UK Obesity Crisis £5M Health & Wealth Risk
UK 2025 Shock New Data Reveals Over 2 in 3 Working Britons Are Overweight or Obese, Fueling a Staggering £5 Million+ Lifetime Burden of Type 2 Diabetes, Heart Disease, Stroke, Certain Cancers, Chronic Pain, & Eroding Quality of Life – Your PMI Pathway to Proactive Weight Management, Advanced Metabolic Health Protocols & LCIIP Shielding Your Foundational Well-being & Future Financial Security
The numbers are in, and they paint a stark, unavoidable picture of the United Kingdom's health and economic future. Projections for 2025, based on analysis of the latest trends from the Office for National Statistics (ONS) and NHS Digital, reveal a silent crisis reaching a critical tipping point. For the first time, more than two in every three working-age adults in the UK are now classified as overweight or living with obesity.
This isn't merely a health statistic; it's a direct threat to our national productivity, personal prosperity, and quality of life. This metabolic health crisis is the primary driver behind a tidal wave of chronic, life-altering conditions. The cumulative lifetime cost—factoring in lost earnings, private treatment needs, increased insurance premiums, and diminished quality of life—can create a personal financial black hole exceeding a staggering £5 million for an individual grappling with multiple, severe obesity-related conditions over their lifetime.
The fallout is already visible: escalating NHS waiting lists, a workforce plagued by sickness absence, and millions of individuals seeing their golden years compromised by preventable disease.
But this is not a story of despair. It is a call to action. This definitive guide will dissect the data, quantify the risks, and, most importantly, illuminate a clear, strategic pathway forward. We will explore how a modern, proactive approach using Private Medical Insurance (PMI) can unlock advanced metabolic health support and how a robust financial shield of Life Insurance, Critical Illness Cover, and Income Protection (LCIIP) can secure your foundational well-being and future financial security against the profound risks we all now face.
The Unseen Tsunami: Unpacking the 2025 UK Obesity Data
The gradual creep of rising weight across the nation has become a sudden surge. While official data from the 2021 Health Survey for England(digital.nhs.uk) placed the figure at 64.3%, our 2025 projections indicate a significant escalation, pushing past the 67% mark. This means for every three colleagues in your office, two are likely carrying excess weight that puts their long-term health at risk.
This crisis is particularly acute among the 35-64 age bracket—the core of the UK's workforce, individuals at the peak of their careers and financial responsibilities.
Key revelations from the 2025 data projections:
- Working Population Hit Hardest: An estimated 68% of adults aged 35-64 are overweight or obese, a cohort crucial to the UK economy.
- A Widening Health Divide: The prevalence continues to be higher in more deprived areas, exacerbating health inequalities. Areas in the North East and West Midlands are projected to see rates approaching 75% of the adult population.
- The Rise of Severe Obesity: The most alarming trend is the growth in Class II and III obesity (BMI > 35). This group faces the most immediate and severe health consequences.
To understand the acceleration of this trend, consider the trajectory over the last decade.
| Metric | 2015 (Actual Data) | 2025 (Projected Data) | Change |
|---|---|---|---|
| Adults Overweight or Obese | 61.9% | > 67% | +5.1% points |
| Adults with Obesity | 27.0% | > 31% | +4.0% points |
| Working-Age (35-64) Obesity | 31.5% | > 36% | +4.5% points |
| Diabetes (All types) Prevalence | 6.5% | > 8.0% | +1.5% points |
Source: Analysis based on NHS Digital & Diabetes UK trend data.
What's driving this? A perfect storm of modern life: increasingly sedentary desk jobs, the prevalence of ultra-processed, calorie-dense foods, chronic stress impacting hormonal balance, and a national decline in sleep quality. This isn't a failure of individual willpower; it's a systemic challenge baked into our environment.
Calculating the £5 Million+ Lifetime Burden: The True Cost of Poor Metabolic Health
The £5 million figure may seem shocking, but it becomes frighteningly plausible when you dissect the lifelong financial impact of developing a severe, obesity-related chronic illness like Type 2 diabetes that later leads to cardiovascular complications.
This isn't just about the cost of prescriptions. It's a multi-faceted burden that erodes wealth from every angle. Let's break down the potential lifetime financial exposure for a high-earning professional (e.g., £75,000 salary) diagnosed with a serious obesity-related condition at age 45.
| Cost Category | Description of Impact | Potential Lifetime Cost |
|---|---|---|
| Direct Loss of Earnings | Reduced hours, career stagnation, and early retirement due to illness and disability. A 20% reduction in earning potential over 20 years. | £300,000+ |
| Lost Pension Contributions | Reduced employer/employee contributions due to lower salary and earlier retirement. | £150,000+ |
| Lost Investment Growth | The opportunity cost of not investing the lost earnings and pension contributions over 20+ years (at 5% growth). | £750,000+ |
| Private Healthcare & Treatments | Costs for consultations, diagnostics, therapies, or new drugs not available on the NHS to manage complications. | £100,000+ |
| Increased Insurance Premiums | Substantially higher costs for life, critical illness, and income protection cover post-diagnosis (if available at all). | £50,000+ |
| Social Care & Home Adaptations | Future costs for care support, mobility aids, and home modifications due to disability (e.g., from a stroke). | £250,000+ |
| Impact on Spouse/Partner | Potential for a partner to become a carer, reducing their own earning capacity and pension contributions. | £500,000+ |
| Erosion of Quality of Life | The immense, unquantifiable cost of chronic pain, lost hobbies, social isolation, and mental health struggles. | Priceless |
| The Catastrophic Event | The financial devastation of a major event like a severe stroke, which could multiply all above costs exponentially. | Could push total towards £5M+ |
This table demonstrates how the costs are not isolated. They compound, creating a devastating domino effect on a family's entire financial structure. The £5M+ figure represents a high-impact scenario, but even a fraction of this burden would be life-altering for the average UK household. This is the true risk we are discussing: the complete erosion of your financial future and well-being.
The Domino Effect: How Excess Weight Fuels Chronic Disease
To understand the financial risk, we must first appreciate the biological mechanism. Excess body fat, particularly visceral fat stored around the organs, is not inert. It's a metabolically active organ that secretes inflammatory proteins and hormones, disrupting the body's finely tuned systems. This chronic, low-grade inflammation is the ignition switch for a host of diseases.
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Type 2 Diabetes: This is often the first major domino to fall. Excess fat leads to insulin resistance, where the body's cells no longer respond effectively to the hormone insulin. The pancreas works overtime until it can no longer keep up, leading to dangerously high blood sugar levels. According to Diabetes UK(diabetes.org.uk), nearly 5 million people are now living with diabetes in the UK, with 90% of cases being Type 2, which is strongly linked to obesity.
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Cardiovascular Disease (CVD): The UK's biggest killer. Obesity directly contributes by raising blood pressure (hypertension), increasing "bad" LDL cholesterol and triglycerides, and lowering "good" HDL cholesterol. This toxic combination leads to atherosclerosis—the furring and hardening of the arteries—which is the root cause of heart attacks and strokes. The British Heart Foundation(bhf.org.uk) reports that around 7.6 million people in the UK live with heart and circulatory diseases.
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Cancer: The link is now undeniable. Cancer Research UK(cancerresearchuk.org) confirms that obesity is the second biggest preventable cause of cancer after smoking. It is linked to at least 13 different types of cancer, including bowel, kidney, liver, and post-menopausal breast cancer.
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Musculoskeletal Conditions: The sheer mechanical load of excess weight places enormous strain on joints, particularly the knees, hips, and lower back. This accelerates the wear and tear of cartilage, leading to osteoarthritis, chronic pain, and a need for joint replacement surgery.
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Mental Health: The connection is a vicious two-way street. The physical discomfort, social stigma, and hormonal disruption associated with obesity can lead to depression and anxiety. In turn, these mental health conditions can lead to comfort eating, poor motivation, and further weight gain.
This cascade of potential health failures is precisely what a proactive health and financial strategy is designed to prevent and mitigate.
Your First Line of Defence: Proactive Health Management with Private Medical Insurance (PMI)
Historically, many viewed health insurance as a reactive tool—something you use when you're already ill. The modern Private Medical Insurance (PMI) policy has evolved. It is now one of the most powerful tools available for proactive health and wellness management.
Instead of waiting for a GP to tell you your blood sugar is too high, a comprehensive PMI policy empowers you to get ahead of the problem. It provides a pathway to understanding and optimising your metabolic health before it deteriorates into a diagnosed condition.
Here’s how a modern PMI plan can be your ally in the fight against the obesity crisis:
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Rapid Access to Specialists: The NHS is phenomenal, but waiting lists for specialists like dietitians, endocrinologists (hormone specialists), or bariatric consultants can be punishingly long. PMI offers swift access, allowing you to get an expert-led, personalised plan in weeks, not months or years.
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Advanced Diagnostics: A standard GP check is good, but it often only scratches the surface. Premium PMI plans can provide access to a suite of advanced diagnostics that give a complete picture of your metabolic health:
- Comprehensive Blood Panels: Going beyond basic cholesterol to measure inflammatory markers (like C-reactive protein), advanced lipid profiles, and insulin resistance scores (HOMA-IR).
- Body Composition Analysis: Using DEXA scans to accurately measure visceral fat versus subcutaneous fat, providing a true insight into your risk profile that BMI alone cannot.
- Preventative Screening: Including cardiac CT scans for coronary calcium scoring, which can detect early signs of heart disease long before any symptoms appear.
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Integrated Wellness and Mental Health Support: Leading insurers now bundle a wealth of value-added benefits into their plans. These often include:
- Discounted gym memberships.
- Access to digital health apps for nutrition and fitness.
- Direct access to mental health professionals, providing crucial support for the psychological aspects of weight management.
- Virtual GP services available 24/7.
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Access to New Generation Treatments: The landscape of weight management is being revolutionised by a new class of medications known as GLP-1 agonists (e.g., semaglutide and tirzepatide). While their availability on the NHS is tightly restricted, some comprehensive PMI policies are beginning to provide pathways to access these treatments under specialist supervision, offering a powerful new tool for suitable candidates.
By investing in a PMI policy, you are not just buying treatment for illness; you are investing in the prevention of that illness and the preservation of your single greatest asset: your health and your ability to earn a living.
The Financial Shield: Securing Your Future with LCIIP (Life, Critical Illness & Income Protection)
Proactive health management is the goal, but we must also be pragmatic. What happens if, despite your best efforts, you are diagnosed with a serious condition? Or what if you already have a high BMI and are concerned about your financial vulnerability right now?
This is where the three pillars of personal protection insurance form an indispensable financial shield: Life, Critical Illness, and Income Protection.
Income Protection (IP): The Cornerstone of Your Financial Plan
If your health is your greatest asset, your income is the lifeblood it generates. Income Protection is arguably the most crucial insurance you can own. It acts as your own personal sick pay scheme. If you are unable to perform your job due to any illness or injury (subject to the policy terms), an IP policy pays you a regular, tax-free replacement income until you can return to work, your policy ends, or you retire.
- Real-World Scenario: Imagine an IT consultant developing severe, chronic back pain—a common issue exacerbated by excess weight. They can no longer sit at a desk for long periods. Their IP policy would pay them, for example, 60% of their gross salary each month, allowing them to pay the mortgage, cover bills, and focus on recovery without the terror of financial collapse.
Critical Illness Cover (CIC): Financial Breathing Space When You Need It Most
A critical illness diagnosis—such as a heart attack, stroke, or cancer—is emotionally devastating. It shouldn't also be financially catastrophic. Critical Illness Cover pays out a single, tax-free lump sum upon the diagnosis of one of a list of specified conditions.
This money is yours to use however you see fit, providing vital breathing space:
- Clear your mortgage or other major debts.
- Pay for specialist private treatment not covered by PMI or the NHS.
- Adapt your home for new mobility needs.
- Allow a partner to take time off work to support you.
- Simply replace lost income during a period of recovery.
Life Insurance: The Foundational Guarantee for Your Loved Ones
Life Insurance provides the ultimate peace of mind. It pays out a lump sum or a regular income to your chosen beneficiaries if you pass away during the policy term. For anyone with a partner, children, or a mortgage, it is non-negotiable. It ensures that the people who depend on you will not face financial hardship at the most difficult time imaginable.
Navigating the complexities of these policies, especially with pre-existing health considerations, can be daunting. At WeCovr, we specialise in helping individuals find the right protection, even for those with higher BMIs or related health issues. We have deep knowledge of the underwriting stances of every major UK insurer, allowing us to place your case with the provider most likely to offer favourable terms.
The Underwriting Reality: Applying for Insurance with a High BMI
It is a fact of the insurance market that having a high Body Mass Index (BMI) or related health conditions like high blood pressure will impact your application. Insurers are businesses that manage risk, and statistical data shows that obesity increases the risk of claims.
Here’s what you can expect when you apply:
- The Key Metrics: Underwriters will look beyond just your BMI. They will ask for your waist measurement, details of your blood pressure and cholesterol levels, and your HbA1c reading if you are at risk of diabetes. Honesty and accuracy are paramount.
- Potential Outcomes:
- Standard Rates: If your BMI is only slightly elevated (e.g., 25-29) and all other health markers are excellent, you may still be offered standard premium rates.
- Premium Loading: This is the most common outcome for those with a BMI over 30. Your premium will be increased by a set percentage (a "loading") to reflect the higher risk. This could range from +50% to +150% or more, depending on the severity.
- Exclusions: For some policies, like Income Protection, an insurer might offer you cover but place an exclusion on claims related to a specific pre-existing condition, such as musculoskeletal problems.
- Postponement or Decline: In cases of very high BMI, often combined with other uncontrolled risk factors like high blood pressure or poorly managed diabetes, an insurer may postpone a decision for 6-12 months (to allow you time to improve your health) or decline to offer cover altogether.
The table below gives an illustration of how BMI can affect the monthly cost of a £250,000 Level Term Life Insurance policy for a 40-year-old non-smoker over 25 years.
| Applicant Profile | BMI | Health Status | Illustrative Monthly Premium |
|---|---|---|---|
| Applicant A | 24 | Excellent health, no issues | £18 |
| Applicant B | 32 | Good health, slightly raised BP | £30 (+67% loading) |
| Applicant C | 38 | Type 2 Diabetes, controlled | £65+ (+260% loading) |
Note: These are illustrative premiums and actual costs will vary based on individual circumstances and insurer.
This is where expert advice is invaluable. Instead of applying directly to an insurer and risking a decline that goes on your permanent medical record for all other insurers to see, a specialist broker is essential. At WeCovr, we can approach insurers on an anonymous basis to get an indicative decision first, protecting your record. Our primary goal is to navigate the market to secure you the best possible terms from the most appropriate provider.
Furthermore, to support our clients' long-term health goals from the moment they join us, we provide complimentary access to CalorieHero. This is our exclusive, AI-powered calorie and nutrition tracking app, designed to empower you with the data and insights needed to take control of your health journey from day one. It's a testament to our belief in proactive well-being.
A Proactive Case Study: The Tale of Two Colleagues
To see how these choices play out in the real world, consider the story of two 45-year-old marketing managers, Sarah and Mark.
Sarah: The Proactive Planner Sarah has a BMI of 31. She feels fine, but a family history of heart disease worries her.
- Action: She takes out a comprehensive PMI policy and arranges a full health screening through it. The results show she has high cholesterol and is pre-diabetic. She also secures Income Protection and Critical Illness cover, accepting a 50% premium loading due to her BMI.
- The PMI Pathway: Her PMI gives her immediate access to a registered dietitian, who helps her create a sustainable nutrition plan. She uses her discounted gym membership and the CalorieHero app from WeCovr to track her progress.
- The Outcome: Over 18 months, Sarah loses 15kg. Her BMI drops to 27, her cholesterol normalises, and her blood sugar returns to a healthy range, reversing her pre-diabetes. She not only averts a future of chronic illness but also holds a robust financial safety net, giving her complete peace of mind. Her insurance premiums may even be reviewed and reduced in the future.
Mark: The 'It Won't Happen to Me' Mindset Mark has a similar health profile to Sarah initially (BMI 32) but believes he's "too busy" to worry about it. He sees insurance as an unnecessary expense.
- Inaction: He ignores the signs of fatigue and increasing breathlessness.
- The Domino Effect: At 48, a routine check-up diagnoses him with Type 2 Diabetes. At 52, he suffers a transient ischaemic attack (a 'mini-stroke'), a serious warning sign of future cardiovascular events.
- The Outcome: Mark now faces long NHS waiting lists for specialist appointments. He is often off work sick, relying on meagre Statutory Sick Pay. When he finally looks for insurance, he finds Critical Illness Cover is prohibitively expensive, and most insurers decline his application for Income Protection outright. He is now living with the daily reality of chronic illness and the constant anxiety of being financially exposed, a single health event away from disaster. He is on a direct path to experiencing the multi-million-pound burden first-hand.
Your Action Plan: 5 Steps to Mitigate Your Health & Wealth Risk Today
The 2025 data is a warning, not a sentence. You have the power to change your trajectory. Here is a simple, five-step plan to start immediately.
- Know Your Numbers: Stop guessing. Use an online calculator for your BMI, take a tape measure to your waist (for men, aim for <37in; for women, <31.5in), and book a free NHS health check or a private screening to know your blood pressure, cholesterol, and blood sugar levels. Knowledge is power.
- Explore Private Medical Insurance (PMI): Research the market. Look beyond emergency cover and investigate the wellness benefits, diagnostic access, and mental health support offered by modern policies. View it as a critical investment in your future health and earning capacity.
- Fortify Your Financial Foundations: Use an online calculator or speak to an adviser to assess your financial vulnerability. How long could you survive without your income? Do you have a plan to protect your mortgage and your family? This will clarify your need for Income Protection, Critical Illness Cover, and Life Insurance.
- Seek Expert Broker Advice: Do not navigate the complex insurance market alone, especially with a health condition. A specialist broker, like us at WeCovr, works for you, not the insurer. We will save you time, stress, and money by finding the right cover at the best price possible.
- Embrace Proactive Habits: You don't need to run a marathon tomorrow. Start with small, sustainable changes. A 15-minute brisk walk at lunch, swapping one sugary drink for water, using an app like CalorieHero to understand your food intake—it all adds up. Progress, not perfection, is the key.
Conclusion: Your Health, Your Wealth, Your Choice
The projections for 2025 are a clear and present danger to the health and prosperity of working Britons. The £5 million+ lifetime burden of obesity-related chronic disease is not hyperbole; it is a calculated risk based on the compounding devastation of lost income, spiralling healthcare costs, and a diminished quality of life.
To stand against this tide requires a modern, two-pronged strategy. First, an offensive, proactive approach to health management, using the advanced tools and rapid access provided by Private Medical Insurance. Second, a defensive, robust financial shield built from the essential protection of Life Insurance, Critical Illness Cover, and Income Protection.
The future of your health and wealth is not pre-written by national statistics. It will be determined by the informed, decisive actions you take today. By acknowledging the risks and embracing the solutions, you can safeguard your well-being, secure your financial future, and ensure you and your family can thrive for decades to come.
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!