UK Longevity Gap The £6.5M Health Burden
UK 2025 Shock New Data Reveals The Average Briton Faces Nearly Two Decades in Poor Health, Fueling a Staggering £6.5 Million+ Lifetime Burden of Unfunded Care, Lost Earning Potential & Eroding Quality of Life – Is Your Private Medical Insurance & Comprehensive Protection Plan Your Essential Blueprint for a Healthy, Secure Future?
The great paradox of modern British life is that while we are living longer than ever before, we are not necessarily living healthier. A silent crisis is unfolding across the UK: the Longevity Gap. This is the chasm between our total life expectancy and our healthy life expectancy – the years we can expect to live free from debilitating illness or disability.
Fresh analysis for 2025 projects a startling picture. The average Briton can now expect to spend nearly two decades of their life in a state of poor health. This isn't just a matter of minor aches and pains; it represents years, often post-retirement, grappling with chronic conditions that diminish quality of life and create an immense financial black hole.
This period of ill health is fuelling a potential lifetime financial burden that can exceed a staggering £6.5 million for some individuals and their families. This figure isn't just about healthcare costs. It's a devastating combination of unfunded social care, catastrophic loss of earnings, depleted pensions, and the erosion of a lifetime's savings. It’s a threat to your financial security, your family's future, and the legacy you hope to leave behind.
In this definitive guide, we will dissect this challenge, explore the true costs, and lay out the essential blueprint for protecting yourself. This isn't about fear; it's about foresight. With the right strategy, combining proactive wellness with a robust financial shield of Private Medical Insurance and comprehensive protection, you can take control of your future, ensuring your later years are defined by health, security, and peace of mind.
Understanding the UK's Health Divide: Life Expectancy vs. Healthy Life Expectancy
To grasp the scale of the challenge, we must first understand two critical metrics published by the Office for National Statistics (ONS).
- Life Expectancy: This is the average number of years a person is expected to live.
- Healthy Life Expectancy (HLE): This is the average number of years a person is expected to live in a state of "good" or "very good" health, based on self-assessment.
The gap between these two figures is the period we can expect to live with a health-related disability or illness. And the latest projections for 2025 are deeply concerning.
According to the latest ONS data trends:
- A male born in the UK has a life expectancy of around 79.0 years, but a healthy life expectancy of only 62.8 years. This is a gap of 16.2 years in poorer health.
- A female born in the UK has a life expectancy of around 82.8 years, but a healthy life expectancy of just 63.6 years. This reveals a staggering gap of 19.2 years.
Think about that for a moment. The average person in the UK is facing between 16 and 19 years of their life managing a condition that limits their daily activities. This could be anything from arthritis and heart disease to diabetes, cancer recovery, or dementia. These are not just statistics; they represent a fundamental shift in how we must plan for our lives, our careers, and our retirement.
The Regional Picture: A Postcode Lottery of Health
This health divide is not uniform across the country. Where you live can have a dramatic impact on your healthy life expectancy, highlighting significant regional inequalities.
| Region / Country | Male Healthy Life Expectancy (HLE) at Birth | Female Healthy Life Expectancy (HLE) at Birth |
|---|---|---|
| South East | 66.1 years | 66.5 years |
| London | 64.9 years | 65.1 years |
| South West | 64.6 years | 64.8 years |
| Scotland | 61.7 years | 61.9 years |
| Wales | 61.5 years | 60.5 years |
| North West | 60.5 years | 61.0 years |
| North East | 59.1 years | 59.7 years |
Source: ONS data trends, public health bodies. Figures are based on the latest available data sets projected for 2025 trends.
The data shows a clear North-South divide, with those in the North East potentially facing over six more years of ill health than their counterparts in the South East. This reality underscores the need for personalised financial and health planning, as national averages can mask significant local risks.
Deconstructing the £6.5 Million+ Lifetime Burden: A Sobering Reality
How can nearly two decades of poor health translate into a multi-million-pound financial catastrophe? The £6.5 million+ figure represents a potential lifetime cumulative impact for a higher-earning individual or family facing a significant health crisis. It’s a perfect storm of direct costs, lost opportunities, and eroded wealth.
Let's break down the components of this staggering burden.
1. Unfunded Social and Private Care Costs
This is the most direct and crippling expense. While the NHS provides outstanding medical care, it does not cover social care – help with daily living, such as washing, dressing, and eating. This is means-tested, and the costs are astronomical.
- Residential Care Home: Average costs are £800 per week, or £41,600 per year.
- Nursing Care Home (with specialist medical care): Average costs rise to over £1,078 per week, or £56,000 per year.
- Live-in Home Care: Can easily exceed £1,500 per week, amounting to £78,000 per year.
Over a 10-year period, residential care alone could cost £416,000. If specialist nursing is required, this could soar to over £560,000. This often requires selling the family home and depleting all savings.
2. Catastrophic Loss of Earning Potential
A serious illness doesn't just affect you; it impacts your entire family's financial trajectory.
- For the Individual: An illness forcing you out of work at age 50 instead of 67 means 17 years of lost income. For someone earning £60,000 a year, this equates to a gross loss of over £1,020,000 in salary alone, not including bonuses or pay rises.
- For the Partner/Carer: It's common for a spouse or partner to have to reduce their hours or leave work entirely to become a carer. If they were earning £40,000, even a 10-year career break results in £400,000 of lost income.
- The Total Impact: The combined lost earning potential for a couple can easily exceed £1.5 million.
3. Pension and Investment Annihilation
The loss of earnings has a devastating knock-on effect.
- Lost Pension Contributions: No earnings mean no pension contributions. The £1,020,000 in lost salary mentioned above would have generated significant pension growth. A 10% employer/employee contribution over 17 years, with modest market growth, could have added another £300,000 - £500,000 to a pension pot.
- Investment Opportunity Cost: This is a hidden but massive cost. The money spent on care (£500,000+) and the income lost (£1.5M+) is money that is not invested. Over 20 years, a £2 million sum that is instead spent or lost could have grown, even in a conservative portfolio, into £4 million or more. This is the lost future, the wealth that never was.
4. The Hidden Out-of-Pocket Expenses
Beyond the major costs, a long-term illness brings a relentless stream of other expenses:
- Home modifications (stairlifts, wet rooms): £5,000 - £20,000+
- Specialist equipment (wheelchairs, beds): £2,000 - £10,000+
- Private therapies and treatments not on the NHS: £1000s per year
- Increased travel costs for hospital appointments
- Higher utility bills from being at home more
These can easily add up to £50,000 - £100,000 over the course of an illness.
The Lifetime Financial Impact: A Hypothetical Case
| Financial Impact Area | Estimated Cost Over a 20-Year Period |
|---|---|
| Lost Gross Earnings (Individual) | £1,200,000 |
| Lost Gross Earnings (Partner as Carer) | £500,000 |
| Direct Cost of Nursing Care (10 years) | £560,000 |
| Lost Pension Growth | £450,000 |
| Out-of-Pocket Modifications & Expenses | £70,000 |
| Sub-Total Direct Loss & Cost | £2,780,000 |
| Investment Opportunity Cost | £3,750,000 |
| Total Potential Lifetime Burden | £6,530,000 |
This is a hypothetical projection for a higher-earning couple facing a long-term health event, demonstrating how costs can accumulate.
This multi-million-pound figure illustrates a worst-case scenario, but it is a realistic one for many families who are unprepared. It shows how quickly a medical issue can become a life-altering financial crisis.
The NHS is a National Treasure, But It Can't Do Everything
Let us be clear: the National Health Service is one of the UK's greatest achievements. Its staff perform miracles every day, providing care that is free at the point of use. We are all indebted to it.
However, to rely on the NHS for everything is to ignore the immense pressures it is under. The system was designed in a different era, for a different set of health challenges. Today, it is straining under the weight of an ageing population, a rise in chronic conditions, and finite resources.
This manifests in several ways that directly impact you:
- Waiting Lists: The most visible sign of pressure. As of 2025, millions are on waiting lists for routine diagnostic tests, consultations, and elective surgeries like hip replacements or cataract operations. These delays don't just cause discomfort; they can lead to a condition worsening, making treatment more complex and recovery longer.
- Access to Specialists: Getting a swift referral to the right specialist can be a lengthy process, often involving multiple GP visits and long waits.
- Choice and Control: The NHS generally dictates the hospital, the consultant, and the timing of your treatment. You have limited flexibility.
- "Postcode Lottery": Access to certain advanced drugs, new therapies (especially for cancer), and rehabilitation services can vary significantly depending on where you live and the budget of your local NHS trust.
- Focus on the Acute: The NHS excels at emergency and acute care but is less equipped to handle the long, slow-burn of chronic disease management and the social care that accompanies it.
Relying solely on the NHS is a gamble. It's a gamble on waiting lists not getting longer, on your condition not deteriorating while you wait, and on the specific treatment you need being available in your area. This is where personal responsibility and private protection become not a luxury, but a necessity.
Your Blueprint for a Secure Future: Building a Comprehensive Protection Portfolio
Facing the longevity gap and its financial fallout requires a proactive strategy. You wouldn't build a house without a blueprint, and you shouldn't navigate your financial life without one either. A comprehensive protection portfolio is your financial shield, designed to deploy specific support at exactly the moment you need it most.
At WeCovr, we help our clients understand that these policies are not standalone products but interconnected components of a single, robust plan.
1. Private Medical Insurance (PMI)
PMI is your key to unlocking speed, choice, and control over your healthcare. It works alongside the NHS, giving you options when you need them most.
- What it is: A policy that covers the costs of private medical treatment for acute conditions.
- Key Benefit: Bypassing NHS waiting lists. Instead of waiting months for a scan or surgery, you can often be seen by a specialist in days or weeks. This can be crucial for a swift diagnosis and for preventing a condition from worsening.
- What it Covers:
- Consultations with specialists
- Diagnostic tests (MRI, CT scans, etc.)
- In-patient and day-patient treatment in a private hospital
- Surgery
- Access to cancer drugs and therapies not yet available on the NHS
- Why it Matters: PMI directly addresses the waiting list problem, giving you peace of mind and getting you back on your feet – and back to work – faster.
2. Income Protection (IP)
Often described by financial experts as the most important insurance policy of all, IP is the foundation of any protection plan.
- What it is: A policy that pays you a regular, tax-free replacement income if you are unable to work due to any illness or injury.
- Key Benefit: It protects your most valuable asset: your ability to earn an income. It pays your bills, covers your mortgage, and allows you to maintain your family's lifestyle while you recover.
- How it Works: You can typically cover 50-70% of your gross salary. The payments start after a pre-agreed "deferred period" (e.g., 4, 13, 26, or 52 weeks) and can continue right up until you return to work or reach retirement age.
- Why it Matters: IP prevents a health crisis from becoming an immediate financial crisis. It stops the catastrophic loss of earnings we detailed earlier and is the bedrock of financial security for you and your family.
3. Critical Illness Cover (CIC)
While IP replaces your monthly income, CIC provides a lump sum to deal with the major financial shocks of a serious diagnosis.
- What it is: A policy that pays out a tax-free lump sum on the diagnosis of a specified serious illness, such as cancer, heart attack, or stroke.
- Key Benefit: Financial freedom at a time of immense stress. The money can be used for anything you need.
- How People Use It:
- Pay off a mortgage or other debts
- Fund private medical treatment or specialist care
- Adapt the home for new mobility needs
- Replace a partner's income so they can take time off to care for you
- Simply give you the financial breathing space to recover without worry.
- Why it Matters: CIC provides a capital injection to solve big financial problems, allowing you to focus completely on your recovery.
4. Life Insurance
The final piece of the puzzle, ensuring your family is protected financially if the worst should happen.
- Term Assurance: Provides a lump sum payment if you die within a set term. It's typically used to pay off a mortgage and provide for children until they are financially independent.
- Family Income Benefit: A variation that pays a regular, tax-free income to your family until the end of the policy term, rather than a single lump sum. This can be easier to manage and replaces your lost salary more directly.
Comparing the Core Protection Products
| Product | What It Does | Solves Which Problem? |
|---|---|---|
| Private Medical Insurance | Pays for private medical treatment. | Bypasses NHS queues, gives choice and speed. |
| Income Protection | Replaces your monthly income if you can't work. | Prevents loss of earnings, covers ongoing bills. |
| Critical Illness Cover | Pays a one-off, tax-free lump sum on diagnosis. | Clears major debts, funds big one-off costs. |
| Life Insurance | Pays out on death to protect your loved ones. | Secures your family's financial future. |
A truly comprehensive plan often involves a combination of these policies, tailored to your specific circumstances, budget, and priorities.
Specialist Protection for Business Owners, Directors, and the Self-Employed
If you run your own business or work for yourself, you are uniquely exposed. You have no employer sick pay, no death-in-service benefit, and your business's survival may depend entirely on your health. Standard protection is vital, but specialist business protection is also essential.
Personal Income Protection: The Non-Negotiable
For freelancers, contractors, and sole traders, Income Protection is not optional; it's fundamental. Without it, your income stops the day you can no longer work. A robust IP policy is your sick pay, your safety net, and the single most important financial decision you can make.
Executive Income Protection: A Tax-Efficient Solution for Directors
Company directors can have their limited company pay for their Income Protection policy.
- How it Works: The company pays the premium, and it's treated as an allowable business expense, making it highly tax-efficient. If you need to claim, the benefit is paid to the company, which then distributes it to you via PAYE.
- The Benefit: It protects the director's income without them having to use their own post-tax money, providing vital security for them and their family.
Key Person Insurance: Protecting Your Business's Most Valuable Asset
Who is indispensable to your business? Is it you? A top salesperson? A technical genius? What would happen to your profits if that person were suddenly unable to work due to death or critical illness?
- What it is: A policy taken out by the business on the life of a key employee.
- How it Works: If the key person dies or suffers a critical illness, the policy pays a lump sum to the business.
- What the Money is For:
- Covering lost profits during the disruption.
- Recruiting and training a replacement.
- Reassuring lenders and investors.
- Winding down the business in an orderly fashion if necessary.
- Why it Matters: Key Person cover protects the business itself from the financial fallout of losing its most important people.
Proactive Health: Investing in Your Wellbeing is the First Line of Defence
Insurance is your financial shield, but the very best strategy is to reduce your chances of needing it in the first place. Taking proactive steps to manage your health can significantly increase your healthy life expectancy and reduce your risk of chronic disease.
This isn't about extreme diets or punishing gym routines. It's about making small, sustainable changes.
- Nourish Your Body: Focus on a balanced diet rich in whole foods, fruits, vegetables, and lean protein. Limiting processed foods, sugar, and excessive alcohol can have a profound impact on your risk of developing conditions like type 2 diabetes and heart disease.
- Move Every Day: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This could be a brisk 30-minute walk five days a week. Regular exercise is a magic bullet for physical and mental health.
- Prioritise Sleep: Aim for 7-9 hours of quality sleep per night. Sleep is when your body repairs itself, consolidates memories, and regulates hormones. Poor sleep is linked to a host of health problems.
- Manage Stress: Chronic stress is a major contributor to ill health. Find what works for you – whether it's mindfulness, yoga, spending time in nature, or a hobby you love. Don't be afraid to seek support for your mental health.
At WeCovr, we believe so strongly in proactive health that we go the extra mile for our clients. In addition to securing the best protection policies, we provide complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. It's a simple, effective tool to help you make informed choices about your diet, empowering you to take direct control of your long-term health.
How WeCovr Can Help You Build Your Financial Shield
Navigating the world of protection insurance can feel complex. With dozens of providers, hundreds of policy variations, and confusing jargon, it's easy to feel overwhelmed. This is where expert, independent advice is invaluable.
Going direct to an insurer means you only see one set of products. Using a broker like WeCovr means you get a view of the entire market. We work for you, not for the insurance company.
Our process is simple but thorough:
- We Listen: We take the time to understand you, your family, your career, your financial situation, and your health goals.
- We Research: We use our expertise and market-leading technology to search policies from all the UK's major insurers to find the most suitable options.
- We Recommend: We present you with a clear, jargon-free recommendation, explaining why a particular blend of policies is right for your unique needs and budget.
- We Support: We handle the application process for you and are there to support you in the years to come, and crucially, at the point of a claim.
We build blueprints for financial security. Our goal is to give you the confidence that, no matter what health challenges life throws at you, your financial future and your family's wellbeing are secure.
Conclusion: Taking Control of Your Health and Wealth
The longevity gap is a defining challenge of our time. Living for nearly two decades in poor health is a grim prospect, made worse by the devastating financial consequences that can unravel a lifetime of hard work.
But this future is not inevitable. The data is not a prediction of your personal destiny; it is a call to action.
You have the power to change the narrative. By investing in your own wellbeing through healthier habits and by erecting a robust financial shield with a comprehensive protection portfolio, you can seize control. Private Medical Insurance, Income Protection, and Critical Illness Cover are not mere expenses; they are strategic investments in a future where you can enjoy your later years with dignity, security, and peace of mind.
Don't wait for a health crisis to reveal the gaps in your financial plan. Take the first step today. Review your circumstances, understand the risks, and seek expert advice to build the blueprint that will protect you and your loved ones for decades to come.
Frequently Asked Questions (FAQs)
Is private medical insurance worth it if I have the NHS?
What's the difference between Income Protection and Critical Illness Cover?
- Income Protection (IP) is designed to cover an ongoing loss of income. It pays a regular monthly benefit if you are unable to work due to any illness or injury. It protects your lifestyle and pays the bills.
- Critical Illness Cover (CIC) is designed to cover the financial impact of a serious diagnosis. It pays a one-off, tax-free lump sum if you are diagnosed with one of a list of specific conditions (like cancer or heart attack). This money can be used for anything, such as paying off a mortgage, funding private care, or adapting your home.
I'm self-employed. What's the single most important insurance for me?
How much cover do I actually need?
Can I get cover if I have a pre-existing medical condition?
- Offer cover on standard terms.
- Offer cover but with an exclusion for your specific condition.
- Offer cover but with an increased premium (a "loading").
- In some cases, they may decline to offer cover.
Why should I use a broker like WeCovr instead of going direct to an insurer?
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!