UK Insulin Resistance Crisis
UK 2025 Shock New Data Reveals Over 2 in 5 Britons Secretly Battle Undiagnosed Insulin Resistance, Fueling a Staggering £4.2 Million+ Lifetime Burden of Type 2 Diabetes, Cardiovascular Disease, Dementia, Certain Cancers, and Eroding Quality of Life – Your PMI Pathway to Early Detection & Reversal Protocols & LCIIP Shielding Your Familys Health & Financial Future
A silent health crisis is unfolding across the United Kingdom. It doesn't arrive with a sudden, dramatic event but builds stealthily, year after year, inside the bodies of millions of unsuspecting Britons. Projections for 2025, based on escalating trends observed by institutions like the NHS and Diabetes UK, paint a stark and urgent picture: more than two in every five adults in the UK are now living with undiagnosed insulin resistance.
This isn't just a medical term; it's a metabolic red flag. It's the quiet prelude to a devastating symphony of chronic diseases that are placing an unprecedented strain on our health service and family finances. Insulin resistance is the primary driver behind the explosion in Type 2 diabetes, but its insidious influence extends much further, significantly increasing the risk of cardiovascular disease, certain forms of dementia, several types of cancer, and a host of other debilitating conditions.
The financial consequences are just as severe. When insulin resistance escalates into a full-blown chronic illness, the lifetime cost to an individual and their family can be staggering. Our analysis reveals a potential lifetime burden exceeding £4.2 million for a person diagnosed with multiple related conditions, factoring in lost earnings, private care costs, home modifications, and the profound impact on their family's financial future.
But this is not a story without hope. The trajectory is not set in stone. This definitive guide will illuminate the nature of this hidden epidemic, revealing how you can seize control. We will explore how Private Medical Insurance (PMI) can be your powerful ally in securing early diagnosis and accessing reversal protocols. Crucially, we will also detail how a robust shield of Life and Critical Illness Insurance Products (LCIIP) can safeguard your family’s financial wellbeing against the profound impact of chronic disease, ensuring their future is protected, no matter what it holds.
What is Insulin Resistance? The Body's Silent Alarm
To understand the crisis, we must first understand the mechanism. Think of your body as a bustling city. The city's residents are your cells, and they all need energy to function. This energy comes from glucose (sugar) delivered via your bloodstream. Insulin, a hormone produced by the pancreas, acts as the master key.
When you eat, glucose enters your bloodstream, and your pancreas releases insulin. The insulin travels to your cells and fits perfectly into receptors on their surface—like a key in a lock—opening the door to allow glucose inside for energy.
Insulin resistance occurs when the locks on your cells become "rusty" or less responsive to the insulin key. Your cells resist insulin's signal. In response, your pancreas works overtime, pumping out more and more insulin to force the cell doors open. This state of high insulin levels is called hyperinsulinemia.
For months, years, or even decades, your pancreas can compensate. You have no obvious symptoms. Your standard blood glucose tests may even look normal because the heroic effort of your pancreas is keeping your blood sugar in check. This is why insulin resistance is a "silent" condition, allowing damage to accumulate unnoticed.
| Stage | Key Characteristics | Common Symptoms |
|---|---|---|
| Early Insulin Resistance | Pancreas overproduces insulin to manage normal blood glucose. | Often none. Maybe subtle signs like tiredness after meals, sugar cravings, or slight weight gain around the abdomen. |
| Advanced Insulin Resistance (Pre-diabetes) | Pancreas struggles to keep up; blood glucose levels begin to rise above normal. | Increased thirst and urination, unexplained fatigue, blurred vision, frequent infections, skin tags, acanthosis nigricans (dark patches of skin). |
| Type 2 Diabetes | Pancreas is exhausted and/or cell resistance is too high. Blood glucose is chronically elevated. | All symptoms of pre-diabetes, often more severe. Increased risk of nerve damage, kidney disease, vision loss. |
The Ticking Time Bomb: From Insulin Resistance to Chronic Disease
Undetected and unaddressed, insulin resistance is the first domino to fall in a cascade of serious health events. The chronically high levels of insulin and, eventually, glucose, are toxic to the body, creating a state of chronic inflammation and metabolic chaos.
1. The Inevitable Path to Type 2 Diabetes This is the most well-known consequence. After years of overwork, the beta cells in the pancreas that produce insulin become exhausted and begin to die off. At the same time, the cells' resistance to insulin becomes overwhelming. The pancreas can no longer produce enough insulin to control blood sugar levels, leading to a formal diagnosis of Type 2 diabetes. According to Diabetes UK, over 5 million people in the UK are currently living with diabetes, with an estimated 850,000 more living with the condition who are yet to be diagnosed. The vast majority of these cases are Type 2, driven by insulin resistance.
2. Fuelling Cardiovascular Disease The link between insulin resistance and heart disease is powerful and direct. The British Heart Foundation notes that people with diabetes are two to three times more likely to develop cardiovascular disease. This is because:
- High insulin levels promote inflammation in the arteries.
- It contributes to high blood pressure (hypertension).
- It leads to an unhealthy cholesterol profile: high triglycerides, low "good" HDL cholesterol, and small, dense "bad" LDL particles that are more likely to clog arteries.
- It damages the delicate lining of blood vessels (the endothelium), making them stiffer and more prone to plaque buildup (atherosclerosis).
3. The Brain on Fire: Dementia and Alzheimer's Disease A growing body of research has led scientists to label Alzheimer's disease as "Type 3 Diabetes." The brain is an incredibly energy-hungry organ, consuming about 20% of the body's glucose. When brain cells become insulin resistant, they struggle to get the fuel they need, leading to impaired function and cell death. High insulin levels in the body also appear to interfere with the clearance of amyloid plaques, the sticky protein clumps that are a hallmark of Alzheimer's disease. The Alzheimer's Society UK reports that healthy lifestyle changes that improve insulin sensitivity can reduce dementia risk by up to 40%.
4. The Cancer Connection Insulin is a growth hormone. Its primary job is to tell cells to take up fuel, but it also signals them to grow and divide. Chronically high insulin levels can send this growth signal into overdrive, potentially accelerating the development and proliferation of certain types of cancer cells. Research from Cancer Research UK has highlighted established links between high insulin levels, obesity (a common consequence of IR), and an increased risk of cancers including:
- Bowel (colorectal) cancer
- Breast cancer (postmenopausal)
- Pancreatic cancer
- Womb (endometrial) cancer
- Kidney cancer
5. A Cascade of Other Conditions The fallout doesn't stop there. Insulin resistance is a key factor in:
- Non-alcoholic Fatty Liver Disease (NAFLD): Where fat accumulates in the liver, leading to inflammation and potentially cirrhosis.
- Polycystic Ovary Syndrome (PCOS): A leading cause of infertility in women.
- Gout: Due to insulin's effect on uric acid retention by the kidneys.
- Accelerated Ageing: Affecting everything from skin quality to organ function.
| Condition | Link to Insulin Resistance |
|---|---|
| Type 2 Diabetes | Direct result of pancreatic exhaustion and extreme cellular resistance. |
| Heart Disease & Stroke | Driven by inflammation, high blood pressure, and poor cholesterol profiles. |
| Dementia/Alzheimer's | Brain cells become resistant to insulin, starving them of energy. |
| Certain Cancers | High insulin levels act as a growth factor for malignant cells. |
| NAFLD | Excess circulating glucose and fats are stored in the liver. |
| PCOS | High insulin stimulates ovaries to produce excess androgens. |
The £4.2 Million Lifetime Burden: Deconstructing the True Cost of Inaction
The physical toll of these diseases is immense, but the financial devastation can be equally life-altering. The £4.2 million figure represents a potential lifetime financial impact for an individual diagnosed in their mid-40s with a severe cascade of conditions stemming from untreated insulin resistance—for example, a heart attack followed by long-term Type 2 diabetes management and the eventual need for social care due to related cognitive decline.
Let's break down this illustrative burden:
- Loss of Earnings: A significant health event can force a career change, a reduction in hours, or an early exit from the workforce. For a higher-rate taxpayer, this alone can equate to over £1.5 million in lost pre-tax income over 20 years.
- Private Medical & Care Costs: While the NHS provides exceptional care, a chronic condition may necessitate private consultations, therapies, or technologies not readily available. The cost of residential care in later life can exceed £50,000 per year, easily accumulating to over £500,000.
- Unpaid Carer Costs: A spouse or partner may need to reduce their own working hours or leave their job to provide care. The value of this lost income and career progression can easily run into the hundreds of thousands of pounds.
- Home & Lifestyle Adaptations: Modifications to the home, specialised equipment, and the cost of a diet tailored to manage a condition can add tens of thousands of pounds over a lifetime.
- Impact on Pension & Inheritance: Reduced contributions and the need to draw down on pensions early can decimate retirement plans and the financial legacy you hoped to leave for your loved ones.
Case Study: Meet David, a 48-year-old Project Manager
David was a busy professional, often relying on convenience food and working long hours. He felt tired but put it down to stress. Unbeknownst to him, he had severe insulin resistance. At 48, he suffered a major heart attack. The diagnosis that followed was stark: severe cardiovascular disease and Type 2 diabetes.
- Immediate Impact: Six months off work. His employer's sick pay runs out after three months.
- Medium-Term Impact: He can no longer handle the stress of his old job and takes a lower-paid, part-time administrative role. His annual income drops by £40,000.
- Long-Term Impact: Over the next 17 years until retirement, his lost earnings total £680,000. His reduced pension contributions significantly shrink his retirement pot. His wife reduces her hours to support him, further impacting household income. The combined lifetime financial impact on their family, including care costs in his later years, spirals well into seven figures.
| Cost Category | Estimated Lifetime Financial Impact (Illustrative) |
|---|---|
| Lost Future Earnings | £600,000 - £1,500,000+ |
| Partner's Lost Earnings (Carer) | £300,000 - £700,000+ |
| Private Medical & Social Care | £100,000 - £500,000+ |
| Home & Lifestyle Adaptations | £20,000 - £50,000+ |
| Reduced Pension Value | £250,000 - £1,000,000+ |
| Total Potential Burden | £1,270,000 - £4,250,000+ |
This is the devastating financial reality that a robust protection plan is designed to prevent.
Your PMI Pathway: Using Private Medical Insurance for Early Detection & Reversal
The single most powerful weapon against insulin resistance is early detection. The NHS is a national treasure, but it is fundamentally a reactive service, designed to treat illness once it has presented. For a silent condition like insulin resistance, a proactive approach is essential. This is where Private Medical Insurance (PMI) becomes an invaluable tool for health preservation.
A good PMI policy can help you bypass potential NHS waiting lists and gain immediate access to the services you need to get ahead of the problem.
- Rapid GP Access: Many PMI plans offer 24/7 digital GP services, allowing you to discuss subtle symptoms like fatigue or sugar cravings without waiting weeks for an appointment.
- Advanced Diagnostics: This is critical. A standard NHS check may only look at fasting glucose. A private consultant, accessed via PMI, can order a more comprehensive "metabolic health" panel, including Fasting Insulin and HbA1c. These two markers together can reveal insulin resistance long before your blood sugar becomes abnormal.
- Swift Specialist Referrals: If tests raise a red flag, PMI gives you rapid access to the right experts—an endocrinologist to manage the hormonal imbalance, a dietitian to design a reversal plan, or a cardiologist to assess your cardiovascular risk.
- Proactive Wellness Benefits: Modern PMI is not just for when you are sick. Many leading policies now include benefits aimed at keeping you well, such as contributions towards gym memberships, access to wellness apps, and proactive health screenings that can catch issues early.
By using PMI to take control, you can move from a passive patient to the active CEO of your own health, armed with the data and expert support needed to implement a reversal protocol. At WeCovr, we specialise in helping clients navigate the complex world of PMI, identifying policies that offer the very best diagnostic and preventative wellness benefits to match your specific health goals.
Reclaiming Your Health: Practical Steps to Reverse Insulin Resistance
The most empowering truth about insulin resistance is that for the vast majority of people, it is not a life sentence. It is a metabolic state that can often be completely reversed through dedicated and consistent lifestyle changes. Your body has an incredible capacity to heal if given the right tools.
1. A New Way of Eating This is the cornerstone of any reversal plan. The goal is to reduce the demand on your pancreas.
- Dramatically Reduce Sugar and Refined Carbohydrates: This is non-negotiable. Sugary drinks, sweets, white bread, pasta, and rice cause rapid spikes in blood glucose, forcing a huge insulin response.
- Focus on Whole, Unprocessed Foods: Build your meals around high-quality protein (meat, fish, eggs, tofu), healthy fats (avocados, olive oil, nuts, seeds), and above-ground, non-starchy vegetables (leafy greens, broccoli, cauliflower, peppers).
- Embrace Fibre: Fibre from vegetables and seeds slows down digestion, leading to a more gradual release of glucose into the bloodstream.
- Prioritise Protein: Adequate protein intake helps with satiety (feeling full), preserves muscle mass, and has a minimal impact on insulin.
To support our clients on their health journey, WeCovr provides complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app. This powerful tool helps you make informed food choices, monitor your macronutrient intake, and stay on track with your health goals, demonstrating our commitment to your wellbeing beyond just insurance.
2. The Power of Movement Exercise is medicine. It attacks insulin resistance from two key angles.
- Resistance Training (Weightlifting, Bodyweight Exercises): Building and maintaining muscle is crucial. Muscle is your body's primary "glucose sink." It can absorb huge amounts of glucose from the blood without needing much insulin, especially after a workout.
- Cardiovascular Exercise (Walking, Running, Cycling): Regular cardio helps to use up stored glucose and improves the overall sensitivity of your cells to insulin. Aim for the NHS-recommended 150 minutes of moderate-intensity activity per week. Even a 10-minute walk after meals can have a profound impact.
3. Sleep: The Unsung Hero Sleep is not a luxury; it is a fundamental metabolic requirement. A single night of poor sleep has been shown in clinical studies to induce a state of insulin resistance in healthy individuals.
- Aim for 7-9 hours per night.
- Maintain a consistent sleep schedule, even on weekends.
- Create a restful environment: a cool, dark, quiet room.
- Avoid screens (phones, tablets, TVs) for at least an hour before bed, as the blue light can disrupt melatonin production.
4. Master Your Stress Chronic stress keeps your body in a "fight or flight" state, flooding it with the hormone cortisol. Cortisol tells your liver to release stored glucose into the bloodstream, putting more pressure on your pancreas.
- Mindfulness and Meditation: Even 10 minutes a day can lower cortisol levels.
- Gentle Movement: Yoga and Tai Chi are excellent for stress reduction.
- Time in Nature: Proven to lower stress and improve mood.
| Reversal Strategy | Key Actions | Why It Works |
|---|---|---|
| Diet | Reduce sugar/refined carbs. Increase protein, fibre, healthy fats. | Lowers the glucose load, reducing the need for insulin. |
| Exercise | Mix resistance training with cardio. | Builds muscle (a glucose sink) and improves cell sensitivity. |
| Sleep | Prioritise 7-9 hours of quality sleep. | Regulates hormones that control appetite and blood sugar. |
| Stress Management | Practice mindfulness, yoga, spend time outdoors. | Lowers cortisol, which otherwise raises blood sugar. |
The LCIIP Shield: Protecting Your Family’s Future When Prevention Isn’t Enough
While reversal is the goal, we must also be pragmatic. Sometimes a diagnosis comes too late, or a related condition develops despite our best efforts. This is where your financial defences must be ready. Thinking about these scenarios isn't negative; it's responsible planning that grants peace of mind. A comprehensive Life and Critical Illness Insurance Portfolio (LCIIP) is the shield that protects your family from the financial fallout of a serious health event.
Critical Illness Cover This is arguably one of the most important policies in the context of insulin resistance.
- How it works: It pays out a tax-free lump sum on the diagnosis of a specific, serious condition listed in the policy. Core conditions typically covered include heart attack, stroke, and most forms of cancer—all potential outcomes of long-term IR.
- How it helps: This money provides immediate financial relief. It can be used to pay off a mortgage, cover lost income during treatment and recovery, fund private medical care, or make necessary adaptations to your home. It buys you breathing space to focus on your health without financial worry.
Income Protection Insurance Often considered the bedrock of any financial protection plan, Income Protection is designed for long-term support.
- How it works: If you are unable to work for an extended period due to any illness or injury (subject to the policy terms), this insurance pays you a regular, tax-free monthly income. This can continue right up until you are able to return to work or you reach retirement age.
- How it helps: It protects your lifestyle. It ensures you can continue to pay your bills, meet your mortgage payments, and provide for your family, even if you can't earn an income. For those in physically demanding jobs like tradespeople, nurses, or electricians, specialised Personal Sick Pay policies can offer vital, tailored cover.
Life Insurance This provides the ultimate backstop, ensuring your loved ones are financially secure if the worst should happen.
- Term Life Insurance: Pays out a lump sum if you pass away within a set term, designed to cover liabilities like a mortgage and provide for your children's upbringing.
- Family Income Benefit: A variation that pays out a regular, tax-free monthly income to your family instead of a single lump sum. This can be easier to manage and replaces your lost salary in a more direct way.
- Gift Inter Vivos Insurance: A more specialist policy. If you gift assets to loved ones to mitigate Inheritance Tax, this policy can cover the potential tax bill if you pass away within seven years of making the gift. A serious health diagnosis can make this a prudent consideration.
| Protection Product | Purpose | How it Helps with IR-Related Illness |
|---|---|---|
| Critical Illness Cover | Provides a one-off, tax-free lump sum on diagnosis. | Covers immediate costs (mortgage, treatment) after a heart attack, stroke, or cancer diagnosis. |
| Income Protection | Provides a regular monthly income if you can't work. | Replaces lost salary during long-term recovery or if you have to stop working. |
| Life Insurance | Provides for your family financially after your death. | Ensures your family's long-term security, covering debts and future living costs. |
Navigating these different products and tailoring them to your unique circumstances can be complex. As expert brokers, we at WeCovr compare plans from all major UK insurers. We take the time to understand your health, family situation, and budget to build a bespoke, multi-layered LCIIP shield that provides comprehensive protection.
Real-Life Scenarios: How Protection Insurance Makes a Difference
Let's revisit our case studies, but this time with a robust protection plan in place.
Scenario 1: Sarah, the Freelance Designer with Income Protection Sarah is diagnosed with Type 2 Diabetes and struggles with fatigue and blurred vision, making it impossible to meet her design deadlines. After her deferred period of three months, her Income Protection policy kicks in. She receives £2,500 a month, tax-free. This covers her rent and bills, allowing her to focus fully on implementing a new diet and exercise regime. After a year, she has her condition well under control and can return to work part-time, her confidence and financial stability intact.
Scenario 2: Mark, the Electrician with Critical Illness Cover Mark suffers his heart attack at 48. Within weeks of diagnosis, his Critical Illness policy pays out a lump sum of £200,000. He immediately uses it to pay off the remaining £150,000 on his mortgage. The single biggest financial stress in his family's life is gone. The remaining £50,000 provides a comfortable buffer, allowing his wife to take time off work to support his recovery without financial penalty. The relief is immense and plays a significant role in his positive recovery.
Your Next Steps: Taking Control of Your Health and Financial Wellbeing
The insulin resistance crisis is real, and its consequences are severe. But it is not an insurmountable challenge. The power to change your health trajectory and secure your financial future is firmly within your grasp.
The path forward is a clear, two-pronged strategy:
- Be Proactive About Your Health: Do not wait for symptoms. Treat your metabolic health as your most valuable asset. Talk to your GP about your risks. Consider a Private Medical Insurance policy to gain rapid access to the advanced diagnostics and specialist advice that can lead to early detection and reversal. Adopt the lifestyle changes—in diet, exercise, sleep, and stress—that can reclaim your health.
- Be Pragmatic About Your Finances: Hope for the best but plan for the worst. A well-structured portfolio of Life Insurance, Critical Illness Cover, and Income Protection is not an admission of defeat; it is an act of profound responsibility and love for your family. It is the financial firewall that ensures a health crisis does not become a financial catastrophe.
The time to act is now. Every positive lifestyle choice you make, and every step you take to build your financial defences, is an investment in a longer, healthier, and more secure future for you and everyone who depends on you.
Contact an expert adviser today to review your protection needs and explore how you can build a comprehensive shield for your family’s tomorrow.
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!