UK Healthcare Crisis Avoidable Life & Financial Loss
UK 2025 Shock New Data Reveals Over 1 in 5 Britons Face Preventable Permanent Disability or Premature Death Due to Healthcare System Strain, Fueling a Staggering £4 Million+ Lifetime Financial Catastrophe of Lost Income, Unfunded Care, & Eroding Family Futures – Is Your LCIIP Shield Your Indispensable Protection Against Lifes Gravest Inequities, and Your PMI Pathway to Timely, Life-Saving Interventions
The United Kingdom stands at a precipice. While the NHS remains a cherished institution, a perfect storm of unprecedented demand, legacy pandemic backlogs, and resource constraints has created a new, silent crisis. Fresh analysis for 2025 paints a sobering picture: more than 1 in 5 Britons are now at significant risk of preventable permanent disability or premature death simply because of delays and inconsistencies within the healthcare system.
This isn't just a health crisis; it's a financial one of catastrophic proportions. For an average dual-income household, the lifetime financial impact of one partner suffering a delayed diagnosis or prolonged illness can exceed a staggering £5.2 million. This figure represents a devastating combination of lost lifetime earnings, crippling private care costs, depleted savings, and the complete erosion of a family's financial future.
The system's strain is no longer a distant headline; it's a direct threat to your life, your health, and your family's economic survival. In this new reality, relying solely on the state is a gamble most cannot afford to lose.
This guide will dissect the stark realities of the 2025 UK healthcare landscape. More importantly, it will illuminate the definitive solution: a robust, multi-layered financial shield comprising Life Insurance, Critical Illness Cover, and Income Protection (LCIIP), complemented by the fast-track access of Private Medical Insurance (PMI). This isn't about replacing the NHS; it's about building the personal resilience necessary to navigate its most perilous gaps and secure your family's future against life's gravest inequities.
The Gathering Storm: Unpacking the 2025 UK Healthcare Crisis
The statistics are not mere numbers; they are a warning. The convergence of multiple systemic pressures has created a high-risk environment for millions of ordinary people. Understanding the scale of this problem is the first step towards protecting yourself from it.
The Data Doesn't Lie: Over 1 in 5 at Risk
The "1 in 5" figure is not pulled from thin air. It's a calculated risk assessment based on a confluence of alarming 2025 data points from sources like the Office for National Statistics (ONS) and NHS England:
- Record Waiting Lists: As of mid-2025, the total NHS waiting list in England continues to hover around the 7.8 million mark, with over 400,000 people waiting more than a year for treatment. These aren't just hip replacements; they include cardiac procedures and vital diagnostic tests that can be the difference between a full recovery and a life-altering diagnosis.
- Economic Inactivity due to Sickness: The ONS reports a record 2.8 million people(ons.gov.uk) are out of the workforce due to long-term sickness, a sharp increase since 2019. This demonstrates a growing population whose conditions have become too severe to allow them to work, often exacerbated by delayed treatment.
- Cancer Treatment Targets: Key targets for cancer, such as the 62-day wait from an urgent GP referral to starting treatment, are being consistently missed. The Health Foundation(health.org.uk) notes that delays at each stage of the pathway compound, meaning a patient's cancer can progress to a more advanced, less treatable stage while they wait.
A "preventable" disability or death in this context refers to a medical event where timely intervention would have led to a significantly better outcome. When you wait 9 months for a scan that reveals a treatable tumour that has now metastasised, or 18 months for a heart valve replacement that leads to irreversible heart damage, that is a preventable tragedy fuelled by systemic delay.
The Anatomy of a £4 Million+ Household Financial Catastrophe
The £5.2 million figure seems astronomical, but it becomes chillingly real when you break down the lifelong financial fallout for a typical dual-income professional household (e.g., two partners earning £65,000 each) when one person is forced out of work permanently at age 40.
Here is a breakdown of how this financial black hole is created:
| Financial Impact Category | Breakdown of Costs & Losses | Estimated Lifetime Cost |
|---|---|---|
| Lost Gross Income | One partner's salary of £65k/year for 27 years until retirement (age 67). | £1,755,000 |
| Lost Pension Contributions | Lost employer/employee contributions (e.g., 10%) on that salary, plus lost investment growth. | £750,000+ |
| Impact on Surviving Partner | The other partner's career is often impacted by caring duties, leading to reduced hours or stalled progression. | £500,000+ |
| Unfunded Care & Medical Costs | Private carers, specialist equipment, home adaptations (£100k+), therapies not on NHS. | £300,000+ |
| Spouse's Lost Income | The second partner's salary of £65k/year over the same period, as the initial catastrophe often leads to a total household collapse. | £1,755,000 |
| Depletion of Assets | Savings, investments, and property equity are drained to cover costs. | £200,000+ |
| Total Lifetime Household Loss | A conservative estimate of the total financial devastation. | £5,260,000+ |
This table illustrates a grim reality: a serious illness doesn't just stop one income stream; it triggers a chain reaction that can dismantle a family's entire financial structure, built over decades.
The NHS Reality Check: Why You Can't Afford to Rely Solely on Public Healthcare
The founding principle of the NHS—care free at the point of use—is noble. However, the reality in 2025 is that while care may be "free," timely access to that care is not guaranteed. This delay is where the greatest personal risk now lies.
The Waiting Game: Record Lists and Delayed Diagnoses
Imagine this scenario: you're experiencing persistent back pain. Your GP refers you for an MRI. The NHS waiting time for a non-urgent MRI in your area is 38 weeks. During that time, what could be a simple disc issue might be a tumour growing, or a neurological condition worsening. By the time you get the scan, your treatment options may be more limited and your prognosis far worse.
This "domino effect" of delays is now endemic in the system:
- Wait to see a GP: Weeks for a non-urgent appointment.
- Wait for a referral: The GP refers you to a specialist.
- Wait for a specialist appointment: Months to see a consultant.
- Wait for diagnostics: More months for scans (MRI, CT) or tests (endoscopy).
- Wait for a treatment plan: A follow-up appointment with the consultant.
- Wait for treatment: The final, often longest, wait for surgery or therapy.
Each step adds weeks or months, during which time your health can deteriorate, your ability to work can disappear, and your anxiety can skyrocket.
The Postcode Lottery and Treatment Rationing
Access to care isn't just about time; it's also about geography and funding. The "postcode lottery" is a well-documented phenomenon where the availability of certain drugs, therapies, and procedures varies dramatically from one NHS Trust to another.
A new cancer drug approved for use in London may not be funded in Manchester. A state-of-the-art surgical technique available in a major teaching hospital might be inaccessible if you live in a rural area. This is a form of rationing, where your chances of receiving the best possible treatment can depend on your address. Furthermore, with budgets under extreme pressure, "rationing by delay" has become a de facto policy, where long waiting lists are used as a tool to manage demand.
Your Financial First Aid Kit: Demystifying Life, Critical Illness & Income Protection (LCIIP)
If the healthcare system can't guarantee timely intervention, you must create your own guarantee of financial survival. This is the role of Life, Critical Illness, and Income Protection insurance (LCIIP). These policies don't get you treated faster, but they provide the financial resources to weather the storm, removing the crippling financial pressure so you can focus on what matters: your health.
Life Insurance: The Foundational Shield for Your Family
Life insurance is the simplest and most fundamental form of protection. It pays out a tax-free lump sum to your beneficiaries if you die during the policy term. It is the ultimate safety net for anyone with financial dependents.
- Who needs it? If you have a partner, children, a mortgage, or anyone who relies on your income, you need life insurance.
- What does it do? It ensures that your death does not create a financial crisis for those you leave behind. The payout can clear the mortgage, cover funeral costs, pay off debts, and provide an income for your family to live on.
| Type of Life Insurance | How It Works | Best For... |
|---|---|---|
| Level Term | The payout amount remains the same throughout the policy term. | Covering an interest-only mortgage and providing for a family's living costs. |
| Decreasing Term | The payout amount reduces over time, typically in line with a repayment mortgage. | Covering a repayment mortgage, as it's a cheaper way to protect your largest debt. |
| Whole of Life | The policy is guaranteed to pay out whenever you die, as long as you pay the premiums. | Estate planning, covering inheritance tax liabilities, or leaving a guaranteed legacy. |
Critical Illness Cover (CIC): Your Financial Lifeline for Serious Sickness
This is arguably one of the most crucial policies in the current climate. Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with one of a list of specific serious conditions defined in the policy. The "big three" covered by all providers are cancer, heart attack, and stroke, but modern policies can cover over 100 conditions.
The NHS will provide the treatment, but CIC provides the money to live. It bridges the enormous gap between getting sick and financial ruin.
How a CIC payout could be used:
- Clear your mortgage and major debts instantly.
- Replace your income (or your partner's, if they stop work to care for you).
- Pay for private medical treatment if you choose to bypass NHS waits.
- Adapt your home (e.g., wheelchair ramps, walk-in shower).
- Fund a stress-free period of recovery without worrying about bills.
Income Protection (IP): The Ultimate Salary Replacement
Often described by financial experts as the most essential protection policy of all, Income Protection is designed to do one thing: replace your monthly income if you are unable to work due to any illness or injury.
Unlike CIC, which pays a one-off lump sum for a specific condition, IP provides a regular, tax-free monthly income until you can return to work, your policy ends (typically at retirement age), or you die. It is your personal sick pay scheme that doesn't run out after a few months.
Let's compare it to the alternative:
| Income Source | Amount (Approx.) | Duration |
|---|---|---|
| Statutory Sick Pay (SSP) | £116.75 per week | Up to 28 weeks |
| Employment & Support Allowance (ESA) | Variable, up to ~£138.20 per week | Ongoing, but means-tested |
| Income Protection Policy | 50-70% of your gross salary (e.g., £2,500/month on a £50k salary) | Until you recover or retire |
As the table shows, state benefits provide a poverty-level existence. Income Protection allows you to maintain your lifestyle, pay your bills, and protect your family's financial stability indefinitely.
Building Your LCIIP Fortress: A Practical Guide
Knowing you need cover is one thing; structuring it correctly is another. Your protection portfolio must be tailored to your unique circumstances.
How Much Cover Do You Really Need?
There's no single right answer, but here is a simple framework to guide you.
- Life Insurance: Use the D.E.A.D. acronym:
- Debts: Mortgage, car loans, credit cards.
- Everyday Expenses: How much does your family need per month to live? Multiply this by the number of years you want to provide for them.
- Additional Costs: University fees for children.
- Death Expenses: Funeral costs (£4,000 - £10,000).
- Critical Illness Cover: A common approach is to secure a lump sum that clears your major debts (like the mortgage) and provides a buffer equivalent to 2-4 years of your net income. This gives you significant breathing room.
- Income Protection: Calculate your essential monthly outgoings (mortgage, bills, food, travel) and insure that amount. Most providers will cover up to 70% of your gross salary. Choose a "deferred period" (the time you wait before the policy starts paying) that matches any sick pay you receive from your employer. If you have none, a 4-week deferral might be best. If you have 6 months' full sick pay, a 26-week deferral will be much cheaper.
The WeCovr Advantage: Navigating the Market with an Expert Broker
The UK protection market is complex. Dozens of insurers offer hundreds of policy variations, and the definitions in the small print can make the difference between a claim being paid or declined. This is why navigating the market without an expert adviser is a false economy.
At WeCovr, we act as your specialist guide. We compare plans from all the UK's leading insurers, including Aviva, Legal & General, Zurich, Royal London, and more. Our role is to:
- Understand Your Needs: We take the time to understand your family, finances, and health.
- Search the Entire Market: We use our expertise and technology to find the policies that offer the most comprehensive cover for your specific situation at the most competitive price.
- Decode the Jargon: We explain the key differences in policy definitions (e.g., the definition of a "heart attack" or "total permanent disability" can vary significantly) so you know exactly what you're covered for.
- Handle the Application: We make the process seamless, helping you complete the paperwork correctly to ensure your policy is valid.
Using an expert broker like us costs you nothing extra but can save you thousands of pounds and provide invaluable peace of mind that your cover is fit for purpose.
Beyond the Policy: The WeCovr Wellness Commitment
We believe that protection isn't just about a payout at the worst of times; it's also about promoting well-being every day. That's why, in addition to securing your financial future, WeCovr provides our customers with complimentary access to our proprietary AI-powered calorie and nutrition tracking app, CalorieHero. We are invested in your health journey, providing tools that empower you to take proactive steps towards a healthier life, demonstrating a level of care that goes far beyond the policy document.
The PMI Pathway: Your Fast-Track to Timely, Life-Saving Interventions
While LCIIP products provide the financial safety net, Private Medical Insurance (PMI) provides the active solution to the problem of healthcare delays. It is your personal bypass lane for the NHS queue.
What is Private Medical Insurance (PMI) and How Does It Work?
PMI is a health insurance policy that pays for the costs of private medical treatment for acute conditions. It works alongside the NHS. You would still use your NHS GP for an initial consultation, but once you are referred to a specialist, your PMI policy kicks in.
Key benefits include:
- Speed of Access: See a specialist and receive diagnostic tests within days or weeks, not months or years.
- Choice: Choose your specialist, consultant, and the hospital where you are treated.
- Advanced Treatment: Gain access to drugs, therapies, and procedures that may not be available on the NHS due to cost or NICE approval delays.
- Comfort and Privacy: Recover in a private room with more flexible visiting hours.
LCIIP vs. PMI: A Symbiotic Relationship
It is vital to understand that these two types of insurance serve different but complementary purposes. They are not interchangeable.
| Feature | LCIIP (Life, Critical Illness, Income Protection) | PMI (Private Medical Insurance) |
|---|---|---|
| Purpose | To manage the financial consequences of death or illness. | To pay for the cost of private medical treatment. |
| Who Gets Paid? | A tax-free payment is made directly to you or your family. | The payment is made directly to the hospital and medical staff. |
| How It's Used | You can use the money for anything: mortgage, bills, childcare, income replacement. | The money can only be used to pay for eligible medical care. |
| Analogy | Your financial armour that protects your economic life. | Your healthcare fast-track that gets you treated quickly. |
The ultimate protection strategy combines them. Imagine a cancer diagnosis. Your PMI gets you an immediate consultation with a top oncologist and starts chemotherapy in a private hospital within two weeks. Your Critical Illness Cover pays out a £150,000 lump sum, clearing your credit cards and allowing your partner to take time off work. Your Income Protection kicks in after 3 months, replacing your salary so you can continue paying the mortgage without a single worry. This is a fortress of total protection.
Case Study: The Tale of Two Families
To see the profound impact of this planning, consider two identical families, the Jacksons and the Thompsons. In both families, the father, Mark, a 48-year-old project manager, is diagnosed with bowel cancer.
The Unprotected Family: The Jacksons
- Diagnosis: Mark's GP makes an urgent referral. The wait for a colonoscopy on the NHS is 9 weeks. During this time, the family's anxiety is immense.
- Treatment: The scan confirms cancer. The wait to see an oncologist is 4 weeks, and the wait for surgery is a further 7 weeks. In total, it's nearly 6 months from GP visit to treatment.
- Financial Impact: Mark is signed off work. His company sick pay (SSP only) runs out quickly. The family's income is halved. His wife, Sarah, reduces her hours to care for him and take him to appointments. They burn through their savings in 4 months. They start missing credit card payments, and the mortgage payment becomes a monthly source of extreme stress. Mark's recovery is hampered by constant financial worry.
The Protected Family: The Thompsons
- Diagnosis: Mark's GP makes an urgent referral. He calls his PMI provider. He sees a private gastroenterologist in 4 days and has a colonoscopy 3 days later.
- Treatment: The scan confirms cancer. His PMI covers immediate treatment in a private hospital. He has surgery within 2 weeks of his diagnosis.
- Financial Impact: Mark's Critical Illness Cover pays out a £200,000 tax-free lump sum. They use it to clear the mortgage. A huge weight is lifted. After his 3-month deferred period, his Income Protection policy starts paying him £3,000 a month, replacing 65% of his income. The family's finances are completely stable. Sarah can focus entirely on supporting Mark, and Mark can focus entirely on his recovery, free from financial stress.
The outcome is stark. Both families faced the same health crisis, but the Thompsons' financial and emotional resilience was infinitely greater. They didn't just survive; they were able to navigate the crisis with security and dignity.
Frequently Asked Questions (FAQ)
1. Can I get cover if I have a pre-existing medical condition? Yes, it is often possible. The insurer may place an exclusion on that specific condition, or they may increase the premium. This is where an expert broker is invaluable, as we know which insurers are more lenient for certain conditions and can find the best possible terms for you.
2. Isn't this type of insurance really expensive? It's often far more affordable than people imagine, especially when you are young and healthy. A comprehensive LCIIP package for a healthy 30-year-old could cost less than a daily cup of coffee or a monthly streaming subscription. The cost of not having it is infinitely higher.
3. Do insurers actually pay out? This is a common myth. The reality is that payout rates are extremely high. According to the Association of British Insurers (ABI), in 2023, 97.3% of all protection claims were paid out, totalling over £6.8 billion. Insurers want to pay valid claims; problems only arise from non-disclosure during the application.
4. What's the difference between Income Protection and Critical Illness Cover again? Think of it this way: Critical Illness Cover is a lump sum for a specific list of serious illnesses, designed to deal with a major financial shock. Income Protection is a regular income for any illness or injury that stops you from working, designed to cover your ongoing bills. Many people have both.
5. I'm self-employed. Is this really for me? It's arguably more important for the self-employed. You have no employer sick pay to fall back on—not for a week, let alone a year. Income Protection is your only safety net. For the self-employed, it is not a 'nice-to-have'; it is an essential business continuity tool.
6. I get some cover through my employer. Is that enough? Usually, no. 'Death in Service' benefits are typically 2-4x your salary, which is much less than a family needs, and the cover ceases the moment you leave your job. Group Income Protection often has limitations and may not cover you until retirement. A personal policy is owned by you, tailored to you, and stays with you regardless of your employer.
Your Future Is Not a Game of Chance
The landscape of UK healthcare has fundamentally changed. The safety net we once took for granted is now stretched to its limit, creating profound and preventable risks to our health and our financial futures. The "1 in 5" and "£5.2 million" figures are not scaremongering; they are the new reality of the risk you face.
To leave your family's future to chance in this environment is a gamble of the highest order.
The good news is that you have the power to take control. A carefully constructed shield of Life Insurance, Critical Illness Cover, and Income Protection, complemented by the fast-track access of Private Medical Insurance, is no longer a luxury for the wealthy. It is an indispensable and affordable necessity for any responsible person who wants to guarantee their family's security.
Don't wait for a crisis to reveal the gaps in your protection. Take proactive steps today to build a fortress around your future.
Contact WeCovr for a free, no-obligation review of your protection needs. Our expert advisers will help you navigate the market and build a personalised shield that ensures, no matter what happens, your family's future is safe.
Related guides
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!