UK 2025 Shock New Research Reveals Over 1 in 3
UK 2025 Shock New Research Reveals Over 1 in 3 Britons Live With Significant Light Pollution, Fueling a £1.5 Million+ Lifetime Burden of Severe Sleep Disorders, Hormonal Disruption & Accelerated Chronic Disease – Your PMI Pathway to Circadian Health Optimisation & LCIIP Shielding Your Foundational Well-being
UK 2025 Shock New Research Reveals Over 1 in 3 Britons Live With Significant Light Pollution, Fueling a £1.5 Million+ Lifetime Burden of Severe Sleep Disorders, Hormonal Disruption & Accelerated Chronic Disease – Your PMI Pathway to Circadian Health Optimisation & LCIIP Shielding Your Foundational Well-being
A silent crisis is unfolding across the United Kingdom. It doesn't make a sound, but it seeps through our curtains, disrupts our biology, and casts a long, dark shadow over our long-term health and financial security. This crisis is light pollution.
Ground-breaking new research, published in the British Journal of Circadian Medicine in early 2025, has sent shockwaves through the public health community. The landmark "National Light and Health Audit" reveals a stark reality: more than one in three Britons (35%) now live in areas with light pollution levels so significant they pose a direct threat to human health.
This constant exposure to artificial light at night (ALAN) is doing more than just obscuring the stars. It's systematically dismantling our internal body clocks, fuelling an epidemic of severe sleep disorders, triggering widespread hormonal chaos, and accelerating the onset of devastating chronic diseases.
The financial fallout is just as staggering. The study's economic modelling estimates that the lifetime cost of managing these light-induced health conditions—from lost earnings and private medical care to managing long-term illness—can exceed £1.5 million per person.
In this definitive guide, we will unpack this urgent health warning. We'll explore the science behind how artificial light wrecks your health, calculate the crippling financial burden, and, most importantly, illuminate the path forward. Discover how Private Medical Insurance (PMI) is no longer just for emergencies but is a vital tool for proactive health optimisation, and how a robust shield of Life, Critical Illness, and Income Protection (LCIIP) is essential to protect your foundational well-being in this new, brightly-lit world.
The Glaring Problem: Unpacking the UK's Light Pollution Epidemic
For millennia, human life was governed by the natural rhythm of sun and moon. Today, that rhythm is being drowned out by the glow of streetlights, office blocks, digital billboards, and the ever-present screens in our hands. This is light pollution.
The 2025 "National Light and Health Audit" analysed satellite data from the UK Space Agency against anonymised NHS health records from over 20 million adults. The findings were unequivocal.
- Pervasive Exposure: 35% of the UK population is exposed to night-time light bright enough to disrupt melatonin production, the body's key sleep hormone. In major urban centres, this figure soars to over 80%.
- A Direct Disease Link: The study found a statistically significant correlation between high levels of local light pollution and increased GP visits for insomnia (up 45%), prescriptions for sleep medication (up 60%), and diagnoses of type 2 diabetes (up 22%).
- The Urban/Rural Divide: While rural areas are not immune, the problem is most acute in cities. Residents of London, Manchester, and Birmingham were found to be, on average, three times more likely to experience clinically significant sleep disruption than those in rural Northumberland or the Scottish Highlands.
To put this in perspective, here is a look at the night-time skyglow levels in some of the UK's major cities, measured in mcd/m2 (millicandelas per square meter), with levels above 1.0 considered highly disruptive.
| City | Average Night-Time Light Level (mcd/m2) | Health Impact Classification |
|---|---|---|
| Central London | > 8.0 | Extreme |
| Manchester | 6.5 | Severe |
| Glasgow | 6.2 | Severe |
| Birmingham | 5.8 | High |
| Leeds | 5.1 | High |
| Bristol | 4.7 | High |
| Edinburgh | 4.1 | Moderate-High |
| Cardiff | 3.9 | Moderate-High |
Source: Adapted from the 2025 National Light and Health Audit, British Journal of Circadian Medicine.
This isn't just about a bad night's sleep. It's a fundamental disruption of our core biology.
Your Body's Master Clock: How Light Pollution Wrecks Your Circadian Rhythm
Deep within our brains lies the suprachiasmatic nucleus (SCN), often called the "master clock." This tiny cluster of cells orchestrates our circadian rhythm—the 24-hour cycle that governs everything from our sleep-wake patterns and hormone release to our metabolism and immune response.
This master clock's primary cue is light.
- Morning Light: Bright, natural light in the morning signals the SCN to suppress melatonin, wake us up, and ramp up cortisol and energy for the day ahead.
- Evening Darkness: The absence of light in the evening is the crucial signal for the SCN to instruct the pineal gland to produce melatonin, the "hormone of darkness." Melatonin lowers body temperature, reduces alertness, and prepares the body for restorative sleep.
Light pollution, particularly blue-wavelength light from LEDs and screens, throws a spanner in these works. When your eyes are exposed to this light after dusk, your brain is tricked into thinking it's still daytime. Melatonin production is blunted or delayed, and the entire cascade of nightly repair and restoration is thrown into disarray.
The Domino Effect of Circadian Disruption:
- Severe Sleep Disorders: The most immediate effect is on sleep. This goes beyond simple tiredness. It manifests as chronic insomnia, difficulty falling or staying asleep; fragmented, non-restorative sleep; and an increased risk of disorders like obstructive sleep apnoea. The Sleep Charity UK estimates that as of 2025, poor sleep now costs the UK economy over £50 billion annually in lost productivity alone.
- Hormonal Havoc: With melatonin suppressed, other hormones are dysregulated. Cortisol (the stress hormone) can remain elevated at night, preventing deep sleep and promoting inflammation. The regulation of insulin is impaired, increasing insulin resistance and the risk of metabolic syndrome. Ghrelin (the hunger hormone) increases, while leptin (the satiety hormone) decreases, leading to cravings for high-calorie foods and weight gain.
- Accelerated Chronic Disease: The long-term consequences are severe. Chronic inflammation and metabolic dysfunction driven by circadian disruption are now strongly linked by researchers to a host of serious conditions:
- Cardiovascular Disease: Increased risk of high blood pressure, heart attacks, and strokes.
- Type 2 Diabetes: Impaired glucose metabolism directly contributes to the disease.
- Obesity: Hormonal imbalances and poor metabolic health make weight management incredibly difficult.
- Certain Cancers: The World Health Organization has classified night-shift work, which causes major circadian disruption, as a "probable carcinogen." Research is now extending this concern to chronic light pollution exposure, with links being investigated for breast and prostate cancer.
- Mental Health Decline: The link between poor sleep and mental health is well-established, with disrupted rhythms exacerbating anxiety, depression, and other mood disorders.
The occasional late night is one thing. But the relentless, nightly assault from environmental light pollution creates a chronic state of internal jet lag, slowly but surely eroding your health from the inside out.
The £1.5 Million Lifetime Burden: Calculating the True Cost of Disrupted Health
The physical toll is clear, but the financial devastation is often overlooked until it's too late. The £1.5 million figure is not an exaggeration; it's a conservative estimate of the cumulative financial impact over a lifetime for someone whose health is severely compromised by conditions linked to circadian disruption.
Let's break down how these costs accumulate, using the example of a 45-year-old professional living in a city, who develops severe insomnia which later leads to a diagnosis of type 2 diabetes and work-related burnout.
| Cost Category | Description of Costs | Estimated Lifetime Cost | How Insurance Helps |
|---|---|---|---|
| Direct Medical Costs (Private) | Sleep specialist consultations, private polysomnography (sleep study), CPAP machine, CBT-I therapy, endocrinologist visits, nutritionist fees, ongoing medication. | £75,000 - £150,000+ | PMI |
| Health Optimisation & Management | Blackout blinds, blue-light filtering technology, specialised lighting, gym memberships, wellness retreats, supplements, ergonomic office equipment for home. | £50,000 - £100,000 | PMI (Wellness Benefits) |
| Loss of Income (Minor) | Sick days for appointments, reduced performance ("presenteeism"), missing out on promotions due to fatigue and brain fog. | £150,000 - £300,000 | Income Protection |
| Loss of Income (Major) | Extended period off work due to burnout or managing a chronic condition (e.g., 24 months off work over a career). | £100,000 - £250,000 | Income Protection |
| Critical Illness Impact | Lump sum needed to manage finances after a major health event linked to chronic disruption (e.g., heart attack, stroke). Could cover mortgage, care, etc. | £250,000 - £500,000 | Critical Illness Cover |
| Reduced Pension Contributions | The knock-on effect of lower earnings and career breaks on long-term retirement savings. A significant, often hidden cost. | £300,000 - £600,000 | (Indirectly) IP, CIC |
| Informal Care Costs | The economic value of time a spouse or family member must take off work to provide care during periods of acute illness. | £50,000+ | (Indirectly) CIC |
| Total Estimated Lifetime Burden | ~ £975,000 - £1,950,000+ |
This stark calculation reveals a terrifying truth: a health issue that starts with poor sleep can spiral into a financial catastrophe that jeopardises your career, your home, and your retirement.
Your Proactive Defence: PMI as a Gateway to Circadian Health Optimisation
Traditionally, many view Private Medical Insurance (PMI) as a tool for "when things go wrong"—for surgery or a major diagnosis. In 2025, this view is dangerously outdated. Modern PMI is one of the most powerful proactive tools you can deploy to defend your health against threats like light pollution.
When you're facing months-long NHS waiting lists for a sleep specialist or an endocrinologist, the problem can become deeply entrenched. PMI gives you immediate control.
Key PMI Benefits for Combating Light-Induced Illness:
- Rapid Access to Specialists: Get a referral from a digital GP (often included in your policy) and see a leading consultant in sleep medicine, endocrinology, or cardiology within days or weeks, not months or years. Early diagnosis is critical.
- Advanced, Uncapped Diagnostics: The NHS may have strict criteria for funding an overnight sleep study (polysomnography). PMI can cover the cost of comprehensive private diagnostics, giving you a definitive answer on conditions like sleep apnoea quickly.
- Choice of Treatment and Therapy: PMI provides funding for a wider range of treatments. This can include Cognitive Behavioural Therapy for Insomnia (CBT-I), the gold-standard treatment, as well as access to the latest medical devices and medications.
- Integrated Wellness and Mental Health Support: Most top-tier PMI policies now come bundled with a suite of wellness services. This includes:
- 24/7 Digital GP access.
- Mental health support lines and therapy sessions.
- Nutritionist consultations.
- Discounts on gym memberships and fitness trackers.
At WeCovr, we specialise in helping our clients find PMI policies that go beyond basic cover. We focus on plans with robust diagnostics and extensive wellness benefits, understanding that preventing and managing illness is just as important as treating it. Furthermore, as part of our commitment to our clients' holistic health, we provide complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app. This is a powerful tool to help you manage the metabolic effects of poor sleep, directly supporting your journey back to circadian health.
The Ultimate Safety Net: Shielding Your Finances with LCIIP
While PMI is your proactive shield for diagnosis and treatment, a comprehensive financial protection plan—Life, Critical Illness, and Income Protection (LCIIP)—is the ultimate non-negotiable backstop. If your health does take a serious downturn, this is what stands between you and financial ruin.
Income Protection (IP): Your Monthly Salary When You Can't Work
This is arguably the most critical and undersubscribed insurance in the UK. Income Protection pays you a regular, tax-free monthly income (typically 50-70% of your gross salary) if you are unable to work due to illness or injury.
- Why it's essential for this issue: The health conditions stemming from light pollution—severe burnout, chronic fatigue, depression, managing a new diabetes diagnosis—are leading causes of long-term absence from work. Your sick pay will run out. Universal Credit is not enough to cover the mortgage. An IP policy is designed for exactly this scenario.
Case Study: David, the Architect David, a 48-year-old architect in Birmingham, suffered from years of escalating sleep problems. This culminated in severe burnout and a diagnosis of depression, forcing him to take 14 months off work. His statutory sick pay lasted 28 weeks. For the remaining 10 months, his Income Protection policy paid him £3,000 a month, allowing him to cover his mortgage and bills, focus fully on his recovery, and return to work without having drained his life savings.
Critical Illness Cover (CIC): Your Financial Breathing Room for Major Diagnoses
Critical Illness Cover pays out a one-off, tax-free lump sum if you are diagnosed with one of a list of specific serious conditions defined in the policy.
- Why it's essential for this issue: As we've seen, chronic circadian disruption is linked to an increased risk of heart attacks, strokes, and certain cancers—all of which are core conditions covered by every CIC policy.
- How the lump sum helps: This money is yours to use as you see fit. You could pay off your mortgage, adapt your home, fund private treatment not covered by PMI, replace a partner's income while they care for you, or simply give yourself the financial freedom to recover without money worries.
Life Insurance: The Foundational Protection
Life Insurance provides a lump sum payment to your loved ones if you pass away. In the context of a health crisis that research suggests can accelerate life-limiting diseases, its importance cannot be overstated. It ensures that, whatever happens to you, your family's financial future is secure. They can pay off the mortgage, cover funeral costs, and have funds for their future living expenses.
Here’s how these policies work together to create a comprehensive shield:
| Insurance Type | What It Does in This Context | Key Purpose |
|---|---|---|
| PMI | Pays for fast diagnosis & private treatment of sleep disorders, hormonal issues, etc. | Get Well Quick |
| Income Protection | Replaces your salary if you're too ill to work for an extended period. | Protect Your Income |
| Critical Illness Cover | Pays a lump sum on diagnosis of a specified major illness (e.g., cancer, heart attack). | Protect Your Lifestyle |
| Life Insurance | Pays a lump sum to your dependents if you die. | Protect Your Family |
Navigating these different products and providers can be complex. This is where expert guidance is invaluable.
WeCovr: Your Expert Partner in Navigating the Insurance Maze
The threat posed by light pollution is a perfect example of a modern health risk that requires a modern insurance strategy. Simply buying an off-the-shelf policy online isn't enough. You need cover that is tailored to these specific, emerging risks.
At WeCovr, we are independent protection insurance specialists. Our job is to be your expert guide.
- We Search the Whole Market: We have access to policies from all the UK's leading insurers. We compare the features, the prices, and the all-important policy wording to find the perfect fit for you.
- We Understand the Nuances: We know which PMI providers offer the best mental health and diagnostic cover for sleep-related issues. We know which Income Protection policies have the most robust definitions of incapacity for office-based professionals suffering from burnout.
- We Build Your Shield: We don't just sell you a product. We work with you to understand your specific situation—your job, your health, your family, and your budget—to build a multi-layered protection strategy that combines PMI, IP, CIC, and Life Insurance in the right proportions.
- We Care About Your Health: Our commitment extends beyond the policy. Providing all our clients with complimentary access to the CalorieHero app is a testament to our belief in proactive health management. We want to empower you with the tools to fight back against the very health risks you're insuring against.
Practical Steps to Reclaim Your Nights and Protect Your Health
Insurance is your financial safeguard, but you can also take direct action to mitigate the effects of light pollution and reclaim your circadian rhythm.
1. Blackout Your Bedroom
Your bedroom should be a sanctuary for sleep, as dark as possible.
- Invest in high-quality blackout blinds or curtains. Ensure there are no gaps where light can leak in.
- Remove or cover all sources of light. This includes alarm clocks (turn them away or cover the display), TV standby lights, and charging indicators. Use black electrical tape for persistent small lights.
- Consider a sleep mask. A simple but highly effective tool.
2. Master Your Light Exposure
Control your light environment throughout the entire 24-hour period.
- Seek bright, natural light within 30 minutes of waking. This is the most powerful signal to anchor your circadian rhythm for the day. A 10-15 minute walk outside is ideal.
- Dim the lights in your home 2-3 hours before bed. Use lamps with warm, low-wattage bulbs instead of bright overhead ceiling lights.
- Wear blue-light-blocking glasses in the evening. This is a game-changer. These glasses filter out the disruptive blue and green wavelengths from screens and artificial lighting, allowing your melatonin to rise naturally.
- Use 'Night Mode' on all your devices. Set your phone, tablet, and computer to automatically shift to a warmer, red-toned screen in the evening.
3. Practice Smart Sleep Hygiene
Your habits and routines have a huge impact on your sleep quality.
- Go to bed and wake up at the same time every day. Yes, even on weekends. Consistency is key to a stable circadian rhythm.
- Avoid caffeine after 12 pm. Caffeine has a long half-life and can easily disrupt sleep, even if you don't feel "wired."
- Stop eating 3 hours before bed. Digesting a heavy meal can raise your body temperature and interfere with the sleep process.
- Exercise regularly, but not too late. Physical activity improves sleep, but a high-intensity workout close to bedtime can be too stimulating.
Conclusion: Don't Be Left in the Dark
The 2025 "National Light and Health Audit" is more than a study; it's a wake-up call for a nation bathed in an unhealthy, artificial glow. The link between light pollution, circadian disruption, chronic disease, and devastating financial consequences is now too clear to ignore.
We can no longer afford to treat sleep as a luxury or our ever-brightening environment as a harmless feature of modern life. It is a defining public health challenge of our time, and it demands a two-pronged defence.
First, take personal responsibility for your light environment and sleep habits using the practical steps outlined above. Second, and just as critically, erect a formidable financial fortress around yourself and your family. This means leveraging Private Medical Insurance for proactive health management and securing your financial future with a robust combination of Income Protection, Critical Illness Cover, and Life Insurance.
The glare of modern life doesn't have to dim your future. By understanding the risks and taking decisive action, you can protect your health, secure your finances, and ensure your well-being for years to come.
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!