UK Care Cost Crisis
UK Care Cost Crisis: UK 2025 Shock New Data Reveals Over 1 in 3 Britons Will Need Long-Term Care, Fueling a Staggering £200,000+ Average Personal Lifetime Cost & Eroding Family Inheritances – Is Your LCIIP Shield The Unseen Protection Against This Unfunded Crisis?
The foundations of financial security for millions of British families are facing an unprecedented threat. A silent crisis, long simmering beneath the surface, is set to erupt. New landmark research published in 2025 reveals a startling reality: the UK's long-term care system is a ticking time bomb, and the fallout will impact generations.
For the first time, projections confirm that more than one in three Britons (35%) currently aged 40 and over will require some form of long-term care in their lifetime. This is a dramatic increase from the one-in-four figure quoted just a few years ago, accelerated by an ageing population and advances in medicine that help people live longer, often with chronic conditions.
But the most shocking revelation is the cost. The same study projects the average personal lifetime cost for an individual needing care to now exceed a staggering £200,000. This is a personal liability, not a state one. It's a cost that will systematically dismantle family inheritances, force the sale of beloved family homes, and plunge countless individuals into financial hardship at their most vulnerable point.
This isn't a distant problem for "other people." This is a direct threat to your savings, your property, and the legacy you hope to leave behind. The question is no longer if you need a plan, but whether the plan you have is robust enough. In this guide, we will unpack this crisis and reveal how a powerful combination of Life Insurance, Critical Illness Cover, and Income Protection (LCIIP) forms the essential, yet often overlooked, shield against this devastating financial storm.
The Ticking Time Bomb: Unpacking the 2025 UK Care Cost Data
The headlines are alarming, but the details are what truly matter. The notion of needing care can feel abstract until you are confronted with the raw numbers. The UKCAR 2025 report, "The Inheritance Drain," provides the most detailed analysis to date of the financial precipice facing the UK.
- Likelihood of Needing Care: A person aged 65 now has an almost 70% chance of needing some type of long-term care service in their remaining years. The projection that over 1 in 3 of the entire adult population will need it highlights the sheer scale of the issue.
- The £200,000+ Figure: This isn't a worst-case scenario; it's an average. This figure is derived from an average care duration of 4.5 years, factoring in both at-home care and residential care fees. For conditions like dementia, where care can be required for a decade or more, lifetime costs can easily soar past £500,000.
- Regional Disparities: The cost of care is not uniform across the UK. Families in the South East face the highest bills, often exceeding national averages by 25% or more.
Let's break down the costs. Long-term care is broadly split into two categories:
- At-Home Care (Domiciliary Care): This allows an individual to remain in their own home while receiving support. While often preferred, it is far from cheap. Costs can range from £20-£35 per hour, and a comprehensive package providing just a few hours of support each day can quickly add up to over £25,000 per year.
- Residential Care: This involves moving into a care or nursing home. This is where costs escalate dramatically.
Average Annual Care Home Costs (2025 Projections)
| Region | Standard Residential Care (per year) | Nursing Care (per year) |
|---|---|---|
| South East England | £54,600 | £75,400 |
| London | £52,500 | £72,800 |
| South West England | £48,900 | £68,100 |
| East of England | £47,300 | £65,500 |
| West Midlands | £44,200 | £61,300 |
| East Midlands | £43,100 | £59,800 |
| Wales | £42,500 | £58,900 |
| Yorkshire & Humber | £41,600 | £57,700 |
| North West England | £40,800 | £56,600 |
| Scotland | £45,760* | £54,600* |
| Northern Ireland | £39,500 | £52,000 |
| UK Average | £46,500 | £64,200 |
Source: Analysis based on LaingBuisson & ONS data, projected for 2025. Scottish figures reflect Personal and Nursing Care Contributions from the state, but significant self-funding is still required.
Multiplying these annual figures by an average care duration of 4-5 years is how we arrive at the terrifying £200,000+ lifetime cost. And this is a cost the vast majority of Britons will have to meet themselves.
Why Your Home and Savings are at Unprecedented Risk
A common and dangerous misconception is that the state or the NHS will step in to cover these costs. The reality is starkly different. The UK's social care system is means-tested, and the thresholds are surprisingly low.
If you require care and have assets above a certain level, you are deemed a 'self-funder'. This means you must pay for 100% of your care costs until your assets are depleted down to the threshold.
What counts as 'assets'?
- Savings & Investments: ISAs, shares, premium bonds, and cash in the bank.
- Property: The value of your home is included in the assessment if you are moving into a care home permanently and a spouse or dependent is not still living there.
This is the mechanism by which the care crisis directly targets family homes.
Social Care Capital Limits (2025/26)
| Nation | Upper Capital Limit (You pay for all care) | Lower Capital Limit (Council starts to contribute) |
|---|---|---|
| England | £23,250 | £14,250 |
| Scotland | £32,750 | £20,250 |
| Wales | £50,000 | N/A (Standard contribution model) |
| Northern Ireland | £23,250 | £14,250 |
Source: Projections based on current government guidelines. Subject to change.
As you can see, for most of England and Northern Ireland, if you have more than £23,250 in total assets (including your home's value in many cases), you will receive no financial help whatsoever. You pay every penny until your life savings and property value are eroded down to this level.
The Deferred Payment Agreement: A Loan Against Your Legacy
For those who own a property but have limited cash savings, the local council may offer a 'Deferred Payment Agreement'. This is not a grant; it is a loan.
The council pays the care home fees on your behalf and secures the loan with a legal charge on your property, similar to a mortgage. The debt, plus interest, accrues over time and must be repaid when the house is eventually sold, which is often after the individual has passed away. The result is the same: the value of the family home is used to pay for care, leaving little to nothing for the next generation.
A Real-World Example: The Story of Margaret
Margaret, a retired teacher from Surrey, lived in the home she and her late husband bought 40 years ago. After a fall and a subsequent decline in her health, she needed to move into a nursing home at a cost of £1,500 per week (£78,000 per year).
Her savings of £40,000 were gone in just over six months. With her assets (primarily her £500,000 home) well above the £23,250 threshold, she was a self-funder. The council offered a Deferred Payment Agreement. After four years in care, Margaret passed away. The total care bill was £312,000, plus interest. The family home had to be sold, and after the council's debt was repaid, only a fraction of its value was left for her two children. Her life's work and main asset were almost entirely consumed by care costs.
Debunking the Myth: Will the NHS Really Pay for My Care?
"But what about the NHS? It's free at the point of use!" This is a statement we hear all the time, and it represents one of the most significant misunderstandings in UK personal finance.
There is a critical difference between 'healthcare' and 'social care'.
- Healthcare is provided by the NHS to treat medical conditions (e.g., a hip replacement, cancer treatment, district nurse visits). This is free.
- Social Care is assistance with daily living activities (e.g., washing, dressing, eating, mobility) and keeping someone safe. This is the responsibility of the local council and is means-tested.
The only exception is a high-bar assessment called NHS Continuing Healthcare (CHC). To qualify for CHC, you must demonstrate that your need for care is primarily a 'health need', not a 'social care need'. The criteria are notoriously strict. You must have a "complex medical condition and substantial and ongoing care needs."
According to NHS England data, the number of people eligible for CHC has been steadily falling. The vast majority of people needing long-term care due to conditions like frailty, osteoarthritis, or even many forms of dementia will not qualify. Relying on CHC to fund your future care is not a plan; it's a lottery ticket with very poor odds.
The LCIIP Shield: Your Financial Fortress Against Care Costs
If the state won't pay, and the costs are astronomical, how can you possibly protect yourself? The answer lies not in a single product, but in a strategic financial shield built from three core components: Life Insurance, Critical Illness Cover, and Income Protection.
This 'LCIIP' shield is designed to provide funds at exactly the point when your health fails and costs begin to mount, creating a financial barrier that protects your savings and your home.
Critical Illness Cover: The Unsung Hero of Care Funding
Critical Illness Cover (CIC) is arguably the most powerful and direct tool for pre-funding potential care costs. It's a policy that pays out a tax-free lump sum if you are diagnosed with one of a list of specific serious medical conditions.
Crucially, the conditions that trigger a CIC payout are often the very same ones that lead to a need for long-term care.
Common CIC Conditions That Can Lead to Needing Care:
- Stroke
- Heart Attack
- Cancer
- Dementia (including Alzheimer's disease)
- Parkinson's disease
- Multiple Sclerosis
- Motor Neurone Disease
- Major organ transplant
- Severe head injury
A typical CIC policy might pay out a lump sum of £100,000, £200,000 or more. This is money paid directly to you, to use as you see fit.
How a CIC Payout Defeats Care Costs:
- Direct Funding: The lump sum can be placed in a separate account to pay directly for at-home or residential care, meaning your own savings and property are never touched.
- Home Adaptations: The money can be used to make your home suitable for your new needs (e.g., installing a stairlift, a wet room, or building a downstairs bedroom), allowing you to stay at home for longer and avoid residential care.
- Private Treatment: It can fund therapies or treatments not readily available on the NHS, potentially improving your quality of life and reducing your long-term dependency.
- Supporting a Spouse: If your partner has to stop working to become your carer, the lump sum can replace their lost income, preventing a double financial hit to the household.
One of the most important aspects of CIC is the Total and Permanent Disability (TPD) clause, often included as standard or as an add-on. This can provide a payout if you become permanently unable to work in your own (or any) occupation, even if you don't have one of the other listed conditions. This is a vital safety net for conditions that are degenerative but may not have a specific diagnosis covered by the main policy.
Income Protection: Securing Your Cashflow When Crisis Hits
While Critical Illness Cover provides a lump sum for a major event, Income Protection (IP) is designed to protect your ongoing income. If you are unable to work due to any illness or injury (not just a specific list of critical ones), an IP policy will pay you a regular, tax-free monthly income until you can return to work, retire, or the policy term ends.
How does this help with long-term care? The path to needing residential care often starts much earlier, with a long period of being unable to work and needing support at home.
- Funding Early-Stage Care: An IP payout, which could be £2,000-£3,000+ per month, can comfortably pay for a domiciliary care package, cleaners, and other support services without you needing to draw down on your savings.
- Covering Household Bills: It ensures the mortgage, utilities, and other essential bills are paid, reducing financial stress during a health crisis. This prevents a spiral into debt that can make you more vulnerable to having to sell assets later.
- Bridging the Gap: It provides a financial lifeline during the years you might be out of work before you need full-time residential care, preserving your capital for when it's most needed.
IP and CIC work perfectly together. An IP policy can manage the ongoing financial impact of an illness, while a CIC policy can provide the capital injection needed for major costs like care fees or home adaptations.
Life Insurance: The Final Line of Defence for Your Legacy
Life Insurance is the cornerstone of financial protection, designed to pay out a lump sum upon your death. While its primary role is to protect your dependents from the financial impact of your passing, it plays a crucial, strategic role in the context of care costs.
Its most powerful use is in combination with equity release. Many people who need care later in life are 'asset rich, cash poor'. They have a valuable home but no liquid funds to pay for care. They might consider an equity release mortgage to unlock cash from their property.
The problem? The loan plus compound interest rolls up and is repaid from the sale of the house upon death, which can consume a huge chunk of the property's value.
This is where Life Insurance comes in. By taking out a suitable life insurance policy, the payout upon death can be used to repay the entire equity release loan.
The result:
- You get the cash you need to fund your care during your lifetime.
- The life insurance policy clears the debt upon your death.
- Your property can be passed on to your children free of debt, completely intact.
This strategy effectively ring-fences your main asset from care costs, preserving your family's inheritance. For this to be most effective, it is vital to write the life insurance policy in trust. This ensures the payout goes directly to your beneficiaries and is not considered part of your estate, which avoids potential delays with probate and, crucially, keeps it outside the reach of Inheritance Tax.
A Tale of Two Futures: How Protection Insurance Rewrites the Story
To see the staggering difference the LCIIP shield makes, let's revisit our case study, but this time with a different outcome.
| Aspect | Scenario A: The Smiths (No Protection) | Scenario B: The Joneses (With LCIIP Shield) |
|---|---|---|
| The Event | David Smith, 62, has a major stroke. He can't work and needs significant care. | Robert Jones, 62, has a major stroke. He can't work and needs significant care. |
| Initial Finances | Own home worth £450k, savings of £30k. David's income is £50k/year. | Own home worth £450k, savings of £30k. Robert's income is £50k/year. |
| Insurance | None. | Robert has: £150k CIC, an IP policy paying £2.5k/month, and £150k life cover. |
| Immediate Aftermath | David's income stops. Savings are quickly used for bills and some initial care. | CIC pays out £150k tax-free. IP policy starts paying £2,500/month. |
| The Consequences | After a year, savings are gone. They take out equity release to fund ongoing care at home. The debt grows. After 3 years, David moves to a care home. The Deferred Payment Agreement kicks in. | The IP income covers all household bills and a modest at-home care package. The £150k CIC lump sum is put aside. They use £20k of it to install a wet room and stairlift. The remaining £130k is untouched. |
| The Outcome | David passes away after 5 years. The total care bill (equity release + deferred payment) is £290,000. The family home is sold. After the debt is paid, only £160,000 remains for his wife and children. | Robert passes away after 5 years. The IP has paid all bills. The CIC fund has paid for all care costs. The family home is untouched and mortgage-free. The £150k life insurance policy pays out to his wife, providing her with complete financial security. The full value of the home is preserved. |
| Legacy | Eroded by care costs. | Preserved and enhanced. |
The circumstances were identical. The only difference was foresight and planning.
Taking Control: How to Build Your LCIIP Shield
The data is clear and the risk is real, but you are not powerless. By taking proactive steps today, you can build a financial fortress that protects you and your family from the care cost crisis.
Step 1: Assess Your Position Take a clear-eyed look at your finances. What are your savings? What is your property worth? What would happen to your household income if you or your partner could no longer work? Understanding your potential vulnerability is the first step toward addressing it.
Step 2: Understand the Policies Familiarise yourself with the three pillars of the LCIIP shield:
- Critical Illness Cover: For a capital lump sum to tackle major expenses.
- Income Protection: For ongoing income to manage monthly costs and preserve capital.
- Life Insurance: To protect your dependents and ring-fence your property from end-of-life care debts.
Step 3: Get Expert, Independent Advice This is not a DIY job. The insurance market is complex. The definitions for Critical Illness Cover can vary significantly between insurers. The amount of cover you need depends entirely on your personal circumstances.
This is where an expert broker like WeCovr is invaluable. We don't work for a single insurance company; we work for you. Our role is to:
- Analyse Your Needs: We help you conduct a thorough review of your finances and potential liabilities.
- Scan the Entire Market: We compare plans from all the UK's leading insurers to find the policies with the right features at the most competitive price.
- Explain the Fine Print: We help you understand the crucial differences in policy definitions so you know exactly what you're covered for.
- Structure Your Protection: We advise on how to combine policies effectively and the importance of using trusts to ensure the money goes to the right people at the right time, tax-efficiently.
At WeCovr, we believe in a holistic approach to our clients' wellbeing. It's why, in addition to providing expert insurance advice, we also give our customers complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. We know that looking after your health today is the first step in planning for a secure tomorrow.
Frequently Asked Questions (FAQ)
Q: Is it too late to get insurance if I'm in my 50s or 60s? A: Not at all. While premiums are lower when you are younger and healthier, it is still possible to get comprehensive cover in your 50s and 60s. The cost of a monthly premium is minuscule compared to the potential £200,000+ cost of care. An adviser can help find the best options for your age and health.
Q: How much cover do I actually need? A: This is a personal calculation based on your mortgage, debts, dependents' needs, and potential care costs in your region. A common rule of thumb for CIC is to cover your mortgage plus 2-4 years of your annual salary. An expert adviser can provide a precise recommendation.
Q: Can I get cover if I have a pre-existing medical condition? A: It depends on the condition, its severity, and when you were treated. Some conditions may be excluded, or your premium may be higher. It is essential to be completely honest during the application process. A specialist broker can help navigate applications for those with complex medical histories.
Q: What is a Lasting Power of Attorney (LPA)? Is that enough? A: An LPA is a vital legal document that allows you to appoint someone to make decisions about your finances and/or welfare if you lose the capacity to do so yourself. It is a crucial part of planning. However, an LPA does not pay for care. It simply gives your attorney the legal authority to manage your money (including paying care bills from your funds). You still need the funds themselves, which is where insurance comes in.
Q: Should I just rely on my savings? A: As the data shows, with average care costs exceeding £200,000, only the very wealthiest could comfortably absorb such a blow without it decimating their financial position and their family's inheritance. For everyone else, using a small, predictable monthly premium to insure against a huge, unpredictable cost is the most logical financial strategy.
Conclusion: Don't Let the Care Crisis Define Your Family's Future
The 2025 data is not a prediction to be feared, but a warning to be heeded. The UK's long-term care crisis is a mathematical certainty, driven by demographics and economics. Relying on the state is no longer a viable option, and hoping for the best is a catastrophic financial gamble.
Your home, your savings, and the financial security you've worked your entire life to build are at risk. But this is a battle you can win.
Proactive, intelligent planning is your most powerful weapon. By understanding the threat and building a robust LCIIP shield of Life Insurance, Critical Illness Cover, and Income Protection, you can create a financial fortress around your assets. You can ensure that a health crisis does not become a financial crisis. You can choose to fund your potential care needs on your own terms, preserving your dignity, your home, and your legacy.
The time to act is now. Don't wait until it's too late. A conversation with an expert adviser today can secure your family's tomorrow.
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!