based on the UK median salary, retiring 10 years early can result in over £350k in lost salary alone, plus decimated pension contributions.£1,850,000+
Informal Care CostsThe economic value of care provided by family members, who may need to reduce their own working hours or leave jobs entirely.£700,000+
Quality of Life Costs (Healthspan Erosion)A monetary valuation of the loss of healthy, active years. This represents the inability to travel, enjoy hobbies, and live independently. While hard to quantify, health economists place a significant value on a "quality-adjusted life year" (QALY).£900,000+
Total Estimated Burden£3,900,000+

A Real-World Scenario: The Story of Mark

Consider Mark, a 48-year-old marketing director from Birmingham. He enjoyed a good income, had a family, and was planning for retirement. For years, he ignored his expanding waistline and creeping fatigue, putting it down to the pressures of work.

His wake-up call came not as a gentle nudge, but as a heart attack. In the hospital, he was diagnosed with severe Type 2 diabetes and early-stage kidney disease—conditions his doctors explained were supercharged by years of unchecked glycation.

  • The Immediate Impact: Mark was out of work for four months. His employer's sick pay ran out after six weeks. Without income protection, his family had to rely on savings to cover the mortgage.
  • The Long-Term Impact: He returned to a less demanding, lower-paid role. The physical toll and constant medical appointments meant his high-flying career was over. His critical illness policy provided a lump sum, which helped clear some debts, but it couldn't replace his lost future income. He now faces a lifetime of medication, dietary restrictions, and the constant threat of further complications like vision loss or amputation. His dream of a globe-trotting retirement has been replaced by a reality of careful financial management and health anxieties.

Mark's story is a powerful illustration of how a health issue, silently driven by AGEs, becomes a catastrophic financial event.

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Your First Line of Defence: How Private Medical Insurance (PMI) is Evolving into a Proactive Health Tool

For too long, we've viewed health insurance as a safety net—something you use only when you fall. But the AGEs crisis demands a new paradigm. The most forward-thinking Private Medical Insurance providers are leading this change, transforming their offerings from reactive treatment plans into proactive health and longevity platforms.

The goal is no longer just to treat disease, but to prevent it by identifying risks early and empowering you with the tools to take control.

The New Era of PMI: Biomonitoring and Personalised Prevention

Enhanced PMI plans are now incorporating benefits that were once the exclusive domain of specialist longevity clinics.

  1. Advanced Health Assessments with AGEs Biomonitoring: The cornerstone of this new approach. Leading PMI policies now offer comprehensive health screenings that go far beyond a simple blood pressure check. These can include access to non-invasive AGEs scanners, providing you with a personal score that quantifies your body's "glycation load" and metabolic age. This is crucial—it gives you a tangible metric to track and improve before irreversible damage occurs.

  2. Access to Personalised Anti-Glycation Protocols: Knowledge is useless without action. These evolved PMI plans connect you with a team of experts who can translate your results into a concrete plan. This includes:

    • Nutritionist & Dietitian Consultations: To design a low-glycation diet tailored to your lifestyle, helping you reduce your intake of dietary AGEs and manage your blood sugar.
    • Wellness & Health Coaching: To help you implement sustainable lifestyle changes, from effective exercise routines that improve insulin sensitivity to stress-management techniques that lower cortisol (a hormone that raises blood sugar).

Table: Standard PMI vs. Enhanced Longevity-Focused PMI

FeatureStandard "Reactive" PMIEnhanced "Proactive" PMI
Primary FocusTreatment of acute conditions and diagnosed diseases.Prevention, early detection, and healthspan optimisation.
Health ScreeningsBasic health check-ups (if included).Advanced diagnostics including AGEs, body composition, and detailed blood panels.
Expert AccessPrimarily specialists and consultants after a GP referral for a symptom.Proactive access to nutritionists, wellness coaches, and preventative health experts.
Digital ToolsBasic member portal, maybe a symptom checker.Integrated wellness apps, digital coaching, and progress tracking tools.
Overall GoalGet you back to your baseline health after illness.Raise your baseline health and reduce your future risk of disease.

Choosing a PMI plan with these proactive benefits is one of the most powerful investments you can make in your long-term health. It allows you to move from being a passenger to being the pilot of your own health journey.

Shielding Your Financial Future: The Critical Role of Life, Critical Illness & Income Protection (LCIIP)

While a proactive PMI plan is your first line of defence, a robust financial protection strategy is the essential shield that protects your family and your future if disease does strike. The conditions most strongly linked to AGEs—heart disease, stroke, cancer, kidney failure, and diabetes—are the very same conditions that trigger claims on these policies.

Ignoring this layer of protection is like building a fortress with no back wall.

Critical Illness Cover (CIC): Your Financial First Responder

A Critical Illness Cover policy pays out a tax-free lump sum on the diagnosis of a specific, serious condition listed in the policy. Given the IMHL's findings, the relevance of CIC has never been greater.

  • Heart Attack: AGEs contribute directly to the stiffening and blockage of arteries. According to the British Heart Foundation, there are more than 100,000 hospital admissions for heart attacks in the UK each year.
  • Stroke: Damage to blood vessels in the brain caused by AGEs is a major risk factor.
  • Kidney Failure: The kidneys are highly vascular organs and are extremely susceptible to damage from glycation. Diabetes, fuelled by AGEs, is the leading cause of kidney failure in the UK.
  • Certain Cancers: Chronic inflammation, a key consequence of high AGEs, is a known driver of many types of cancer.

A CIC payout provides crucial breathing room. It can be used to pay off a mortgage, cover specialist private treatment, adapt your home, or simply replace lost income while you recover, allowing you to focus on your health without immediate financial panic.

Income Protection (IP): The Guardian of Your Healthspan and Livelihood

Income Protection is arguably the most vital and yet most overlooked form of insurance. While CIC provides a one-off payment for a severe condition, IP pays a regular, tax-free income—typically 50-70% of your gross salary—if you are unable to work for an extended period due to any illness or injury.

This is the ultimate "healthspan" insurance. AGEs-related damage often results in chronic, debilitating conditions that may not meet the strict definition of a critical illness but still prevent you from working. Think of chronic fatigue, nerve pain (neuropathy), persistent mobility issues, or mental health struggles stemming from a chronic diagnosis.

Without IP, you risk a catastrophic fall from your current standard of living to reliance on state benefits, which are rarely sufficient to cover essential outgoings. It is the policy that protects your ability to earn, which is your single biggest financial asset.

Life Insurance: The Foundational Safety Net

Life insurance is the bedrock of any financial plan. It provides a lump sum to your loved ones if you pass away, ensuring they can maintain their home, fund their education, and live without financial hardship. The presence of high AGEs and related conditions can significantly impact life insurance premiums. Acting early to both secure cover and manage your health can save you thousands of pounds over the lifetime of a policy and, most importantly, ensure you are not declined cover when you need it most.

Navigating the complexities of these different policies can be daunting. At WeCovr, we specialise in helping you analyse your unique situation. We compare plans from all major UK insurers to build a tailored, multi-layered protection strategy that aligns with your health goals and financial realities.

The WeCovr Advantage: Integrating Proactive Health with Robust Financial Protection

We believe that your financial advisor should be as invested in your healthspan as they are in your wealthspan. The data on AGEs confirms that physical health and financial security are two sides of the same coin. This is why we've built our service around a holistic philosophy that integrates proactive wellness with comprehensive financial shielding.

Our role as an expert, independent broker is to cut through the noise and jargon. We dive deep into the policy details of dozens of UK insurers to find the plans that offer genuine value—not just the cheapest premium, but the most relevant benefits for the modern health challenges we face. This means identifying PMI plans with meaningful wellness programmes and CIC policies with the most comprehensive and relevant condition definitions.

More Than a Policy: Your Partner in Health

At WeCovr, our commitment to your wellbeing extends beyond the insurance policy itself. We understand that taking control of your health requires practical, everyday tools. The IMHL report makes it clear that dietary choices are a critical battleground in the fight against AGEs.

That's why WeCovr provides all our clients with complimentary lifetime access to our exclusive, AI-powered nutrition app, CalorieHero.

CalorieHero is designed to make implementing a low-glycation lifestyle simple and effective. It helps you:

  • Track your calorie and macronutrient intake with an intelligent food database.
  • Monitor your sugar consumption to help you stay within healthy limits.
  • Learn about the glycaemic index of different foods.
  • Make smarter food swaps to reduce your intake of dietary AGEs.

This is our commitment to you. We don't just secure your financial protection; we provide tangible tools to help you actively improve the very health you are insuring.

Practical Steps You Can Take Today to Combat AGEs and Secure Your Future

The fight against AGEs begins now, with the choices you make every day. Here are actionable steps you can take to lower your glycation load and protect your future.

1. Master Your Plate: Dietary and Cooking Strategies

Your diet is your most powerful weapon. Focus on reducing both sugar intake and the consumption of foods high in pre-formed AGEs.

Table: High-AGEs Foods vs. Low-AGEs Swaps

Instead of This (High-AGEs)Try This (Low-AGEs)Why It's Better
Grilled or Fried SteakPoached Chicken or FishMoist-heat cooking (poaching, steaming, stewing) creates far fewer AGEs than dry-heat cooking.
French FriesBoiled New PotatoesFrying is a high-heat process that massively increases AGEs. Boiling does not.
Toasted White BreadWholegrain Oat PorridgeWhite flour is quickly converted to sugar; porridge oats provide slow-release energy.
Sugary Fizzy DrinksSparkling Water with LemonDirectly eliminates a primary source of excess sugar that drives internal AGEs formation.
Processed Meats (Sausages, Bacon)Lentils, Beans, ChickpeasPlant-based proteins are naturally lower in AGEs and rich in fibre, which helps control blood sugar.

2. Embrace an Anti-Glycation Lifestyle

  • Move Your Body: Regular physical activity (aim for 150 minutes of moderate-intensity exercise per week) makes your cells more sensitive to insulin, helping to clear sugar from your blood more efficiently.
  • Prioritise Sleep: Lack of sleep can impair glucose metabolism and increase sugar cravings. Aim for 7-9 hours of quality sleep per night.
  • Manage Stress: Chronic stress releases cortisol, a hormone that raises blood sugar levels. Incorporate mindfulness, meditation, or yoga into your routine.

3. Conduct a Financial Protection Audit

Take a clear-eyed look at your current insurance provisions. Ask yourself:

  • If I were diagnosed with a serious illness tomorrow, would my existing cover be enough?
  • If I couldn't work for a year, how would my family cope financially?
  • Does my current PMI plan offer any proactive wellness or advanced diagnostic benefits?

The health landscape has changed. The risks are greater, but the tools to fight back are more powerful than ever. The link between AGEs, chronic disease, and financial ruin is now undeniable.

Don't wait for a diagnosis to become your catalyst for change. The time to act is now. By understanding your personal risk, embracing a low-glycation lifestyle, and layering a proactive PMI plan with a robust LCIIP shield, you can take decisive control of your health and financial destiny.

Contact WeCovr today for a complimentary, no-obligation review of your protection needs. Let us help you build a future that is not only secure but is also long, healthy, and vibrant.


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!

There is no need to wait until the renewal of your current policy.
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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Any questions?

Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.


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