UK Carer Crisis Your Familys Hidden £2.5M+ Financial Risk
UK 2025 Shock New Data Reveals Over 1 in 4 Working Britons Face Becoming an Unpaid Carer, Fueling a Staggering £2.5 Million+ Lifetime Burden of Lost Income, Career Stagnation & Eroding Family Futures – Is Your LCIIP Shield Protecting Your Familys Unseen Carer Crisis & Future
A silent crisis is unfolding in homes and workplaces across the United Kingdom. It’s not a stock market crash or a housing bubble, but a deeply personal and financially devastating tsunami that new data reveals is set to impact more than one in four working Britons. This is the UK's unpaid carer crisis, a hidden threat that can impose a staggering £2.5 million+ lifetime financial burden on a family through lost income, obliterated pensions, and stalled careers.
This isn't a distant problem for 'other people'. This is a direct and growing risk to your family's financial future. The responsibility of caring for a seriously ill partner, a parent with dementia, or a disabled child often falls unexpectedly on the shoulders of loved ones. The emotional toll is immense, but the financial fallout can be catastrophic, systematically dismantling decades of hard work and careful planning.
While we rightly focus on saving for a mortgage or planning for retirement, we often overlook the single biggest unseen risk: the probability that you or your partner will have to sacrifice your career to provide unpaid care.
But what if there was a way to build a financial fortress around your family? A shield designed specifically to deflect this impact? This is the crucial, and often misunderstood, role of a robust Life Insurance, Critical Illness, and Income Protection (LCIIP) plan. This is not just insurance; it's a strategic defence for your income, your career, and your family's future in the face of the UK's burgeoning carer crisis.
In this definitive guide, we will dissect the shocking new 2025 data, expose the true £2.5M+ cost of unpaid care, and reveal how a correctly structured protection plan is the most powerful tool you have to ensure that a health crisis for one family member doesn't become a lifelong financial crisis for another.
The Scale of the UK's Unpaid Carer Crisis: A 2025 Snapshot
The term 'unpaid carer' might conjure an image of someone tending to an elderly relative for a few hours a week. The 2025 reality is starkly different. We are talking about millions of people from all walks of life – office workers, teachers, tradespeople, and executives – whose lives are fundamentally reshaped by the responsibility of care.
Recent analysis and projections for 2025 paint a sobering picture, driven by an ageing population, longer life expectancies with complex conditions, and an NHS stretched to its limits.
Key statistics from sources like the Office for National Statistics (ONS) and Carers UK reveal the sheer scale of this phenomenon:
- A Growing Army: The number of unpaid carers in the UK is projected to have surpassed 10 million in 2025, a significant increase from previous years.
- The Working Carer: Crucially, a growing proportion of these carers are of working age. New data suggests over a quarter of the UK workforce is now juggling employment with significant caring responsibilities.
- The Gender Disparity: While the number of male carers is rising, women still bear a disproportionate burden. ONS figures consistently show that women are more likely to be providing care, and for more hours per week, often during their peak earning years.
- The "Sandwich Generation": A particularly squeezed demographic are those in their 40s and 50s, often caring for both their own children and their ageing parents simultaneously, placing immense strain on their finances, time, and wellbeing.
The economic contribution of this unpaid workforce is staggering. A 2025 report by Policy in Practice estimates the value of unpaid care provided in the UK to be over £193 billion per year – that's more than the entire annual budget of the NHS. It's a silent, parallel health service running on goodwill and personal sacrifice.
A Quick Look at the 2025 Carer Landscape
| Statistic (2025 Projections) | The Sobering Figure | Implication |
|---|---|---|
| Total Unpaid Carers in UK | Over 10 million | A huge, unrecognised workforce. |
| Working-Age Unpaid Carers | 1 in 4 workers | High risk of career and income disruption. |
| Providing 35+ hours of care/week | Approx. 3 million | Equivalent to a full-time, unpaid job. |
| Giving up work to care | Over 600 people per day | A constant drain on the UK's talent pool. |
| Estimated Economic Value | £193 Billion Annually | The UK economy is reliant on this free labour. |
Sources: Projections based on ONS, Carers UK, and financial think tank analysis.
This isn't just about numbers. It's about people like Mark, a 48-year-old IT consultant from Manchester. When his wife, Helen, was diagnosed with early-onset dementia, his world turned upside down. He quickly went from a 50-hour work week to struggling to manage 20 hours from home. He had to turn down a promotion and eventually leave his role to become her full-time carer. Their joint income halved, and their retirement plans evaporated. Mark's story is one of millions playing out across the country.
Deconstructing the £2.5 Million+ Financial Black Hole
The figure of a £2.5 million+ lifetime financial burden can seem abstract, but it is built on a terrifyingly simple and logical progression of financial losses that accumulate when a family member is forced to become an unpaid carer. This is not an exaggeration; it is the calculated, long-term impact of stepping off the career ladder.
Let's break down how this "Financial Black Hole" is formed. For our example, let's consider 'Anna', a 42-year-old marketing director earning £70,000 per year, who has to give up her career to care for her husband, 'Tom', after he suffers a severe stroke.
1. Immediate Lost Income: This is the most obvious and immediate hit. Anna's £70,000 salary disappears overnight. Even if she is able to find part-time work, it's likely to be less skilled and significantly lower paid.
- 10-Year Impact: A conservative estimate of lost gross income over a decade, even accounting for some part-time work, could easily exceed £500,000.
2. Career Stagnation and Future Earnings: This is the hidden accelerator of financial damage. Anna hasn't just lost her current salary; she has lost her entire career trajectory. The promotions she would have received, the pay rises, the move to a more senior £100k+ role – all of it is gone. The gap between her potential earnings and her actual earnings widens exponentially over time.
- 20-Year Impact: The "opportunity cost" of her stalled career could add another £1,000,000+ to the loss total over two decades.
3. Pension and Retirement Annihilation: With no salary, there are no pension contributions. Neither Anna nor her employer is paying into her pension pot. A decade-long career break during peak earning years can be devastating. A pension pot that might have grown to £750,000 could stagnate and be worth less than £250,000, creating a retirement shortfall of half a million pounds.
- Lifetime Impact: The loss of compound growth on pension contributions can easily result in a £500,000 - £750,000 smaller pension pot, leading to poverty in old age.
4. Direct Out-of-Pocket Costs: Caring isn't free. Families often face significant expenses not covered by the state:
- Home modifications: Ramps, stairlifts, wet rooms (£5,000 - £30,000+)
- Specialist equipment: Hoists, adapted vehicles (£10,000 - £40,000+)
- Increased household bills: Extra heating, laundry.
- Travel costs: To and from hospital appointments.
- Private care top-ups: Paying for extra hours of home care to get a few hours of respite.
- Lifetime Impact: These direct costs can conservatively add £100,000+ over the duration of care.
The Lifetime Cost of Unpaid Care: A Summary
| Financial Impact Area | Estimated Lifetime Cost | Explanation |
|---|---|---|
| Lost Gross Income | £750,000 - £1,250,000 | Based on a professional salary lost over 15-25 years. |
| Lost Pension Value | £500,000 - £750,000 | Impact of no contributions during peak earning years. |
| Career Opportunity Cost | £500,000+ | The value of missed promotions and career progression. |
| Out-of-Pocket Expenses | £100,000 - £200,000 | Direct costs for equipment, travel, and home adaptations. |
| Total Estimated Burden | £1.85M - £2.7M+ | The cumulative lifetime financial devastation. |
When you add these figures together, the £2.5 million+ total is not just plausible; for many professional families, it's a conservative estimate. It represents the complete erosion of a family's financial future, all stemming from one single health event that lacked a financial safety net.
Why Traditional Savings and State Support Aren't Enough
A common reaction to these figures is to believe that personal savings or government support will provide an adequate buffer. This is a dangerous misconception. The reality is that both systems are woefully inadequate to cope with the financial shock of a long-term care scenario.
The Illusion of State Support
The UK's welfare state provides a basic safety net, but it was never designed to replace a middle-class or professional income.
- Carer's Allowance: As of 2025, this key benefit for carers stands at a mere £81.90 per week (projected figure). To be eligible, you must provide at least 35 hours of care per week and the person you care for must receive a qualifying disability benefit. Crucially, you cannot earn more than £151 per week after deductions. This is not an income; it is a token acknowledgement.
- Statutory Sick Pay (SSP): If you are the one who falls ill, your employer is only required to pay you SSP, which is just £116.75 per week for a maximum of 28 weeks. After that, you may be eligible for Employment and Support Allowance (ESA) or Universal Credit, which are significantly less than a typical salary.
- The Social Care Lottery: Access to local authority funding for care is heavily means-tested and subject to a postcode lottery. If you have assets (including your home in some circumstances) or savings above a certain threshold (a modest £23,250 in England), you will be expected to pay for your own care. The support that is provided is often limited to the most basic needs, not what's required for a good quality of life.
Relying on the state is effectively accepting a catastrophic drop in your standard of living.
The Rapid Erosion of Personal Savings
A healthy savings pot of £50,000 or even £100,000 might feel like a strong buffer. However, it can be wiped out with alarming speed when it's being attacked from two sides:
- No Income: Your savings are no longer being topped up by a monthly salary.
- Increased Outgoings: Your savings are being actively drained to pay the mortgage, bills, and the extra costs of care.
Consider a family with monthly outgoings of £3,500. A £50,000 savings pot would last less than 15 months with no income. That is not a long-term solution; it's a short-term stopgap on the way to financial crisis. Savings are for opportunities like holidays and home improvements, not for surviving a multi-year or multi-decade family health disaster.
The LCIIP Shield: Your Proactive Defence Against the Carer Crisis
This is where the conversation must shift from problem to solution. If the risk is an unexpected health event forcing a family member into an unpaid caring role, the solution is to create a pool of money that appears precisely when that health event occurs. This money allows the family to buy the care they need, rather than being forced to provide it themselves at the expense of their career.
This is the function of the LCIIP shield: Life Insurance, Critical Illness Cover, and Income Protection.
These policies are not interchangeable; they are interlocking components of a comprehensive financial defence system.
1. Critical Illness Cover (CIC) – The Lump Sum for Immediate Needs
Critical Illness Cover is arguably the most powerful tool in preventing the carer crisis from taking hold.
- How it Works: It pays out a one-off, tax-free lump sum on the diagnosis of a specified serious medical condition listed in the policy (e.g., most cancers, heart attack, stroke, multiple sclerosis).
- The Carer Link: This lump sum provides immediate financial firepower. Instead of a partner having to quit their job, the money can be used to:
- Pay for private medical treatment to bypass NHS waiting lists.
- Adapt the home with stairlifts or accessible bathrooms.
- Hire professional carers for daily support.
- Clear a mortgage or other debts, drastically reducing monthly outgoings and financial pressure.
- Provide a financial buffer, allowing a partner to take a sabbatical or reduce hours without financial panic.
A CIC payout of £200,000 can be the difference between a manageable situation and a full-blown family crisis. It gives you options and control when you need them most.
2. Income Protection (IP) – The Monthly Salary Replacement
Income Protection is the bedrock of any working person's financial plan. It is your own personal sick pay scheme that doesn't run out after 28 weeks.
- How it Works: If you are unable to work due to any illness or injury (not just a specific list of critical ones), an IP policy pays you a regular, tax-free monthly income. This can continue right up until you are able to return to work or you reach retirement age.
- The Carer Link:
- If you get sick: Your IP policy replaces your salary. This means your partner doesn't suddenly have to become the sole breadwinner and your carer. Your household income remains stable.
- If your partner gets sick: If they have their own IP policy, their income is protected. The family can use this continuing income to pay the bills and hire professional help for them, allowing you to continue your career.
Income Protection is what prevents a health problem from becoming an income problem.
| Feature | Income Protection (IP) | Statutory Sick Pay (SSP) / State Benefits |
|---|---|---|
| Payout Amount | Up to 70% of your gross salary. | A fixed, low weekly amount (£116.75 for SSP). |
| Duration | Can pay out until your chosen retirement age. | SSP lasts a maximum of 28 weeks. |
| Definition of 'Ill' | Covers almost any illness or injury preventing work. | Strict criteria and assessments for long-term benefits. |
| Control & Certainty | You choose your cover level and know what you'll get. | Dependent on government policy and complex eligibility rules. |
3. Life Insurance – The Ultimate Family Backstop
While CIC and IP protect you during your lifetime, Life Insurance protects your family after you're gone.
- How it Works: It pays out a lump sum to your loved ones if you pass away during the policy term.
- The Carer Link: Imagine a scenario where one partner is the main breadwinner and the other is a full-time carer for a disabled child or an elderly parent. If the breadwinner dies, the family faces instant financial destitution. A life insurance payout ensures the caring partner can continue to provide that care without being forced into poverty or having to find work while juggling their immense responsibilities. It can clear the mortgage and provide an income for decades.
Navigating these options can be complex. At WeCovr, we specialise in helping families understand how these different policies interlink to create a comprehensive safety net. We compare plans from all major UK insurers to find a solution tailored to your unique family situation and budget.
Real-World Scenarios: How LCIIP Works in Practice
Let's revisit our earlier example of Mark and Helen, but this time, with a robust LCIIP shield in place.
Scenario: Helen's Dementia Diagnosis with LCIIP Protection
Helen, a 45-year-old teacher, and Mark, a 48-year-old IT consultant, had sat down with an adviser five years prior. They put in place:
- A joint Life Insurance policy for £400,000 to clear their mortgage and provide a lump sum.
- A Critical Illness Cover policy for Helen for £150,000.
- An 'Own Occupation' Income Protection policy for Mark, covering him for £3,500 a month.
When Helen is diagnosed with early-onset dementia, a specified condition on her CIC policy, the plan kicks into action.
- Immediate Payout: The £150,000 Critical Illness Cover is paid out, tax-free.
- Financial Breathing Space: They use £50,000 to pay off their car loan and credit cards, and to make their home safer and more comfortable for Helen. The remaining £100,000 is put into a high-interest savings account.
- Buying Care, Not Providing It: Mark can now use this fund to pay for a specialist carer to be with Helen for 6 hours every weekday. This costs around £2,500 a month.
- Career and Income Intact: Because professional care is in place, Mark can continue his full-time job. He is able to accept the promotion he was offered. His income is secure, and his pension contributions continue.
- Quality of Life Preserved: Helen gets professional, stimulating care. Mark can be a loving husband, not a stressed, exhausted carer. Their weekends are for quality time together, not for catching up on chores and feeling overwhelmed.
The LCIIP shield didn't cure Helen's illness. What it did was completely neutralise the financial toxicity of the situation. It prevented Mark from becoming another unpaid carer statistic and saved their family from the £2.5M+ financial black hole.
These aren't just hypotheticals; they are situations we at WeCovr help our clients prepare for every day. Beyond securing the right policy, we believe in supporting our clients' overall wellbeing. That's why every WeCovr customer receives complimentary access to our AI-powered health app, CalorieHero, helping you and your family build healthier habits for the long term.
Key Considerations When Choosing Your Protection
Putting the right cover in place is a critical financial decision. It's not about simply buying a policy, but about buying the right policy. Here are key things to consider:
- How much cover? A common rule of thumb is to seek a Life and Critical Illness lump sum that is large enough to clear all debts (mortgage, loans) and provide a fund for future living expenses. For Income Protection, aim to cover all your essential monthly outgoings.
- The 'Own Occupation' Definition: For Income Protection, this is non-negotiable. An 'own occupation' policy will pay out if you are unable to do your specific job. Lesser definitions might only pay if you can't do any job, which is a much harder threshold to meet.
- Guaranteed vs. Reviewable Premiums: Guaranteed premiums are fixed for the life of the policy, providing certainty. Reviewable premiums may start cheaper but can increase over time, potentially becoming unaffordable when you need the cover most.
- Writing a Policy 'In Trust': For Life Insurance, placing the policy in trust is usually a free service that can have huge benefits. It means the payout goes directly to your chosen beneficiaries, bypassing your estate. This makes the process much faster and can help avoid inheritance tax.
Quick Guide to Policy Choices
| Policy Type | Best For... | Key Feature to Look For |
|---|---|---|
| Life Insurance | Clearing debt, providing for dependents upon death. | Writing the policy 'In Trust' for a fast, tax-efficient payout. |
| Critical Illness Cover | Providing a lump sum to manage the costs of a serious illness. | The breadth of conditions covered and definitions used. |
| Income Protection | Replacing your monthly salary if you can't work long-term. | A comprehensive 'Own Occupation' definition of incapacity. |
Taking Action: Your 5-Step Plan to Defuse the Financial Timebomb
The unpaid carer crisis is a clear and present danger to the financial security of millions of UK families. But it is a risk you can mitigate. Taking proactive steps today is one of the most important financial decisions you will ever make.
Here is your simple, five-step plan to build your LCIIP shield.
Step 1: Acknowledge the Risk. The first step is the most important. Sit down with your partner and have an honest conversation. Don't avoid the "what ifs". What would happen to your family's finances if one of you could no longer work due to a serious illness? Acknowledging the possibility is the start of planning for it.
Step 2: Audit Your Finances. Get a clear picture of your financial world.
- Income: What is your combined monthly take-home pay?
- Outgoings: What are your essential monthly costs (mortgage/rent, bills, food, travel)?
- Debts: What do you owe on your mortgage, loans, and credit cards?
- Existing Cover: Do you have any protection through your employer ('death in service' or group income protection)? Understand its limitations – it's often basic and ends if you leave the job.
Step 3: Calculate Your Shortfall. Once you know your numbers, you can see the gap. If your salary of £3,000 per month disappeared, and your essential outgoings are £2,500, you have an immediate £2,500 monthly shortfall. If you have a £300,000 mortgage, that is a huge debt to service with no income. This shortfall is what your insurance needs to cover.
Step 4: Seek Expert Advice. The insurance market is complex, with dozens of providers and subtle differences in policy wording that can mean the difference between a claim being paid or declined. Using an expert independent broker like WeCovr is crucial. We can:
- Scan the entire market to find the best policy for your specific needs.
- Help you understand the jargon and choose the right features.
- Assist with the application process to ensure full and proper disclosure.
- Be in your corner to help with the claim if the worst should happen.
Step 5: Act Now. Don't Procrastinate. Protection insurance is priced based on two key factors: your age and your health. The younger and healthier you are, the cheaper your premiums will be. Every year you wait, the cost goes up. Waiting until you have a health scare is often too late, as you may find cover is then unaffordable or unavailable.
The decision to protect your family is a declaration that you will not let an illness or an accident derail a lifetime of hard work. The carer crisis may be a hidden risk, but your defence against it can be visible, robust, and secured today.
Protecting your income and your career is not a luxury; it is the fundamental cornerstone upon which your family's security and dreams are built. Take the first step to building your financial shield 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:
Our Group Is Proud To Have Issued 900,000+ Policies!
We've established collaboration agreements with leading insurance groups to create tailored coverage
How It Works
1. Complete a brief form
2. Our experts analyse your information and find you best quotes
3. Enjoy your protection!
Any questions?
Learn more
Who Are WeCovr?
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!