UK 2025: Untreatable Infections & Your PMI Shield
UK 2025: The Shocking Reality of Common Infections Becoming Untreatable, Leading to a £1M+ Lifetime Burden of Prolonged Illness, Organ Failure, and Preventable Deaths. Discover Your Private Medical Insurance (PMI) Pathway to Advanced Infection Control and LCIIP, Safeguarding Your Vulnerable Future.
UK 2025 Shock: Common Infections Becoming Untreatable, Fueling a £1M+ Lifetime Burden of Prolonged Illness, Organ Failure & Preventable Deaths – Your PMI Pathway to Advanced Infection Control & LCIIP Shielding Your Vulnerable Future
A simple urinary tract infection (UTI). A scraped knee from a weekend cycle. A routine hip replacement to restore mobility. For generations, we’ve taken for granted that a course of antibiotics will resolve these common medical events. But we are standing on the precipice of a new, alarming era in public health. By 2025, the UK is facing a future where these simple infections could become untreatable, spiralling into life-threatening crises.
This isn't science fiction. It's the stark reality of Antimicrobial Resistance (AMR), a silent pandemic creeping into our hospitals and communities. The UK Health Security Agency (UKHSA) has already warned that AMR is a "hidden pandemic" that could make common medical procedures and cancer treatments too dangerous to perform. In 2022, an estimated 58,224 people in England had an antibiotic-resistant infection, a rise of 4% from the previous year. This is not a distant threat; it is here, and it is growing.
The consequences are devastating, creating a potential lifetime burden exceeding £1 million through a devastating combination of prolonged illness, multiple organ failure, preventable deaths, and catastrophic financial loss. This article is your definitive guide to understanding this threat and, crucially, how you can build a robust shield using Private Medical Insurance (PMI) and a suite of protection policies (Life, Critical Illness, and Income Protection - LCIIP) to safeguard your health, your wealth, and your family's future.
What is Antimicrobial Resistance (AMR)? Unpacking the UK's Ticking Time Bomb
At its core, Antimicrobial Resistance (AMR) occurs when germs like bacteria, fungi, and viruses evolve to defeat the drugs designed to kill them. When we talk about antibiotic resistance, we are referring specifically to bacteria becoming impervious to the antibiotics we rely on.
For decades, these miracle drugs have been the bedrock of modern medicine. They've made complex surgeries, chemotherapy, and organ transplants possible. But our overuse and misuse of these precious resources, both in human medicine and agriculture, has accelerated this natural evolutionary process at a terrifying rate. Bacteria are smart; they adapt to survive, and they are out-pacing our ability to develop new, effective drugs.
The UK is far from immune. Consider these sobering statistics:
- Rising Fatalities: The O'Neill Review on AMR, a landmark UK-commissioned report, projected that by 2050, AMR could cause 10 million deaths globally per year – more than cancer and diabetes combined. The UK is a significant contributor to this global crisis.
- Bloodstream Infections: The UKHSA's 2023 report highlighted a concerning 8.9% increase in antibiotic-resistant bloodstream infections between 2018 and 2022. These are among the most dangerous types of infection.
- Everyday Threats: Common bacteria like E. coli, the primary cause of UTIs and a frequent source of sepsis, are showing increasing levels of resistance to key antibiotics. What was once treatable with a simple GP prescription now risks becoming a complex hospital emergency.
This escalating resistance transforms manageable health issues into severe, life-altering events.
| Infection Type | Common Pathogen | Pre-AMR Treatment Pathway | 2025 Post-AMR Challenge |
|---|---|---|---|
| Urinary Tract Infection (UTI) | E. coli | Simple oral antibiotics from a GP. | Failure of first- and second-line drugs, requiring IV antibiotics in hospital. Risk of kidney infection (pyelonephritis) and sepsis. |
| Pneumonia | Streptococcus pneumoniae | Standard course of oral or IV antibiotics. | Increased hospitalisation, longer ICU stays, higher risk of lung failure and death, especially in the vulnerable. |
| Skin/Wound Infection | Staphylococcus aureus (incl. MRSA) | Topical or oral antibiotics. | Infection spreads rapidly, potentially entering the bloodstream (bacteraemia) leading to systemic shock and organ damage. |
| Sepsis | Multiple pathogens | Urgent administration of broad-spectrum IV antibiotics. | Standard antibiotics are ineffective. A race against time to find a drug that works as organs begin to shut down. |
The Alarming Human Cost: How AMR Transforms Minor Ailments into Major Traumas
The true horror of AMR isn't found in statistics, but in the human stories behind them. It's the transformation of a curable condition into a chronic, debilitating battle that ravages the body, mind, and spirit.
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Prolonged, Agonising Illness: An infection that should have cleared in a week now lingers for months. This means extended hospital stays, often in isolation wards. The average NHS hospital stay is around 5.5 days; for a complex, resistant infection, this can stretch to weeks or even months of gruelling treatment cycles with toxic, last-resort drugs that carry their own severe side effects.
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The Domino Effect of Organ Failure: Uncontrolled infections frequently lead to sepsis. Sepsis is the body's over-reactive and life-threatening response to an infection. It can cause a catastrophic drop in blood pressure (septic shock), leading to insufficient blood flow to vital organs. The kidneys are often the first to fail, followed by the lungs, liver, and heart. This isn't a single illness; it's a systemic collapse.
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Modern Medicine in Jeopardy: The safety of much of modern medicine hinges on our ability to control infection. Without effective antibiotics:
- Cancer Treatment: Chemotherapy weakens the immune system, making patients highly susceptible to infections. AMR makes this life-saving treatment a high-stakes gamble.
- Surgery: Joint replacements, C-sections, and organ transplants would become fraught with a high risk of fatal post-operative infections.
- Chronic Conditions: People with diabetes or cystic fibrosis are at a higher risk of infections that could become untreatable.
A Glimpse into the Future: David's Story
Consider a plausible near-future scenario. David, a 48-year-old self-employed consultant, undergoes a routine knee arthroscopy. A few days later, the surgical site becomes red, swollen, and excruciatingly painful. His GP prescribes a standard antibiotic, but it has no effect. Within 48 hours, David is rushed to A&E with a raging fever and diagnosed with sepsis caused by a drug-resistant staphylococcus infection.
His journey becomes a nightmare:
- ICU Admission: He spends three weeks in the Intensive Care Unit on a ventilator as doctors try multiple, powerful IV antibiotics.
- Kidney Failure: The sepsis damages his kidneys, requiring temporary dialysis.
- Multiple Surgeries: Surgeons have to repeatedly debride (remove) the infected tissue from his knee.
- Long Recovery: He spends another two months in the hospital, followed by a year of intensive physiotherapy.
- The Aftermath: David can no longer work in his old capacity due to chronic pain and fatigue. His business folds. The mental toll on him and his family is immense. His minor surgery has resulted in a life-changing disability.
This is the human cost of AMR.
The Staggering Financial Burden: Calculating the £1 Million+ Lifetime Cost
David's health crisis is mirrored by a financial catastrophe. The often-quoted "£1 million burden" is not an exaggeration when you meticulously break down the lifelong financial impact of a severe AMR-related illness.
- Devastating Loss of Income: This is the largest component. For someone like David, earning an average professional salary, being unable to work for the rest of their career can represent a colossal loss. A 45-year-old earning £60,000 per year could lose over £1,200,000 in gross income by age 65.
- Spiralling Private Healthcare Costs: While the NHS provides incredible care, it is under immense pressure. Facing long waits or seeking novel treatments not yet available on the NHS can lead to significant private costs for specialist consultations, advanced diagnostics, or experimental phage therapy.
- The High Cost of Long-Term Care: Severe disability may necessitate professional carers, either at home or in a residential facility. The average cost of a home care worker is £20-£30 per hour. Full-time care can easily exceed £60,000 per year. Home modifications like ramps, stairlifts, and wet rooms can add tens of thousands more.
- Erosion of Future Wealth: Pension contributions cease, savings are depleted to cover living costs, and the financial security built over a lifetime evaporates.
Here’s a conservative breakdown of how these costs can accumulate over a lifetime following a severe, disabling resistant infection.
| Cost Category | Estimated Lifetime Cost (Low End) | Estimated Lifetime Cost (High End) | Notes |
|---|---|---|---|
| Lost Earnings | £500,000 | £1,500,000+ | Based on age, salary, and inability to return to work. |
| Private Medical/Therapy | £25,000 | £100,000+ | Specialist consultations, physio, novel treatments. |
| Home Modifications | £15,000 | £75,000 | Ramps, stairlifts, adapted bathrooms and kitchens. |
| Professional Care | £250,000 | £800,000+ | Based on 20-40 hours/week of care over 15-20 years. |
| Mental Health Support | £5,000 | £20,000 | Therapy for patient and family to cope with trauma. |
| Lost Pension Value | £100,000 | £300,000+ | Based on cessation of contributions and fund growth. |
| Total Lifetime Burden | £895,000 | £2,800,000+ | A catastrophic financial impact on the individual and their family. |
Your First Line of Defence: The PMI Pathway to Advanced Infection Control
While the NHS is a national treasure, in the fight against a fast-moving resistant infection, speed and access to specialised resources are paramount. This is where Private Medical Insurance (PMI) transitions from a 'nice-to-have' to a critical component of your health security.
PMI offers a parallel pathway that can provide crucial advantages when facing an AMR-related crisis.
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Rapid and Advanced Diagnostics: The key to beating a resistant bug is identifying it—and its specific resistance pattern—as quickly as possible. PMI can provide immediate access to advanced molecular diagnostic tests that can deliver results in hours, not days. This allows consultants to select the correct, targeted antibiotic from the outset, rather than losing precious time on trial-and-error with broad-spectrum drugs.
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Access to Leading Specialists: PMI allows you to bypass lengthy waiting lists and get an immediate referral to a leading consultant in infectious diseases or microbiology. These are the experts on the front line of the AMR battle, with knowledge of the latest treatment protocols and novel therapies.
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Choice of High-Quality Hospital: A significant number of serious resistant infections, like MRSA, are acquired in hospital. PMI gives you the choice of being treated in a private hospital, which often boasts excellent infection control records, and crucially, provides a private room as standard. A private room dramatically reduces the risk of cross-contamination and provides a quiet, restful environment essential for recovery.
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Access to New and Specialist Drugs: Some of the newest, most potent antibiotics are not yet approved by the National Institute for Health and Care Excellence (NICE) for routine NHS use due to their high cost. Certain comprehensive PMI policies may provide cover for these 'last-resort' drugs when recommended by a specialist, offering a vital lifeline when all else has failed.
Navigating the complexities of PMI policies to ensure you have coverage for these advanced diagnostics and treatments can be daunting. At WeCovr, we help you compare plans from the UK's leading insurers, ensuring you understand the fine print regarding infection control and access to specialist care.
| Feature | Typical NHS Pathway | Enhanced PMI Pathway |
|---|---|---|
| Diagnostics | Standard culture tests (can take 48-72 hours). | Rapid molecular diagnostics (results in hours), enabling targeted therapy. |
| Specialist Access | Referral process can take weeks or months. | Immediate access to a consultant infectious disease specialist. |
| Hospital Choice | Admission to the nearest available NHS hospital. | Choice of private or NHS hospital; private room is standard. |
| Treatment Options | Follows NICE guidelines; newer drugs may be restricted. | Potential access to non-NICE approved drugs on specialist advice. |
| Recovery Environment | Potentially on a busy, open ward. | Private, en-suite room, minimising cross-infection risk. |
The Ultimate Financial Safety Net: How LCIIP Shields Your Future from AMR
If PMI is your sword to fight the medical battle, then Life, Critical Illness, and Income Protection (LCIIP) is your impenetrable shield against the devastating financial fallout. While PMI covers the cost of treatment, LCIIP is designed to protect your entire financial world when your health fails.
Critical Illness Cover: A Financial First Responder
Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with one of a list of predefined serious conditions. Many of the most severe consequences of a resistant infection are covered conditions on a comprehensive policy.
The payout acts as a financial 'first responder', giving you immediate capital to handle the crisis. You could use it to:
- Clear your mortgage, removing your biggest monthly outgoing.
- Adapt your home for a new disability.
- Pay for private medical treatments or rehabilitation not covered by PMI.
- Provide a financial cushion for your family while you focus on recovery.
| Critical Illness | How it Relates to an Untreatable Infection | How the Payout Helps |
|---|---|---|
| Kidney Failure | A common outcome of sepsis caused by a resistant infection. | Covers income loss during dialysis, travel to hospital, or costs relating to a transplant. |
| Heart Attack / Stroke | Sepsis can cause blood clots or severe low blood pressure, leading to heart attack or stroke. | Provides funds for recovery, rehabilitation and lifestyle changes post-event. |
| Major Organ Transplant | A last resort if an organ is irreversibly damaged by infection. | The lump sum can cover time off work, post-op care, and financial support for the family. |
| Sepsis with Septic Shock | Some advanced policies now explicitly list severe sepsis as a standalone condition. | An immediate cash injection to handle the financial chaos that ensues from an ICU admission. |
Income Protection: Your Financial Lifeline
Arguably the single most important policy in the face of a long-term illness, Income Protection is designed to do one thing: replace your monthly salary if you are unable to work due to sickness or injury.
AMR-related conditions are rarely a short-term affair. The recovery can be a long, gruelling road marked by chronic fatigue, pain, and psychological trauma, making a return to full-time work impossible for months or even years. Income Protection pays you a regular, tax-free income until you can either return to work, or until your chosen retirement age. It is the policy that keeps the lights on, pays the bills, and allows your family to maintain their standard of living. It prevents a health crisis from becoming a full-blown financial disaster.
Life Insurance: The Ultimate Backstop
In the most tragic circumstances, where a resistant infection proves fatal, Life Insurance provides a vital safety net for the loved ones you leave behind. It pays out a tax-free lump sum on death, which your family can use to:
- Pay off the mortgage and other debts.
- Cover funeral expenses.
- Provide for children's future education.
- Replace your lost income, giving them financial stability at the most difficult of times.
Building Your Armour: A Synergistic Approach with WeCovr
These policies are not standalone solutions; they are interlocking components of a comprehensive defensive strategy against the threat of AMR.
- PMI pays for the best possible fight to get you better, faster.
- Income Protection replaces your salary while you are fighting that battle.
- Critical Illness Cover provides a capital injection to deal with major life changes if the battle causes lasting damage.
- Life Insurance protects your family’s financial future if, despite everything, the battle is lost.
At WeCovr, we don't just sell policies; we help you build a personalised fortress of protection. Our expert advisors understand how these different types of cover interact and can tailor a package that addresses your specific vulnerabilities, from your health to your finances. We simplify the process of comparing the entire market to find the most robust and cost-effective solutions for you and your family.
What's more, as a WeCovr customer, you receive complimentary access to our AI-powered nutrition app, CalorieHero. We believe that proactive health management is a key part of long-term wellbeing, and this is just one way we go above and beyond to support our clients' health journeys, helping them stay in the best possible shape to fight off infections.
Frequently Asked Questions (FAQ)
Q1: Isn't AMR a problem for the distant future? Why should I act now? A: The data shows AMR is a clear and present danger. The UKHSA reports that resistant infections are rising now. The time to secure insurance is when you are healthy. Waiting until you have a health issue can make cover more expensive or even unobtainable. Acting now locks in your protection for the future.
Q2: Won't the NHS be able to treat me? A: The NHS provides excellent emergency care. However, it operates under immense strain with resource and budget limitations set by NICE. PMI and protection insurance are not a replacement for the NHS, but a supplement that provides you with more options, faster access, and a financial safety net the NHS is not designed to offer.
Q3: I'm young and healthy. Do I really need this level of cover? A: Resistant infections can strike anyone at any age after a minor injury or routine procedure. Younger people have the most to lose financially, as they have more years of potential income at risk. Furthermore, securing cover when you are young and healthy is significantly cheaper.
Q4: Will a history of minor infections make it harder to get insurance? A: Not necessarily. Insurers are concerned with chronic or serious conditions. A history of common, resolved infections is unlikely to be an issue. It is vital to disclose your full medical history honestly. A specialist broker can help you navigate the application process.
Q5: How much does this comprehensive protection cost? A: The cost varies hugely based on your age, health, occupation, and the level of cover you choose. However, a comprehensive package is often more affordable than people think, especially when compared to the potential £1M+ financial loss it protects against. A 35-year-old non-smoker could secure meaningful cover for less than the cost of a daily coffee.
Q6: What is the first step to getting protected? A: The first step is to speak with an independent protection expert. They can conduct a thorough review of your personal and financial circumstances and recommend a tailored strategy. They will then research the entire market to find the best policies at the most competitive prices for you.
Taking Control in an Uncertain Future
The rise of antimicrobial resistance is one of the greatest threats to public health and personal security we will face in our lifetimes. It threatens to unwind a century of medical progress, turning everyday ailments into life-or-death struggles with ruinous financial consequences.
But you are not powerless. While we cannot individually stop the spread of AMR, we can take decisive action to insulate ourselves and our families from its worst impacts. By strategically layering Private Medical Insurance with a robust Life, Critical Illness, and Income Protection plan, you create a 360-degree shield.
This isn't about fear; it's about foresight. It's about taking control of your future in an uncertain world. Don't wait for a personal health crisis to reveal gaps in your defences. The time to build your fortress is now, on the solid ground of good health. Speak to an expert, understand your options, and secure the peace of mind that comes from knowing you are comprehensively protected, no matter what the future holds.
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!