UK Blood Sugar Crisis Half of Britons At Risk
UK 2025 Shock New Data Reveals Over Half of Britons Are Secretly Living with Undiagnosed Blood Sugar Imbalance, Fueling a Staggering £4 Million+ Lifetime Burden of Type 2 Diabetes, Heart Disease, Dementia, & Eroding Family Futures – Is Your LCIIP Shield Your Unseen Defence Against This Metabolic Time Bomb
A silent health crisis is unfolding across the United Kingdom. New analysis for 2025 reveals a staggering and deeply concerning reality: over half of all British adults are now living with some form of blood sugar imbalance, from mild insulin resistance to full-blown prediabetes. Most are completely unaware they are at risk.
This isn't just a health headline; it's a ticking financial time bomb set to detonate within millions of households. This metabolic dysfunction is the primary driver behind the explosion in Type 2 diabetes, but its devastating reach extends much further. It is a key accelerant for heart disease, stroke, certain cancers, and even dementia, which is now increasingly referred to by scientists as 'Type 3 diabetes'.
The financial fallout is catastrophic. The lifetime cost of managing a chronic condition like Type 2 diabetes, including lost earnings, medical expenses, and care needs, is now estimated to exceed a shocking £4.2 million for a UK family over several decades. This is a burden that can dismantle life savings, derail retirement plans, and steal the future you've worked so hard to build for your loved ones.
In the face of this widespread, unseen threat, a robust financial shield is no longer a luxury—it's an absolute necessity. This guide will unpack the scale of the UK's blood sugar crisis, reveal the true financial dangers, and explain how a comprehensive Life, Critical Illness, and Income Protection (LCIIP) plan is your single most powerful defence against this pervasive modern-day plague.
The Silent Epidemic: Unpacking the UK's 2025 Blood Sugar Data
The figures are stark and paint a picture of a nation sleepwalking into a health catastrophe. For years, the focus has been on the 5 million people diagnosed with diabetes. However, recent data from sources including the NHS, ONS, and Diabetes UK, projected forward to 2025, shows this is merely the tip of a colossal iceberg.
The real story lies in the vast, undiagnosed population with prediabetes. This is the grey area where blood sugar levels are consistently higher than normal but not yet high enough for a Type 2 diabetes diagnosis. It's a silent warning signal that the body's metabolic machinery is under severe strain.
- Over 55% of UK Adults Affected: An estimated 30 million adults in the UK now have blood sugar levels in the prediabetic or insulin-resistant range.
- The "At-Risk" Age Plummets: While traditionally associated with over-40s, almost 40% of those aged 25-40 now exhibit early signs of metabolic dysfunction, driven by modern diets and sedentary lifestyles.
- A Ticking Clock: Without intervention, up to 30% of individuals with prediabetes will develop Type 2 diabetes within five years.
- Regional Hotspots: Areas with higher levels of deprivation show a correlation with blood sugar imbalance rates up to 15% higher than the national average, highlighting a stark health inequality.
UK Blood Sugar Imbalance Prevalence (Estimated, 2025)
| Age Group | Estimated Percentage with Imbalance | Key Contributing Factors |
|---|---|---|
| 18-24 | 25% | Sugary drinks, processed foods, inactivity |
| 25-40 | 40% | Sedentary jobs, stress, convenience diets |
| 41-60 | 65% | Cumulative lifestyle effects, hormonal changes |
| 60+ | 70% | Age-related insulin resistance, comorbidities |
This is a crisis of stealth. Unlike a broken bone or a sudden infection, blood sugar imbalance develops quietly over years, often with no obvious symptoms until irreversible damage has begun. It's a secret your body is keeping from you, and by the time the secret is out, your health and your financial future could already be in jeopardy.
What is Blood Sugar Imbalance and Prediabetes? A Simple Guide
To understand the threat, we need to demystify the science. Your body uses a hormone called insulin, produced by the pancreas, to move sugar (glucose) from your bloodstream into your cells for energy.
Think of insulin as a key and your cells as locked doors.
- Healthy Function: The insulin key fits the cell's lock perfectly, the door opens, and sugar enters to be used as fuel. Blood sugar levels remain stable.
- Insulin Resistance (The Start of the Problem): Due to factors like poor diet and lack of exercise, your cells become less responsive. It's like the lock on the door is getting rusty. The pancreas has to produce more insulin (more keys) to force the doors open.
- Prediabetes: The pancreas starts to struggle to keep up with the demand for more and more insulin. Sugar starts to build up in the bloodstream because the cells can't take it in efficiently.
- Type 2 Diabetes: The pancreas is exhausted. It can no longer produce enough insulin, or the cells are almost completely resistant. Blood sugar levels become dangerously and chronically high.
The crucial diagnostic tool is the HbA1c test. This blood test measures your average blood sugar levels over the past three months.
Understanding Your HbA1c Levels
| Status | HbA1c Level (mmol/mol) | What It Means |
|---|---|---|
| Normal | Below 42 | Your body is managing blood sugar effectively. |
| Prediabetes | 42 - 47 | Warning! You are at high risk of developing T2D. |
| Diabetes | 48 or above | You have Type 2 diabetes. |
While many people with prediabetes have no symptoms, some subtle signs might include:
- Persistent fatigue, especially after meals
- Increased thirst and frequent urination
- Blurred vision
- Slow-healing cuts or sores
- Tingling or numbness in hands or feet
The tragedy is that these symptoms are often dismissed as simple signs of ageing or stress, allowing the underlying condition to progress unchecked.
The £4 Million+ Domino Effect: How Blood Sugar Imbalance Derails Your Finances
The true cost of this crisis isn't measured in hospital beds alone, but in the slow, relentless erosion of a family's financial security. The eye-watering £4.2 million figure represents the potential lifetime financial impact on a family when a primary earner develops a chronic condition like Type 2 diabetes and its associated complications.
This isn't a single bill; it's a cascade of costs that accumulate over decades.
1. Direct Costs:
- Prescriptions: While some are subsidised, the cost of multiple medications for blood sugar, blood pressure, and cholesterol adds up.
- Specialist Equipment: Blood glucose monitors, test strips, and insulin pens.
- Appointments & Check-ups: Regular visits to GPs, endocrinologists, podiatrists, and ophthalmologists.
- Potential for Private Care: Long NHS waiting lists for associated procedures (e.g., cataract surgery, angioplasty) may lead many to dip into savings for private treatment.
2. Indirect Costs - The Real Financial Killer:
- Loss of Income: This is the single biggest financial threat. A serious health event or the daily grind of managing a chronic illness can lead to:
- Reduced working hours.
- Inability to perform a physically demanding job.
- Stagnated career progression.
- Forced early retirement.
- Carer's Costs: A spouse or partner may have to reduce their own work hours or give up their job entirely to provide care, slashing household income in half.
- Home & Lifestyle Adaptations: The cost of installing a stairlift, adapting a bathroom, or simply the increased cost of a specialised, healthy diet.
Hypothetical Case Study: The Financial Cascade
Meet Mark, a 48-year-old electrician and father of two. He's diagnosed with Type 2 diabetes, having unknowingly had prediabetes for a decade.
- Year 1: He struggles with fatigue and is diagnosed with diabetic neuropathy (nerve damage) in his feet, making long days on his feet painful and dangerous. He reduces his work to 3 days a week. Income drops by 40%.
- Year 3: His vision deteriorates due to retinopathy. He can no longer drive at night, limiting his ability to take on emergency call-out jobs. Income drops a further 10%.
- Year 5: He suffers a minor heart attack, a common complication. The recovery forces him to take three months off work, with only statutory sick pay. The family uses £10,000 of their savings to cover the mortgage.
- Year 10: Mark is forced to give up his trade entirely. His wife, who had returned to part-time work, now has to become his primary carer. Their joint household income is a fraction of what it was, and their retirement plans are in tatters.
This is how a health issue becomes a lifelong financial crisis. This is the domino effect that a robust Income Protection and Critical Illness policy is designed to stop dead in its tracks.
The Unseen Connection: Linking Blood Sugar to Heart Disease, Dementia, and Cancer
The danger of high blood sugar is that it acts like a corrosive agent throughout your body, damaging tissues and organs far beyond the pancreas. This is why a prediabetes diagnosis is a major red flag for some of life's most feared critical illnesses.
Heart Disease & Stroke: Chronically high blood sugar and insulin levels damage the delicate lining of your arteries (the endothelium). This creates inflammation and makes it easier for cholesterol to form dangerous plaques (atherosclerosis). These plaques can rupture, causing a blood clot that leads to a heart attack or stroke – two of the most common claims on a Critical Illness policy.
Dementia ('Type 3 Diabetes'): A groundbreaking and terrifying area of modern research is the link between insulin resistance and Alzheimer's disease. The brain is a high-energy organ that relies on glucose. When the brain's cells become insulin resistant, they struggle to get the fuel they need, leading to inflammation and cell death. The same metabolic dysfunction that causes Type 2 diabetes in the body appears to cause dementia in the brain.
Cancer: High levels of insulin can act as a growth factor, encouraging certain types of cells to multiply uncontrollably. Research from Cancer Research UK and other leading bodies has established clear links between high blood sugar, obesity, and an increased risk of at least 13 different types of cancer, including bowel, pancreatic, liver, and kidney cancer.
Other Complications:
- Kidney Disease (Nephropathy): High blood sugar forces the kidneys to work overtime, damaging their delicate filtering units and potentially leading to kidney failure and the need for dialysis.
- Nerve Damage (Neuropathy): Can cause pain, tingling, or numbness, particularly in the feet and hands.
- Vision Loss (Retinopathy): Damage to the small blood vessels in the back of the eye, a leading cause of blindness in working-age adults.
How Blood Sugar Imbalance Maps to Critical Illness Cover
| Illness Caused/Worsened by High Blood Sugar | Commonly Covered by Critical Illness Insurance? |
|---|---|
| Heart Attack | Yes (core condition) |
| Stroke | Yes (core condition) |
| Certain Cancers | Yes (core condition) |
| Kidney Failure | Yes (core condition) |
| Major Organ Transplant | Yes (core condition) |
| Blindness | Yes (often covered) |
| Dementia / Alzheimer's | Yes (increasingly standard) |
| Type 1 Diabetes | Yes (often covered, especially for children) |
| Severe Type 2 Diabetes (with complications) | Payout depends on specific policy wording |
This table clearly illustrates why Critical Illness cover is not an abstract product, but a direct financial response to the very real threats posed by the UK's blood sugar crisis.
Your Financial Fortress: How Life, Critical Illness, and Income Protection (LCIIP) Works
Understanding the threat is the first step; building your defence is the second. A comprehensive LCIIP strategy creates a multi-layered fortress around your family's finances. Let's break down each component.
1. Life Insurance:
- What it is: A policy that pays out a tax-free lump sum to your beneficiaries if you pass away during the policy term.
- Its job: To clear major debts like the mortgage, cover funeral costs, and provide a fund for your family's future living expenses, ensuring they can maintain their quality of life without your income. It replaces you financially when you're no longer there.
2. Critical Illness Cover (CIC):
- What it is: A policy that pays out a tax-free lump sum upon the diagnosis of a specific, serious (but not necessarily fatal) illness listed in the policy.
- Its job: To give you financial breathing room while you are living with a major illness. The money can be used for anything: to cover lost earnings, pay for private treatment, adapt your home, or simply reduce financial stress so you can focus 100% on your recovery.
3. Income Protection (IP):
- What it is: Often called the "bedrock" of financial protection. It pays you a regular, tax-free monthly income (typically 50-70% of your gross salary) if you're unable to work due to any illness or injury.
- Its job: To replace your lost salary. It pays your bills, covers your mortgage, and keeps your household running month after month, for as long as you are unable to work, right up until retirement if necessary. It protects your lifestyle when your health prevents you from earning.
LCIIP: A Comparison
| Feature | Life Insurance | Critical Illness Cover | Income Protection |
|---|---|---|---|
| When it pays out | On death | On diagnosis of a specified illness | When you can't work due to illness/injury |
| How it pays out | Lump sum | Lump sum | Regular monthly income |
| Primary Purpose | Protects your family after you're gone | Protects you during a major health crisis | Protects your income during recovery |
| Analogy | Your financial legacy | Your recovery fund | Your replacement salary |
These three policies work in harmony. A heart attack could trigger a Critical Illness payout for immediate needs, while an Income Protection policy covers the long-term inability to work. And if the worst happens, Life Insurance ensures the family's ultimate financial security.
Getting Covered: The Impact of Blood Sugar on Your Insurance Application
This is the question on every reader's mind: "I'm worried about my blood sugar. Can I still get cover?" The answer is, in most cases, yes – but you must act decisively.
When you apply for LCIIP, insurers conduct a process called underwriting. They assess your health and lifestyle to determine your level of risk. Your HbA1c reading, BMI, blood pressure, and cholesterol levels will be key factors.
Honesty is Non-Negotiable: You must disclose everything you know about your health, including any conversations with your GP about blood sugar, diet, or lifestyle. Failure to disclose is called 'non-disclosure' and can give the insurer grounds to cancel your policy and refuse a claim, even if the claim is for an unrelated condition.
Here are the likely outcomes depending on your health profile:
- Standard Rates: If your HbA1c is in the normal range and you are otherwise healthy, you'll likely be offered cover at the standard price.
- Increased Premiums (A 'Loading'): If your HbA1c is in the prediabetic range (e.g., 42-47 mmol/mol) or you have other risk factors like a high BMI, the insurer may offer you a policy but increase the premium by a certain percentage (e.g., +50% or +100%). This reflects the higher statistical risk.
- Exclusions: In some cases, an insurer might offer cover but place an exclusion on claims related to diabetes. This is less common now, and a good broker can often find an insurer who will offer full cover with a loading instead.
- Postponement: If your blood sugar is very high or poorly controlled, the insurer may postpone their decision for 6-12 months to see if you can improve your readings through lifestyle changes.
- Decline: In cases of a recent diabetes diagnosis with significant complications, it can be very difficult to get cover.
The most important takeaway is this: The best time to get insurance is yesterday. The second-best time is today. The younger and healthier you are when you apply, the cheaper and more comprehensive your cover will be for the rest of your life. Every year you wait, and every point your HbA1c climbs, the more expensive and difficult it becomes.
Navigating this complex market can be daunting. This is where expert guidance is invaluable. At WeCovr, we specialise in finding the right protection for people with all kinds of health histories, including elevated blood sugar and prediabetes. Our expert advisors understand the nuances of each insurer's underwriting philosophy and can place your application with the company most likely to give you the best possible terms.
Taking Control: Proactive Steps to Manage Your Blood Sugar and Secure Your Future
While securing financial protection is critical, you also have the power to influence your health trajectory. Prediabetes is not a life sentence; for many, it is a reversible condition. Taking proactive steps can dramatically lower your risk and may even improve your insurance premiums.
- Know Your Numbers: The first step is awareness. Ask your GP for an HbA1c blood test, or consider a private, at-home test kit. Knowledge is power.
- Rethink Your Plate: Focus on a diet rich in whole, unprocessed foods. Prioritise protein, healthy fats, and high-fibre vegetables. Dramatically reduce your intake of sugar, refined carbohydrates (white bread, pasta, pastries), and processed foods.
- Move Your Body: Aim for at least 150 minutes of moderate-intensity exercise per week. A brisk walk after a meal can have a powerful effect on blood sugar. Incorporate resistance training (lifting weights, bodyweight exercises) twice a week to build muscle, which acts like a "sugar sponge".
- Prioritise Sleep: A lack of quality sleep (less than 7 hours a night) has been proven to disrupt appetite hormones and decrease insulin sensitivity. Make sleep a non-negotiable priority.
- Manage Stress: Chronic stress raises cortisol, a hormone that tells your body to release stored sugar into the bloodstream. Practice mindfulness, meditation, or simply take time for hobbies you enjoy.
To support our clients on their health journey, WeCovr provides complimentary access to our exclusive AI-powered calorie and nutrition tracking app, CalorieHero. It's a powerful tool to help you make informed choices, understand the impact of food on your body, and take meaningful control of your metabolic health. This is part of our commitment to your holistic well-being, going beyond just the policy documents.
Real-Life Scenarios: How LCIIP Made the Difference
Scenario 1: Sarah, 45 - The Critical Illness Payout
Sarah, a marketing manager, was shocked when a routine health check revealed prediabetes and high blood pressure. Six months later, she experienced chest pains and was diagnosed with severe angina, requiring surgery. Her Critical Illness policy, which she'd taken out years earlier, paid out a £95,000 tax-free lump sum. This allowed her to take a six-month sabbatical from her stressful job, clear her credit card debt, and invest in a personal trainer and nutritionist. The financial freedom gave her the space to fundamentally change her lifestyle and reverse her prediabetes.
Scenario 2: David, 52 - The Income Protection Lifeline
David, a self-employed lorry driver, was diagnosed with Type 2 diabetes which soon led to painful neuropathy in his feet. The long hours of sitting and the concentration required became impossible. He had to surrender his HGV license. His Income Protection policy kicked in after a 3-month deferred period, paying him £2,200 every month. This income has covered his mortgage and bills for the past four years, preventing a devastating financial crisis for his family while he retrains for a new, sedentary role.
Frequently Asked Questions (FAQ)
1. What is the difference between prediabetes and Type 2 diabetes? Prediabetes is the warning stage where your blood sugar is elevated (HbA1c 42-47). Type 2 diabetes is the diagnosed disease state where blood sugar is consistently high (HbA1c 48+). Think of prediabetes as a flashing amber light, giving you a chance to stop before you hit the red light of diabetes.
2. Can I reverse prediabetes? Yes, absolutely. For a significant number of people, sustained lifestyle changes focusing on diet, exercise, and weight loss can return blood sugar levels to the normal range and effectively reverse the condition.
3. Will my critical illness policy pay out for a Type 2 diabetes diagnosis? Generally, a standard CIC policy will not pay out for the diagnosis of Type 2 diabetes itself. However, it is designed to pay out for the major complications that often result from it, such as heart attack, stroke, kidney failure, and blindness, which are the real life-altering events. Some enhanced policies do offer a smaller payout for a diabetes diagnosis if it requires insulin.
4. Is it too late to get insurance if I've already been diagnosed with Type 2 diabetes? It is more challenging and will be more expensive, but it is not impossible. The outcome will depend on your age, HbA1c control, BMI, and whether you have any existing complications. This is a situation where using an expert broker like WeCovr is essential, as we can take your specific case to specialist insurers who are more experienced with diabetic applicants.
5. How much cover do I need? A common rule of thumb is to seek life insurance that is 10x your annual salary, critical illness cover of 1-2x your salary, and income protection to cover 50-70% of your pre-tax income. However, the right amount is unique to you and depends on your mortgage, debts, and family's needs.
6. Are the payouts from LCIIP policies taxed? No. When personal policies are set up correctly, the lump sums from life and critical illness cover, and the monthly income from income protection, are all paid tax-free in the UK.
Your Health is Your Wealth: A Final Thought
The UK's blood sugar crisis is the defining public health challenge of our time. It is a silent thief, working to steal not only years from your life but also the financial security you've built for your family.
Ignoring the warning signs is a gamble no one can afford to take. While you take proactive steps to manage your physical health, you must simultaneously fortify your financial health.
Life insurance, critical illness cover, and income protection are not mere expenses. They are the essential tools of financial self-defence in the 21st century. They are the firewall that stops a health crisis from becoming a financial catastrophe. They provide the peace of mind that, no matter what health challenges arise from this silent epidemic, your family's future will remain secure.
Don't wait for the silent problem to make a loud entrance into your life. Take control of your health, understand your risks, and build your financial fortress today.
Related guides
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!