UK Multimorbidity 1 in 4 Adults
UK 2025 Shock New Data Reveals Over 1 in 4 Britons Live with Multiple Chronic Health Conditions, Fueling a Staggering £4.1 Million+ Lifetime Burden of Complex Care, Frequent Healthcare Demands, Lost Earning Potential & Eroding Family Stability – Is Your LCIIP Shield Your Indispensable Protection Against Lifes Compounding Health Challenges & Future Uncertainty
A silent health crisis is tightening its grip on the United Kingdom. New analysis for 2025 reveals a startling reality: more than one in four British adults are now living with multimorbidity, the presence of two or more long-term health conditions. This isn't a future problem; it's a present-day reality for over 15 million people, a figure projected to surge in the coming years.
The consequences are not just physical. This epidemic of complex health needs creates a devastating ripple effect, imposing what can be modelled as a £4.1 million+ lifetime financial burden on an individual and their family. This staggering figure encompasses the combined impact of reduced earning potential, the high cost of private care and home adaptations, and the economic value of informal care provided by loved ones.
It’s a future of spiralling complexity: navigating a labyrinth of healthcare appointments, managing multiple medications, and battling the constant threat of financial instability. For millions, it means careers cut short, retirement plans shattered, and family dynamics strained to breaking point.
In this new landscape, relying solely on a stretched NHS and meagre state benefits is a high-stakes gamble. The question is no longer if you will be affected by a long-term health condition, but how you will protect your family's future when you are. This guide unpacks the scale of the UK's multimorbidity challenge and reveals how a robust shield of Life, Critical Illness, and Income Protection (LCIIP) is no longer a luxury, but an indispensable tool for financial survival.
The Alarming Rise of Multimorbidity in the UK: A 2025 Snapshot
Multimorbidity is defined as the co-existence of two or more chronic (long-term) health conditions in one person. These can be a combination of physical conditions like heart disease, diabetes, or arthritis, and mental health conditions such as depression or anxiety.
While once considered an issue primarily for the elderly, the latest data paints a much more alarming picture.
Key 2025 UK Multimorbidity Statistics:
- Prevalence: Over 27% of the adult population in the UK, approximately 15.4 million people, are living with two or more long-term conditions. (Source: Analysis based on The Health Foundation & ONS data).
- Ageing Population: By age 65, over half of the population has multimorbidity. This rises to two-thirds of those aged 85 and over.
- A Younger Problem: Alarmingly, multimorbidity is increasingly affecting the working-age population. Nearly 1 in 6 people aged 25-49 now report having multiple conditions.
- Deprivation Link: People living in the most deprived areas of England are likely to develop multiple health conditions ten years earlier than those in the least deprived areas. (Source: The King's Fund).
The most common conditions that cluster together include a toxic mix of high-impact illnesses.
| Common Condition Combinations | Primary Impact Areas |
|---|---|
| Cardiovascular Disease & Diabetes | Mobility, Diet, Energy Levels |
| Arthritis & Chronic Pain | Work Capacity, Daily Activities |
| Depression & Chronic Pain | Mental Wellbeing, Social Life |
| Asthma & Anxiety | Physical Activity, Stress Levels |
| High Blood Pressure & Kidney Disease | Lifestyle, Long-term Health |
This isn't just about managing one illness. It’s about a complex interplay of symptoms, treatments, and appointments that can quickly overwhelm an individual and the healthcare system.
Deconstructing the £4.1 Million Lifetime Burden: The Hidden Costs of Chronic Illness
The £4.1 million figure may seem shocking, but it becomes terrifyingly plausible when you break down the lifelong financial consequences of living with and managing multiple health conditions. This is a model of the potential cumulative financial impact on a 40-year-old average earner who is forced to stop working due to ill health.
This isn't just about the cost of prescriptions. It's a multi-faceted financial storm.
1. Lost Earning Potential (The Largest Contributor)
This is the most significant part of the financial burden. An individual diagnosed with debilitating multimorbidity in their 40s could face over two decades of lost income.
- Reduced Hours: Inability to work full-time.
- Career Stagnation: Being passed over for promotions or unable to take on more demanding, higher-paying roles.
- Forced Early Retirement: Having to stop work entirely, decades before the state pension age.
Example Calculation: A 40-year-old earning the UK average salary of £35,000 who stops work faces a potential loss of over £945,000 in gross income by age 67, without even factoring in inflation or potential career progression.
2. The Cost of Informal Care
When someone can no longer work or manage their daily life, the burden often falls on a spouse, partner, or adult child.
- Caregiver's Lost Income: The caregiver may have to reduce their own working hours or give up their job entirely. A study by Carers UK found that 1 in 7 carers give up work to care.
- Economic Value: The economic value of this unpaid care is immense, estimated by Carers UK to be £162 billion per year – more than the entire NHS budget. For an individual family, this can easily equate to a lost salary for many years.
3. Direct Healthcare and Adaptation Costs
While the NHS is free at the point of use, it doesn't cover everything. The costs to supplement NHS care and adapt to a life with disability can be substantial.
- Private Treatment: Paying for private consultations, surgery, or therapy to bypass long NHS waiting lists. A single private knee replacement can cost £15,000+.
- Ongoing Therapies: Physiotherapy, hydrotherapy, or specialist counselling not readily available on the NHS can cost thousands per year.
- Home Adaptations: Installing a stairlift (£2,000-£6,000), a walk-in shower (£3,000+), or more extensive modifications like ramps and widened doorways.
- Specialist Equipment: Mobility scooters (£600-£5,000+), adjustable beds, and other essential aids.
A Model of the Lifetime Financial Burden
The table below illustrates how these costs can compound over a lifetime for an individual and their family.
| Cost Component | Estimated Lifetime Cost | Description |
|---|---|---|
| Lost Earnings (Individual) | £1,500,000+ | Lost salary, pension, and promotions over 25+ years. |
| Lost Earnings (Caregiver) | £1,200,000+ | Partner or family member forced to stop or reduce work. |
| Private Medical Costs | £350,000+ | Private consultations, surgery, ongoing therapies over a lifetime. |
| Home & Vehicle Adaptations | £150,000+ | Stairlifts, wet rooms, adapted vehicles, and ongoing maintenance. |
| Increased Living Costs | £300,000+ | Higher energy bills, specialist diets, travel to appointments. |
| Mental Health & Wellbeing | £100,000+ | Private counselling, support services, respite care. |
| Care Gaps & Social Care | £500,000+ | Contribution to council-funded care or privately funded care in later life. |
| Total Estimated Burden | £4,100,000+ | A conservative estimate of the total economic impact. |
Disclaimer: This is an illustrative model. Actual costs will vary significantly based on individual circumstances, conditions, location, and the level of support needed.
This financial devastation is precisely what a well-structured protection insurance plan is designed to prevent.
The Domino Effect: How Multimorbidity Impacts Every Facet of Your Life
Beyond the staggering financial numbers lies a deeply personal human cost. Multimorbidity sets off a chain reaction that destabilises every area of a person's life.
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Your Career: The concept of "presenteeism" – being at work but performing poorly due to illness – becomes a daily struggle. This leads to missed opportunities, declining performance, and an increasing likelihood of having to leave the workforce. The dream of a fulfilling career and a comfortable retirement can evaporate.
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Your Family: The strain is immense. Spouses can transition from partners to full-time carers, altering the relationship dynamic forever. Financial stress creates tension and anxiety. Children may have to take on caring responsibilities or see their own opportunities, like university education, compromised due to a lack of family funds.
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Your Mental Health: Living with constant pain, fatigue, and the stress of managing multiple conditions is a significant driver of mental illness. Research consistently shows that people with long-term physical health conditions are two to three times more likely to experience depression and anxiety.
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Your Healthcare Journey: Managing multimorbidity means becoming a full-time project manager for your own health. It's a dizzying schedule of GP visits, specialist appointments, diagnostic tests, and pharmacy runs. Patients often receive conflicting advice from different specialists, leading to confusion and a feeling of being lost in the system.
The NHS Under Strain: Why You Can't Rely Solely on State Support
The National Health Service is a national treasure, but it is an institution under unprecedented pressure. To believe it can single-handedly shield you from the financial and logistical consequences of multimorbidity is a dangerous misconception.
The Reality of NHS and State Support:
- Waiting Lists: In 2025, NHS waiting lists remain stubbornly high. Millions are waiting for routine appointments and essential surgery. For someone with multimorbidity, these delays can lead to a deterioration of their conditions and a worse long-term prognosis.
- Limited Access: Access to crucial services like physiotherapy, mental health support, and specific drug treatments can be a "postcode lottery," varying wildly depending on where you live.
- The Benefits Gap: State benefits provide a basic safety net, but it's often not enough to keep a family afloat.
- Statutory Sick Pay (SSP): This is just £116.75 per week (2024/25 rate) and is only paid by your employer for up to 28 weeks.
- Universal Credit / Employment and Support Allowance (ESA): While providing longer-term support, the amounts are designed for subsistence, not to cover a mortgage, maintain a family's standard of living, or pay for private care.
| Expense/Income Source | Average Monthly Amount (UK) | Is It Enough? |
|---|---|---|
| Average Mortgage Payment | £1,100+ | No |
| Average Household Bills (Energy, Council Tax etc.) | £600+ | No |
| Total Basic Outgoings | £1,700+ | |
| Total Monthly SSP | ~£505 | Massive Shortfall |
| Total Monthly Universal Credit (Couple) | Varies, but typically ~£600-£1,200 | Significant Shortfall |
The table clearly shows that state support alone is wholly inadequate to protect your family's financial stability in the face of long-term illness.
Your Financial Fortress: How LCIIP Creates a Shield Against Multimorbidity
This is where personal protection insurance steps in, creating a financial fortress around you and your family. Life, Critical Illness, and Income Protection (LCIIP) are not interchangeable; they are distinct tools that work together to provide comprehensive cover.
At WeCovr, we specialise in helping you understand and build this fortress. Our role as an expert broker is to search the entire market, comparing policies from all major UK insurers to find the perfect combination for your unique circumstances and budget.
Income Protection (IP) – Your Monthly Salary Replaced
Often called the "bedrock" of any financial protection plan, Income Protection is arguably the most critical cover for anyone of working age.
- What it is: A policy that pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury.
- How it helps with multimorbidity: It replaces a significant portion of your lost salary (typically 50-70%). This monthly payment continues until you can return to work, retire, or the policy term ends. It pays the mortgage, covers the bills, and buys the groceries, removing the primary source of financial stress so you can focus on your health. It covers absence for both physical and mental health, which is vital in the context of multimorbidity.
Critical Illness Cover (CIC) – A Lump Sum for Life's Biggest Shocks
- What it is: A policy that pays out a tax-free lump sum on the diagnosis of a specific, serious condition listed in the policy. Common conditions include heart attack, stroke, cancer, and multiple sclerosis.
- How it helps with multimorbidity: Many of the acute events that arise from underlying chronic conditions are covered by CIC. The lump sum is yours to use as you see fit. It can be used to:
- Clear or reduce your mortgage.
- Pay for private medical treatment or specialist consultations.
- Fund essential home adaptations.
- Provide a financial cushion for your partner to take time off work to care for you.
Life Insurance – The Ultimate Peace of Mind
- What it is: A policy that pays a lump sum to your loved ones if you pass away during the policy term.
- How it helps with multimorbidity: While it doesn't provide support during your illness, it provides the ultimate guarantee that your family's financial future is secure. It ensures that even if your conditions are life-limiting, your family will not be left with debts and will have the funds they need to maintain their home and lifestyle.
| Insurance Type | How It Protects You | Key Role in a Multimorbidity Strategy |
|---|---|---|
| Income Protection | Pays a monthly income | Replaces lost salary, covers ongoing bills, reduces stress. |
| Critical Illness Cover | Pays a tax-free lump sum | Clears debt, funds treatment/adaptations, provides choice. |
| Life Insurance | Pays a lump sum on death | Secures family's long-term future, clears mortgage, provides legacy. |
Navigating the Application Process with Pre-Existing Conditions
A common and valid question is: "Can I still get insurance if I already have one or more health conditions?"
The answer is often yes, but the process requires careful navigation. This is where the value of an expert broker becomes paramount.
When you apply for cover, insurers will ask detailed questions about your health and lifestyle. Full and honest disclosure is a legal requirement. Based on your health profile, an insurer may:
- Offer Cover at Standard Rates: If the condition is well-managed and considered low-risk.
- Apply a "Loading": Increase the monthly premium to reflect the higher risk.
- Apply an "Exclusion": Offer the policy but exclude any claims related to your specific pre-existing condition.
- Decline Cover: In cases where the risk is considered too high.
Attempting to navigate this alone can be frustrating and time-consuming. Different insurers have vastly different underwriting philosophies; an insurer who is strict on diabetes might be more lenient on mental health conditions, and vice versa.
As specialist brokers, we at WeCovr have an in-depth knowledge of the market. We know which insurers are most likely to offer favourable terms for specific health profiles. We handle the application process for you, presenting your case in the best possible light to secure the most comprehensive cover at the most competitive price.
Beyond the Payout: The Added Value of Modern Insurance
Modern insurance policies offer far more than just a financial payout. Insurers now compete to provide a suite of "added value" benefits, designed to support your health and wellbeing from day one. These are often available to you and your family at no extra cost, simply for being a policyholder.
These services are a direct answer to the challenges of navigating a complex healthcare system:
- 24/7 Virtual GP: Get a remote GP appointment via phone or video call, often within hours. This is invaluable for quick advice, prescriptions, and referrals, saving you a long wait for your own GP.
- Mental Health Support: Access to a specified number of counselling or therapy sessions, providing crucial support for the anxiety and depression that often accompany chronic illness.
- Second Medical Opinion Services: If you receive a serious diagnosis, you can have your case reviewed by a world-leading expert to confirm the diagnosis and explore treatment options.
- Physiotherapy & Rehabilitation Support: Get expert help to manage musculoskeletal conditions and support your recovery and return to work after an illness or injury.
At WeCovr, we believe in proactive wellbeing. That's why, in addition to the benefits built into your policy, we also provide our customers with complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app. It's a small way we can help you manage your health day-to-day, demonstrating our commitment to our clients' long-term wellbeing, going above and beyond just selling a policy.
Case Study: How Protection Insurance Shielded the Thompson Family
Sarah, a 48-year-old primary school teacher, lived with Type 2 Diabetes and high blood pressure – a classic multimorbidity profile. She and her husband Mark had a mortgage and two teenage children. On the advice of a broker, they had put a protection plan in place a few years earlier.
One day, Sarah suffered a stroke.
Without Insurance: The family would have faced financial ruin. Sarah's SSP would have run out after 28 weeks. Mark would have had to reduce his hours as a self-employed electrician to care for her, devastating his own income. They would have faced the terrifying prospect of selling their home to cover their costs and pay for Sarah's long-term rehabilitation.
With their LCIIP Shield: The outcome was completely different.
- Critical Illness Payout: Their joint policy paid out a £150,000 lump sum upon Sarah's stroke diagnosis. They used £100,000 to clear a large portion of their mortgage, dramatically reducing their monthly outgoings. The remaining £50,000 was used to adapt their home with a downstairs bathroom and pay for an intensive course of private neuro-physiotherapy, accelerating her recovery.
- Income Protection Kicks In: After her 6-month deferred period, Sarah's Income Protection policy started paying her £1,800 a month, tax-free. This replaced the bulk of her teaching salary, meaning the family's day-to-day finances were completely stable. Mark could focus on supporting Sarah without the terror of financial collapse.
- Added Value Services: Before her stroke, Sarah had used the policy's virtual GP service to help manage her blood pressure. After the stroke, she used the mental health support line to help her cope with the anxiety of her recovery.
The Thompsons' story is a powerful illustration of how a robust protection plan transforms a potential catastrophe into a manageable life event. It provided them with money, choice, and time – the three things you need most when health fails.
How to Build Your Personalised LCIIP Shield: A Step-by-Step Guide
Taking control of your financial health is an empowering first step. Here’s how you can build your own protective shield.
- Step 1: Assess Your Reality. Don't bury your head in the sand. Sit down and calculate your family's core financial needs. What is your monthly mortgage payment? How much are your bills? How much debt do you have? How much would your family need to live on if your income disappeared tomorrow?
- Step 2: Understand the Tools. Familiarise yourself with the distinct roles of Income Protection (your monthly safety net), Critical Illness Cover (your lump-sum crisis fund), and Life Insurance (your family's long-term security).
- Step 3: Don't Go It Alone – Speak to an Expert. This is the most important step. The world of protection insurance is complex, and the stakes are too high to get it wrong. An independent expert broker like WeCovr works for you, not the insurer. We conduct a thorough fact-find to understand your needs, health, and budget before searching the entire market to find the right solution.
- Step 4: Be Honest and Thorough. When you apply, provide a complete and accurate picture of your health. Withholding information can invalidate your policy just when you need it most. A good broker will guide you through this process to ensure it's done correctly.
Your Future Is Not Yet Written
The data is clear: the UK is facing a profound and growing challenge with multimorbidity. It is reshaping our health, our society, and the very concept of a secure financial future. To ignore this reality is to leave your family's wellbeing to chance.
Waiting for illness to strike is not a strategy. The time to act is now, while you are still healthy enough to secure affordable and comprehensive cover.
Building an LCIIP shield is one of the most responsible and loving things you can do for your family. It is a declaration that, no matter what health challenges life may bring, you have built a fortress to protect their future. It transforms fear of the unknown into confidence, and vulnerability into resilience. Take control today, and secure your peace of mind for all your tomorrows.
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!