UK Early Retirement Shock
UK 2025 Shock New Data Reveals Over 1 in 3 Britons Will Be Forced Into Early Retirement Due to Ill Health, Fueling a Staggering £4 Million+ Lifetime Income Gap, Eroding Pension Futures & Unravelling Family Security – Is Your LCIIP Shield Your Unseen Ally Against Lifes Inevitable Curves
The retirement dream for many Britons is one of active travel, cherished time with family, and the freedom to pursue long-held passions. But a startling new reality is emerging, casting a long, dark shadow over these aspirations. Ground-breaking 2025 data reveals a national crisis unfolding in plain sight: more than one in three UK workers (35%) are now projected to be forced out of the workforce prematurely due to sickness or disability.
This isn't a distant threat; it's a clear and present danger to the financial bedrock of millions. This mass exodus from the workplace is not a choice but a consequence of ill health, creating a devastating lifetime income gap that can exceed £4.8 million for a higher-earning couple, gutting pension pots and tearing apart the fabric of family financial security.
The promise of a comfortable retirement, built over decades of hard work, is being shattered. The question is no longer if life will throw you a curveball, but when—and whether you have a defence in place. In this new landscape of uncertainty, a powerful but often overlooked form of financial protection is emerging as the essential safeguard: the LCIIP Shield.
This comprehensive guide will unpack the shocking statistics, quantify the colossal financial risk, and introduce you to the triple-lock defence of Life Insurance, Critical Illness Cover, and Income Protection (LCIIP). This is your unseen ally, the one tool that can stand between your family and financial ruin when your health unexpectedly fails.
The Gathering Storm: Unpacking the 2025 Early Retirement Crisis
The latest figures paint a sobering picture. Data compiled from the Office for National Statistics (ONS) and a landmark 2025 study by the Centre for Ageing Better has exposed the sheer scale of the UK's health-driven early retirement problem. The headline figure of over one-third of Britons being forced to stop work early isn't hyperbole; it's a statistical reality rooted in several converging trends.
Key Statistics Driving the Crisis (2025 Data Projections):
| Statistic | Source | Implication |
|---|---|---|
| 35% of workforce | Centre for Ageing Better 2025 | Over a third of careers will be cut short by illness. |
| 2.8 million people | ONS Labour Force Survey | Number of individuals out of work due to long-term sickness. |
| 5.4 years earlier | Institute for Fiscal Studies | Average age of forced retirement vs. planned retirement. |
| 45% increase since 2020 | NHS Digital Data | Rise in long-term sick leave for mental health conditions. |
| 7.5 million people | NHS England | Record-high waiting list for routine treatments. |
So, what's fuelling this perfect storm?
- An Ageing Workforce: The UK population is getting older. While we're living longer, we're not necessarily living healthier for longer. The number of people over 50 in the workforce is at a record high, and this demographic is more susceptible to chronic health conditions.
- The Rise of Chronic Conditions: Musculoskeletal problems (bad backs, arthritis), mental health disorders (stress, anxiety, depression), and the 'big three' – cancer, heart disease, and stroke – are the primary drivers. ONS data shows(ons.gov.uk) these are consistently the leading causes of long-term absence.
- Mental Health Epidemic: The modern workplace, with its "always-on" culture, has seen a dramatic rise in stress, burnout, and serious mental health conditions. These are no longer secondary concerns; they are a leading cause of long-term work incapacity.
- Pressure on the NHS: Unprecedented waiting lists for consultations, diagnostics, and treatments mean that manageable conditions can escalate. A delayed hip replacement or a long wait for therapy can be the difference between staying in work and having to leave.
This isn't about isolated cases. It's a systemic issue affecting teachers, builders, office workers, and entrepreneurs alike. The traditional model of working until a planned State Pension Age is broken for a huge swathe of the population.
The £4.8 Million Lifetime Income Gap: A Devastating Financial Reality
The phrase "income gap" fails to capture the sheer financial cataclysm that early retirement triggers. It’s a chasm that swallows not just monthly earnings but also future pension growth, savings potential, and the ability to support your family.
The headline figure of a £4 Million+ lifetime income gap can seem abstract, but it represents the potential combined loss for a high-earning couple in their 40s, both earning six-figure salaries and forced to retire two decades early. For most people, the individual figure is smaller but no less life-altering.
Let’s break it down into more relatable terms. Consider a 45-year-old forced to stop working, with a planned retirement age of 67.
The Individual Lifetime Income & Pension Gap:
| Annual Salary | Years Lost (Age 45-67) | Lost Gross Income | Lost Pension Contributions* | Total Financial Gap |
|---|---|---|---|---|
| £35,000 | 22 | £770,000 | £154,000 | £924,000 |
| £50,000 | 22 | £1,100,000 | £220,000 | £1,320,000 |
| £70,000 | 22 | £1,540,000 | £308,000 | £1,848,000 |
*Assumes a combined employer/employee pension contribution of 20% of salary, a conservative estimate for many professionals.
These are staggering numbers. This gap represents the money that would have paid the mortgage, funded university education, paid for holidays, and crucially, been invested to create a comfortable pension pot.
The financial devastation cascades through every aspect of life:
- Mortgage & Rent: Without an income, the single biggest monthly outgoing becomes an immediate threat.
- Pension Obliteration: Not only do you lose your own contributions, but you also lose the invaluable employer contributions and decades of compound growth. A pension pot can be 50-70% smaller as a result.
- Savings Annihilation: Existing savings and investments, earmarked for retirement or inheritance, are rapidly depleted to cover day-to-day living costs.
- Loss of Employee Benefits: Valuable perks like Death in Service cover, private medical insurance, and company sick pay all vanish overnight.
- Family Security Unravels: The ability to support children, help with house deposits, or care for elderly parents disappears, placing immense strain on the entire family unit.
The Human Cost: Beyond the Balance Sheet
The financial figures, as stark as they are, don't tell the whole story. The human cost of being forced to abandon your career is profound and deeply personal.
Meet Mark, a Fictional but Realistic Case Study:
Mark was a 52-year-old graphic designer, running his own successful small agency. He loved his work, the creativity, the client relationships. A sudden, severe stroke left him with significant cognitive and physical impairments. He could no longer manage the complex demands of his job.
- Loss of Identity: "For 30 years, I was 'Mark the designer'," he reflects. "Suddenly, I was just... a patient. My purpose, my routine, the thing that got me out of bed in the morning, was gone."
- Mental Health Spiral: The loss of his career and financial independence triggered a severe depression. The social connections he had through work evaporated, leaving him feeling isolated and alone.
- Relationship Strain: His wife, Sarah, had to reduce her own work hours to become his primary caregiver. The financial pressure and the change in their dynamic put an immense strain on their marriage.
- Future Erased: Their plans to travel in retirement and help their son with a house deposit were replaced by worries about paying for adaptations to their home and affording ongoing physiotherapy.
Mark's story is a microcosm of the national crisis. It highlights the invisible toll: the erosion of self-worth, the strain on mental health, and the immense pressure placed on family and loved ones. An illness doesn't just affect one person; it ripples through an entire family.
What is the LCIIP Shield? Your Triple-Lock Defence Explained
While you can't predict your future health, you can build a formidable defence to protect your financial well-being. This is the LCIIP Shield—a strategic combination of three core insurance products that work together to protect you against different eventualities.
Think of it as a three-layered shield:
- Income Protection (IP): Your front-line defence, replacing your monthly salary.
- Critical Illness Cover (CIC): Your financial first-responder, providing a lump sum for immediate needs.
- Life Insurance: Your ultimate backstop, securing your family's future legacy.
Let's look at how these components compare and work together.
The LCIIP Shield at a Glance:
| Product | What it Does | How it Helps in Early Retirement |
|---|---|---|
| Income Protection | Pays a regular, tax-free monthly income if you can't work due to illness or injury. | Directly replaces your lost salary, covering bills, mortgage, and daily living costs. |
| Critical Illness Cover | Pays a one-off, tax-free lump sum upon diagnosis of a specified serious illness. | Clears debts, funds medical care, adapts your home, or provides a financial cushion. |
| Life Insurance | Pays a one-off, tax-free lump sum to your loved ones if you pass away. | Clears the mortgage and provides for your family's long-term financial security. |
These three policies are not mutually exclusive; they are designed to be complementary, providing a comprehensive safety net that addresses the full spectrum of risks associated with a major health crisis. At WeCovr, we specialise in helping clients understand how these policies interact, building a personalised shield that fits their unique circumstances and budget.
Income Protection: The Unsung Hero of Financial Planning
If there is one component of the LCIIP shield that is purpose-built for the crisis of health-driven early retirement, it's Income Protection (IP). Yet, it remains the most misunderstood and under-utilised form of protection in the UK.
Consider this stark fact from the Association of British Insurers (ABI): You are over five times more likely to be unable to work for an extended period due to illness than you are to die before retirement age.
Despite this, far more people have life insurance than income protection. It’s like having a fire extinguisher for a flood.
How Does Income Protection Work?
IP is brilliantly simple. It's a long-term replacement for your salary.
- You choose a level of cover: Typically 50-70% of your gross monthly income. This is paid tax-free, making it equivalent to a much higher gross salary.
- You choose a deferment period: This is the waiting period before the payments start, ranging from 4 weeks to 12 months. You align this with any sick pay you get from your employer. A longer deferment period means a lower premium.
- The policy pays out: If you become unable to work due to any illness or injury (that isn't excluded), the policy pays your chosen monthly income.
- It pays for as long as needed: Depending on your policy, it can pay out for a set term (e.g., 2 or 5 years) or, crucially, right up until your chosen retirement age (e.g., 67).
Example: Jessica, a 42-year-old solicitor earning £80,000 a year, is diagnosed with Multiple Sclerosis (MS). The condition progresses to a point where she can no longer handle the demands of her job.
- Her IP Policy: Covers 60% of her salary (£4,000/month), has a 6-month deferment period, and pays out until age 67.
- The Result: After her 6 months of employer sick pay ends, her IP policy kicks in. She receives £4,000 tax-free every month. This income allows her to continue paying her mortgage, cover her bills, and contribute to her family's finances without draining her savings. The policy will continue to pay her for the next 25 years if she remains unable to work, completely bridging the income gap.
The most crucial element of an IP policy is the definition of incapacity. The gold standard is 'Own Occupation'. This means the policy will pay out if you are unable to do your specific job. Less comprehensive policies might use 'Suited Occupation' or 'Any Occupation', which may not pay out if you could, for example, work in a supermarket, even if you were a brain surgeon. This is a critical detail where expert advice, like that provided by us at WeCovr, is invaluable.
Critical Illness Cover: The Financial First Responder
While Income Protection provides a long-term income stream, Critical Illness Cover (CIC) acts as your immediate financial firefighter. It provides a large, tax-free lump sum of cash precisely when you need it most—at the point of diagnosis.
A major illness brings with it a host of unexpected and immediate costs. The NHS is fantastic, but it doesn't pay your mortgage while you're undergoing chemotherapy or cover the cost of a private consultation to get a faster diagnosis.
A CIC payout is a financial lifeline that can be used for anything, giving you control and choice in a situation where you can feel powerless.
How a CIC Payout Can Be Used:
- Clear the Mortgage: Imagine the relief of knowing your home is secure, no matter what. Removing this huge monthly expense can transform your financial situation overnight.
- Fund Private Treatment: Bypass long NHS waiting lists for surgery or access specialist drugs not available on the NHS. This can directly impact your health outcome.
- Adapt Your Home: Pay for a stairlift, a wet room, or wheelchair access, allowing you to remain independent in your own home.
- Bridge the Income Gap: Provide a fund for you or your partner to take time off work to focus on recovery without financial worry.
- Cover Global Treatment: Fund travel and accommodation to see a world-leading specialist in another country.
Modern CIC policies cover a vast range of conditions, far beyond the original "big three" of cancer, heart attack, and stroke.
Common Conditions Covered by a Comprehensive CIC Policy:
| Category | Examples of Conditions Covered |
|---|---|
| Cancer | Most invasive cancers, Carcinoma in situ |
| Heart & Circulation | Heart Attack, Stroke, Coronary Artery Bypass |
| Neurological | Multiple Sclerosis, Parkinson's, Motor Neurone Disease |
| Organ Failure | Major Organ Transplant, Kidney Failure |
| Permanent Disability | Loss of Limb, Permanent Blindness or Deafness |
| Other Conditions | Severe Burns, Traumatic Head Injury, Aplastic Anaemia |
Many policies also offer partial payments for less severe conditions, providing a smaller payout for earlier stage cancers or conditions that don't meet the full definition, giving you even greater protection.
The Role of Life Insurance: Securing Your Legacy
Life Insurance is the final, crucial layer of the LCIIP Shield. While IP and CIC are designed to protect you during your lifetime, life insurance is there to protect your family after you're gone.
A serious illness that forces you into early retirement can sadly also be a terminal one. In this scenario, a Life Insurance policy provides the ultimate peace of mind, knowing that your financial commitments will be met and your family will be provided for.
- Terminal Illness Benefit: Most modern term life insurance policies include this feature for free. It means the policy will pay out the full sum assured before death if you are diagnosed with a terminal illness and have less than 12 months to live. This allows you to get your financial affairs in order and can even be used for palliative care or making final memories with your family.
- Types of Cover:
- Level Term: The payout amount remains the same throughout the policy term. Ideal for covering an interest-only mortgage or providing a lump sum for your family to live on.
- Decreasing Term: The payout amount reduces over time, typically in line with a repayment mortgage. This is a very cost-effective way to ensure your biggest debt is always covered.
- Whole of Life: This policy guarantees a payout whenever you die, making it a useful tool for inheritance tax planning or leaving a guaranteed legacy.
Combining life insurance with critical illness cover on a single policy is often a cost-effective way to build your shield, ensuring you are protected against both illness and death.
Demystifying the Costs: Is an LCIIP Shield Affordable?
A common misconception is that this level of protection is prohibitively expensive. In reality, for most people, it costs significantly less than they imagine—often no more than a few daily coffees or a monthly subscription to a streaming service.
The cost (the premium) is based on several factors: your age, your health, your smoking status, your occupation, the level of cover you want, and the policy features (like the deferment period for IP).
Let's look at some example monthly premiums for a healthy non-smoker in a low-risk office job.
Example Monthly Premiums (Illustrative):
| Age | Income Protection (£2,000/month, pays to age 67, 3-month deferment) | Critical Illness Cover (£100,000 lump sum, level term to age 67) |
|---|---|---|
| 30 | £25 - £35 | £18 - £28 |
| 40 | £45 - £60 | £35 - £50 |
| 50 | £80 - £110 | £75 - £100 |
Premiums are for illustration only and will vary based on individual circumstances and insurer.
As you can see, securing cover when you are younger and healthier is significantly cheaper. The key takeaway is that a robust LCIIP shield is far more affordable than the alternative: facing a lifetime income gap of hundreds of thousands, or even millions, of pounds.
At WeCovr, we don't just find you a policy; we find you value. Our expert advisors search the entire UK market, comparing plans from leading insurers like Aviva, Legal & General, Zurich, and Royal London, to find the right combination of cover that fits your budget.
We also believe in promoting proactive health. That's why, as part of our commitment to our clients' overall well-being, we provide complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It's a small way we can help you stay on top of your health, which is, after all, your most valuable asset.
Navigating the Maze: How to Build Your Personal LCIIP Shield
Building your financial defence shield might seem daunting, but it can be broken down into a few logical steps.
Step 1: Conduct a Financial Health Check Before you can protect your finances, you need to understand them.
- Calculate your essential outgoings: Mortgage/rent, bills, food, transport, childcare. This is the minimum income you'd need to replace.
- List your debts: Mortgage, car loans, credit cards. This helps determine the lump sum you might need from a CIC policy.
- Check your existing cover: What sick pay does your employer offer, and for how long? Do you have any 'death in service' benefits? This prevents you from over-insuring and paying for cover you don't need.
Step 2: Understand the Key Terms Familiarise yourself with the language. Knowing the difference between 'own occupation' and 'any occupation', or a 'deferment period' and a 'policy term', empowers you to have a more meaningful conversation with an advisor.
Step 3: Be Completely Honest on Your Application It is critically important to provide full and honest answers about your health, lifestyle (including smoking and alcohol consumption), and family medical history. Non-disclosure is one of the main reasons claims are rejected. An insurer would rather cover you with a slightly higher premium for a pre-existing condition than discover something was hidden later on.
Step 4: Use an Expert Independent Broker This is arguably the most important step. Trying to navigate the market alone is complex and risky. An expert broker, like WeCovr, offers several key advantages:
- Whole-of-Market Access: We compare products from all major UK insurers, not just a select few.
- Expert Advice: We translate the jargon and help you tailor a package that truly meets your needs, ensuring there are no gaps in your cover.
- Application Support: We help you complete the forms correctly, minimising the risk of non-disclosure issues.
- Trust & Claims Support: If the worst happens, we are in your corner, helping you and your family navigate the claims process.
Step 5: Review Your Cover Regularly Your LCIIP shield is not a "set and forget" product. Life events should trigger a review of your cover:
- Getting married or divorced
- Having children
- Taking on a larger mortgage
- Changing jobs or getting a significant pay rise
A quick annual check-in with your advisor ensures your shield remains fit for purpose as your life evolves.
Conclusion: Taking Control of Your Future Today
The 2025 data is not a prediction; it's a warning. The ground beneath our feet has shifted. The assumption of a long, uninterrupted career followed by a planned, healthy retirement is a luxury that a third of Britons will not have.
Relying on hope or the State is no longer a viable strategy. State benefits are a safety net, but they are not designed to support a middle-class lifestyle, protect a family home from being sold, or fund a comfortable retirement.
The rise of health-driven early retirement is a silent crisis, but its impact is deafeningly loud for the families it affects. It unravels decades of financial planning in an instant, turning dreams into nightmares.
But there is a solution. You have the power to act today to erect a powerful financial fortress around yourself and your loved ones. The LCIIP Shield—of Income Protection, Critical Illness Cover, and Life Insurance—is the definitive answer to this modern-day threat. It is the unseen ally that works tirelessly in the background, ready to spring into action when life throws its inevitable curves.
Don't wait for a health scare to become a financial crisis. Take control. Make the decision today to transform uncertainty into security. An LCIIP Shield isn't an expense; it's a profound investment in your peace of mind, your family's future, and the retirement you've worked so hard to deserve.
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!