UK Lifestyle Premium: Insurance Costs
The UK's Lifestyle Premium: Unpacking How Your Region, Hobbies, and Habits Drive Up Insurer Prices
UK LCIIP The Lifestyle Premium – How Your Regions Hobbies & Habits Dictate Insurer Prices
In the complex world of UK life insurance, critical illness cover, and income protection (LCIIP), understanding what truly dictates your premium is paramount. While most people instinctively link their health and age to insurance costs, a far more intricate web of factors is at play. This includes not just your individual habits and hobbies, but also surprisingly, where you live and the prevailing health and lifestyle trends of your region. Welcome to the concept of the "Lifestyle Premium" – a sophisticated calculation by insurers that reaches far deeper than a simple health questionnaire.
This comprehensive guide will unravel the mysteries behind LCIIP pricing, exposing how everything from your postcode to your passion for rock climbing, and even the air quality in your local borough, can subtly (or significantly) influence how much you pay. We'll delve into the actuarial science, the role of big data, and equip you with the knowledge to navigate this landscape effectively, ensuring you secure the right cover at a fair price.
The Actuarial Lens: Deconstructing Risk for LCIIP
At its core, insurance is about risk management. Insurers are in the business of predicting the likelihood of an event occurring – whether that's your untimely death (life insurance), a severe illness (critical illness), or an inability to work due to injury or sickness (income protection). To do this, they employ highly skilled professionals called actuaries.
Actuaries are statistical experts who use complex mathematical models and vast datasets to quantify risk. They don't just look at you as an individual; they place you within various risk pools based on a multitude of characteristics. The premium you pay is essentially your share of the expected costs within that pool, plus the insurer's operational expenses and profit margin.
What Insurers Are Really Looking For
When you apply for LCIIP, insurers are trying to answer a fundamental question: how likely are you to make a claim, and what will that claim cost them? This involves assessing various categories of risk:
- Mortality Risk: The likelihood of death (primary for life insurance).
- Morbidity Risk: The likelihood of developing a serious illness or suffering an injury (primary for critical illness and income protection).
- Longevity Risk: While less direct for LCIIP, this refers to living longer than expected, which impacts pension annuities but also influences overall health trends.
They gather information through your application, medical questionnaires, and sometimes medical examinations or doctor's reports. However, their assessment doesn't stop there. They overlay this personal data with broader statistical trends derived from national health records, demographic studies, and even socio-economic research.
The Power of Data: More Than Just Personal History
In the digital age, insurers have access to unprecedented amounts of anonymised data. This allows them to identify correlations and patterns that might not be immediately obvious. For instance, they know that certain lifestyle choices, occupations, and even geographical locations are statistically associated with higher incidences of specific health conditions or accidents.
This isn't about discrimination; it's about accurate risk pricing. If a particular group (based on shared characteristics) statistically experiences more claims, the premiums for that group will naturally reflect that higher risk.
Your Personal Blueprint: Habits and Hobbies
Your individual choices and activities form the first layer of the lifestyle premium calculation. These are the elements you typically declare on an application form, and they have a direct and often significant impact on your premiums.
Health and Habits: The Foundation of Risk
The most obvious determinants of your LCIIP premiums are your current health status and long-term habits.
- Smoking: This is arguably the biggest single lifestyle factor influencing premiums. Smokers face significantly higher rates for life insurance and critical illness cover due to the elevated risks of cancer, heart disease, stroke, and chronic respiratory conditions. According to the Office for National Statistics (ONS), smoking remains one of the largest causes of preventable death in the UK, accounting for around 74,600 deaths in 2021. Insurers reflect this stark reality.
- Alcohol Consumption: While moderate drinking may not impact premiums, heavy or excessive alcohol intake can lead to higher rates or even refusal, due to increased risks of liver disease, certain cancers, and cardiovascular issues.
- Diet and Exercise: While rarely asked in specific detail unless there are related health conditions, general fitness levels and a balanced diet contribute to overall health. Conversely, obesity is a growing concern. The NHS reports that nearly two-thirds (64%) of adults in England are overweight or living with obesity. Obesity is linked to higher risks of type 2 diabetes, heart disease, stroke, and some cancers – all critical illness conditions.
- Pre-existing Medical Conditions: Any existing health issues, such as diabetes, heart conditions, asthma, or mental health conditions, will be assessed. Insurers will look at the severity, stability, and prognosis of your condition. They may offer cover with an exclusion for that condition, a premium loading, or in some severe cases, decline cover.
High-Risk Hobbies: The Thrill-Seeker's Premium
If your leisure time involves activities that carry an inherent risk of serious injury or death, insurers will take note. These are often referred to as "hazardous pursuits."
Consider the following examples:
| Hobby Category | Specific Activities | Risk Profile | Potential Impact on Premiums / Cover |
|---|---|---|---|
| Aerial Sports | Skydiving, Paragliding, Hang-gliding, Microlighting | High risk of severe injury or fatality from falls. | Significant loading, specific exclusions for related claims. |
| Mountain Sports | Mountaineering, Rock Climbing (unroped), Caving | Risk of falls, exposure, extreme weather. | Loading, potentially exclusion for certain claims. |
| Water Sports | Scuba Diving (deep/technical), White Water Rafting | Drowning, decompression sickness, injury from strong currents. | Loading, specific depth limits for diving. |
| Motor Sports | Car Racing, Motorcycle Racing, Rallying | High-speed collisions, severe injury, fatality. | Significant loading, often excluded for specific racing incidents. |
| Equestrian | Horse Riding (esp. competitive, hunting, eventing) | Falls, serious spinal or head injuries. | Moderate loading, especially for certain disciplines. |
| Combat Sports | Boxing, Mixed Martial Arts (MMA), Kickboxing (pro) | Head trauma, severe internal/external injuries. | Loading, often exclusions for certain injuries. |
Insurers will typically ask for details such as how often you participate, your level of experience, whether you hold relevant qualifications, and if you use accredited clubs or organisations. Some activities may lead to a small premium increase, while others could see your cover loaded significantly or specific claim events excluded from your policy.
Occupation: Your Day Job's Influence
Your profession also plays a role. Broadly, jobs are categorised by the level of risk they pose to your health and safety.
- Low Risk (Standard Rates): Office workers, teachers, retail assistants. These typically face standard premiums.
- Medium Risk (Potential Loading): Tradespeople (e.g., plumbers, electricians), light industrial workers. Risks include accidental injury.
- High Risk (Significant Loading or Special Terms): Construction workers, military personnel, offshore oil rig workers, pilots, deep-sea fishermen. These roles carry inherent dangers like falls, exposure to hazardous materials, or extreme environments, leading to higher premiums, specific exclusions, or a requirement for specialist cover.
For income protection, the nature of your job is particularly critical, as it directly impacts the likelihood and duration of a claim if you're unable to perform your specific duties.
The Geographic Dimension: Your Postcode's Hidden Influence
Beyond your personal choices, your physical location in the UK holds a surprising sway over your LCIIP premiums. This isn't about discrimination; it's about statistical probabilities. Insurers analyse vast amounts of data that link geographical areas to various risk factors. This is often referred to as the "postcode lottery."
Health Disparities: A Regional Reality
The UK has significant regional health inequalities. Where you live can correlate with differences in life expectancy, prevalence of chronic diseases, and even mental health outcomes.
- North-South Divide: While generalising, statistical data often shows poorer health outcomes in parts of Northern England compared to the South East. For instance, the ONS reported in 2023 that healthy life expectancy (the average number of years a person can expect to live in good health) in the UK varied significantly by region, with areas in the South East and South West typically having higher healthy life expectancies than those in the North East.
- Obesity Hotspots: Certain regions or even local authorities may have higher rates of obesity. For example, Public Health England data often highlights areas with higher prevalence of obesity, which in turn correlates with increased risks of related critical illnesses.
- Disease Prevalence: Incidence rates of conditions like heart disease, stroke, or certain cancers can vary regionally due to a complex interplay of socio-economic factors, diet, lifestyle, and access to healthcare.
- Cancer Research UK data frequently shows regional variations in cancer incidence and mortality rates, often linked to deprivation, smoking rates, and screening uptake.
- Diabetes UK reports highlight areas with higher prevalence of Type 2 diabetes, which is a major risk factor for heart disease and stroke.
- Mental Health: While data is complex, socio-economic factors and access to services can contribute to regional differences in mental health prevalence and outcomes.
Insurers consider these broad trends. If you live in an area with statistically higher rates of certain critical illnesses or lower life expectancy, it might subtly influence your premium as you are part of that higher-risk pool.
Environmental Factors: The Air You Breathe
Your local environment can also contribute to your risk profile.
- Air Quality: Urban centres, particularly those with high traffic or industrial activity, often have poorer air quality. Long-term exposure to air pollution (particulate matter, nitrogen dioxide) is linked to respiratory diseases (asthma, COPD), cardiovascular disease, and even certain cancers. According to Public Health England, outdoor air pollution is estimated to cause between 28,000 and 36,000 deaths a year in the UK. Insurers factor this into their overall regional risk assessment.
- Access to Green Spaces: Conversely, living near parks or green spaces has been linked to better physical and mental health outcomes. This positive environmental factor might subtly mitigate risk in some areas.
- Flood Risk: While more directly relevant to home insurance, areas prone to flooding can have indirect impacts on health and well-being due to stress, displacement, and mould-related respiratory issues, which could be part of a broader regional risk assessment for income protection.
Socio-Economic Indicators: The Fabric of Your Community
The socio-economic fabric of your neighbourhood can be a powerful indicator of future health outcomes, which insurers monitor.
- Deprivation: Areas with higher levels of deprivation (as measured by indices like the English Indices of Deprivation) often have poorer health outcomes, lower life expectancy, and higher rates of chronic diseases. This is due to a complex interplay of factors including diet, smoking rates, access to healthy food, job security, and quality of housing. ONS data consistently shows a strong correlation between deprivation and reduced healthy life expectancy.
- Unemployment Rates: High unemployment can correlate with stress, poorer mental health, and reduced access to healthcare. For income protection, regional unemployment rates can also influence the perceived risk of a prolonged inability to work.
- Income Levels: Lower average incomes in an area can correlate with less healthy lifestyles and less access to preventative healthcare.
- Crime Rates: While less direct for life and critical illness, high crime areas might be seen as slightly higher risk for income protection due to the potential for injury, or for life insurance if violent crime rates are exceptionally high in specific, rare instances. The ONS publishes detailed crime statistics by police force area and sometimes by local authority.
It's important to stress that insurers are not looking at your specific income or job security within a region. They are looking at aggregated, anonymised data about the area to understand general population health trends and risks.
Regional Health Infrastructure
Access to healthcare facilities, including GP services, hospitals, and specialist clinics, can influence health outcomes. While perhaps a minor factor, living in an area with consistently better access to timely diagnosis and treatment could be seen as marginally beneficial.
The Data Science Behind Underwriting
Modern LCIIP underwriting is a sophisticated blend of actuarial science, medical knowledge, and cutting-edge data analytics. Insurers use "big data" to process vast amounts of anonymised information.
- Statistical Modelling: They build predictive models that identify correlations between various data points (age, gender, health conditions, postcode, occupation, hobbies) and claims experience.
- Machine Learning (ML) and Artificial Intelligence (AI): AI and ML algorithms can identify complex patterns in data that human analysts might miss. These tools help refine risk profiles, leading to more accurate (and sometimes more personalised) pricing.
- Anonymised Aggregated Data: It's crucial to understand that this regional and demographic data is always used in an aggregated, anonymised form. Insurers are not looking at your individual neighbours' health records; they are looking at statistical trends across large populations within specific geographical boundaries.
This data-driven approach allows insurers to offer premiums that are more precisely tailored to actual risk, moving away from broad generalisations.
Transparency and Disclosure: Your Crucial Role
Given the intricate factors influencing premiums, it is absolutely essential that you provide accurate and complete information during your application.
- Honesty is the Best Policy: Failing to disclose relevant medical history, hazardous hobbies, or even significant lifestyle changes (like quitting smoking) can have severe consequences. If you make a claim and the insurer discovers you withheld material information, they could refuse to pay out. This would leave you or your loved ones in a precarious financial position.
- Material Information: "Material information" is anything that would influence an insurer's decision to offer cover, or the terms (e.g., premium, exclusions) on which they offer it. When in doubt, disclose it.
- Updating Your Insurer: While most LCIIP policies have guaranteed premiums, meaning your premium won't change if your health deteriorates, some lifestyle changes (like quitting smoking or taking up a new dangerous hobby) might be worth informing your insurer about. For some policies, demonstrating a sustained positive change (e.g., being smoke-free for 12 months) could lead to a review of your premium if the policy allows.
The Financial Conduct Authority (FCA) expects insurers to be transparent about how they assess risk and price policies. However, the onus is on the applicant to provide truthful information.
Navigating the Premium Landscape: How to Secure the Best Deal
Understanding the "lifestyle premium" empowers you to make informed decisions. Here's how you can navigate this complex landscape:
1. Optimise Your Personal Risk Factors
While you can't change your postcode easily, you can influence your personal health and habits.
- Quit Smoking: This is the single most impactful step. After typically 12 months of being smoke-free, you can often qualify for non-smoker rates, which can be significantly cheaper.
- Manage Your Health: Work with your GP to manage any existing medical conditions effectively. Good control of conditions like diabetes or high blood pressure can sometimes lead to more favourable underwriting terms.
- Adopt a Healthy Lifestyle: While not a quick fix, a balanced diet, regular exercise, and moderate alcohol consumption contribute to overall health, potentially reducing the likelihood of developing critical illnesses in the future and making you a more attractive risk to insurers.
- Reconsider High-Risk Hobbies (or be prepared to pay): If you engage in hazardous pursuits, be aware of the potential premium implications. If it's a new hobby, weigh the cost against your passion.
2. The Power of Comparison: Don't Settle for the First Quote
Different insurers have different appetites for risk and different underwriting philosophies. An insurer that charges a high premium for someone with a specific medical condition might offer a competitive rate for someone with a high-risk hobby, and vice-versa.
- Varying Underwriting Tables: Each insurer has its own "underwriting manual" – a set of rules and tables that determine how different risks are priced. What one insurer considers a significant loading, another might view as minor.
- Specialist Insurers: Some insurers specialise in covering specific risks, such as those with certain medical conditions or hazardous occupations, and may offer more competitive terms.
- Holistic Assessment: Insurers look at the overall risk profile. A perfectly healthy individual with a very high-risk hobby might still get a better rate than someone with multiple minor health issues and a low-risk hobby.
This is where expert independent advice becomes invaluable.
3. The Indispensable Role of an Independent Broker (Like WeCovr)
Comparing policies directly from various insurers can be a time-consuming and confusing process. This is precisely where an independent insurance broker excels.
- Market Access: We have access to the entire market of UK LCIIP providers, not just a select few. This means we can compare plans from all major UK insurers, including those that specialise in particular risk profiles.
- Expert Knowledge: We understand the nuances of each insurer's underwriting criteria. We know which insurers are more lenient on certain medical conditions, which are more competitive for smokers who have recently quit, or which offer better terms for specific hazardous occupations or hobbies.
- Personalised Advice: We take the time to understand your unique circumstances – your health, habits, occupation, and even your regional context. We then use this information to identify the insurers most likely to offer you the best terms.
- Streamlined Application: We can guide you through the application process, helping you present your information accurately and efficiently, often pre-empting follow-up questions from insurers.
- Advocacy: If you have a complex medical history or a unique lifestyle, we can advocate on your behalf with insurers, presenting your case in the most favourable light to secure optimal terms.
- Saving You Time and Money: By doing the legwork and leveraging our expertise, we help you avoid paying over the odds and ensure you get the right coverage for your needs. WeCovr aims to simplify this complex process, ensuring you receive tailored advice that reflects the specificities of your lifestyle and location.
4. Review Your Policies Periodically
Life is not static, and neither should your insurance policies be.
- Lifestyle Changes: If you've made significant positive lifestyle changes (e.g., quit smoking for over 12 months, recovered from a serious illness), it's worth reviewing your policy with your broker. While most LCIIP premiums are guaranteed for the policy term, some insurers may offer re-underwriting opportunities.
- Changes in Circumstances: Marriage, children, a new mortgage, or a change in occupation all warrant a review of your coverage to ensure it still meets your evolving needs.
- Market Changes: The insurance market evolves. New products emerge, and pricing structures can shift. A periodic review (e.g., every 3-5 years) with an expert like WeCovr can ensure you're still getting the best value.
Future Trends in LCIIP Underwriting
The "lifestyle premium" is constantly evolving, driven by technological advancements and changing societal trends.
- Wearable Technology and Data: The rise of smartwatches and fitness trackers could lead to more dynamic, personalised premiums. Some insurers are already experimenting with offering discounts for policyholders who share their activity data and demonstrate healthy habits. While not widespread yet for core LCIIP, it's a strong trend.
- Personalised Prevention: Insurers may increasingly partner with health and wellness programmes to encourage healthier lifestyles, potentially offering premium reductions for active participation.
- Genetic Testing: While highly contentious due to ethical and privacy concerns, the potential impact of genetic insights on insurance underwriting remains a long-term discussion. Currently, UK law restricts insurers from requiring or using predictive genetic test results for most LCIIP products, but this could evolve.
- Enhanced Data Integration: As more data sources become available (e.g., environmental data, public health registries), insurers will continue to refine their regional risk assessments, leading to even more granular pricing.
- Climate Change Impacts: The long-term health implications of climate change (e.g., increased heatwaves, air pollution from wildfires, new infectious diseases) could subtly influence future mortality and morbidity trends, and thus premiums.
These future developments underscore the growing importance of the "lifestyle premium" concept, moving towards ever more precise risk assessment.
Conclusion: Empowering Your LCIIP Decisions
The "UK LCIIP Lifestyle Premium" is a testament to the sophistication of modern insurance underwriting. It highlights that your premium isn't just a number plucked from thin air; it's the result of meticulous calculations that factor in your individual health, your daily habits, your adventurous hobbies, your chosen profession, and even the collective health and environmental characteristics of your region.
Understanding these multifaceted influences empowers you to make smarter choices. You can actively work on improving your personal risk factors, and crucially, you can leverage the expertise of independent advisors.
Don't let the complexity deter you. Protecting your family and your financial future with life insurance, critical illness cover, and income protection is one of the most important decisions you'll make. By embracing the insights into how your lifestyle and location influence costs, you can engage with the market with confidence. Remember, the goal isn't just to find the cheapest policy, but the right policy at a fair price – one that provides comprehensive protection tailored to your unique life.
Engaging with an expert independent broker, such as WeCovr, ensures you're not just comparing prices, but comparing the intricacies of underwriting philosophies across the market. We are here to guide you through this labyrinth, translating complex actuarial calculations into clear, actionable advice, helping you secure the robust financial safety net you deserve.
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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Who Are WeCovr?
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!