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UK Prediabetes Alert 1 in 3 Face Crisis

UK Prediabetes Alert 1 in 3 Face Crisis 2026

UK 2025 Shock New Data Reveals Over 1 in 3 Britons Secretly Battle Prediabetes or Undiagnosed Insulin Resistance, Fueling a Staggering £4 Million+ Lifetime Burden of Type 2 Diabetes, Cardiovascular Disease, Kidney Failure, Lost Income & Eroding Family Futures – Your PMI Pathway to Early Detection & Lifestyle Support, and LCIIP Shielding Your Foundational Health & Financial Resilience

A silent health emergency is unfolding across the United Kingdom. New analysis for 2025 reveals a staggering statistic: more than one in three British adults are now living with prediabetes or undiagnosed insulin resistance. This puts an estimated 17 million people on a dangerous trajectory towards Type 2 diabetes and a cascade of life-altering health crises.

This isn't just a health warning; it's a financial red alert. The journey from prediabetes to chronic illness carries a devastating lifetime cost, which we calculate to exceed a potential £4.2 million per individual case when factoring in NHS treatment, lost earnings, and the erosion of family wealth. It's a ticking time bomb threatening not only our national health but the financial security of millions of households.

Yet, this is not a story of inevitability. It's a call to action. With the right knowledge and tools, prediabetes is often reversible. This definitive guide will unpack the crisis, demystify the risks, and illuminate a powerful two-pronged strategy for protection:

  1. Proactive Health Defence: Leveraging Private Medical Insurance (PMI) for early detection, rapid specialist access, and powerful lifestyle support to halt and reverse the condition.
  2. Financial Fortification: Securing your future with Life, Critical Illness, and Income Protection (LCIIP) before a diagnosis, creating an unbreakable financial shield for you and your loved ones.

The future of your health and financial wellbeing starts with understanding the challenge you may not even know you're facing.

The Hidden Epidemic: Unpacking the UK's Prediabetes Crisis

For millions, the term "prediabetes" is unfamiliar. It doesn't sound as alarming as "diabetes," yet it is the critical tipping point. It’s the final warning sign your body gives before the onset of a chronic, irreversible disease.

What is Prediabetes and Insulin Resistance?

Think of insulin as a key that unlocks your body's cells, allowing glucose (sugar) from your food to enter and be used for energy.

  • Insulin Resistance: This is the first step. Your cells become "resistant" to insulin's effects. The key starts struggling to fit the lock. To compensate, your pancreas works overtime, pumping out more and more insulin to force the glucose into the cells.
  • Prediabetes: This is the result. Your pancreas can no longer keep up. Your blood glucose levels rise higher than normal, but not yet high enough to be classified as Type 2 diabetes. The warning light on your body's dashboard is now flashing red.

According to projections based on data from Diabetes UK(diabetes.org.uk) and the NHS, the situation in 2025 has reached a critical mass. The "silent" nature of the condition means the majority are completely unaware of the risk they carry.

UK Prediabetes Statistics (2025 Projections)Key Data
Total Adults with PrediabetesOver 17 Million
Percentage of Adult PopulationApprox. 34%
Aware of Their ConditionLess than 10%
Highest Risk Age Group40+ Years
Highest Risk EthnicitiesSouth Asian, Black African-Caribbean

Are You at Risk? The Key Factors

While prediabetes can affect anyone, certain factors dramatically increase your likelihood of developing the condition.

  • Weight: Being overweight or obese, particularly with excess fat around the abdomen (visceral fat), is the single biggest risk factor.
  • Age: The risk increases significantly for those over 40.
  • Ethnicity: People of South Asian, Chinese, African-Caribbean, and Black African descent are at a 2-4 times higher risk, often developing the condition at a younger age and a lower BMI.
  • Family History: Having a close relative (parent or sibling) with Type 2 diabetes increases your genetic predisposition.
  • Lifestyle: A sedentary lifestyle with little physical activity and a diet high in processed foods, sugar, and unhealthy fats are major contributors.
  • Other Medical Conditions: A history of high blood pressure, high cholesterol, or gestational diabetes (diabetes during pregnancy) also raises your risk.

The insidious nature of prediabetes lies in its lack of clear symptoms. You might feel perfectly fine while your body is struggling internally. This is why understanding the risk factors and seeking proactive screening is paramount.

The £4 Million+ Lifetime Burden: Deconstructing the True Cost of Inaction

The progression from unchecked prediabetes to Type 2 diabetes and its complications is not just a health decline; it's a financial catastrophe. The eye-watering figure of £4.2 million represents a plausible, devastating lifetime financial impact on an individual and their family, combined with the costs borne by the NHS and society.

Let's break down this shocking figure. We'll follow a hypothetical individual, "David," a 45-year-old office worker who is unknowingly prediabetic.

Illustrative Lifetime Cost Breakdown: From Prediabetes to Complications

Cost CategoryDescriptionEstimated Lifetime Cost
Direct NHS CostsT2D management, GP visits, medication, specialist appointments (podiatry, ophthalmology), hospital stays for complications (heart attack, stroke, kidney dialysis).£350,000+
Personal Health CostsPrescription charges (England), blood glucose monitoring kits, specialised foods, private consultations, physiotherapy.£50,000+
Lost Income (Individual)Time off for appointments, reduced productivity ("presenteeism"), sick leave, potential career stagnation or forced early retirement due to ill health.£500,000 - £1,500,000+
Loss of Family 'Business'Inability to launch or sustain a family business, or a partner having to reduce their own work to become a carer, impacting family wealth creation.£500,000 - £1,000,000+
Eroded Family FutureInability to help children with university fees or house deposits, depleted inheritance due to care costs and reduced wealth.£300,000+
Increased Insurance CostsDrastically higher or unobtainable Life & Critical Illness cover after diagnosis, negating a key financial safety net. (Opportunity Cost)£1,000,000+ (potential payout lost)
Total Potential Lifetime Burden(Sum of the above categories)£4,200,000+

Note: This is an illustrative model. Individual circumstances will vary. The purpose is to demonstrate the multifaceted and severe financial consequences.

This is the brutal reality. A manageable condition, left unchecked, can systematically dismantle a family's financial future. The loss isn't just in pounds and pence; it's in lost opportunities, depleted security, and a future burdened by "what ifs."

From Prediabetes to Devastating Diagnoses: The Health Cascade

Insulin resistance is the root cause of a domino effect that can topple your health. When your blood remains saturated with sugar, it acts like a corrosive agent, damaging tissues and organs throughout your body over time.

1. The Inevitable Slide to Type 2 Diabetes Without intervention, up to 70% of individuals with prediabetes will eventually develop full-blown Type 2 diabetes. At this point, the condition is considered chronic and largely irreversible, requiring lifelong management.

2. The Assault on Your Cardiovascular System High blood sugar and insulin levels are a primary driver of atherosclerosis, the hardening and narrowing of your arteries. This dramatically increases your risk of:

  • Heart Attack: People with diabetes are up to four times more likely to die from heart disease.
  • Stroke: The risk of suffering a stroke is more than doubled.
  • High Blood Pressure (Hypertension): The two conditions are intrinsically linked, creating a vicious cycle of damage to your circulatory system.

3. The Silent Destruction of Your Kidneys Your kidneys contain millions of tiny filtering units called nephrons. Persistently high blood sugar damages these delicate filters, leading to Chronic Kidney Disease (CKD).

  • Diabetes is the leading cause of kidney failure in the UK.
  • In its final stages, it requires gruelling and life-limiting dialysis or a kidney transplant.

4. A Cascade of Other Complications The damage doesn't stop there. Uncontrolled blood sugar can lead to:

  • Diabetic Retinopathy: Damage to the blood vessels in the retina, which is the leading cause of blindness in the UK's working-age population.
  • Diabetic Neuropathy: Nerve damage that often starts in the feet and hands, causing pain, tingling, or a complete loss of sensation. This can lead to unnoticed injuries, infections, and, in severe cases, amputation.
  • Increased risk of certain cancers and dementia.
  • Non-alcoholic fatty liver disease (NAFLD).

This is the stark reality of inaction. Prediabetes is the gateway to a host of conditions that don't just shorten your life; they severely diminish its quality.

Your First Line of Defence: How Private Medical Insurance (PMI) Unlocks Early Detection & Reversal

While the NHS is a national treasure, it is structured primarily for reactive care, treating symptoms and diseases as they arise. When it comes to a silent condition like prediabetes, a proactive approach is essential. This is where Private Medical Insurance (PMI) transforms from a simple healthcare product into a powerful preventative wellness tool.

A modern PMI policy is your pathway to getting ahead of the problem.

The PMI Advantage in the Fight Against Prediabetes

FeatureStandard NHS PathwayPMI-Enhanced Pathway
Initial ConsultationWait for a GP appointment. May not investigate without clear symptoms.Fast access to a private GP, often available 24/7 via phone or video.
Diagnostics & ScreeningBlood tests (like HbA1c) typically offered only if symptomatic or in a high-risk group.Comprehensive health screenings, often included annually, which proactively check key markers like HbA1c, cholesterol, and liver function.
Specialist AccessLong waiting lists to see an NHS endocrinologist or dietitian.Swift referral to a specialist of your choice for expert diagnosis and management plans.
Lifestyle SupportReferral to NHS Diabetes Prevention Programme (if eligible, may have waiting lists).Direct access to wellness benefits: nutritionists, dietitians, personal training plans, and digital health apps.
Mental Health SupportAccess via GP referral, often with significant waiting times.Integrated mental health support, including therapy, to manage stress – a key factor in blood sugar control.
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Reversing the Damage: Wellness Benefits in Action

The real power of a comprehensive PMI policy lies in its suite of wellness and lifestyle benefits. Insurers now recognise that it's far better to keep you healthy than to pay for expensive treatment later.

These benefits can include:

  • Personalised Nutrition Plans: Consultations with registered dietitians who can create a sustainable eating plan to lower your blood sugar and help you lose weight.
  • Digital Fitness Subscriptions: Access to apps and programmes that make regular exercise enjoyable and trackable.
  • Wearable Tech Discounts: Incentives to use devices that monitor your activity levels, sleep, and other vital health metrics.
  • Mental Wellbeing Support: Access to counselling to help manage stress, which directly impacts the hormone cortisol and, consequently, blood sugar levels.

Here at WeCovr, we don't just find you a policy; we find you a partner in your health journey. We specialise in comparing plans from across the market to identify those with the most robust diagnostic and wellness benefits. Furthermore, to show our commitment to your long-term health, we provide all our clients with complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app. It's a practical tool to help you implement the lifestyle changes needed to reverse prediabetes, putting control directly into your hands.

The Financial Safety Net: Shielding Your Future with Life, Critical Illness & Income Protection (LCIIP)

While PMI is your tool for prevention, a robust financial protection plan is your non-negotiable shield against the "what ifs." Securing this cover while you are still healthy or only have prediabetes is one of the most financially astute decisions you can make. Once a diagnosis of Type 2 diabetes or a related complication like a heart attack is on your medical record, the cost of this vital cover can skyrocket, or it may become unavailable to you altogether.

This suite of products – Life, Critical Illness, and Income Protection (LCIIP) – forms the bedrock of your family's financial resilience.

Protection ProductWhat It DoesIts Role in the Face of Prediabetes
Life InsurancePays a tax-free lump sum to your loved ones if you pass away during the policy term.Secures your mortgage and provides for your family's future living costs. Crucially, a prediabetes diagnosis may only slightly increase premiums, whereas a T2D diagnosis can make it much more expensive.
Critical Illness CoverPays a tax-free lump sum if you are diagnosed with a specific, serious illness listed in the policy.Acts as a vital buffer against the major health events that stem from diabetes: heart attack, stroke, kidney failure, certain types of blindness. This money can adapt your home, clear debts, or fund private treatment.
Income ProtectionProvides a regular, tax-free replacement income (typically 50-65% of your gross salary) if you are unable to work due to illness or injury.This is your "financial cure." It replaces lost earnings, protecting you from the single biggest financial threat of chronic illness and allowing you to focus on recovery without worrying about the bills.

Waiting until you need it is too late. The time to build your financial fortress is when the skies are clear. Prediabetes is the storm cloud on the horizon – a clear signal to act now.

Applying for Cover with Prediabetes: An Honest Guide

One of the most common questions we hear is: "Can I still get insurance if I've been told I have prediabetes?" The answer is, in most cases, a resounding yes. Moreover, it's the absolute best time to apply.

Insurers will want to understand how well you are managing the condition. Honesty and transparency are vital during the application process.

The Underwriting Process: What Insurers Want to Know

When you apply, you'll be asked about:

  • Your Latest HbA1c Reading: This is the key blood test that shows your average blood sugar over the last 2-3 months. A reading below 48 mmol/mol is the goal.
  • Your BMI (Body Mass Index): Your height-to-weight ratio.
  • Blood Pressure and Cholesterol Levels: Other key indicators of your cardiovascular health.
  • Lifestyle Changes: Crucially, they want to see what you are doing about it. Have you changed your diet? Are you exercising regularly? Have you lost weight?

Demonstrating proactive management can make a huge difference to the outcome.

Possible Application Outcomes

  1. Standard Rates: If your HbA1c is well-controlled, your BMI is healthy, and you have no other complications, you may be offered insurance at the standard price.
  2. Premium Loading: If your readings are higher or there are other risk factors, the insurer may increase your premium by a certain percentage (a "loading") to reflect the increased risk. This is still far preferable to being uninsurable later.
  3. Exclusion: Less common for prediabetes, but an insurer could potentially offer cover with an exclusion for claims related to diabetes. This requires careful consideration.
  4. Postponement: If your readings are very recent or unstable, an insurer might postpone their decision for 3-6 months to see if your lifestyle changes bring your numbers down. This is a positive signal to continue your efforts.

Navigating this process can be complex. Working with an expert broker like WeCovr is invaluable. We understand the nuances of each insurer's underwriting philosophy. We know which insurers take a more favourable view of well-managed prediabetes and can present your case in the best possible light, ensuring you get the most comprehensive cover at the fairest price.

Taking Control Today: Your Action Plan to Reverse Prediabetes and Secure Your Future

The diagnosis of prediabetes is not a sentence; it's a turning point. It's an opportunity to take decisive action to reclaim your health and safeguard your financial future. Here is your evidence-based action plan.

Step 1: Master Your Diet

Food is your most powerful medicine. The goal is to stabilise your blood sugar and improve your body's sensitivity to insulin.

  • Embrace Whole Foods: Build your meals around vegetables, lean proteins (chicken, fish, beans), healthy fats (avocado, nuts, olive oil), and high-fibre carbohydrates (quinoa, oats, whole grains).
  • Eliminate Liquid Sugar: Sugary drinks, fruit juices, and sweetened coffees are the worst offenders. Switch to water, herbal teas, or black coffee.
  • Reduce Refined Carbs & Processed Foods: Cut back on white bread, pasta, pastries, and ready meals. These cause rapid spikes in blood sugar.
  • Control Portions: Use a smaller plate and be mindful of serving sizes.

Step 2: Make Movement Non-Negotiable

Exercise makes your muscles more sensitive to insulin, so your body needs less of it to manage blood sugar.

  • Aim for 150 Minutes: The NHS recommends(nhs.uk) at least 150 minutes of moderate-intensity activity per week. This could be 30 minutes of brisk walking, five days a week.
  • Add Strength Training: Twice a week, incorporate activities that build muscle, such as lifting weights, using resistance bands, or bodyweight exercises (squats, push-ups). More muscle means more places for glucose to go.

Step 3: Address Other Lifestyle Factors

  • Manage Weight: Losing just 5-7% of your body weight can slash your risk of developing Type 2 diabetes by over 50%.
  • Prioritise Sleep: Aim for 7-8 hours of quality sleep per night. Poor sleep disrupts hormones that regulate appetite and blood sugar.
  • Reduce Stress: Chronic stress raises cortisol, which in turn raises blood sugar. Practice mindfulness, yoga, or spend time in nature.

Step 4: Conduct a Financial Health Check

Just as you get a health check-up, you must perform a financial one.

  1. Assess Your Vulnerability: If you were unable to work tomorrow, how long would your savings last?
  2. Review Existing Cover: Do you have any protection through your employer? Is it enough? Employer schemes often cease if you leave the job.
  3. Quantify Your Need: Calculate the value of your mortgage, your annual family expenses, and any future costs you want to cover.
  4. Seek Expert Advice: Don't navigate this alone. Speak to an independent protection adviser who can assess your unique situation and search the whole market for the right solutions.

Your Future is in Your Hands

The silent creep of prediabetes across the UK is a clear and present danger to our collective health and individual financial security. It represents a fork in the road for millions of Britons. One path leads to chronic illness, diminished quality of life, and a legacy of financial strain. The other path, paved with proactive lifestyle changes and smart financial planning, leads to a long, healthy, and prosperous future.

By leveraging the preventative power of Private Medical Insurance and erecting the unbreachable financial shield of Life, Critical Illness, and Income Protection, you are not just buying a policy; you are investing in certainty. You are taking control.

Don't be a statistic in the 2025 crisis. Be the author of your own success story. Take the first step today to understand your risk, improve your health, and secure your financial destiny.


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!

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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