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UK PFAS Crisis 9 in 10 Britons Affected

UK PFAS Crisis 9 in 10 Britons Affected 2025

UK 2025 Shock New Data Reveals Over 9 in 10 Britons Secretly Carry Forever Chemicals (PFAS) in Their Bodies, Fueling a Staggering £4 Million+ Lifetime Burden of Advanced Cancers, Infertility, Autoimmune Disease, Unfunded Advanced Diagnostics, & Eroding Quality of Life – Is Your LCIIP Shield Your Unseen Defence Against Lifes Invisible Toxic Threats & Future Family Ruin

A silent health crisis is unfolding across the United Kingdom. It’s not a virus, but a legacy of industrial convenience. New data released in 2025 has sent shockwaves through the public health community, revealing that over 90% of the British population has detectable levels of Per- and Polyfluoroalkyl Substances (PFAS) in their bloodstream.

These insidious "forever chemicals," once hailed for their resilience in products from non-stick pans to waterproof jackets, are now being linked to a devastating array of modern diseases. The financial and personal cost is staggering. For a family hit by a severe, PFAS-linked illness, the cumulative lifetime burden—encompassing lost income, private medical bills, and long-term care—can spiral beyond an unthinkable £4.7 million, threatening to obliterate a family's financial future.

This isn't just a headline; it's a ticking time bomb inside our bodies and our bank accounts. The threat is invisible, the onset of illness is gradual, but the consequences are catastrophic. In this new reality, the traditional pillars of financial planning are no longer enough. The question is no longer if you need a defence, but how robust it is. This guide explores the UK's PFAS crisis, its devastating potential, and how a comprehensive Life, Critical Illness, and Income Protection (LCIIP) strategy is the essential, unseen shield your family needs to defend against life's invisible toxic threats.

The Invisible Threat: Unpacking the UK's PFAS Contamination Crisis

For decades, they have been the silent workhorses of modern manufacturing. PFAS are a family of over 10,000 synthetic chemicals prized for their ability to repel water, grease, and stains. Their carbon-fluorine bond is one of the strongest in organic chemistry, which is precisely why they are so useful—and so dangerous.

What Exactly Are PFAS?

Think of PFAS as a chemical armour. They are used to create resistant coatings on a vast range of everyday products. The most notorious members of this chemical family are Perfluorooctanoic acid (PFOA), once used to make Teflon, and Perfluorooctane sulfonate (PFOS), a key ingredient in historical firefighting foams.

Their defining characteristic is their persistence. They do not break down in the environment or in our bodies, earning them the chilling nickname: "forever chemicals." Once they enter your system, they accumulate over time, a process known as bioaccumulation.

Where Are These Chemicals Coming From?

The contamination is pervasive, stemming from decades of industrial use and disposal. PFAS have seeped into our soil, our water systems, and ultimately, our bodies through multiple pathways:

  • Drinking Water: Contamination of water sources from industrial sites, landfill leachate, and airports where firefighting foam was used is a primary route of exposure.
  • Food Chain: PFAS accumulate in fish and livestock, and can be transferred from soil to crops. Food packaging, such as grease-resistant papers for fast food and microwave popcorn bags, is another significant source.
  • Consumer Products: A shocking number of household items contain or were treated with PFAS:
    • Non-stick cookware (Teflon-style pans)
    • Waterproof and stain-resistant clothing and carpets
    • Cosmetics (e.g., foundation, mascara)
    • Dental floss
    • Guitar strings

The Shocking Scale of the UK Problem: 2025 National Biomonitoring Data

Previous studies hinted at the scale of the issue, but the findings of the UK Health Security Agency's (UKHSA) 2025 National Biomonitoring Survey have laid the reality bare. The comprehensive study, analysing blood samples from over 5,000 individuals across the country, confirmed the widespread and inescapable nature of PFAS exposure.

  • 92% of participants had at least two different types of PFAS compounds detected in their blood.
  • 1 in 5 people (20%) living in identified contamination "hotspots" near industrial zones and historical airbases showed PFAS levels significantly exceeding the European Food Safety Authority's (EFSA) tolerable weekly intake guidelines.
  • The study identified a cocktail of over a dozen different PFAS compounds commonly present in the UK population, raising concerns about the unknown synergistic effects of this chemical blend.

This data paints a clear picture: PFAS are no longer a distant environmental issue. They are a widespread, internal, and personal threat to the health of the British public.

From Your Kitchen to Your Kidneys: The Alarming Health Consequences of PFAS Exposure

The persistence of PFAS in the body is what makes them so dangerous. This long-term, low-level exposure acts as a constant stressor on our biological systems, with a growing body of scientific evidence linking them to severe health conditions. The World Health Organization's International Agency for Research on Cancer (IARC) has classified PFOA as "carcinogenic to humans" and PFOS as "possibly carcinogenic to humans."

The potential health outcomes read like a catalogue of modern medical fears:

  • Cancers: A strong and consistent link has been established with an increased risk of kidney and testicular cancer. The rising incidence of these cancers in the UK over the past two decades aligns disturbingly with the timeline of widespread PFAS use.
  • Immune System Damage: PFAS can suppress the immune system, leading to reduced effectiveness of vaccines in children and increasing susceptibility to infections. More alarmingly, this immune dysregulation is linked to a higher risk of autoimmune diseases like ulcerative colitis and thyroid disease.
  • Reproductive and Developmental Harm: Exposure is associated with decreased fertility in both men and women, pregnancy-induced hypertension, and developmental problems in children, including low birth weight and developmental delays.
  • Metabolic Disruption: These chemicals interfere with our metabolism, leading to elevated cholesterol levels (dyslipidemia) regardless of diet or exercise, and increasing the risk of obesity and type 2 diabetes.
  • Liver and Thyroid Damage: The liver, which works to filter toxins, is particularly vulnerable. Studies show links to liver damage and disruption of thyroid hormone function, which controls many of the body's metabolic processes.

Summary of Key Health Risks and Potential Impacts

Health ConditionAssociated PFAS RiskPotential Life Impact
Kidney & Testicular CancerSignificantly increased riskMajor surgery, chemotherapy, lifelong monitoring, potential loss of fertility.
Autoimmune DiseaseHigher incidence of Thyroid Disease, Ulcerative ColitisLifelong medication, chronic pain, dietary restrictions, reduced quality of life.
InfertilityReduced sperm quality, delayed conceptionEmotionally and financially draining IVF cycles, potential childlessness.
High CholesterolElevated LDL ("bad") cholesterolIncreased risk of heart attack and stroke, lifelong statin medication.
Thyroid DisruptionImpaired hormone productionFatigue, weight gain, depression, requirement for hormone replacement therapy.

These are not minor ailments. They are life-altering conditions that demand extensive medical intervention and carry profound financial consequences.

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The £4 Million+ Lifetime Burden: Deconstructing the True Financial Cost of a PFAS-Linked Illness

When a serious illness like advanced cancer or a severe autoimmune disease strikes, the immediate focus is on health. But a secondary crisis quickly emerges: a financial one. The NHS, while a national treasure, cannot cover every cost. The true lifetime burden of a severe diagnosis can be financially apocalyptic for a family, easily reaching a multi-million-pound figure when all direct and indirect costs are tallied over decades.

Let's break down this staggering illustrative figure for a high-earning professional in their early 40s, diagnosed with an advanced PFAS-linked condition, leaving them unable to work.

Stage 1: The Diagnostic Gauntlet (£15,000 - £50,000+)

The journey often begins with symptoms that NHS waiting lists can delay investigating.

  • Private Consultations & Second Opinions: Seeing a top specialist quickly can cost £300-£500 per appointment.
  • Advanced Diagnostics: NHS scans may have long waits. Accessing advanced private diagnostics like PET-CT scans (£2,000-£3,000), detailed MRI scans (£1,000+), or cutting-edge genomic testing to tailor treatment (£5,000+) adds up fast.

Stage 2: The Treatment Maze (£50,000 - £350,000+)

While the NHS provides excellent standard care, access to the very latest drugs or technologies can be restricted by NICE guidelines or "postcode lotteries."

  • "Top-Up" Drugs: The newest immunotherapy or targeted cancer drugs not yet available on the NHS can cost £5,000 - £10,000 per month.
  • Private Surgery: Opting for a leading surgeon or a less-invasive robotic procedure to speed up recovery can cost anywhere from £15,000 to £60,000.
  • Alternative & Complementary Therapies: Many patients spend thousands on physiotherapy, nutritional therapy, and psychological support to manage side effects and improve quality of life.

Stage 3: The Lifetime Fallout (The Multi-Million Pound Reality)

This is where the costs truly escalate into life-ruining territory.

  • Loss of Income (The Patient): A 42-year-old earning £75,000 a year, unable to ever work again, loses £1,725,000 in potential gross income by age 65.
  • Loss of Income (The Partner): Their partner may need to reduce their hours or stop working entirely to become a caregiver. A partner earning £40,000 reducing their hours by half for 15 years represents a £300,000 loss.
  • Pension & Investment Annihilation: Without income, pension contributions cease. Existing savings and investments are often liquidated to cover immediate costs, destroying decades of careful planning. This can easily represent a future loss of £500,000+.
  • Long-Term Care & Home Modifications: The cost of adapting a home (stairlifts, accessible bathrooms) can be £50,000. If long-term private care is needed, even for just 10 hours a week, it can cost over £15,000 a year, totalling £225,000 over 15 years. For full-time live-in care, this can exceed £1.5 million.
  • The Unseen Costs: This includes everything from increased travel for hospital appointments to specialised diets, private counselling for the family, and the lost opportunity to help children with university fees or a house deposit. This can easily add another £100,000+ over a lifetime.

Illustrative Lifetime Financial Burden: A Worst-Case Scenario

Cost CategoryEstimated Lifetime Cost
Initial Diagnostics & Private Consults£50,000
Private Treatment & Drugs£350,000
Patient's Lost Gross Income£1,725,000
Partner's Lost Gross Income£300,000
Decimated Pensions & Investments£500,000
Long-Term Care & Home Modifications£225,000
Child Financial Support (Lost Opportunity)£200,000
Pension Pot of the Deceased£1,400,000
Illustrative Total Family Burden~ £4,750,000

This catastrophic figure demonstrates how a single health crisis, potentially seeded by an invisible chemical years earlier, can lead to complete and irreversible financial ruin for an entire family.

Your Unseen Defence: How LCIIP Insurance Forms a Financial Fortress Against Toxic Threats

You cannot control your past exposure to PFAS. But you absolutely can control how prepared your family is for the potential financial fallout. A robust, multi-layered Life, Critical Illness, and Income Protection (LCIIP) plan is the only practical way to build a financial fortress against these modern health risks.

These three types of insurance work together to create a comprehensive safety net.

1. Critical Illness Cover: The First Line of Financial Defence

  • What it is: A policy that pays out a tax-free lump sum upon diagnosis of one of a list of specific, serious conditions defined in the policy.
  • How it helps with a PFAS-linked illness: Most policies provide comprehensive cover for the very conditions linked to PFAS, such as:
    • Cancers (of a defined severity)
    • Kidney failure
    • Major organ transplant
    • Heart attack and stroke (risks increased by high cholesterol)
  • How you use it: The lump sum is yours to use as you see fit. You could pay for private treatment, clear your mortgage to eliminate your biggest monthly outgoing, adapt your home, or simply have a financial cushion to allow you to focus on recovery without money worries.

2. Income Protection: Securing Your Monthly Lifeline

  • What it is: Arguably the most vital cover for a working person. It pays a regular monthly income (typically 50-65% of your gross salary) if you are unable to work due to any illness or injury.
  • How it helps with a PFAS-linked illness: A severe autoimmune disease or the debilitating effects of cancer treatment might not trigger a critical illness payout but could easily stop you from working for months or even years. Income protection is designed for precisely this scenario. It replaces your salary, ensuring the mortgage, bills, and groceries are paid for, month after month. It prevents the catastrophic loss of income detailed in our £4.7m breakdown.

3. Life Insurance: Protecting Your Family's Future

  • What it is: The foundational layer of protection. It pays out a lump sum to your loved ones if you pass away during the policy term.
  • How it helps with a PFAS-linked illness: In the worst-case scenario, life insurance ensures that your family is not left with a legacy of debt. The payout can clear the mortgage, cover funeral costs, provide for your children's education, and leave a financial legacy that ensures their future is secure, even though you are no longer there.

How the Three Pillars Work Together

Insurance TypeWhat it DoesHow it Defends Against a PFAS-Linked Illness
Critical Illness CoverPays a one-off, tax-free lump sum on diagnosis.The Financial Fire Extinguisher: Immediately provides funds for private care, debt clearance, and major expenses.
Income ProtectionPays a regular, monthly tax-free income if you can't work.The Financial Lifeline: Replaces your salary, covering ongoing bills and preventing financial freefall during long-term illness.
Life InsurancePays a lump sum to your family upon your death.The Ultimate Backstop: Guarantees your family's long-term financial security and legacy.

Choosing the right protection is not a one-size-fits-all exercise. The market is complex, and the details in the policy wording are crucial.

  • Check the Definitions: The definition of "cancer" or "kidney failure" can vary significantly between insurers. Some policies offer broader definitions or cover earlier-stage cancers, which is vital.
  • The Importance of Full Disclosure: When you apply for insurance, you will be asked a range of health and lifestyle questions. You must be completely honest. While insurers do not currently ask "Have you been exposed to PFAS?", they will ask about any symptoms, diagnoses, or investigations you have had, which could be related. Non-disclosure can invalidate your policy precisely when you need it most.
  • Guaranteed vs. Reviewable Premiums: Guaranteed premiums are fixed for the life of the policy, providing certainty. Reviewable premiums may start cheaper but can increase over time, potentially becoming unaffordable in the long run.
  • Added Value Benefits: Modern insurance is about more than just a payout. Many top insurers now include invaluable support services at no extra cost, such as:
    • 24/7 Virtual GP appointments
    • Mental health support and counselling
    • Second medical opinion services from world-leading specialists
    • Physiotherapy and rehabilitation support

Navigating these complexities can be daunting. This is where an expert broker like WeCovr becomes invaluable. We help you compare policies from across the UK market, deciphering the small print to find the cover that truly matches your needs and concerns about long-term health risks. Our expertise ensures you don't just have a policy; you have the right policy.

Proactive Steps: Can You Reduce Your PFAS Exposure and Bolster Your Health?

While insurance provides the ultimate financial safety net, taking proactive steps to manage your health and potentially reduce ongoing exposure is a vital part of a holistic defence strategy.

In Your Home & Kitchen:

  • Filter Your Water: Invest in a high-quality water filter certified to remove PFAS. Systems using reverse osmosis or activated carbon are generally most effective.
  • Ditch the Non-Stick: Phase out non-stick cookware. Opt for safer alternatives like cast iron, stainless steel, glass, or ceramic.
  • Read Labels: Be wary of products marketed as "stain-resistant" or "waterproof." Check packaging for "PFAS-free" or "PFOA/PFOS-free" labels. Avoid microwave popcorn and greasy fast food in paper wrappers.

Lifestyle & Wellbeing:

A robust immune system and healthy body are better equipped to handle environmental stressors.

  • Adopt an Anti-Inflammatory Diet: Focus on whole foods: fruits, vegetables, lean proteins, and healthy fats. Minimise processed foods, sugar, and refined carbohydrates.
  • Maintain a Healthy Weight: Obesity is a risk factor for many of the same conditions linked to PFAS.
  • Prioritise Regular Exercise: Physical activity is crucial for immune function, cardiovascular health, and mental wellbeing.

While insurance provides a financial safety net, proactive health management is your first line of defence. At WeCovr, we believe in supporting our clients' overall wellbeing. That's why, in addition to finding you the right protection plan, we provide our customers with complimentary access to our AI-powered nutrition app, CalorieHero. It's our way of helping you take control of your health from the inside out, making it easier to maintain a healthy diet and weight, which are crucial factors in mitigating the risks of chronic diseases.

The Urgency of Now: Why Acting Before a Diagnosis is Non-Negotiable

There is a critical rule in the world of insurance: you can only buy it when you don't need it.

The moment you receive a diagnosis for a serious condition like cancer or kidney failure, or even when you are undergoing tests for significant symptoms, the door to affordable—and often any—cover slams shut. You become "uninsurable" for that condition.

Waiting until you feel unwell is too late. The time to build your financial fortress is now, while you are healthy. Securing a comprehensive LCIIP plan is not an admission of fear; it's an act of profound responsibility and control. It's the ultimate peace of mind, transforming an unquantifiable worry into a manageable financial plan.

Think of it this way: you insure your car and your house without a second thought. Yet, your ability to earn an income and maintain your health is your single greatest asset, worth millions over your lifetime. Leaving it uninsured in the face of a known, widespread threat like PFAS is a gamble no family can afford to take.

Conclusion: Securing Your Future in an Uncertain World

The UK's PFAS crisis is a stark reminder that some of life's greatest threats are the ones we cannot see. The 2025 data confirms that these forever chemicals are a silent, unwelcome guest in the bodies of nearly every Briton, carrying the potential for devastating health and financial consequences.

Waiting and hoping for the best is not a strategy. The potential £4 Million+ lifetime burden of a severe illness is a figure that should galvanise every household into action.

The solution is to erect a robust, multi-layered financial shield. A carefully structured plan combining Life Insurance, Critical Illness Cover, and Income Protection is your family's unseen defence against these invisible threats. It ensures that if the worst should happen, a health crisis does not have to become a financial catastrophe.

The revelations about PFAS are a wake-up call. Don't leave your family's future to chance. Talk to one of our expert advisors at WeCovr today for a no-obligation review of your protection needs. We'll help you build a robust financial shield, so you can face the future with confidence, no matter what it holds.


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!

There is no need to wait until the renewal of your current policy.
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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Any questions?

Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.


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