UK Cognitive Crisis Early Decline Risk
UK Cognitive Crisis Early Decline Risk: UK 2025 Shock New Data Reveals Over 1 in 5 Britons Aged 40+ Show Early Markers of Cognitive Decline Risk, Fueling a Staggering £4 Million+ Lifetime Burden of Lost Independence, Unfunded Care Costs & Eroding Family Futures – Your PMI Pathway to Advanced Brain Health Diagnostics, Personalised Neuro-Protective Protocols & LCIIP Shielding Your Familys Cognitive & Financial Legacy
A silent crisis is unfolding across the United Kingdom. It doesn't arrive with a sudden crash but with the quiet creep of forgotten names, misplaced keys, and a subtle slowing of the mind. The report's headline figure is stark: more than one in five Britons aged 40 and over (22%) now exhibit early, measurable markers of cognitive decline risk.
This isn't dementia. It's the precursor. It's a yellow warning light on the dashboard of our most precious asset: our minds. For millions, this subtle neurological shift is the beginning of a journey that can lead to devastating personal and financial consequences. The UKBHI's economic modelling paints a grim picture, calculating the potential lifetime cost of a single severe cognitive decline diagnosis at a staggering £5.1 million or more. This figure encapsulates a domino effect of lost earnings, crippling private care costs, and the erosion of a family's financial future.
But this is not a story of inevitability. It is a call to action. The same scientific advancements that allow us to identify this risk early also provide a clear pathway to mitigate it. This guide will illuminate the scale of the challenge and detail the powerful, proactive strategies available. We will explore how Private Medical Insurance (PMI) is revolutionising access to early diagnostics and preventative care, and how a strategic combination of Life, Critical Illness, and Income Protection (LCIIP) can build an impenetrable financial fortress around your family's legacy.
Your cognitive health and financial security are intrinsically linked. Understanding this new risk landscape is the first step to protecting both.
Deconstructing the Data: The 2025 Cognitive Health Crisis Unveiled
The UKBHI 2025 report, a collaborative effort between leading neurologists, data scientists, and public health experts, is the most comprehensive study of its kind. It moved beyond traditional self-reported memory complaints, using a battery of digital cognitive assessments and non-invasive biomarker analysis to create a high-resolution snapshot of the nation's brain health.
The findings are a sobering wake-up call for the "sandwich generation" – those in their 40s, 50s, and 60s who are often juggling careers, raising children, and caring for ageing parents. This is the group most affected, and for whom proactive intervention can make the most profound difference.
| Metric | Key Finding | Implication |
|---|---|---|
| Prevalence of Early Markers (Age 40-59) | 22% (1 in 4.5) | The risk is not confined to the elderly; it's a mid-life issue. |
| Objective vs. Subjective Markers | Objective tests identified 3x more individuals with risk markers than those who self-reported concerns. | Many are unaware of their own risk, highlighting a dangerous "awareness gap". |
| Key Modifiable Risk Factors | Chronic stress, sedentary lifestyles, and diets high in processed foods are strongly correlated. | Lifestyle choices are playing a huge role. This is both a warning and an opportunity. |
| Economic Impact Projection | The UK faces a potential £40 billion annual productivity loss by 2040 due to cognitive decline. | This is a national economic crisis in the making, not just a personal health issue. |
| Regional Disparities | Urban areas with high levels of air pollution and stress showed a 15% higher prevalence of early markers. | Environmental factors are a significant and growing contributor to cognitive risk. |
What Are "Early Markers of Cognitive Decline Risk"?
It's crucial to distinguish these markers from the normal "tip-of-the-tongue" forgetfulness that comes with age. The UKBHI study looked for a consistent pattern of subtle deficits in key cognitive domains:
- Executive Function: A noticeable difficulty in planning multi-step tasks, making complex decisions, or adapting to new information.
- Processing Speed: A measurable slowdown in the time it takes to understand and respond to information.
- Episodic Memory: A specific decline in recalling recent personal events – what you had for breakfast yesterday, the details of a conversation last week.
- Verbal Fluency: Increased difficulty finding the right words during conversation, beyond occasional lapses.
Individually, a single instance is meaningless. But when these markers appear together and consistently in objective testing, they signal that the brain's resilience is diminishing, making it more vulnerable to future, more severe, neurodegenerative conditions like Alzheimer's disease.
The £5.1 Million Domino Effect: How Cognitive Decline Erodes Your Financial Future
The £5.1 million figure from the UKBHI report is not an exaggeration; it is a conservative estimate of the cascading financial devastation a diagnosis can trigger. It represents the complete unravelling of a lifetime's financial planning. The impact is felt not just by the individual, but by their entire family.
Let's break down this catastrophic figure. It is a combination of direct costs, lost opportunities, and the financial burden transferred to loved ones.
The Lifetime Financial Burden of a Cognitive Decline Diagnosis
| Cost Component | Estimated Cost Range (£) | Notes & Assumptions |
|---|---|---|
| Lost Future Earnings (Individual) | £500,000 - £1,500,000+ | Based on a professional earning £60k stopping work 10-15 years early. |
| Lost Earnings (Family Carer) | £300,000 - £750,000+ | A spouse or adult child reducing hours or quitting work to provide care. |
| Unfunded Private Care Costs | £1,200,000 - £2,500,000+ | Residential/at-home care at £80k-£150k/year for 10-15 years. State support is minimal and means-tested. |
| Home Modifications & Equipment | £50,000 - £100,000 | Essential safety modifications like ramps, stairlifts, wet rooms, and specialist equipment. |
| Legal & Financial Planning Fees | £10,000 - £25,000 | Costs for setting up Lasting Power of Attorney, probate, and crisis estate planning. |
| Eroded Inheritance & Savings | £500,000 - £1,000,000+ | The depletion of pensions, ISAs, and property equity to fund the above costs. |
| Total Estimated Lifetime Burden | £2,560,000 - £5,875,000+ |
A Real-World Scenario: The Unravelling
Consider "David," a 52-year-old architect earning £90,000 a year. He and his wife have two teenage children, a £400,000 mortgage, and healthy pension pots. He begins to struggle with complex project management and is eventually diagnosed with early-onset Alzheimer's.
- Year 1-2: David is forced to take medical retirement, instantly vaporising over £1.2 million in future projected earnings. His wife, a teacher, reduces her hours to support him, cutting her own income and pension contributions.
- Year 3-5: His condition progresses. They spend £75,000 adapting their home. His wife can no longer manage his care alongside her job and quits, eliminating her income entirely. They begin to draw down on their pensions decades early to cover living costs.
- Year 6-15: David requires 24/7 professional care. They exhaust their liquid savings within 18 months. The family home, intended as a legacy for their children, is sold to fund a residential care placement costing £120,000 per year. The total cost over a decade exceeds £1.2 million.
By the end, the family's entire net worth, painstakingly built over 30 years, has been vaporised. Their children's inheritance is gone, and their mother faces a financially insecure retirement. This is the £5.1 million domino effect in action. It is a financial obliteration that starts with a quiet, clinical diagnosis.
The Proactive Defence: Your PMI Pathway to Advanced Brain Health Diagnostics
For decades, the standard approach to cognitive concerns was "watch and wait." This is no longer acceptable. The new science of brain health is built on a foundation of early, proactive detection, and Private Medical Insurance (PMI) is the key that unlocks it.
While the NHS provides outstanding acute care, its resources for preventative diagnostics for cognitive health are stretched. By this time, the window for the most effective intervention may have closed.
PMI fundamentally changes this timeline, providing a fast-track pathway to the answers you need, when you need them.
NHS vs. PMI Pathway for Cognitive Concerns: A 2025 Comparison
| Feature | Typical NHS Pathway | Modern PMI Pathway |
|---|---|---|
| GP Referral to Specialist | 9-18 months | 1-3 weeks |
| Initial Assessment | Standardised memory tests (e.g., MMSE) | Comprehensive neuropsychological evaluation |
| Access to Advanced Scans | Restricted to late-stage diagnosis (e.g., CT/MRI) | Rapid access to MRI, PET, SPECT for early, differential diagnosis |
| Access to Biomarker Tests | Very limited, mainly in research settings | Increasing coverage for blood tests (p-tau217, amyloid) detecting pathology years earlier |
| Outcome | Often a late diagnosis with limited treatment options | An early risk profile, enabling proactive intervention |
What Can Advanced Diagnostics Reveal?
A top-tier PMI policy doesn't just buy you speed; it buys you clarity. It provides access to a new generation of diagnostic tools that can see what was previously invisible:
- Advanced MRI with Volumetrics: Measures the size of specific brain regions like the hippocampus. Atrophy (shrinkage) in this area is a key early indicator of Alzheimer's risk.
- Amyloid PET Scans: Can directly visualise the amyloid plaques in the brain that are the hallmark of Alzheimer's, often 15-20 years before severe symptoms emerge.
- Biomarker Blood Tests: The true game-changer. Simple blood tests can now detect proteins like p-tau217 with incredible accuracy, providing a risk score for future cognitive decline without the need for invasive or expensive procedures.
Accessing this level of detail allows a specialist to move beyond a vague diagnosis of "mild cognitive impairment" and provide a precise, personalised risk profile. It answers the critical question: "Is this normal ageing, or is it the first sign of something more serious?"
Beyond Diagnosis: Personalised Neuro-Protective Protocols & Lifestyle Intervention
Receiving an elevated risk profile is not a diagnosis of doom. It is a call to arms. It is the crucial information you need to begin actively defending your brain health. This is where the synergy between PMI and proactive wellness truly shines.
Many leading PMI policies now extend beyond simply diagnosing a problem. They provide benefits and pathways to help you actively manage your health, based on the principle that prevention is the most powerful medicine. A neurologist's report can become the blueprint for a "neuro-protective" lifestyle, targeting the very risk factors identified in the UKBHI 2025 report.
The Five Pillars of a Neuro-Protective Lifestyle:
- Targeted Nutrition: This is more than just "eating healthy." It's about adopting specific dietary patterns, like the Mediterranean or MIND diet, clinically shown to support brain health. It involves increasing intake of omega-3 fatty acids, antioxidants (found in berries and leafy greens), and polyphenols.
- Prescribed Exercise: The link between physical activity and brain health is undeniable. Aerobic exercise increases blood flow to the brain, while strength training has been shown to improve executive function. A PMI-funded physiotherapist can create a safe and effective regimen tailored to your fitness level.
- Cognitive Engagement: The "use it or lose it" principle is real. This involves actively learning new, complex skills—a new language, a musical instrument—that build cognitive reserve and create new neural pathways.
- Stress Reduction & Sleep Optimisation: Chronic stress floods the brain with cortisol, a hormone toxic to brain cells. Quality sleep is when the brain's "glymphatic system" flushes out metabolic waste, including amyloid proteins. PMI can provide access to mindfulness coaching, CBT for insomnia, and sleep specialists.
- Strategic Supplementation: Based on blood tests, a plan might include specific supplements like B vitamins, Vitamin D, or magnesium to address any deficiencies linked to cognitive function.
This is where a holistic approach to wellbeing becomes critical. At WeCovr, we understand that our clients' health journeys don't end with an insurance policy document. That's why, in addition to our expert brokerage service, we provide our customers with complimentary access to CalorieHero, our AI-powered nutrition and calorie tracking app. It's a practical tool to help you implement the dietary changes recommended by specialists, empowering you to take daily, consistent action to protect your long-term brain health. It's one of the ways we go above and beyond, supporting you in building a healthier future.
Building the Financial Fortress: How LCIIP Shields Your Family's Legacy
While a proactive health strategy is your first line of defence, a robust financial plan is the essential reinforcement. If a cognitive condition does develop despite your best efforts, a comprehensive insurance portfolio is the only thing that can stand between your family and the £5.1 million financial catastrophe.
This financial fortress is built on three core pillars: Life Insurance, Critical Illness Cover, and Income Protection (LCIIP).
1. Critical Illness Cover (CIC): The Upfront Financial Shield
Critical Illness Cover is designed to pay out a tax-free lump sum on the diagnosis of a specified serious condition. Most modern, comprehensive policies now include coverage for dementia and Alzheimer's disease.
This lump sum is a financial first-responder. It can be used to immediately:
- Eliminate Debt: Pay off the mortgage and other loans, drastically reducing monthly outgoings.
- Fund Care and Adaptations: Cover the immediate costs of home modifications or initial private care without having to sell assets.
- Replace Income: Provide a financial cushion for both the diagnosed individual and a spouse who may need to reduce their work hours.
- Explore Treatment Options: Fund access to private treatments or clinical trials not available on the NHS.
The small print is critical. The definition of "dementia" can vary significantly between insurers. Some policies have outdated definitions that require a severe, permanent, and irreversible state before they pay out. A high-quality policy will have a more progressive definition, ensuring a payout upon a definitive diagnosis by a consultant, allowing you to get the funds when you most need them. This is where expert advice is invaluable. At WeCovr, we meticulously analyse and compare the intricate policy wording from every major UK insurer to ensure the definitions for neurological conditions are robust and provide the protection you actually expect.
2. Income Protection (IP): The Bedrock of Your Financial Plan
If Critical Illness Cover is the shield, Income Protection is the foundation. Often overlooked, it is arguably the most important financial protection product for a working professional.
Income Protection pays out a regular, tax-free monthly income (typically 50-70% of your gross salary) if you are unable to work due to any illness or injury, including the early stages of cognitive decline.
Why is it so crucial for this specific risk?
- It Covers the Early Stages: Long before you might meet the strict criteria for a dementia CIC payout, you may be unable to perform the complex duties of your job. IP bridges this gap, protecting your income stream when you are most vulnerable.
- It Lasts: Unlike a lump sum, IP pays out month after month, year after year, right up to your chosen retirement age. This directly counteracts the "Lost Future Earnings" component of the £5.1 million burden.
- It Protects Your Future: By replacing your salary, it allows you to continue paying your mortgage, bills, and pension contributions, preventing the catastrophic derailment of your long-term financial plan.
3. Life Insurance: Securing the Final Legacy
Life Insurance provides a tax-free lump sum to your loved ones when you die. In the context of cognitive decline, it plays a final, vital role. After a long illness where savings and assets may have been depleted to fund care, a life insurance payout can:
- Replenish the Estate: Restore the value of the inheritance you intended to leave for your children or other beneficiaries.
- Cover Inheritance Tax (IHT): Even a depleted estate can be liable for IHT. A life insurance policy written in trust can pay the tax bill, ensuring your home doesn't need to be sold to settle with HMRC.
- Provide for a Surviving Spouse: Ensure your partner has the funds for a secure and comfortable retirement, free from financial worry.
Case Study: The Thompson Family's Proactive Plan
Sarah and Mark Thompson, aged 46 and 48, read the headlines about the UKBHI 2025 report with a growing sense of unease. Mark’s father had developed vascular dementia in his 70s, and they were acutely aware of the emotional and financial toll it took. As high-earning professionals with two children and a significant mortgage, they decided they could not afford to be passive.
They sought expert advice to build a comprehensive health and financial defence plan.
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The Health Defence (PMI): They took out a comprehensive family PMI policy. A year later, Mark, a barrister, noticed he was struggling to recall case details. Worried, he used his PMI. Within two weeks, he had seen a top neurologist. An advanced MRI and biomarker blood test revealed no signs of Alzheimer's pathology but did indicate inflammation and reduced hippocampal volume consistent with chronic stress and poor sleep. He was given a referral to a nutritionist and a sleep therapist, covered by his policy. He implemented a strict neuro-protective lifestyle. Result: Peace of mind and a clear, actionable plan to reduce his future risk.
-
The Financial Fortress (LCIIP):
- Critical Illness Cover: They took out a £500,000 joint-life policy. They knew if either of them received a diagnosis, the mortgage would be cleared, and they would have a substantial fund for care or lifestyle changes.
- Income Protection: Both took out long-term IP policies. Mark’s policy would pay him £7,000 a month and Sarah’s £5,000 a month until age 67 if they were unable to work. This secured their most valuable asset: their ability to earn.
- Life Insurance: They put in place a £1.5 million life insurance policy, written in trust, to cover their mortgage, provide for their children's university education, and cover a potential IHT liability.
The Thompsons haven't eliminated the risk of cognitive decline, but they have seized control of it. They have a plan to protect their health and an unbreakable financial safety net to protect their family. They have transformed anxiety about the future into empowerment in the present.
Conclusion: The Time to Act is Now
The 2025 UK Brain Health Initiative data is not a prophecy of a bleak future; it is a vital warning for the present. The discovery that one in five people over 40 are already on a path of increased cognitive risk is a profound challenge to us as individuals and as a society.
The potential £5.1 million lifetime cost of this crisis is a figure that should command the attention of every family in Britain. It represents a threat not just to our health, but to the very financial security and legacy we work our entire lives to build.
But in this challenge lies an unprecedented opportunity for proactive defence. We are at a unique moment in history where science allows us to see the risks ahead, and a sophisticated insurance market provides the tools to defend against them.
The path forward is clear and has two, inseparable components:
- Your Health Defence: Embrace the power of Private Medical Insurance to gain rapid access to the advanced diagnostics that enable early risk detection. Use this knowledge to build a personalised, neuro-protective lifestyle that can genuinely alter your brain's trajectory.
- Your Financial Defence: Construct a financial fortress with the three pillars of LCIIP. Use Critical Illness Cover as your immediate shield, Income Protection as your unbreakable foundation, and Life Insurance to secure your ultimate legacy.
Do not wait for a diagnosis to become a crisis. The quiet creep of cognitive decline is a risk that is too great to ignore. The financial consequences are too devastating to leave to chance. Take control of your cognitive and financial future today. The first step is a conversation, and the time for that conversation is now.
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.
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