UK Paycheck Peril 1 in 3 Britons Risk Lost Income
UK 2025 The Stark Reality – Over 1 in 3 Working Britons Face Incapacitation by Illness or Injury for 6+ Months Before Retirement, Triggering a Potential £4 Million+ Lifetime Income Gap and Shattering Family Security. Discover How Life, Critical Illness & Income Protection Provide Your Indispensable Financial Shield
It’s a statistic that should stop every working Briton in their tracks. A number so significant it redefines our perception of risk. Research consistently shows that more than one in three people currently in the workforce will be unable to work for six months or longer at some point in their career due to a serious illness or injury.
Think about that for a moment. Look around your office, your team meeting, or your commute. One in every three of you could face a sudden, debilitating stop to your earnings.
This isn't scaremongering; it's the stark financial reality of modern life in the UK. The consequences are catastrophic. For a higher earner on £100,000 a year, a permanent inability to work at age 30 could erase over £4.5 million in potential future earnings. For someone on the UK's average salary, the loss is still a life-altering £1.5 million.
This is the "Paycheck Peril" – the gaping chasm that opens up when your income disappears. It's a threat that doesn't just halt your lifestyle; it dismantles your family's security, drains your savings, and can jeopardise the very roof over your head.
The good news? This peril is predictable and, more importantly, protectable. This guide will illuminate the true scale of the risk, expose the myth of the state safety net, and introduce the three essential pillars of financial defence: Income Protection, Critical Illness Cover, and Life Insurance. This is your indispensable shield against the unexpected.
The Unspoken Risk: Deconstructing the "1 in 3" Statistic
The "1 in 3" figure isn't a vague estimate. It's a calculated probability derived from decades of data on health, accidents, and workforce trends. It’s the elephant in the room of every financial plan, and in 2025, it’s bigger and more present than ever.
8 million people** were out of work due to long-term sickness in early 2024, a figure that has been steadily climbing. This isn't just about minor ailments; these are conditions that force people out of their careers for extended periods, often permanently.
So, what's driving this crisis?
- Musculoskeletal Issues: These are the number one reason for long-term work absence. Conditions like chronic back pain, arthritis, and joint problems can make performing even a desk job impossible. The Health and Safety Executive (HSE) reports that hundreds of thousands of workers suffer from work-related musculoskeletal disorders each year.
- Mental Health Conditions: The silent epidemic of the 21st century is now a leading cause of long-term absence. Stress, depression, and anxiety accounted for millions of lost working days. The pressure of modern life, combined with a greater (and welcome) willingness to acknowledge these conditions, means more people are taking necessary, extended time off to recover.
- Cancer, Heart Disease & Stroke: These "big three" illnesses can strike at any age. Cancer Research UK estimates that 1 in 2 people in the UK will get cancer in their lifetime. While survival rates are improving dramatically, treatment and recovery can take months, if not years, making a return to full-time work challenging.
Top Reasons for Long-Term Sickness Absence in the UK (2025)
| Rank | Reason for Absence | Key Facts & Trends |
|---|---|---|
| 1 | Musculoskeletal Problems | Affects over 10 million UK adults. A leading cause of disability. |
| 2 | Mental Health (Stress, etc.) | ONS data shows this as a primary driver of rising long-term sickness. |
| 3 | Cancer | 1,000 new diagnoses every day in the UK. |
| 4 | Heart & Circulatory Disease | Causes over a quarter of all deaths in the UK. |
| 5 | Stroke | Over 100,000 strokes occur annually in the UK. |
| 6 | Accidents & Injuries | Can happen anywhere, anytime – at home, during sports, or on the road. |
This isn't about "if" it happens, but "when" and "to whom." The probability is uncomfortably high. Ignoring it is like driving without a seatbelt – a gamble with devastating potential consequences.
The Financial Domino Effect of Lost Income
When your salary stops, it triggers a brutal chain reaction. It’s a financial domino effect that can topple a lifetime of careful planning in a matter of months.
First, the immediate pressures mount. The mortgage or rent is still due. Council tax, gas, electricity, and water bills keep arriving. The weekly food shop still needs to be done. Without an income, you’re forced to turn to your savings. But for how long can they last?
A 2024 study by the Money and Pensions Service found that 1 in 4 UK adults have less than £100 in savings. Even for those with a more substantial buffer, a few months of no income can wipe it out completely.
Let's consider a realistic example:
Meet the Jacksons:
- David, 40, is an IT consultant earning £65,000.
- His partner, Chloe, works part-time. They have two children, aged 8 and 11.
- Their monthly outgoings (mortgage, bills, food, car, childcare) are £3,500.
- They have £15,000 in savings.
David suffers a serious back injury playing football and is told he'll be unable to work for at least a year. His employer pays him full pay for one month, then he moves onto Statutory Sick Pay.
The family's income plummets. Their £15,000 savings buffer is gone in less than five months. They start missing credit card payments, their credit score is damaged, and the stress puts immense strain on their relationship. They face the terrifying prospect of having to sell their family home.
This isn't a dramatic fictional story; it's a common reality played out in households across the UK every single day.
The Lifetime Income Gap: A Staggering Loss
The immediate crisis is just the beginning. The real damage is the Lifetime Income Gap – the total amount of money you would have earned between the point of incapacitation and retirement.
| Annual Salary | Years Left to Work (from age 35) | Potential Lifetime Income |
|---|---|---|
| £35,000 (UK Average) | 32 | £1,120,000 |
| £50,000 | 32 | £1,600,000 |
| £75,000 | 32 | £2,400,000 |
| £100,000 | 32 | £3,200,000 |
| £150,000 | 32 | £4,900,000 |
Note: Table assumes no future pay rises for simplicity. The actual loss would likely be much higher.
This is the money that pays for your children's university education, your comfortable retirement, and your family's quality of life. Losing it doesn't just change your present; it rewrites your entire future.
Can the State Really Save You? The Reality of UK Statutory Sick Pay (SSP)
There's a common and dangerous misconception that if you fall ill, the state will provide a robust safety net. The reality is starkly different.
The primary support available is Statutory Sick Pay (SSP). For the 2024/25 tax year, the rate is £116.75 per week. Let that sink in. This is the government's mandated minimum that most employers must pay eligible employees.
SSP is limited in three crucial ways:
- The Amount: £116.75 a week is roughly £500 a month. This is rarely enough to cover even the mortgage or rent on a family home, let alone all other essential bills.
- The Duration: It is only paid for a maximum of 28 weeks. Serious illnesses frequently last much longer. After 28 weeks, the payments simply stop.
- The Eligibility: Not everyone gets it. You must be classed as an 'employee' and earn above the Lower Earnings Limit. The UK's 4.3 million self-employed workers get nothing.
Statutory Sick Pay vs. Average UK Household Costs
| Item | Average Weekly Cost (UK) | Statutory Sick Pay (SSP) | The Weekly Shortfall |
|---|---|---|---|
| Rent / Mortgage | £200 - £400+ | £116.75 | -£83 to -£283 |
| Utilities (Gas, Elec, Water) | £65 | (Already exceeded) | -£148 to -£348 |
| Council Tax | £40 | (Already exceeded) | -£188 to -£388 |
| Food & Groceries | £100 | (Already exceeded) | -£288 to -£488 |
| Total Shortfall | Significant & Immediate |
Figures are illustrative estimates based on ONS family spending data.
What happens after SSP runs out? You may be able to claim other benefits like Universal Credit or the new-style Employment and Support Allowance (ESA). However, these are often means-tested, meaning your partner's income or any savings you have could reduce or eliminate your entitlement. They are designed for subsistence, not to maintain your family's established lifestyle.
The message is clear: relying on the state to protect your income is a high-risk strategy destined to fail.
Your Financial Shield: An In-Depth Guide to Protection Insurance
If the state won't protect you and your savings won't last, how do you build a fortress around your family's finances? The answer lies in a coordinated strategy using three types of personal protection insurance. These policies act as your private financial shield, stepping in when you need it most.
Income Protection (IP): Your Monthly Paycheck Replacement
This is arguably the most important financial protection product for anyone of working age.
What is it? Income Protection insurance pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury. It’s designed to replace a significant portion of your lost salary, allowing you to continue paying your bills and maintaining your lifestyle while you recover.
Key Features Explained:
- Benefit Amount: You can typically insure up to 50-70% of your gross (pre-tax) income. This is designed to be close to your take-home pay and provides an incentive to return to work when you are able.
- Deferred Period: This is the pre-agreed waiting period between when you stop working and when the policy starts paying out. It can be anything from 1 day to 52 weeks. The longer the deferred period you choose, the lower your premium will be. A common strategy is to align it with your employer's sick pay policy (e.g., if you get 6 months full pay, you choose a 26-week deferred period).
- Payment Period: You can choose policies that pay out for a limited term (e.g., 1, 2, or 5 years per claim) or, for maximum security, a 'long-term' policy that pays out right up until your chosen retirement age (e.g., 67) if you can never return to work.
- Definition of Incapacity: This is CRITICAL. The best policies use an 'Own Occupation' definition. This means the policy will pay out if you are unable to do your specific job. Less comprehensive definitions like 'Suited Occupation' or 'Any Occupation' might only pay if you're unable to do a job you're suited for, or any job at all, which makes it much harder to claim. Always insist on 'Own Occupation' cover if possible.
Income Protection is the bedrock of any financial plan. It protects your most valuable asset: your ability to earn a living.
Critical Illness Cover (CIC): A Tax-Free Lump Sum for Serious Illness
While Income Protection provides an ongoing income, Critical Illness Cover provides a one-off financial injection at a time of immense stress.
What is it? Critical Illness Cover pays out a large, tax-free lump sum if you are diagnosed with one of a list of specific serious illnesses defined in the policy. The number of conditions covered can range from 40 to over 100 depending on the insurer and plan.
How can the lump sum be used? The money is yours to use as you see fit. Common uses include:
- Paying off your mortgage or other debts, drastically reducing your monthly outgoings.
- Funding private medical treatment or specialist therapies not available on the NHS.
- Making adaptations to your home (e.g., installing a ramp or stairlift).
- Replacing lost income for a period to allow you and your partner to focus on recovery without financial worry.
- Funding a change in lifestyle, such as reducing your working hours permanently.
The "big three" conditions – cancer, heart attack, and stroke – still account for the majority of claims, but modern policies cover a huge range of illnesses including multiple sclerosis, motor neurone disease, organ failure, and Parkinson's disease. It's vital to check the policy documents for the precise definitions and list of illnesses covered.
Life Insurance: Securing Your Family's Future After You're Gone
Life insurance is the final line of defence, providing for your loved ones in the event of your death.
What is it? A policy that pays out a lump sum to your chosen beneficiaries if you die during the policy term. It ensures that your family can cope financially without your income.
There are three main types:
- Level Term Insurance: The payout amount (sum assured) remains fixed for the entire term of the policy. This is ideal for family protection, designed to replace lost income and cover future costs like university fees. You choose the amount and the term (e.g., until your youngest child is expected to be financially independent).
- Decreasing Term Insurance (Mortgage Protection): The payout amount decreases over the term of the policy, broadly in line with the outstanding balance of a repayment mortgage. It's a cost-effective way to ensure your family's biggest debt is cleared if you die.
- Whole of Life Insurance: This policy has no term and is guaranteed to pay out whenever you die. It is more expensive but is often used for specific purposes like covering a future Inheritance Tax bill or leaving a guaranteed legacy.
A crucial step with any life insurance policy is to place it 'in trust'. This is a simple legal arrangement that means the payout goes directly to your beneficiaries, bypassing your estate. This has two huge advantages: it avoids a lengthy probate process (which can take months or years) and it means the payout is not typically subject to 40% Inheritance Tax.
How Do These Policies Work Together? A Coordinated Defence Strategy
These three policies are not an "either/or" choice. They are designed to work together, covering different scenarios and providing a multi-layered defence for your finances.
Think of it like protecting your home:
- Income Protection is your strong front door, dealing with the day-to-day threat of being unable to earn.
- Critical Illness Cover is your fire extinguisher and alarm system, providing a powerful, immediate response to a major crisis (a serious illness).
- Life Insurance is the foundation of the house, ensuring that even in the worst-case scenario, the structure remains for your family.
Let's see how they work in practice:
| Scenario | Income Protection (IP) | Critical Illness Cover (CIC) | Life Insurance |
|---|---|---|---|
| You suffer a serious back injury and are off work for 14 months. | ✅ IP kicks in after your deferred period, paying you a monthly income until you can return to work. | ❌ No payout, as it's not a specified critical illness. | ❌ No payout. |
| You are diagnosed with a cancer covered by your policy. You need a year off for treatment. | ✅ IP kicks in after your deferred period, replacing your monthly income. | ✅ CIC pays out a tax-free lump sum. You use it to clear your car loan and credit cards, reducing financial pressure. | ❌ No payout. |
| You have a severe stroke and are sadly unable to return to work ever again. | ✅ IP pays you a monthly income right up until your chosen retirement age, providing long-term security. | ✅ CIC pays out a lump sum, which you use to adapt your home and fund specialist care. | ❌ No payout. |
| You pass away unexpectedly in an accident. | ❌ IP stops as it's for the living policyholder. | ❌ CIC does not pay out (unless it's a combined Life & CIC policy). | ✅ Life Insurance pays out a lump sum to your family, securing their financial future. |
As you can see, each policy plays a unique and vital role. A comprehensive protection plan incorporates the right level of each, tailored to your specific circumstances.
Navigating the Market: How to Find the Right Cover for You
Understanding the need for protection is the first step. The second is navigating the market to find the right policies at the best price. This is where many people get stuck.
"It's too expensive." This is the most common objection, but the cost of protection is often far less than people think, especially compared to the cost of not having it. The price you pay depends on your age, health, occupation, and the level of cover you choose. For a healthy 30-year-old, comprehensive income protection can cost less than a daily cup of coffee.
"I'm self-employed." If you're self-employed, you don't have the luxury of any employer sick pay and you don't qualify for SSP. This makes personal protection even more critical. Income Protection is your substitute sick pay scheme. A broker can help find policies specifically designed for the self-employed, considering fluctuating incomes.
"I have a pre-existing medical condition." Don't assume you can't get cover. While some conditions may lead to higher premiums or exclusions on the policy, cover is often still available. The most important thing is to provide full and honest disclosure on your application. Hiding a condition can invalidate your policy when you need it most.
This is precisely where expert advice becomes invaluable. Trying to compare dozens of policies from different insurers, each with slightly different definitions and conditions, is a complex and time-consuming task.
This is where WeCovr comes in. As an expert independent insurance broker, our role is to make this process simple, clear, and effective. We have access to plans from all the major UK insurers, allowing us to find the most suitable and competitive cover for your unique needs. Our specialists understand the fine print, such as the critical importance of an 'Own Occupation' definition for Income Protection, and can guide you every step of the way.
Furthermore, at WeCovr, we believe in supporting our clients' overall well-being. That's why, in addition to securing your financial health, we provide our customers with complimentary access to CalorieHero, our exclusive AI-powered calorie and nutrition tracking app. It's just one of the ways we go above and beyond, showing our commitment to your long-term health and prosperity.
The Cost of Waiting vs. The Price of Protection
There is one golden rule in protection insurance: the younger and healthier you are, the cheaper your premiums will be. That price is then locked in for the life of the policy.
Procrastination is the enemy of affordable cover. Every year you wait, the statistical risk of you claiming increases, and so does the price.
The Rising Cost of Cover By Age
| Age at Application | Example Monthly Premium for a £2,500/month IP Policy* |
|---|---|
| 25 | £30 |
| 35 | £55 |
| 45 | £95 |
| 55 | £170+ |
*Illustrative premiums for a non-smoker in a low-risk office job, with payment until age 67 and a 13-week deferred period. Actual quotes will vary.
As the table shows, a 45-year-old could pay more than triple the premium of a 25-year-old for the exact same cover. Waiting a decade could cost you thousands of pounds in extra premiums over the life of the policy. The cheapest time to get covered is always today.
Your Action Plan: 5 Steps to Financial Resilience in 2025
Feeling overwhelmed? Don't be. Securing your financial future is a manageable process. Follow these five steps to build your shield against paycheck peril.
- Assess Your Situation: Get a clear picture of your finances. What are your essential monthly outgoings? How long would your savings last? This is your "protection gap."
- Check Your Existing Cover: If you're employed, dig out your contract and find out exactly what sick pay you are entitled to. For how long is it full pay? Does it drop to half pay? Does your employer provide any 'Death in Service' or 'Group Income Protection' benefits? Remember, these benefits cease the moment you leave your job.
- Define Your Needs: How much income do you need to protect? How much of a lump sum would clear your mortgage and provide a buffer? Until what age do you need the cover to run?
- Speak to an Expert: This is the most crucial step. A professional advisor can translate your needs into a tailored protection plan. At WeCovr, our dedicated team will search the market for you, explain your options in plain English, and handle the application process, ensuring you get the right cover without the stress.
- Act Now: Don't put it off. You are never more insurable than you are today. Lock in your protection and gain the peace of mind that comes from knowing you and your family are secure, no matter what life throws at you.
Don't Be a Statistic: Secure Your Future Today
The risk is real. One in three is not a comfortable odd. The state safety net is threadbare. Your savings are finite.
The Paycheck Peril facing millions of Britons is a clear and present danger to family security. But it is a danger you have the power to neutralise.
Taking control of your financial destiny is one of the most responsible and empowering actions you can take. It’s a decision that protects not just your bank balance, but your family's home, their lifestyle, and their future. It replaces fear and uncertainty with security and peace of mind.
Don't wait to become part of a statistic. Invest in your financial shield today and ensure your ability to earn is protected, come what may.
Related guides
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
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