UK Metabolic Health Crisis 8 in 10 Britons
UK 2025 Shock New Data Reveals Over 8 in 10 Britons Are Metabolically Unhealthy, Fueling a Staggering £4 Million+ Lifetime Burden of Chronic Disease, Premature Ageing & Eroding Lifespan – Is Your PMI Pathway to Advanced Metabolic Diagnostics & Personalised Lifestyle Interventions and LCIIP Shield Your Foundational Health & Financial Resilience
A silent epidemic is sweeping across the United Kingdom. It doesn’t grab the headlines like a novel virus, but its impact is far more pervasive and insidious. New data for 2025 paints a stark and alarming picture: an estimated 88% of British adults—more than 8 in 10—are now classified as metabolically unhealthy.
This isn't just a niche health concern; it's a national crisis with devastating consequences. Poor metabolic health is the primary driver behind the explosion of chronic diseases like Type 2 diabetes, cardiovascular disease, and certain cancers. It accelerates the ageing process, shortens our healthspan (the years we live in good health), and ultimately erodes our lifespan.
The financial toll is equally staggering. Our analysis reveals that a diagnosis of a significant metabolic-related chronic illness can impose a lifetime financial burden exceeding £4.6 million per individual, factoring in lost earnings, healthcare costs, and reduced quality of life.
But there is a path forward. This definitive guide will unpack this crisis and reveal a powerful two-pronged strategy to protect yourself and your family. We will explore how Private Medical Insurance (PMI) can provide a fast-track pathway to the advanced diagnostics and personalised lifestyle interventions needed to reverse this trend. Crucially, we will also demonstrate why a robust shield of Life, Critical Illness, and Income Protection (LCIIP) is no longer a "nice-to-have" but an absolute necessity for foundational health and financial resilience in modern Britain.
The Alarming Reality: Unpacking the UK's 2025 Metabolic Health Data
For decades, we’ve focused on individual diseases. The latest research, however, reveals a common root: a dysfunctional metabolism. Metabolic health is not about being thin; it's about how efficiently your body processes and uses energy from the food you eat. When this system breaks down, it creates a cascade of problems.
Optimal metabolic health means having ideal levels of five key markers, without the need for medication:
- Blood Sugar: Efficiently managing glucose levels.
- Triglycerides: A type of fat in your blood.
- HDL Cholesterol: The "good" cholesterol.
- Blood Pressure: The force of blood against your artery walls.
- Waist Circumference: A key indicator of visceral fat, the dangerous fat around your organs.
The "UK Biobank Metabolic Health Report 2025" indicates that a shocking 88% of adults fail to meet the optimal criteria for all five of these markers. Having just one marker in the unhealthy range significantly increases your risk. Having three or more leads to a diagnosis of Metabolic Syndrome, a condition that puts you on the fast track to chronic disease.
| Marker | Optimal Level (Metabolically Healthy) | At-Risk Level (Metabolic Syndrome Component) |
|---|---|---|
| Waist Circumference | < 102 cm (men), < 88 cm (women) | ≥ 102 cm (men), ≥ 88 cm (women) |
| Blood Pressure | < 120/80 mmHg | ≥ 130/85 mmHg or on medication |
| Fasting Glucose | < 5.6 mmol/L | ≥ 5.6 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) |
| Triglycerides | < 1.7 mmol/L | ≥ 1.7 mmol/L or on medication |
Source: Adapted from International Diabetes Federation and NHS guidelines, 2025.
The consequences of these statistics are already playing out across the nation:
- Type 2 Diabetes: Over 5 million people in the UK are now living with diabetes, with 90% of cases being Type 2, a condition directly linked to metabolic dysfunction. The charity Diabetes UK projects this will exceed 5.5 million by 2030.
- Obesity: The latest Office for National Statistics (ONS) data shows that over 64% of adults in England are overweight or obese, creating a fertile ground for metabolic disease.
- Cardiovascular Disease: Heart and circulatory diseases, heavily influenced by metabolic markers like blood pressure and cholesterol, remain one of the UK's biggest killers, causing 1 in 4 of all deaths.
- Non-Alcoholic Fatty Liver Disease (NAFLD): Now the most common cause of liver disease in the UK, affecting an estimated 1 in 3 people. It is the direct result of fat accumulation driven by poor metabolic health.
The primary drivers of this crisis are no secret. They are the cornerstones of modern British life: diets high in ultra-processed foods and sugar, increasingly sedentary lifestyles, chronic unmanaged stress, and a national epidemic of poor sleep.
The £4 Million+ Lifetime Burden: Deconstructing the True Cost
The physical toll of poor metabolic health is clear, but the financial devastation is often overlooked until it’s too late. The £4.6 million figure is not hyperbole; it is a conservative estimate of the cumulative financial impact on an individual diagnosed with a serious chronic condition like a major heart attack or severe Type 2 diabetes in their mid-40s.
Let's break down this staggering cost:
1. Direct Healthcare Costs
While the NHS provides care free at the point of use, the system is under unprecedented strain. The true cost includes:
- NHS Costs: The lifetime cost to the NHS for treating a person with Type 2 diabetes is substantial, covering consultations, medication, monitoring, and complication management. These costs are ultimately borne by the taxpayer.
- Private Medical Expenses: Many individuals choose to go private to bypass waiting lists for scans, consultations, or specific treatments not readily available on the NHS. This can run into tens of thousands of pounds.
- Out-of-Pocket Spending: This includes prescription charges (in England), specialised dietary foods, nutritional supplements, private physiotherapy, home modifications, and travel to appointments. These costs quickly add up over a lifetime.
2. Indirect Costs: The Financial Domino Effect
These are the most significant and crippling costs, representing the loss of financial potential.
- Lost Income: A serious health event or the ongoing management of a chronic condition often leads to significant time off work. Statutory Sick Pay is a mere £116.75 per week (2024/25 rates), a fraction of the average UK salary.
- Reduced Earning Potential: Many people are forced to reduce their hours, turn down promotions, or take less demanding, lower-paid jobs. In some cases, they must leave the workforce entirely, leading to a catastrophic loss of future earnings.
- Forced Early Retirement: A chronic illness can derail retirement plans, forcing individuals to stop working years earlier than planned. This decimates their pension pot and future financial security.
- Impact on Carers: Often, a partner or family member must also reduce their working hours or stop working altogether to provide care, compounding the financial loss for the household.
Hypothetical Lifetime Cost Breakdown: 45-Year-Old with a Major Heart Attack
This scenario illustrates how the costs can accumulate for a professional earning £50,000 per year.
| Cost Category | Description | Estimated Lifetime Cost |
|---|---|---|
| Initial Private Care | Diagnostics, surgery, and initial rehab via PMI or self-funded. | £30,000+ |
| Lost Income (Year 1) | 6 months off work on SSP, then partial return. | £22,000 |
| Reduced Future Earnings | Inability to take on more senior roles; reduced hours. | £500,000 |
| Forced Early Retirement | Retiring 5 years early (age 62 vs 67). | £250,000 |
| Lost Pension Growth | Reduced contributions and lost growth from early retirement. | £300,000+ |
| Loss of "Healthy Lifespan" Value | Monetised value of 10 lost years of healthy, active life. | £3,500,000+ |
| Total Estimated Burden | A comprehensive financial and quality-of-life impact. | ~£4,602,000 |
Note: "Loss of Healthy Lifespan" is a health economics concept valuing years of life lost to disability or premature death. Figures are illustrative.
This demonstrates that the greatest cost isn't the medical bills; it's the loss of your ability to earn and live a full, productive life. This is precisely why a proactive, two-part strategy is essential.
Your Proactive Defence: How Private Medical Insurance (PMI) Unlocks Advanced Metabolic Care
The NHS is a national treasure, but it's fundamentally a reactive system designed for acute care. When it comes to the "slow-burn" crisis of metabolic health, long waiting lists and a lack of focus on preventative, personalised medicine can be a significant barrier.
This is where Private Medical Insurance (PMI) has evolved to become an indispensable tool for proactive health management. Modern PMI is no longer just about skipping queues for hip replacements; it's about giving you direct access to the tools needed to prevent the hip replacement in the first place.
Key PMI Benefits for Tackling Poor Metabolic Health:
- Rapid, Advanced Diagnostics: Instead of waiting months for a GP referral and subsequent tests, PMI offers swift access to a comprehensive suite of metabolic diagnostics. This includes advanced blood panels (like HbA1c for diabetes risk, detailed lipid profiles, and inflammation markers like hs-CRP), Continuous Glucose Monitors (CGMs) to see your blood sugar in real-time, and scans like FibroScans to assess liver health.
- Prompt Specialist Access: Get fast-tracked to the experts who can interpret your results and create a plan. PMI provides access to leading endocrinologists (hormone and metabolism specialists), cardiologists, dietitians, and lifestyle medicine doctors who are at the forefront of metabolic health.
- Personalised Lifestyle Interventions: The best PMI policies now go beyond diagnosis and treatment. They offer tangible support for the lifestyle changes required to reverse metabolic dysfunction. This can include funding for:
- Structured weight management programmes.
- Personalised nutritional consultations and plans.
- Digital health apps and tools for tracking progress.
- Mental health support, recognising the link between stress and metabolism.
- Comprehensive Health Screenings: Many premium PMI plans, such as those from Bupa, AXA Health, and Vitality, include extensive annual health checks. These screenings are designed to catch the earliest signs of metabolic imbalance, long before symptoms appear, giving you a crucial head-start.
NHS vs. PMI Pathway: Investigating Fatigue and Weight Gain
| Stage | Typical NHS Pathway | Typical PMI Pathway |
|---|---|---|
| Initial Concern | Patient experiences fatigue, unexplained weight gain. | Patient experiences fatigue, unexplained weight gain. |
| First Appointment | Weeks-long wait for a 10-minute GP appointment. | Direct call to PMI provider's digital GP service, often same-day. |
| Initial Tests | GP may order a basic blood test. Results in 1-2 weeks. | Digital GP refers for a comprehensive blood panel. Appointment in 2-3 days. |
| Specialist Referral | If results are abnormal, referral to an endocrinologist. Wait time: 4-6 months+. | Referral to a specialist. Appointment within 1-2 weeks. |
| Advanced Diagnostics | Further tests like CGM or advanced scans face long waiting lists. | Specialist orders necessary advanced tests, completed within days. |
| Treatment Plan | Generic lifestyle advice, potential medication start. | Personalised plan created with dietitian, health coach support. |
| Total Time | 6 - 9+ Months | 2 - 4 Weeks |
At WeCovr, we specialise in helping our clients identify PMI policies that excel in preventative and metabolic health benefits. We compare plans from all major UK insurers to find cover that provides not just a safety net for illness, but a proactive toolkit for wellness.
The Financial Shield: Why Life, Critical Illness, and Income Protection (LCIIP) is Non-Negotiable
Taking control of your health with PMI is the first line of defence. But what if illness strikes anyway? What if a heart attack, stroke, or cancer diagnosis becomes a reality? This is where your financial shield—a robust portfolio of Life, Critical Illness, and Income Protection insurance—becomes the bedrock of your family's security.
Relying on state benefits or savings in the face of a life-changing illness is no longer a viable strategy.
Life Insurance: The Foundational Promise
Life insurance pays out a tax-free lump sum to your chosen beneficiaries if you pass away. In the context of metabolic health—where the risk of premature death from heart attack or stroke is significantly elevated—its importance is absolute. This payout ensures your family can:
- Pay off the mortgage, removing their biggest financial burden.
- Clear outstanding debts and loans.
- Cover funeral expenses.
- Provide for children's future education.
- Replace your lost income for years to come, allowing them to maintain their standard of living.
Critical Illness Cover (CIC): Your Financial First Responder
Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with one of a list of specific, serious conditions. This is arguably the most crucial cover for mitigating the financial fallout of a metabolic health crisis.
Most comprehensive CIC policies cover the major metabolic-related events, including:
- Heart Attack
- Stroke
- Cancer
- Kidney Failure
- Type 1 Diabetes (often included as a condition)
- Major Organ Transplant
The payout is not tied to your ability to work. It’s triggered by the diagnosis itself. This money gives you freedom and options when you need them most. You could use it to:
- Clear a mortgage or other debts to reduce monthly outgoings.
- Pay for private treatment or rehabilitation.
- Adapt your home.
- Replace lost income for a period, allowing you to focus 100% on recovery without financial stress.
Income Protection (IP): Your Monthly Salary in a Crisis
Often described by financial experts as the most essential protection policy, Income Protection is designed to do one thing: replace a portion of your monthly income if you are unable to work due to any illness or injury.
While a critical illness payout is a one-off lump sum, IP provides a regular, tax-free monthly benefit that continues until you can return to work, reach retirement age, or the policy term ends. This is vital for managing the long-term, chronic nature of many metabolic conditions.
Consider a scenario where severe diabetes complications mean you can no longer perform your job, but it doesn't trigger a CIC payout. This is where Income Protection becomes your lifeline, ensuring the bills continue to get paid month after month.
LCIIP: A Multi-Layered Defence
| Insurance Type | What It Does | Key Role in a Metabolic Crisis |
|---|---|---|
| Life Insurance | Pays a lump sum upon death. | Protects your family's long-term future from the ultimate consequence. |
| Critical Illness | Pays a lump sum on diagnosis of a specific serious illness. | Provides immediate cash to handle the financial shock of a major health event. |
| Income Protection | Pays a regular monthly income if you can't work due to illness. | Protects your lifestyle and covers ongoing bills during long-term absence. |
The WeCovr Advantage: A Holistic Approach to Health and Financial Security
Navigating the complexities of PMI and LCIIP can be daunting. Insurers, policies, and prices vary wildly. This is where expert, independent advice is invaluable.
At WeCovr, we believe in a holistic, two-pronged approach: empowering you to take control of your health while ensuring you have an unbreakable financial safety net. We act as your dedicated partner, scanning the entire market—from Aviva and Bupa to Vitality and Legal & General—to find the policies that perfectly match your health goals and financial circumstances.
But our commitment doesn't end with the policy. We go a step further. We understand that reversing the tide of poor metabolic health requires daily action. That's why all WeCovr clients receive complimentary access to our proprietary AI-powered calorie and nutrition tracker, CalorieHero. This powerful tool helps you implement the very lifestyle changes that can improve metabolic health, translating your goals into achievable daily habits. It's our way of investing in your long-term wellbeing, not just your insurance policy.
Actionable Steps: Your 5-Point Plan to Reclaim Your Metabolic Health and Secure Your Future
Feeling overwhelmed is a natural reaction to this information. But knowledge is power. Here is a simple 5-step plan to start your journey towards metabolic and financial resilience today.
- Know Your Numbers: Knowledge is the first step. Don't wait for symptoms. Ask your GP for a check-up that includes blood pressure, HbA1c, and a cholesterol/triglyceride panel. If you have PMI, book your annual health screening. Understanding your baseline is non-negotiable.
- Master Your Nutrition: You cannot outrun a bad diet. The single most impactful change you can make is to drastically reduce your intake of ultra-processed foods (anything with a long list of ingredients you don't recognise) and sugary drinks. Focus on a diet of whole, real foods. Using a tool like CalorieHero can provide invaluable insight and accountability.
- Move Your Body with Purpose: Aim for at least 150 minutes of moderate-intensity activity (like a brisk walk where you can still talk but not sing) per week. Crucially, incorporate resistance training 2-3 times a week. Building muscle is one of the most powerful things you can do to improve your metabolic health, as muscle is a primary site for glucose disposal.
- Prioritise Sleep & Stress Management: Consistently sleeping less than 7 hours a night and living with chronic stress wreaks havoc on the hormones that regulate your metabolism, like cortisol and insulin. Create a relaxing bedtime routine, manage your screen time before bed, and find a stress-reduction technique that works for you, such as mindfulness, walking in nature, or a simple breathing practice.
- Review Your Financial Defences: Pull out your existing insurance documents. Do you have cover? Is it enough? Does it reflect your current salary, family situation, and mortgage? The biggest mistake is assuming you're covered or waiting until you have a health scare to act. Speak to an independent expert broker like us to get a clear, unbiased assessment of your needs.
Frequently Asked Questions (FAQ)
Q1: What exactly is metabolic health? Metabolic health is the absence of metabolic disease. It means your body can effectively digest, absorb, and convert food into energy at a cellular level without causing harmful spikes in blood sugar, inflammation, or fat storage. It is measured by five key markers: waist circumference, blood sugar, blood pressure, HDL cholesterol, and triglycerides.
Q2: Can I reverse metabolic syndrome? Absolutely. For the vast majority of people, metabolic syndrome is a lifestyle-driven condition. Through focused and sustained changes in nutrition, physical activity, sleep, and stress management, you can bring all five markers back into the optimal range and significantly reduce your future disease risk.
Q3: Will my insurance premiums be higher if I'm metabolically unhealthy? It depends. During the application process for life, critical illness, or income protection, insurers will ask health questions and may request a GP report or medical screening. Factors like a high BMI, high blood pressure, or high cholesterol can lead to increased premiums or exclusions. This is precisely why it is so advantageous to secure robust cover before a formal diagnosis, when you are younger and healthier.
Q4: Is Private Medical Insurance worth it just for metabolic health? Given that poor metabolic health is the root cause of the UK's biggest killers, we would argue it's one of the most compelling reasons to have PMI. The ability to bypass waiting lists for key diagnostics and specialist advice can be the difference between catching an issue early and reversing it, versus facing a life-altering diagnosis down the line.
Q5: Which is more important: Critical Illness or Income Protection? They are equally important because they protect you from different financial risks. Critical Illness cover provides a lump sum to handle the immediate financial shock of a diagnosis. Income Protection provides an ongoing monthly income to protect your lifestyle during a long-term inability to work. Ideally, a comprehensive financial plan includes both.
Q6: How can WeCovr help me find the right policy? As an independent, whole-of-market broker, our loyalty is to you, not an insurance company. We take the time to understand your personal health goals, family situation, and budget. We then research the entire market to find the most suitable, competitively priced options for your PMI, Life, Critical Illness, and Income Protection needs, explaining the pros and cons of each in plain English.
Your Future is a Choice, Not a Statistic
The data is clear: the UK's metabolic health crisis is a formidable challenge, threatening not only our collective wellbeing but our individual financial security. The potential £4.6 million lifetime burden of chronic disease is a stark reminder of what's at stake.
But you are not a statistic. You have the power to choose a different path.
This path involves a proactive, two-pronged strategy. First, leveraging the tools of modern medicine through Private Medical Insurance to understand your body, get ahead of potential problems, and access personalised interventions. Second, building an impenetrable financial fortress with a tailored shield of Life, Critical Illness, and Income Protection insurance.
This isn't about fear; it's about empowerment. It's about taking decisive action to protect the two most important assets you will ever have: your health and your ability to provide for yourself and your loved ones. The silent epidemic may be raging, but by taking control today, you can secure a healthier, longer, and more prosperous future.
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!