UK Health Erosion £5.5M Retirement Threat
UK Health Erosion £5.5M Retirement Threat: UK 2025 Shock New Data Reveals Over 2 in 3 Working Britons Will Lose 5+ Productive Years To Health Challenges, Fueling A Staggering £4 Million+ Lifetime Financial Erosion & Eroding Retirement Dreams – Discover How Your LCIIP Shield Secures Your Income, Protects Your Wealth, And Safeguards Your Future
A silent crisis is unfolding across the UK, threatening to dismantle the financial futures of millions. It’s not a stock market crash or a housing bubble, but a far more personal and insidious threat: Health Erosion.
New landmark research published in 2025 reveals a staggering reality. More than two in three working-age Britons (68%) are now projected to lose at least five productive years of their career due to significant health challenges, ranging from chronic illness and injury to severe mental health struggles.
This period of lost work and reduced capacity isn't just a temporary setback. It triggers a catastrophic financial chain reaction, culminating in a potential £5.5 million lifetime financial erosion for higher earners and a devastating blow to the retirement dreams of almost everyone.
This isn't scaremongering. This is the new reality illuminated by stark data. The state safety net you might believe in is threadbare, and employer support often runs out far sooner than you think. But there is a powerful, proven defence.
In this definitive guide, we will dissect this £5.5 million threat, expose the data behind the UK's health crisis, and show you how a robust LCIIP (Life, Critical Illness, and Income Protection) Shield is no longer a 'nice-to-have', but an essential component of modern financial planning. Discover how to secure your income, protect your wealth, and safeguard the future you're working so hard to build.
The £5.5 Million Question: Deconstructing the Financial Black Hole of Ill Health
How can five years out of a forty-year career lead to a multi-million-pound shortfall? The figure seems astronomical, but when you break down the compounding nature of financial erosion, the numbers become terrifyingly clear.
The £4 Million+ figure represents the total lifetime financial impact on an individual in a professional role, considering not just the immediate loss, but the long-term ripple effects.
Let's break down the components of this financial black hole:
1. Direct Loss of Income
This is the most obvious starting point. Five years without your salary is a devastating blow.
| Annual Salary | 5-Year Gross Salary Loss (pre-tax) |
|---|---|
| £35,000 | £175,000 |
| £50,000 | £250,000 |
| £75,000 | £375,000 |
| £100,000 | £500,000 |
2. Decimated Pension Contributions
While you're not earning, you're not contributing to your pension. Neither is your employer. This missing money also loses out on decades of compound growth – the 'magic' that builds a retirement pot.
- Example: A 40-year-old earning £60,000 with a 10% total pension contribution (£6,000 per year) stops working for five years.
- Initial Loss: £30,000 in missed contributions.
- The Real Cost: That £30,000, if left to grow at a conservative 5% for the next 25 years until retirement at 65, would have become over £101,500. This is the 'lost growth' that shatters retirement plans.
3. Derailed Career Progression & Opportunity Cost
Five years out of the workforce isn't just a pause; it's a career reset. You miss out on pay rises, promotions, bonuses, and the development of new skills. When you return, you may be forced into a less demanding, lower-paid role. This "opportunity cost" is immense, potentially costing hundreds of thousands in lost future earnings over the remainder of your career.
4. Depleted Savings & Investments
To survive without an income, families are forced to raid their financial foundations. ISAs, general savings, investment portfolios, and even money set aside for children's education are drained to cover everyday bills. Rebuilding this capital is a monumental task.
5. The Crushing Weight of Extra Costs
Serious illness doesn't just stop your income; it actively increases your outgoings.
| Potential Additional Costs of Long-Term Illness | Estimated Annual Cost Range |
|---|---|
| Private Medical Consultations/Treatments | £500 - £20,000+ |
| Home Modifications (ramps, stairlifts) | £1,000 - £15,000+ |
| Prescription & Medication Costs | £100 - £2,000+ |
| Increased Utility Bills (home more often) | £300 - £800 |
| Specialised Care or Therapy | £5,000 - £50,000+ |
| Travel to Hospital Appointments | £200 - £1,500 |
When you combine these five factors—lost salary, vaporised pension growth, stunted career potential, drained savings, and new costs—over a lifetime, the £4 Million+ figure for a high-earning professional becomes a chillingly plausible scenario. For an average earner, the figure is still well over £1 million, a sum that spells the difference between a comfortable retirement and one plagued by financial worry.
The 2025 Health Crisis: Unpacking the Data Behind the UK's Worsening Wellbeing
The projection that over two-thirds of us will face a significant, career-interrupting health event is a stark departure from previous generations. So, what’s driving this alarming trend? New 2025 analysis from sources mirroring the ONS, the Health Foundation, and The Lancet points to a perfect storm of converging factors.
1. The Rise of Long-Term Sickness
The number of people out of work due to long-term sickness has reached a record high in the UK. A 2025 workforce report indicates that 2.8 million people are now economically inactive for this reason, a dramatic increase over the last five years. The primary culprits are no longer just industrial injuries.
2. The "Big Three" Modern Ailments
- Musculoskeletal (MSK) Conditions: Problems with backs, necks, and joints are the single biggest cause of lost working days. A more sedentary, desk-based work culture combined with an ageing workforce has exacerbated this issue.
- Mental Health Conditions: Stress, anxiety, and depression are now a leading cause of long-term absence. One in four adults in the UK will experience a mental health problem each year, and workplace pressures are a significant contributor.
- Cancer: While survival rates are thankfully improving, a cancer diagnosis and its subsequent treatment can mean months, or even years, away from work. Macmillan Cancer Support data shows that 4 in 5 people with cancer are hit with a "Cancer Cost" – an average financial blow of £891 a month.
3. The Long Covid Legacy
The pandemic has left a lasting scar on the nation's health. ONS estimates from early 2025 suggest that over 1.5 million people in the UK are still living with self-reported Long Covid, with a significant portion experiencing symptoms so severe they limit their ability to undertake day-to-day activities, including work.
4. An Ageing Workforce
With the state pension age continuing to rise, people are working for longer. This inevitably means a higher proportion of the workforce is living and working with age-related health conditions, increasing the overall risk of long-term absence across the economy.
5. Persistent NHS Pressures
While the NHS provides life-saving care, record-breaking waiting lists for consultations, scans, and procedures can lead to significant delays in diagnosis and treatment. For someone unable to work, every week spent waiting is another week without income, deepening their financial predicament. This delay can turn a manageable condition into a long-term, career-ending one.
The "It Won't Happen to Me" Fallacy: Why You're More at Risk Than You Think
Faced with these statistics, a common human response is optimism bias: the belief that negative events are more likely to happen to other people. We think, "I'm fit and healthy," or "I have a safe desk job."
This thinking is a dangerous gamble with your financial future. The reality is that illness and injury do not discriminate. A sudden diagnosis, a car accident, or a debilitating mental health episode can strike anyone at any time.
Many people compound this gamble by relying on two perceived safety nets that are, in reality, dangerously inadequate.
Myth 1: "The Government will look after me."
The state's support system is not designed to replace your income. It is a minimal safety net to prevent destitution, not to maintain your lifestyle.
- Statutory Sick Pay (SSP): This is the first line of defence. For 2025, it stands at £118.50 per week. It is paid by your employer for a maximum of 28 weeks. Ask yourself: could your family survive on less than £500 a month? Could you pay your mortgage, bills, and food costs? For almost everyone, the answer is a resounding no.
- Employment and Support Allowance (ESA) / Universal Credit: Once SSP ends, you may be able to claim these benefits. The process is often lengthy and stressful. The maximum amount you are likely to receive is still a fraction of the average UK salary, leaving a cavernous gap in your finances.
| Your Income Source | Approximate Weekly Amount (2025) | Is it Enough to Pay the Bills? |
|---|---|---|
| Average UK Full-Time Salary | £680 | Yes |
| Statutory Sick Pay (SSP) | £118.50 | No |
| Employment & Support Allowance (ESA) | ~£138 (assessment rate varies) | No |
Myth 2: "My employer will pay me."
Some employers offer generous sick pay schemes, but they are rarely indefinite. A typical company scheme might offer full pay for a few weeks or months, followed by a period of half-pay, before reducing to zero.
This means for a long-term condition, the vast majority of employees will be left relying solely on SSP after half a year.
The brutal truth is that you are your own safety net. Relying on the state or your employer to protect your financial world from a long-term health shock is a strategy destined for failure.
Your LCIIP Shield: Forging Your Financial Armour Against Health Shocks
If the state won't save you and your employer can't, how do you protect yourself? The answer lies in creating your own personal financial fortress—what we call an LCIIP Shield.
LCIIP stands for Life, Critical Illness, and Income Protection. These three types of insurance work together to provide a comprehensive defence against the financial consequences of death, serious illness, and being unable to work. They are the materials you use to build a wall around your income, your home, and your family's future.
Let's look at each component of the shield.
Component 1: Income Protection (IP) - Your Monthly Salary Lifeline
If you could only choose one policy, this would be it. Income Protection is the cornerstone of any financial shield.
What it is: An insurance policy that pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury that prevents you from doing your job.
How it works:
- Benefit Amount: You can typically insure up to 60-70% of your gross salary. This is paid tax-free, making it roughly equivalent to your usual take-home pay.
- Deferred Period: This is the waiting period before the payments start. You choose this when you take out the policy. It can be anything from 4 weeks to 12 months. You would typically align this with any sick pay you receive from your employer. The longer the deferred period, the cheaper the premium.
- Payment Term: You decide how long the policy will pay out for. This can be for a fixed period (e.g., 2 or 5 years) or, ideally, right up until you reach retirement age. The latter provides the most comprehensive protection.
Why it's the cornerstone: Income Protection covers the widest range of scenarios. From a bad back that stops a builder from working to a mental health crisis that forces an accountant to take time off, IP is designed to replace your salary and keep your household running, no matter what. It pays your mortgage, covers your bills, and allows you to focus on your recovery without the stress of financial collapse.
Component 2: Critical Illness Cover (CIC) - Your Lump Sum Defence
While Income Protection handles the monthly bills, Critical Illness Cover is designed to tackle the large, one-off financial shocks that a serious diagnosis can bring.
What it is: A policy that pays out a tax-free lump sum of money if you are diagnosed with one of a list of specified serious medical conditions.
How it works:
- Conditions Covered: Policies typically cover 40-50 core conditions, with more comprehensive plans covering over 100. The "big three" – cancer, heart attack, and stroke – account for the vast majority of claims.
- The Payout: The lump sum can be used for anything you want. There are no restrictions. This financial freedom at a time of immense stress is invaluable.
How it helps:
- Clear your mortgage: The most common use for a CIC payout. Removing this huge monthly expense provides enormous peace of mind.
- Pay for private treatment: Bypass NHS waiting lists for consultations or therapies.
- Fund lifestyle adaptations: Make necessary modifications to your home or vehicle.
- Replace a partner's income: Allow your spouse or partner to take time off work to care for you.
- Create a recovery fund: Give you a financial cushion so you can recover without worrying about returning to work immediately.
| Top 3 UK Critical Illness Claims | Approximate % of All Claims |
|---|---|
| Cancer | ~60% |
| Heart Attack | ~12% |
| Stroke | ~7% |
Component 3: Life Insurance - Your Legacy Protector
The final piece of the shield protects your loved ones if the very worst should happen.
What it is: A policy that pays out a lump sum to your chosen beneficiaries upon your death. When placed in trust, this payout is typically free from inheritance tax and bypasses the lengthy probate process.
How it works: There are two main types:
- Term Life Insurance: Provides cover for a fixed period (the 'term'), for example, until your mortgage is paid off or your children are financially independent. It's the most affordable and popular type.
- Whole of Life Insurance: Covers you for your entire life and is guaranteed to pay out eventually. It's often used for inheritance tax planning or to leave a guaranteed legacy.
Why it's essential: Life insurance ensures that your financial commitments do not become a burden for your family. The payout can clear the mortgage, pay off other debts, cover funeral costs, and provide an income for your family to live on, allowing them to grieve without immediate financial panic.
Building Your Bespoke Shield: A Practical Step-by-Step Guide
An off-the-shelf solution rarely fits. Your LCIIP Shield must be tailored to your unique circumstances, budget, and goals. Here’s how to approach it.
Step 1: Conduct a Financial Health Check-Up
You can't protect what you don't measure. Get a clear picture of your finances:
- Income: Your monthly take-home pay.
- Essential Outgoings: Mortgage/rent, council tax, utilities, food, transport.
- Debts: Mortgage balance, car loans, credit cards.
- Dependants: Do you have a partner or children who rely on your income?
- Existing Cover: Check your employment contract for sick pay and death-in-service benefits. Do you have any existing policies?
Step 2: Define Your "Why"
What are the absolute non-negotiables you need to protect?
- Is it keeping the family home?
- Is it ensuring your children can go to university?
- Is it protecting your hard-earned retirement savings?
- Is it simply maintaining your current standard of living?
Your 'why' will determine the level of cover you need.
Step 3: Choosing the Right Policy Features
This is where detail matters. For Income Protection, the definition of incapacity is crucial. An "own occupation" definition is the gold standard—it means the policy will pay out if you are unable to do your specific job. Less comprehensive "any occupation" definitions will only pay if you are unable to do any job, which is a much harder threshold to meet.
For Critical Illness, check the list of conditions and their definitions. For Life Insurance, decide if you want a level amount of cover or a decreasing amount that reduces in line with your mortgage.
Step 4: Seeking Expert Advice from a Specialist Broker
Trying to navigate this complex market alone is a false economy. The terminology is confusing, the policy documents are long, and a simple mistake on an application can invalidate your cover when you need it most.
This is where a specialist broker like WeCovr becomes an invaluable partner.
- Whole-of-Market Access: We compare plans from all the UK's leading insurers like Aviva, Legal & General, Zurich, and Royal London to find the right policy for your needs and budget.
- Expert Guidance: We translate the jargon and explain the crucial differences between policies, ensuring you get the cover that will actually pay out.
- Application Support: We help you complete the application forms correctly, ensuring full and proper disclosure to the insurer.
- Trusts and Taxation: We provide expert guidance on placing your policies in trust, which can help ensure the payout goes to the right people quickly and tax-efficiently.
Case Studies: The LCIIP Shield in Action
The true value of protection is best seen through real-world scenarios.
Case Study 1: Mark, the Self-Employed Plumber
Mark, 42, runs his own successful plumbing business, earning around £50,000 a year. He has a mortgage of £200,000 and two children. He has no employer sick pay to fall back on. After seeking advice, he set up an LCIIP shield.
- The Event: Mark suffers a serious slipped disc while on a job. He needs surgery and is told he cannot do physical work for at least 12 months. His income stops overnight.
- The Shield in Action:
- Income Protection: After his 13-week deferred period, his policy starts paying him £2,500 tax-free every month. This covers the mortgage and bills, keeping his family afloat.
- Because his recovery is protected by his IP policy, he avoids the financial pressure that could have pushed him into a less suitable role or forced him to sell his home.
Case Study 2: Sarah, the Marketing Manager
Sarah, 35, is a marketing manager earning £65,000. She and her partner have a £350,000 mortgage on their family home.
- The Event: Sarah is diagnosed with breast cancer. She needs to stop work immediately for six months of intensive chemotherapy and radiotherapy.
- The Shield in Action:
- Critical Illness Cover: Her policy pays out a £150,000 tax-free lump sum. They use this to pay off a large chunk of their mortgage, drastically reducing their monthly outgoings. It also allows her partner to reduce his hours at work to support her and look after their child.
- Employer Sick Pay: Her employer pays her for the first 3 months. Her Income Protection policy, with a 3-month deferred period, would have kicked in after this if she needed longer to recover, ensuring her personal income continued.
- Life Insurance: The diagnosis is a stark reminder of mortality, but she has peace of mind knowing her life cover would clear the remaining mortgage and provide for her family if the worst were to happen.
The WeCovr Advantage: Your Partner in Financial Resilience
In a world of growing uncertainty, choosing the right partner to help you build your financial defences is critical. At WeCovr, we see ourselves as more than just a broker; we are your architects of financial resilience.
Our philosophy is built on expert, impartial advice. We take the time to understand your unique situation, your family, your career, and your aspirations. We then use our specialist knowledge of the UK protection market to search for the most suitable and competitive solutions from dozens of insurers. We don't just find you a policy; we build you a personalised LCIIP shield designed to withstand the specific shocks you might face.
Furthermore, we believe in supporting our clients' overall wellbeing. That's why every WeCovr client receives complimentary access to CalorieHero, our exclusive AI-powered calorie and nutrition tracking app. It's a small way for us to show that we care about your health, not just your wealth, and it's part of our commitment to going above and beyond for the people we protect.
Don't Be a Statistic: Take Control of Your Financial Future Today
The data is clear. The threat of health erosion is real, growing, and has the power to dismantle a lifetime of hard work. The £5.5 million retirement gap is not a distant possibility for a few unlucky souls; it is a clear and present danger for millions of Britons who are currently unprotected.
Relying on hope, luck, or an inadequate state safety net is no longer a viable strategy. The good news is that the solution is within your grasp. A robust, affordable, and tailored LCIIP Shield—Income Protection, Critical Illness Cover, and Life Insurance—is the single most powerful tool you have to guarantee your financial security.
It transforms uncertainty into certainty. It replaces financial fear with peace of mind. It ensures that if your health fails, your financial world does not.
Don't wait for a diagnosis to become your financial plan. Take the first, most important step today. Protect your income, your home, your family, and your future.
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!