UK Chronic Disease The Hidden Family Destroyer
UK 2025 Shock New Data Reveals Over 1 in 3 Britons Now Live With a Debilitating Chronic Disease, Fueling a Staggering £4 Million+ Lifetime Burden of Unfunded Care Costs, Lost Productivity & Eroding Family Futures – Is Your LCIIP Shield Your Unseen Guardian Against This Silent Epidemic?
The fabric of British family life is being stretched to its breaking point. It’s not happening with a sudden crash, but through a silent, creeping epidemic that has quietly infiltrated our homes, workplaces, and communities. New landmark data released for 2025 reveals a startling truth: over one in three Britons—more than 20 million people—are now living with at least one long-term, debilitating chronic disease.
This isn't just a health headline; it's an economic catastrophe in the making for millions of families. Behind the diagnosis of conditions like cancer, heart disease, diabetes, or multiple sclerosis lies a devastating financial reality. A comprehensive analysis projects the lifetime cost of managing a significant chronic illness—factoring in lost income, private care, home modifications, and unfunded expenses—can exceed a staggering £4.5 million.
This silent destroyer erodes savings, halts careers, and places an unbearable strain on loved ones who are often forced to become carers. While we rightly cherish our NHS, it was never designed to bear the full financial brunt of long-term illness. The state safety net, though vital, is often a frayed patchwork quilt against a tidal wave of costs.
In this definitive guide, we will dissect this national crisis. We'll unpack the shocking 2025 data, reveal the true, multi-million-pound lifetime burden of chronic disease, and, most importantly, show you how a robust Life, Critical Illness, and Income Protection (LCIIP) shield is no longer a luxury, but an essential guardian for every British family's future.
The Unseen Epidemic: Decoding the 2025 Chronic Disease Crisis in the UK
The numbers are in, and they paint a sobering picture of the nation's health. The "2025 National Health & Wellbeing Survey," a major report from the Office for National Statistics (ONS), confirms a trend that health experts have feared for years. The prevalence of chronic disease has reached an unprecedented level.
A chronic disease, or long-term condition (LTC), is a health issue that requires ongoing management over a period of years or decades. These aren't temporary ailments; they are life-altering diagnoses that reshape every aspect of a person's existence, from their daily routine to their long-term financial stability.
- 34% of the UK population (approximately 22.8 million people) now report living with at least one diagnosed chronic condition. This is up from 26% just a decade ago.
- 1 in 5 working-age adults (aged 30-55) are now managing a long-term condition, dispelling the myth that this is solely an issue for the elderly.
- Multi-morbidity is on the rise: Over 6 million people in the UK are now living with two or more chronic conditions, significantly complicating care and compounding financial pressures.
The most prevalent conditions are driving this surge, affecting millions and placing immense pressure on both the NHS and household finances.
UK's Most Common Chronic Conditions (2025 Prevalence)
| Condition | Estimated Number of People Affected (UK) | Key Financial Impact Areas |
|---|---|---|
| Cardiovascular Disease | 7.8 million | Lost income, prescriptions, potential surgery |
| Type 2 Diabetes | 5.2 million | Medication, dietary changes, long-term complications |
| Chronic Respiratory Disease (e.g., COPD) | 3.5 million | Reduced work capacity, home equipment (nebulisers) |
| Cancer (survivors living with long-term effects) | 3.2 million | Work absence, travel to treatment, mental health support |
| Chronic Kidney Disease | 3.1 million | Dialysis, dietary restrictions, high risk of work loss |
| Anxiety & Depression (as a chronic condition) | 8.5 million | Therapy costs, reduced productivity, sick leave |
| Musculoskeletal Disorders (e.g., severe arthritis) | 9.0 million | Mobility aids, home adaptations, pain management |
| Neurological Conditions (e.g., MS, Parkinson's) | 1.2 million | Specialist care, progressive loss of income, home care |
This data isn't just about health statistics. Each number represents a person, a family, and a future suddenly thrown into uncertainty. The quiet professional who can no longer manage a 50-hour work week. The parent who has to choose between a new therapy and their child's savings account. This is the reality behind the numbers.
The £4 Million+ Bombshell: Unpacking the True Lifetime Cost of Chronic Illness
The diagnosis is the first shock. The financial fallout is the long, grinding aftershock that can last a lifetime. The £4.5 million figure may seem astronomical, but when broken down over decades, its terrifying logic becomes clear. This isn't a single bill; it's a slow, relentless drain on a family's entire economic potential.
Let's break down how these costs accumulate, using the example of "David," a 42-year-old marketing manager, married with two children, diagnosed with Multiple Sclerosis (MS).
1. The Catastrophic Loss of Income (£2,000,000 - £3,500,000+)
This is the single biggest financial destroyer.
- David's Income: As a manager earning £60,000 per year, his career trajectory was positive. Over the next 25 years until retirement, his potential future earnings were well over £1.5 million, not including promotions or bonuses.
- The Reality: MS is progressive. Within five years, fatigue and cognitive issues force him to step down to a part-time, less demanding role, halving his income. Within twelve years, he is unable to work at all. The total lost income over his working life easily surpasses £1,000,000.
- The Carer's Income: David's wife, earning £40,000, has to reduce her hours to manage his care, appointments, and the household. Over 20 years, her lost earnings and pension contributions could amount to £500,000 - £750,000.
2. The Unfunded Costs of Care & Treatment (£500,000 - £1,000,000+)
The NHS is a lifeline, but it doesn't cover everything. Families are left to plug the gaps.
- Home Adaptations: A wet room, stairlift, and widened doorways. Initial cost: £25,000. Ongoing maintenance and future adaptations add up.
- Specialist Equipment: A high-spec powered wheelchair (£15,000), a mobility vehicle (£30,000 every 8-10 years), and countless smaller aids. Lifetime cost: £100,000+.
- Private Therapies: The NHS may offer limited physiotherapy. To maintain mobility, David opts for weekly private sessions (£70/session), costing over £3,600 per year. Over 20 years, this is £72,000.
- Future Social Care: As his condition progresses, he may need professional home care. Even a few hours a day can cost £20-£30 per hour, equating to £20,000-£30,000 per year. If full-time residential care is needed in later life, costs can soar to over £70,000 per year. Over a decade, this can easily exceed £700,000.
3. The Hidden & Eroding Costs (£100,000+)
These are the insidious costs that bleed a family's finances dry.
- Increased Bills: Higher heating bills due to being at home more, special dietary needs, and prescription charges. An extra £100-£200 per month adds up to £24,000-£48,000 over 20 years.
- Lost Savings & Investments: The family's "rainy day" fund is drained. Plans for retirement, university fees for the children, and investments are shelved. The loss of compound growth on these savings is a massive, unseen cost.
- Travel Costs: Frequent trips to hospitals and specialists, often far from home, add up in fuel, parking, and time off work.
The Lifetime Burden: A Summary Table
| Cost Category | Estimated Lifetime Cost (Hypothetical Case) |
|---|---|
| Lost Income (Patient) | £1,000,000 - £1,500,000 |
| Lost Income (Carer) | £500,000 - £750,000 |
| Home Adaptations & Equipment | £125,000 - £200,000 |
| Private Therapies & Treatments | £70,000 - £100,000 |
| Long-Term Social Care | £250,000 - £1,000,000+ |
| Hidden Everyday Costs | £50,000 - £75,000 |
| Lost Investment Growth | £250,000 - £500,000+ |
| TOTAL ESTIMATED BURDEN | £2,245,000 - £4,125,000+ |
This is how a family's financial future, built over decades, can be dismantled by a single diagnosis. The £4.5 million figure is not an exaggeration; for many, it is a conservative estimate of a lifetime of financial struggle.
The State Safety Net: Can You Rely on the NHS and State Benefits Alone?
When faced with a health crisis, our first thought is often of the NHS and government support. While these systems provide a crucial foundation, relying on them alone to protect your family's financial well-being is a perilous gamble. The gap between what the state provides and what a family truly needs is vast.
The NHS: A Hero with Limits
The NHS is exceptional at providing "free at the point of use" emergency and acute medical care. A heart attack, a cancer operation, initial consultations—this is where it excels. However, its capacity for providing comprehensive, long-term chronic care is under immense strain.
You may face:
- Long Waiting Lists: For specialist consultations, non-urgent procedures, and essential therapies like physiotherapy or counselling.
- A Postcode Lottery: The availability and quality of specific chronic care services can vary dramatically depending on where you live.
- Limited Access to Innovation: The latest drugs or therapies may not be approved for NHS use, or only available to a small subset of patients, forcing many to consider expensive private options.
- No Financial Support: The NHS treats the illness, not your bank balance. It cannot pay your mortgage, cover your bills, or replace your lost salary.
State Benefits: A Leaky Life Raft
The welfare state provides a basic income floor, but it is not designed to maintain your family's lifestyle.
- Statutory Sick Pay (SSP): This is the first line of defence. For 2025, it's just £116.75 per week, paid by your employer for up to 28 weeks. This is a fraction of the average UK salary and is simply not enough to cover household outgoings.
- Employment and Support Allowance (ESA): After SSP runs out, you may be eligible for ESA. The maximum rate is around £138.20 per week. This is just over £7,000 per year.
- Personal Independence Payment (PIP): This is not means-tested and is designed to help with the extra costs of a disability or long-term condition. The maximum combined weekly rate is £184.30. While helpful for specific costs, it doesn't replace an income.
The Reality Check: State Support vs. Average UK Household Costs
| Support Type | Maximum Weekly Amount (2025) | Maximum Annual Amount | Average UK Household Weekly Spend (ONS) |
|---|---|---|---|
| Statutory Sick Pay (SSP) | £116.75 | £6,071 (pro-rata) | ~£670 |
| New Style ESA | £138.20 | £7,186 | ~£670 |
| Combined ESA + max PIP | £322.50 | £16,770 | ~£670 |
The table makes the protection gap brutally clear. Even with the maximum possible state support, a family's income would fall short of covering average weekly expenditure by over £340 per week, or £17,000 per year. This doesn't account for a mortgage, debt repayments, or the additional costs of the illness itself. The state safety net will keep you from drowning, but it will leave you stranded far from shore.
Your Financial Fortress: Introducing the LCIIP Shield
If the state cannot fully protect you, you must build your own financial fortress. This is where the LCIIP shield comes in—a powerful combination of three distinct types of insurance designed to work together to protect you and your family from the financial devastation of a chronic illness.
LCIIP stands for:
- Life Insurance
- Critical Illness Cover
- Income Protection
Let's look at each component of this essential shield.
1. Life Insurance: The Foundational Layer
This is the most well-known form of protection. It pays out a tax-free lump sum to your beneficiaries upon your death. In the context of chronic illness, it ensures that even if the worst happens after a long battle with a condition, your family is not left with debts, funeral costs, and an uncertain future. It secures their home and provides for their long-term needs.
2. Critical Illness Cover (CIC): The Financial First Responder
This is arguably the most crucial shield against the immediate financial shock of a chronic disease.
- How it works: It pays a tax-free lump sum on the diagnosis of a specific, serious condition listed in the policy. These typically include most cancers, heart attacks, strokes, multiple sclerosis, kidney failure, and many more.
- What it's for: This money is yours to use as you see fit. It provides immediate breathing space and financial power. Families use it to:
- Pay off the mortgage and other major debts instantly.
- Cover medical costs not available on the NHS.
- Adapt the home for new mobility needs.
- Replace a partner's income so they can afford to take time off to care for you.
- Fund a less stressful lifestyle during treatment and recovery.
A CIC payout can single-handedly prevent the catastrophic chain reaction of financial hardship that follows a diagnosis.
3. Income Protection (IP): The Long-Term Guardian
While CIC provides the initial lump sum, Income Protection is the marathon runner. It's designed to protect your most valuable asset: your ability to earn an income.
- 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 will pay you a regular, tax-free monthly income after a pre-agreed waiting period (known as the "deferred period").
- What it's for: This income replaces a significant portion of your lost salary (typically 50-70%). It allows you to:
- Continue paying your bills, rent, or mortgage.
- Maintain your family's standard of living.
- Keep contributing to your pension.
- Remove the financial pressure to return to work before you are medically ready.
IP is the policy that ensures the lights stay on and life can continue with dignity and stability, month after month, even if you can't work for years.
Critical Illness Cover vs. Income Protection: Which Guardian Do You Need?
A common question is whether to choose one over the other. The truth is, they serve different but complementary purposes. A robust protection plan often includes both. Think of it like this: if your house is on fire, Critical Illness Cover is the fire engine that puts out the blaze (the initial crisis), while Income Protection is the insurance payout that helps you rebuild and live elsewhere while repairs are made (the long-term recovery).
Here's a direct comparison:
| Feature | Critical Illness Cover (CIC) | Income Protection (IP) |
|---|---|---|
| Payout Type | One-off tax-free lump sum. | Regular tax-free monthly income. |
| When It Pays | On diagnosis of a specific, defined serious illness. | When any illness or injury prevents you from working. |
| Purpose | Tackle immediate financial shocks: mortgage, debts, adaptations. | Replace lost monthly salary to cover ongoing living costs. |
| Payout Duration | Paid once, then the policy ends. | Can pay out until you recover, retire, or the policy term ends. |
| Typical Scenario | "My cancer diagnosis triggered a £150k payout, which we used to clear the mortgage." | "My back injury stopped me working for 2 years. My IP paid me £2,000 every month." |
The ideal strategy is to have both. However, individual circumstances and budgets vary. Speaking with an expert adviser is the best way to determine the right blend for your specific needs. At WeCovr, we specialise in helping clients analyse their financial situation to build a tailored package, comparing policies from all major UK insurers to find the perfect fit.
Navigating the Market: How to Secure Your LCIIP Shield
Securing the right protection doesn't have to be complicated. Following a clear, logical process will ensure you get the cover your family deserves.
Step 1: Honestly Assess Your Needs Before you look at any policies, look at your own life.
- Debts: What is your outstanding mortgage? Do you have car loans or credit card debt? This is often the starting point for a Critical Illness lump sum.
- Income: What is your monthly take-home pay? How much of it is essential for your family's survival? This will determine your Income Protection level.
- Outgoings: List all your monthly bills – utilities, council tax, food, transport, childcare, subscriptions.
- Dependents: How many people rely on your income? How long will they need support? This influences the term of your policies.
Step 2: Understand Key Policy Terms A little knowledge goes a long way.
- Guaranteed vs. Reviewable Premiums: Guaranteed premiums are fixed for the life of the policy, providing certainty. Reviewable premiums start cheaper but can increase over time.
- Deferred Period (for IP): This is the waiting period between when you stop working and when the policy starts paying out. It can range from 4 weeks to 12 months. A longer deferred period means a lower premium.
- 'Own Occupation' Cover (for IP): This is the gold standard. It means the policy will pay out if you are unable to do your specific job. Less comprehensive definitions (like 'suited occupation' or 'any occupation') are harder to claim on and should be scrutinised carefully.
Step 3: The Critical Importance of Full Disclosure When you apply for insurance, you will be asked questions about your health, lifestyle, and family medical history. It is absolutely vital that you answer these questions with 100% honesty and accuracy. Hiding a pre-existing condition or your smoking habits is the single biggest reason for claims being declined later. It's better to pay a slightly higher premium for a policy that is guaranteed to pay out than a cheaper one that is voided when you need it most.
Step 4: Use an Expert Independent Broker You could go directly to an insurer, but you would only see their products. An independent broker, like WeCovr, works for you, not the insurance company.
- Whole-of-Market Access: We compare policies, definitions, and prices from dozens of UK insurers to find the best value and the most suitable cover.
- Expert Guidance: We help you understand the jargon, assess your needs accurately, and choose the right options (like 'own occupation' cover).
- Application Support: We assist with the forms, ensuring they are completed correctly to minimise the risk of future problems.
- Claim Support: If the worst happens, a good broker will be in your corner, helping you and your family with the claims process.
At WeCovr, our commitment extends beyond the policy. That's why all our clients receive complimentary access to CalorieHero, our AI-powered nutrition and calorie tracking app, because we believe proactive health management is the first line of defence.
Frequently Asked Questions (FAQs) about Chronic Illness and Protection Insurance
1. Can I get cover if I already have a chronic condition? It can be more challenging, but not always impossible. Depending on the condition, its severity, and how well it's managed, you might be offered cover with a "premium loading" (it costs more) or an "exclusion" (the policy won't cover claims related to that specific condition). It's always worth speaking to a broker who can approach specialist insurers on your behalf.
2. How much cover do I really need? For Critical Illness, a common rule of thumb is to cover your mortgage and other large debts, plus 1-2 years' worth of your annual salary. For Income Protection, aim to cover 50-65% of your gross monthly income, which is usually sufficient to cover your essential outgoings as the payout is tax-free.
3. Are insurance payouts from LCIIP policies taxed? No. For personal protection policies like these, the lump sum from Life Insurance or Critical Illness Cover, and the monthly income from an Income Protection policy, are all paid free of UK income tax and capital gains tax.
4. What's the most common reason for a claim being declined? According to the Association of British Insurers (ABI), the vast majority of claims (around 98% for protection insurance) are paid successfully. The small number that are declined are overwhelmingly due to "non-disclosure" – where the applicant failed to provide accurate and complete information about their health and lifestyle at the application stage.
5. I'm young and healthy, isn't this all a bit expensive and unnecessary? This is precisely the best time to get cover. Premiums are significantly lower when you are young and healthy. A 30-year-old non-smoker could secure substantial Critical Illness and Income Protection cover for less than the cost of a daily coffee. Waiting until you are older or have a health issue means the cost will be much higher, or you may not be able to get cover at all. It's an investment in guaranteeing your future financial security.
Your Future Is Not a Matter of Chance, But of Choice
The 2025 data is a stark warning. The silent epidemic of chronic disease is no longer a distant threat; it is here, and it is the single greatest non-market risk to your family's financial future. Relying on hope, or a state safety net stretched to its limits, is not a strategy. It is a gamble with the highest possible stakes.
The financial devastation wrought by a long-term illness—the lost income, the unfunded care costs, the erosion of a lifetime's work—is largely preventable.
Building your family's LCIIP shield is an act of profound responsibility and care. It is a declaration that no matter what health challenges life may bring, your family's home, stability, and future opportunities will be protected. It transforms financial uncertainty into peace of mind.
Don't wait for a diagnosis to reveal the gaps in your financial plan. The time to act is now, while you are healthy and the choice is still yours.
The team at WeCovr is ready to provide a no-obligation review of your protection needs. Let us help you build the fortress your family deserves.
Related guides
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!