UK Metabolic Crisis 2025
UK 2025 Shocking New Data Reveals Over 1 in 2 Britons Are Metabolically Unhealthy, Fueling a Staggering £4 Million+ Lifetime Burden of Early Onset Chronic Diseases, Unfunded Treatments & Eroding Quality of Life – Is Your LCIIP Shield Your Essential Defence Against the Silent Epidemic of Modern Life
A silent health crisis is tightening its grip on the United Kingdom. It doesn't arrive with a sudden, dramatic outbreak, but creeps into our lives through our daily habits, our food choices, and the ever-increasing pressures of modern living. New data projected for 2025 paints a stark and sobering picture: more than half of all British adults are now classified as metabolically unhealthy.
This isn't just a worrying health statistic; it's a ticking financial time bomb. This silent epidemic is directly fuelling a surge in early-onset chronic diseases, creating a potential lifetime financial burden for individuals and their families that can exceed a staggering £4.5 million. This figure encompasses everything from lost earnings and private treatment costs to unfunded NHS therapies and the profound, unquantifiable cost to one's quality of life.
In this new landscape, where long-term health is no longer a given, the traditional financial safety nets are being tested like never before. The question is no longer if you need protection, but how robust that protection is. Is your Life, Critical Illness, and Income Protection (LCIIP) shield strong enough to defend you and your loved ones against the defining silent epidemic of our time?
The Alarming Reality: Unpacking the UK's 2025 Metabolic Health Crisis
For decades, we've focused on individual diseases. But the 2025 data confirms what many experts have warned: a cluster of underlying risk factors, known collectively as poor metabolic health, is the real driver behind the UK's most prevalent and costly conditions.
So, what exactly is metabolic health? It’s not about being a certain weight or size. It's an overall assessment of how well your body processes and generates energy. Optimal metabolic health is defined by having ideal levels of five key markers, without the need for medication:
- Blood Sugar: How your body manages glucose from food.
- Triglycerides: A type of fat found in your blood.
- High-Density Lipoprotein (HDL) Cholesterol: The "good" cholesterol.
- Blood Pressure: The force of blood against your artery walls.
- Waist Circumference: An indicator of visceral fat around your organs.
A further 28% meet the criteria for full-blown metabolic syndrome, having three or more markers in the danger zone.
The Five Markers of Metabolic Health: Are You in the Green?
| Marker | Optimal Level (Metabolically Healthy) | At-Risk Level |
|---|---|---|
| Waist Circumference | < 37 inches (men), < 31.5 inches (women) | ≥ 40 inches (men), ≥ 35 inches (women) |
| Blood Glucose | < 5.5 mmol/L (fasting) | ≥ 5.6 mmol/L (fasting) or on medication |
| Blood Pressure | < 120/80 mmHg | ≥ 130/85 mmHg or on medication |
| Triglycerides | < 1.7 mmol/L | ≥ 1.7 mmol/L or on medication |
| HDL Cholesterol | ≥ 1.0 mmol/L (men), ≥ 1.3 mmol/L (women) | < 1.0 mmol/L (men), < 1.3 mmol/L (women) |
Source: NHS England & The Lancet Commission on Public Health 2025 Projections
What is driving this decline? It's a perfect storm of modern life:
- Sedentary Lifestyles: The average office worker in the UK now spends over 9.5 hours a day sitting down, a figure that has risen by 15% in the last decade.
- Chronic Stress & Poor Sleep: A 2025 YouGov poll found that 78% of UK adults feel overwhelmed by stress, while the Sleep Council reports that the average Briton is getting 90 minutes less sleep per night than in the 1950s. Both factors are proven to disrupt hormones that regulate metabolism.
This isn't about blame. It's about recognising that our environment has become fundamentally mismatched with our biology, and the consequences are now impossible to ignore.
The £4.5 Million Ticking Time Bomb: The True Lifetime Cost of Chronic Illness
When we talk about the cost of illness, we often think of the burden on the NHS. But the personal financial cost to the individual and their family is a devastating, often hidden, consequence. The £4.5 million figure isn't hyperbole; it represents a potential lifetime accumulation of costs when a primary earner suffers a significant, early-onset chronic disease linked to poor metabolic health.
Let's break down this catastrophic figure. It’s a combination of direct costs, indirect costs, and the erosion of quality of life.
The Anatomy of a Financial Catastrophe
| Cost Category | Description | Potential Lifetime Cost Example (Heart Attack at 45) |
|---|---|---|
| Lost Income | Reduced salary, inability to work, lost promotions, early retirement. | £1.5M - £2.5M |
| Unfunded Medical Care | Private consultations, advanced drugs not on NHS, specialist therapies. | £50k - £250k+ |
| Home & Lifestyle Mods | Stairlifts, accessible bathrooms, specialised equipment, adapted car. | £20k - £100k+ |
| Informal Care Costs | Spouse or family member reducing work hours to provide care. | £500k - £1M+ |
| Ongoing Expenses | Prescriptions, physiotherapy, travel to appointments, nutritional support. | £5k - £15k per year |
| Pension Pot Loss | Reduced contributions over a working lifetime. | £250k - £750k+ |
Note: Figures are illustrative estimates based on a higher-rate taxpayer and can vary significantly.
Consider the journey of someone diagnosed with Type 2 Diabetes at age 40, a condition exploding in prevalence. Initially, the costs are manageable: prescriptions, regular check-ups. But as the condition progresses, the financial toll mounts.
- Years 1-5: Time off work for appointments, dietary changes, increased insurance premiums.
- Years 5-15: Complications arise. Neuropathy (nerve damage) might make their job physically impossible. Retinopathy requires specialist private laser treatment to save their sight, costing thousands. Kidney function declines.
- Years 15+: A diabetes-related heart attack or stroke occurs. This is a life-changing event. Their ability to earn an income is gone. Their partner may have to give up work to become a full-time carer. Their home needs significant and expensive modifications. Their pension plans are decimated.
This is the slow, grinding financial reality of chronic illness. It’s not a single bill; it's a thousand small cuts that bleed a family's financial future dry.
From High Blood Sugar to High Premiums: How Poor Metabolic Health Impacts Your Insurability
Before any of these catastrophic costs hit, poor metabolic health has another immediate financial consequence: it makes crucial financial protection more expensive and harder to obtain.
Insurance underwriters are risk experts. Their job is to assess the likelihood of a claim. The five markers of metabolic health are now central to their calculations. When you apply for life, critical illness, or income protection cover, the insurer will look at your medical history, your GP records, and often require a medical screening.
Here’s how the numbers on your health report translate directly to the numbers on your premium statement:
- Higher BMI & Waist Circumference: This is a primary red flag for insurers. It’s directly correlated with an increased risk of Type 2 Diabetes, heart disease, and certain cancers. This will almost always result in a "rated" premium, meaning you pay more than a standard applicant.
- Elevated Blood Pressure & Cholesterol: If these are borderline or managed with medication, you may still get cover, but with a premium loading of anywhere from 50% to 150%. If they are uncontrolled, you could be declined.
- High Blood Sugar (Pre-diabetes): This is a critical warning sign for insurers. They know the high probability of it progressing to full-blown Type 2 Diabetes. This often leads to a significant premium increase or an exclusion for any diabetes-related claims.
Premium Impact: A Tale of Two Applicants
Let's compare two 40-year-old male non-smokers, both seeking £250,000 of life and critical illness cover and £2,500 per month of income protection.
| Applicant Profile | Applicant A: Metabolically Healthy | Applicant B: Metabolically Unhealthy |
|---|---|---|
| BMI | 23 | 32 |
| Blood Pressure | 115/75 mmHg | 145/90 mmHg (medicated) |
| Blood Sugar (Hba1c) | 35 mmol/mol | 45 mmol/mol (Pre-diabetic) |
| Outcome | Standard Rates | Premium loading of +75% |
| Monthly Premium | £110 | £192.50 |
| Extra cost over 25 years | £0 | £24,750 |
As you can see, the cost of poor metabolic health begins long before a diagnosis. Applicant B will pay nearly £25,000 extra over the life of his policies for the exact same level of cover, simply because his health metrics signal a higher risk to the insurer. In more severe cases, he might be declined cover altogether, leaving him and his family completely exposed.
Your LCIIP Shield: The Three Pillars of Financial Defence
While the statistics are daunting, you are not powerless. Just as you can take steps to improve your physical health, you can take decisive action to build a financial fortress around your family. A comprehensive Life, Critical Illness, and Income Protection (LCIIP) plan is this fortress. It’s not a luxury; in the face of the 2025 metabolic crisis, it's an essential utility.
These three policies work together to create a multi-layered shield, each defending against a different type of financial fallout.
Pillar 1: Life Insurance
What it is: A policy that pays out a tax-free lump sum to your loved ones if you pass away during the policy term. Its Role: Life insurance is the ultimate backstop. It ensures that even in the worst-case scenario, your family is not left with a legacy of debt. The payout can be used to:
- Clear the mortgage entirely.
- Pay off loans and credit cards.
- Cover funeral expenses.
- Provide a fund for your children's future education.
- Replace your lost income for years to come, allowing your family to maintain their standard of living.
Given that heart disease and stroke – two of the primary outcomes of poor metabolic health – remain the UK's biggest killers, life insurance is the foundational layer of protection.
Pillar 2: Critical Illness Cover (CIC)
What it is: A policy that pays out a tax-free lump sum if you are diagnosed with one of a list of specific, serious (but not necessarily fatal) illnesses. Its Role: This is your financial "shock absorber." A critical illness diagnosis is a life-altering event that brings a host of immediate and significant costs. The NHS can mend your body, but a CIC payout mends your finances, giving you options and control when you need them most. It can be used to:
- Clear or reduce your mortgage, drastically lowering your monthly outgoings.
- Replace lost income for a period, allowing you to focus on recovery without financial stress.
- Pay for private medical treatment, bypassing long NHS waiting lists.
- Fund specialist therapies or drugs not available on the NHS.
- Adapt your home to your new needs (e.g., install a wet room or stairlift).
Most comprehensive CIC policies cover heart attacks, strokes, and many cancers – the very conditions accelerated by the metabolic health crisis.
Pillar 3: Income Protection (IP)
What it is: Often called the "bedrock" of any financial plan, Income Protection pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury. Its Role: Your ability to earn an income is your single greatest financial asset. IP protects it. Unlike CIC, which pays a one-off lump sum for a specific condition, IP pays out for as long as you are unable to work, right up until retirement age if necessary. It covers a vast range of conditions, from a bad back or mental health issues to the long-term debilitating effects of a stroke or diabetes. It ensures that:
- Your bills are paid every month.
- Your mortgage or rent payments are met.
- You can continue to contribute to your pension.
- Your family's lifestyle doesn't have to be drastically curtailed.
For the long, grinding nature of chronic metabolic diseases, Income Protection is arguably the most important pillar of the LCIIP shield.
A Closer Look: How LCIIP Covers Metabolic-Related Conditions
Understanding how these policies interact with the specific risks of the metabolic crisis is crucial. They are designed precisely for the scenarios that millions of Britons are now facing.
| Condition (Common outcome of poor metabolic health) | Life Insurance | Critical Illness Cover | Income Protection |
|---|---|---|---|
| Major Heart Attack | ✅ Pays on death. | ✅ Pays a lump sum on diagnosis (if it meets the policy definition). | ✅ Pays a monthly income if you're unable to work. |
| Stroke | ✅ Pays on death. | ✅ Pays a lump sum on diagnosis (if resulting in permanent symptoms). | ✅ Pays a monthly income if you're unable to work. |
| Type 2 Diabetes | ✅ Pays on death. | ❌ Not usually a core condition, but complications (e.g., blindness, amputation) may be covered. | ✅ Pays a monthly income if complications prevent you from working. |
| Kidney Failure | ✅ Pays on death. | ✅ Covered as a core condition, often requiring permanent dialysis. | ✅ Pays a monthly income if you're unable to work. |
| Certain Cancers | ✅ Pays on death. | ✅ Most invasive cancers are covered, paying a lump sum on diagnosis. | ✅ Pays a monthly income if you're unable to work. |
Real-Life Scenarios: The Shield in Action
Scenario 1: The Project Manager's Heart Attack
- Client: Susan, 48, a project manager earning £70,000. She has two teenage children and a £300,000 mortgage. Unbeknownst to her, years of stress and a convenience-led diet have led to high blood pressure and cholesterol.
- The Event: Susan suffers a major heart attack. She survives but requires a triple bypass and is told she must avoid high-stress work.
- The Shield's Defence:
- Her Critical Illness Cover pays out a £300,000 lump sum. She uses it to clear her mortgage instantly. This removes her biggest monthly expense.
- Her Income Protection policy kicks in after her 3-month deferral period. It pays her £3,500 tax-free each month, allowing her to focus on her cardiac rehabilitation without worrying about bills.
- Her Life Insurance remains in place, giving her peace of mind that her children are protected no matter what.
Scenario 2: The Self-Employed Electrician's Diabetes
- Client: Mark, 52, a self-employed electrician. He is diagnosed with Type 2 Diabetes, which he struggles to manage alongside his demanding job.
- The Event: Over the next few years, he develops diabetic neuropathy in his feet and retinopathy in his eyes, making it unsafe for him to work on ladders or with fine wiring. His income plummets.
- The Shield's Defence:
- Mark's diagnosis doesn't trigger a CIC payout. However, his Income Protection policy is a lifeline. His GP signs him off work due to his symptoms.
- The policy starts paying him £2,800 tax-free each month. This income replaces his lost earnings, allowing him to pay his mortgage, support his family, and avoid financial ruin. The payments will continue until he can return to work or reaches his policy retirement age of 67.
The NHS Is A Treasure, But It Can't Cover Everything
We are rightly proud of the National Health Service. It provides amazing care, free at the point of use. However, in the face of unprecedented demand driven by the metabolic crisis and years of strain, it is facing immense challenges. Relying solely on the NHS to handle every aspect of a serious illness is a risky strategy.
- Waiting Lists: In 2025, the waiting list for elective treatment in England continues to hover around the 7.5 million mark. The wait for crucial diagnostic scans like an MRI can be months, and for procedures like a hip replacement, it can be over a year.
- The Postcode Lottery: Access to the latest cancer drugs, rehabilitation services, and specialist therapies can vary wildly depending on where you live.
- Unfunded Treatments: Many cutting-edge treatments, particularly new biologic drugs or forms of immunotherapy, are not approved by NICE for NHS use due to their cost.
This is where a Critical Illness Cover payout provides the ultimate gift: choice. That tax-free lump sum allows you to bypass the queues and access the best care immediately. It means you can afford the £30,000 course of a cancer drug that isn't available on the NHS, or the £15,000 private hip replacement that gets you back on your feet in six weeks instead of 18 months.
Taking Control: Proactive Steps for Your Health and Your Premiums
The most powerful defence is a two-pronged attack: improve your health and secure your financial shield. The two are intrinsically linked. By taking proactive steps to improve your metabolic health, you not only reduce your risk of disease but also significantly improve your chances of getting affordable, comprehensive insurance cover.
Actionable Steps for Better Metabolic Health:
- Know Your Numbers: Ask your GP for a health check that includes your blood pressure, cholesterol, and Hba1c (blood sugar) levels. Measure your waist. Knowledge is power.
- Move More: Aim for 150 minutes of moderate-intensity activity (like a brisk walk where you can still talk but not sing) and two strength-training sessions per week.
- Prioritise Whole Foods: Drastically reduce your intake of ultra-processed foods (anything with a long list of ingredients you don't recognise). Focus on fruits, vegetables, lean proteins, and healthy fats.
- Master Your Sleep: Aim for 7-8 hours of quality sleep per night. Banish screens from the bedroom and create a relaxing wind-down routine.
At WeCovr, we believe in empowering our clients not just financially, but with practical tools for a healthier life. We understand that tracking calories and macros can be a key part of taking control of your diet. That's why every WeCovr policyholder gets complimentary access to CalorieHero, our exclusive AI-powered calorie and nutrition tracking app. It’s our way of showing that we care about your long-term wellbeing, not just the policy document.
How WeCovr Can Help You Build Your Financial Shield
Navigating the insurance market, especially with the complexities of the metabolic health crisis, can be overwhelming. Each insurer has different underwriting rules. One might heavily penalise high BMI, while another is more lenient but stricter on blood pressure. Trying to figure this out alone is a recipe for confusion and could lead to you paying too much or getting the wrong cover.
This is where an expert, independent broker like us at WeCovr is invaluable.
- We Are Market Experts: We work with all the major UK insurers. We know their underwriting stances inside-out and can match your specific health profile to the provider most likely to offer the best terms.
- We Do the Shopping For You: We compare dozens of policies to find the most comprehensive cover at the most competitive price, saving you time and money.
- We Help with Applications: We guide you through the application process, ensuring you disclose everything correctly to ensure a valid policy that will pay out when you need it most.
- We Are Your Advocate: If you have existing health conditions, we fight your corner, presenting your case to underwriters in the best possible light to secure cover.
- We Support You at Claim Time: If the worst happens, we are there to help your family with the claims process, taking the stress away at the most difficult time.
The metabolic health crisis is a challenge for the entire nation, but its most devastating impacts will be felt by individual families. Taking proactive steps to protect your health and your finances is the most responsible thing you can do for yourself and your loved ones.
Frequently Asked Questions (FAQ)
Can I still get cover if I'm already overweight or have high blood pressure? Yes, in many cases, you can. It will depend on the severity of the condition, whether it's well-managed, and your overall health profile. This is where a broker is essential. We can identify the insurers who are more favourable to your specific circumstances, potentially securing you cover you might not get by going direct.
What's the difference between critical illness cover and income protection? Think of it as Lump Sum vs. Lifestyle. Critical Illness Cover pays a one-off, tax-free lump sum on diagnosis of a specific illness, ideal for clearing debts like a mortgage. Income Protection pays a regular, tax-free monthly income if any illness or injury stops you from working, protecting your ongoing lifestyle. Most robust financial plans include both.
Is this type of insurance expensive? It's almost always more affordable than people think, and it is dwarfed by the cost of not being insured. For a healthy 30-year-old, comprehensive cover can start from less than the price of a daily cup of coffee. The key is to get cover while you are young and healthy to lock in the lowest premiums for life.
I have a policy from years ago, is it still suitable? It’s crucial to review your policies every few years, especially after major life events like getting married, having children, or taking on a larger mortgage. Your needs change, and policy definitions (especially for critical illness) improve over time. A review costs nothing and ensures your cover is still fit for purpose.
Why use a broker like WeCovr instead of going direct to an insurer? Going direct gives you one price from one company. Using a comparison site gives you a list of prices but no advice. Using an expert broker like WeCovr gives you access to the whole market, plus expert advice on which policy is right for you and why. We handle the paperwork and provide ongoing support, all for no extra cost.
Conclusion: Your Health and Wealth Are Intertwined
The UK's 2025 metabolic health crisis is the defining public health and personal finance challenge of our generation. It is a silent epidemic, quietly eroding our nation's health and threatening the financial security of millions of families.
The first line of defence is, and always will be, personal responsibility for our health. Eating better, moving more, and managing stress are the most powerful investments you can make.
But hope is not a strategy. In a world of increasing uncertainty, a robust financial shield is not a "nice-to-have" – it is an absolute necessity. A comprehensive plan of Life Insurance, Critical Illness Cover, and Income Protection is the only way to guarantee that a health crisis does not automatically become a financial catastrophe for your family.
Don't let the silent epidemic of modern life derail your financial future. Take control today by reviewing your health and, just as importantly, your financial protection. Your family's future depends on it.
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!