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UK Bone Health Crisis Fractures Future

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 18, 2026
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TL;DR

UK 2025 Shock New Data Reveals Over 1 in 3 Britons Aged 50+ Are at Risk of Debilitating Osteoporosis-Related Fractures, Fueling a Staggering £4.5 Billion+ Lifetime Burden of Chronic Pain, Lost Independence, Long-Term Care Needs & Eroding Family Futures – Your PMI Pathway to Early Bone Density Screening & Specialist Care, and Your LCIIP Shield Against Lifes Fragile Realities The foundations of our nation's health are showing cracks—quite literally. A silent epidemic is sweeping across the United Kingdom, one that doesn't announce itself with a cough or a fever, but with a sudden, life-altering snap. New data for 2025 paints a stark and alarming picture: more than one in three people over the age of 50 are now living with, or are at significant risk of, osteoporosis.

Key takeaways

  • Chronic Pain: Many fractures, especially vertebral (spine) fractures, lead to long-term, debilitating pain that impacts every aspect of daily life.
  • Loss of Independence: A hip fracture is a catastrophic event. Statistics show that only around 50% of people who suffer a hip fracture will regain their previous level of mobility. Many lose the ability to live independently, requiring residential care or significant support from family.
  • Mental Health Impact: The sudden loss of mobility, chronic pain, and fear of falling can lead to social isolation, anxiety, and depression.
  • The Burden on Families: Spouses and children often become carers overnight, a role that brings immense emotional, physical, and financial strain.
  • Gender: Women are at higher risk, especially in the years following menopause, due to the rapid drop in oestrogen, a hormone that protects bones. However, one in five men over 50 will also suffer a fracture due to osteoporosis.

The foundations of our nation's health are showing cracks—quite literally. A silent epidemic is sweeping across the United Kingdom, one that doesn't announce itself with a cough or a fever, but with a sudden, life-altering snap. New data for 2025 paints a stark and alarming picture: more than one in three people over the age of 50 are now living with, or are at significant risk of, osteoporosis. This condition, which quietly weakens bones until they are frighteningly fragile, is priming millions for debilitating fractures.

These are not minor injuries. An osteoporosis-related fracture, particularly of the hip or spine, can be a watershed moment in a person's life. It can signal the start of chronic pain, a permanent loss of mobility and independence, and a future heavily reliant on long-term care. The ripple effect is immense, placing a staggering £4.5 billion+ burden on our NHS and social care systems, while simultaneously eroding the financial and emotional wellbeing of families across the country.

But this future is not set in stone. While the statistics are shocking, they are also a call to action. You have the power to understand your risk, take proactive steps to protect your bone health, and build a robust financial shield to protect you and your loved ones from life's fragile realities.

This comprehensive guide will illuminate the path forward. We will delve into the crisis, explore the power of Private Medical Insurance (PMI) for gaining rapid access to crucial diagnostics and specialist care, and demonstrate how Life and Critical Illness and Income Protection (LCIIP) policies can serve as your unshakeable defence against the financial fallout of a serious fracture.

The Silent Epidemic: Unpacking the UK's Osteoporosis Crisis

Osteoporosis is often dubbed the "silent disease" for a chillingly simple reason: it has no obvious symptoms in its early stages. Bone density diminishes quietly over years, without pain or warning signs. For hundreds of thousands of people in the UK each year, the very first indication that something is wrong is the sound and shock of a bone breaking from a minor fall or even a simple cough.

What is Osteoporosis?

Think of your bones as a honeycomb structure. In healthy bones, this structure is dense and strong. Osteoporosis causes the holes and spaces in the honeycomb to grow much larger, weakening the bone's internal framework. This makes them porous, brittle, and highly susceptible to fracture.

According to the Royal Osteoporosis Society, around 3.5 million people in the UK are currently living with the condition. The latest 2025 projections reveal a worsening crisis, with fragility fractures now occurring approximately every single minute.

The Human and Financial Cost of a Fracture

The true cost of this epidemic cannot be measured in pounds and pence alone. It is paid in the currency of human experience:

  • Chronic Pain: Many fractures, especially vertebral (spine) fractures, lead to long-term, debilitating pain that impacts every aspect of daily life.
  • Loss of Independence: A hip fracture is a catastrophic event. Statistics show that only around 50% of people who suffer a hip fracture will regain their previous level of mobility. Many lose the ability to live independently, requiring residential care or significant support from family.
  • Mental Health Impact: The sudden loss of mobility, chronic pain, and fear of falling can lead to social isolation, anxiety, and depression.
  • The Burden on Families: Spouses and children often become carers overnight, a role that brings immense emotional, physical, and financial strain.

Financially, the impact is seismic. The estimated £4.5 billion annual cost includes direct NHS expenses for hospital stays, surgeries, and medication, as well as the immense costs of social care required for those who can no longer look after themselves. This figure doesn't even account for the lost economic productivity from individuals and their family carers being unable to work.

Are You at Risk? Identifying the Red Flags for Poor Bone Health

While age is a significant factor, osteoporosis is not an inevitable part of getting older. Understanding the risk factors is the first step towards prevention and proactive management. Some factors you cannot change, but many are well within your control.

Unmodifiable Risk Factors (The things you can't change):

  • Gender: Women are at higher risk, especially in the years following menopause, due to the rapid drop in oestrogen, a hormone that protects bones. However, one in five men over 50 will also suffer a fracture due to osteoporosis.
  • Age: Bone density naturally decreases as we age, making older individuals more susceptible.
  • Family History: A parent who has had a hip fracture is a strong indicator of increased personal risk.
  • Ethnicity: Caucasian and Asian individuals have a statistically higher risk.
  • Certain Medical Conditions: Conditions like rheumatoid arthritis, coeliac disease, Crohn's disease, and hyperthyroidism can interfere with nutrient absorption or hormonal balance, affecting bone health.
  • Long-Term Medication Use: Prolonged use of certain drugs, particularly high-dose steroids (corticosteroids) used for asthma or arthritis, can significantly weaken bones.

Modifiable Risk Factors (The things you can influence):

  • Dietary Deficiencies: A lifelong low intake of calcium and Vitamin D is a primary driver of poor bone density.
  • Sedentary Lifestyle: Bones are living tissue; they respond to stress by becoming stronger. A lack of weight-bearing exercise leads to weaker bones.
  • Smoking: Smoking has a direct toxic effect on bone-building cells and can lead to earlier menopause in women.
  • Excessive Alcohol Consumption: Consuming more than 14 units of alcohol per week can interfere with the body's ability to absorb calcium and create new bone tissue.
  • Low Body Weight: Having a Body Mass Index (BMI) below 19 is a significant risk factor, as there is less bone mass to begin with and less fat to cushion a fall.

Building a Stronger Future: Your Proactive Guide to Bone Health

The good news is that it's never too late—or too early—to invest in your "bone bank." Simple, consistent lifestyle choices can make a profound difference to your skeletal strength throughout your life.

1. Fuel Your Frame: The Power of Diet

Your skeleton is your body's scaffolding, and it needs the right raw materials to stay strong. The two most critical nutrients are Calcium and Vitamin D.

  • Calcium: This is the primary mineral used to build bone. Adults need around 700mg per day.
  • Vitamin D: This vitamin is essential for your body to be able to absorb and use calcium.

Here is a quick guide to some of the best food sources:

NutrientExcellent Food Sources
CalciumMilk, cheese, yoghurt, tofu, fortified soya drinks
Sardines (with bones), leafy greens (kale, broccoli)
Nuts (almonds), dried figs, fortified breakfast cereals
Vitamin DOily fish (salmon, mackerel, sardines), egg yolks
Red meat, liver
Fortified foods (fat spreads, some breakfast cereals)

Managing your diet and nutrient intake can feel complex. This is where modern tools can help. At WeCovr, we go beyond just arranging insurance; we provide our clients with complimentary access to our AI-powered calorie and nutrient tracking app, CalorieHero. This tool can help you monitor your calcium and vitamin intake, empowering you to make informed dietary choices for better bone health.

2. Move to Improve: The Importance of Exercise

Exercise doesn't just build muscle; it builds bone. When your muscles pull on your bones during exercise, it stimulates the bone-building cells (osteoblasts) to get to work, laying down new bone tissue.

The most effective exercises for bone health are:

  • Weight-Bearing Exercise with Impact: These are activities where you are on your feet and your body is working against gravity. Examples include:
    • Brisk walking or jogging
    • Dancing
    • Tennis or badminton
    • Stair climbing
    • Team sports like football or netball
  • Resistance/Strength Training: These exercises involve moving your body or a weight against resistance, which strengthens both muscles and bones.
    • Lifting free weights or using resistance machines
    • Bodyweight exercises like push-ups, squats, and lunges
    • Using resistance bands
    • Yoga or Pilates

Aim for a combination of these activities on most days of the week. Even 30 minutes of brisk walking per day can make a significant difference.

3. Tweak Your Lifestyle

  • Sunlight for Vitamin D: The best source of Vitamin D is sunlight on your skin. In the UK, between late March and the end of September, short daily periods of sun exposure (around 15-20 minutes) on your arms and face without sunscreen can help your body produce what it needs. However, during the autumn and winter months, sunlight is not strong enough. Public Health England recommends everyone consider taking a daily 10 microgram Vitamin D supplement during this time.
  • Quit Smoking: Quitting smoking is one of the single best things you can do for your overall health, including your bones.
  • Moderate Alcohol: Stick within the recommended guidelines of no more than 14 units of alcohol per week, with several drink-free days.
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The Power of Proactive Screening: Your PMI Pathway to Early Detection

For decades, the standard NHS pathway for bone health has often been reactive. A DEXA scan (the gold-standard test for measuring bone mineral density) is typically offered after a person has suffered a fragility fracture, or if they present with multiple, significant risk factors. While this approach helps manage resources, it means that for many, the diagnosis comes too late—after the damage is done.

This is where Private Medical Insurance (PMI) can fundamentally change the narrative from reactive treatment to proactive prevention.

A robust PMI policy can provide a fast-track pathway to the specialist care and diagnostics you need to assess your bone health before a crisis occurs.

Comparing the NHS and PMI Pathways for Bone Health Concerns

FeatureTypical NHS PathwayTypical PMI Pathway
Initial ConsultationAppointment with GP.Direct access to a private GP or a GP referral to a specialist.
Waiting TimesPotentially long waiting lists for a specialist referral.See a specialist (e.g., Rheumatologist) in days or weeks.
DiagnosticsDEXA scan offered based on strict criteria (e.g., post-fracture).Can request a DEXA scan as a diagnostic tool if concerns are raised.
Choice of SpecialistSeen by the specialist available at your local NHS trust.Choice of leading consultants and hospitals from the insurer's network.
Follow-up CareNHS follow-up appointments subject to availability.Swift access to follow-up consultations and private physiotherapy.

By using PMI, you can bypass lengthy waiting lists and gain immediate peace of mind. If you are a woman approaching menopause, have a strong family history of osteoporosis, or other significant risk factors, a PMI policy could be your key to an early consultation and a preventative DEXA scan. An early diagnosis allows for timely intervention—be it through medication like bisphosphonates, targeted exercise regimes, or dietary plans—all designed to strengthen your bones and dramatically reduce your risk of a future fracture.

Financial Fortification: Your Shield Against Life's Fragile Realities

While PMI is your tool for proactive health management, a comprehensive protection insurance portfolio is your financial fortress. A serious fracture doesn't just impact your physical health; it can have devastating financial consequences. This is where products like Income Protection and Critical Illness Cover become indispensable.

Income Protection (IP): Your Personal Sick Pay

Imagine you suffer a serious hip fracture. The recovery is long and arduous. Surgery is followed by weeks or months of rehabilitation, during which you are unable to work.

  • Illustrative estimate: If you're employed, your company sick pay might run out after a few weeks or months. After that, you'd be reliant on Statutory Sick Pay (SSP), which is currently just £116.75 per week—hardly enough to cover mortgage payments, bills, and living costs.
  • If you're self-employed, you have no sick pay at all. Zero. Your income stops the day you can no longer work.

Income Protection is designed to prevent this financial catastrophe. It pays you a regular, tax-free monthly income (typically 50-70% of your gross earnings) if you are unable to work due to any illness or injury, including a severe fracture. This income continues to be paid until you are well enough to return to work, or until the end of the policy term (often your planned retirement age). It's a safety net that allows you to focus 100% on your recovery, without the terrifying stress of watching your savings disappear.

Critical Illness Cover (CIC)

Critical Illness Cover works differently. It pays out a single, tax-free lump sum if you are diagnosed with one of a list of predefined serious conditions. While standard osteoporosis is not typically a covered condition, the consequences of it can be.

  • Specific Injuries: Many modern policies include cover for "severe bone fractures," which might pay out a portion of the sum assured for specific breaks (e.g., of the hip, femur, or skull) requiring major surgery.
  • Total and Permanent Disability (TPD): In the most severe cases, where a fracture leads to a permanent inability to work in your own or any occupation, the TPD clause of a policy could be triggered, resulting in a full payout.
  • Covering Other Risks: A CIC policy provides a crucial financial cushion for a wide range of other conditions, from cancer to heart attacks and strokes, protecting your financial future from a multitude of health risks.

This lump sum could be used to clear a mortgage, adapt your home for reduced mobility (installing a stairlift or a walk-in shower), pay for private care and rehabilitation, or simply provide a financial buffer for your family.

The combination of Life and Critical Illness and Income Protection (LCIIP) creates a powerful, multi-layered shield, protecting both your income stream and providing a capital sum in the event of a life-changing health event.

Specialist Focus: Protection for Business Owners, Directors, and the Self-Employed

If you run your own business or work for yourself, your vulnerability to the financial shock of a serious injury is magnified. Your health is inextricably linked to the health of your business. Standard personal protection is vital, but specialist business protection products are also essential.

Executive Income Protection

For company directors, Executive Income Protection is a hugely valuable and tax-efficient benefit. The policy is owned and paid for by your limited company, and the premiums are typically classed as an allowable business expense. If you, as a director, are unable to work due to a fracture or any other illness, the policy pays a monthly benefit to the company. The company can then continue to pay you a salary via PAYE. This ensures your personal financial security while being highly efficient from a tax perspective.

Key Person Insurance

Think about the key individuals who drive your business's success. What would happen if one of them—a top salesperson, a technical genius, or you as the managing director—was out of action for a year following a serious accident? Would profits plummet? Would you lose key clients?

Key Person Insurance is designed to protect the business itself from this scenario. It pays a lump sum to the business to cover the financial impact of losing a key individual due to illness, injury, or death. This money can be used to:

  • Recruit and train a temporary or permanent replacement.
  • Cover lost profits during the disruption.
  • Reassure banks, investors, and clients that the business remains financially stable.

Protection for the Self-Employed

For freelancers, contractors, and sole traders, a personal Income Protection policy is not a luxury; it is a fundamental business continuity tool. It is your sick pay, your safety net, and the one thing that will keep your personal finances afloat when you cannot earn. Policies can be tailored with different waiting periods (the time between you stopping work and the payments starting) to align with your business's cash reserves, making them a flexible and affordable necessity.

Understanding the nuances of PMI, Income Protection, and Critical Illness Cover can be daunting. The market is filled with dozens of providers, each with different policy wordings, definitions, and price points. This is where expert, independent advice is crucial.

At WeCovr, we are specialists in the UK protection and health insurance market. Our role is to act as your expert guide.

  • We listen: We take the time to understand your personal circumstances, your family's needs, your business structure, and your health concerns.
  • We compare: We have access to and deep knowledge of policies from all the UK's leading insurers. We compare the features and the fine print, not just the price, to find the cover that truly fits your needs.
  • We advise: We explain your options in plain English, ensuring you are empowered to make an informed decision. Whether you need a personal PMI policy for proactive screening, a robust income protection plan, or a tax-efficient executive policy for your business, we find the right solution.

Our commitment to your wellbeing extends beyond the policy itself. We believe proactive health management is key, which is why all our clients receive complimentary access to CalorieHero, our proprietary AI-powered app to help you track your nutrition and build a healthier lifestyle—a tangible step towards strengthening your bone health today.

Conclusion: Take Control of Your Bone Health and Financial Future

The 2025 bone health statistics are a serious wake-up call for the UK. The silent threat of osteoporosis and the life-shattering impact of fragility fractures demand our attention. But a future of pain, dependency, and financial hardship is not a foregone conclusion.

You have the power to rewrite that future. It begins with awareness and proactive steps: embracing a bone-healthy diet and lifestyle, understanding your personal risk factors, and engaging with the healthcare system proactively.

It is fortified by a two-pronged strategy of protection:

  1. Private Medical Insurance (PMI): Your pathway to fast-tracking diagnostics like DEXA scans and gaining access to specialist care, turning reactive treatment into proactive prevention.
  2. Life, Critical Illness, and Income Protection (LCIIP): Your unshakeable financial shield, protecting your income and providing a capital buffer to ensure that a physical fracture does not cause a financial collapse for you and your family.

Don't wait for the snap. The time to build your defences—both physical and financial—is now. Take control of your bone health, assess your financial protection, and speak to an expert who can help you put the right foundations in place for a strong, secure, and independent future.

Sources

  • Office for National Statistics (ONS): Mortality and population data.
  • Association of British Insurers (ABI): Life and protection market publications.
  • MoneyHelper (MaPS): Consumer guidance on life insurance.
  • NHS: Health information and screening guidance.

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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why life insurance and how does it work?

What is Life Insurance?

Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.

How does it work?

Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.

The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.

With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.

Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.

Questions to ask yourself regarding life insurance

Just ask yourself:
👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?

Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.

Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.

Benefits offered by income protection, life and critical illness insurance

Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.

Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.

If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.

Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.

In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.

Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.

And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?

Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:

  • Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
  • Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.

Types of life insurance policies

Common reasons for getting a life insurance policy are to:
✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs

Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.

Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.

Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.

Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.

Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.

Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.

Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get life insurance early?

👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of experienced advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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Any questions?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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