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UK Prediabetes Crisis 1 in 3 At Risk

UK Prediabetes Crisis 1 in 3 At Risk 2026

UK 2025 Shock New Data Reveals Over 1 in 3 Britons Secretly Battle Prediabetes, Fueling a Staggering £4 Million+ Lifetime Burden of Type 2 Diabetes, Heart Disease, Kidney Failure & Eroding Life Expectancy – Is Your PMI Pathway to Early Intervention & LCIIP Shield Protecting Your Familys Health & Financial Future

A silent health crisis is unfolding across the United Kingdom. New analysis for 2025 reveals a shocking statistic: more than one in three British adults are now living with prediabetes, many completely unaware of the ticking time bomb within their bodies. That’s over 18 million people on a perilous path towards a future fraught with chronic illness and staggering financial cost.

This isn't just a health warning; it's an economic tsunami waiting to happen. The lifetime cost associated with a single individual progressing from prediabetes to severe, complication-ridden Type 2 diabetes can spiral beyond £4.2 million. This astronomical figure isn’t just about NHS treatment; it encompasses lost earnings, private care, home modifications, and the devastating impact on a family's financial security.

The progression from prediabetes is not inevitable. It is a critical warning sign and, more importantly, a window of opportunity to act. In this definitive guide, we will unpack the scale of the UK's prediabetes epidemic, explore the devastating long-term consequences, and reveal how a two-pronged strategy—using Private Medical Insurance (PMI) for early intervention and a robust Life, Critical Illness, and Income Protection (LCIIP) shield for financial security—is essential to protect your family’s health and wealth.

The Silent Epidemic: Unpacking the UK's 2025 Prediabetes Crisis

Prediabetes is a serious health condition where blood sugar levels are higher than normal, but not yet high enough to be diagnosed as Type 2 diabetes. Think of it as the final warning shot from your body. Your pancreas is struggling to produce enough insulin, or your cells are becoming resistant to the insulin it does produce, leading to a build-up of glucose in your bloodstream.

The "silent" nature of this epidemic is what makes it so dangerous. Unlike many illnesses, prediabetes often has no clear symptoms. You can feel perfectly healthy while your risk of developing debilitating chronic diseases quietly escalates. Projections based on escalating trends from Diabetes UK(diabetes.org.uk) and NHS Digital data indicate that by 2025, this condition affects a staggering portion of the population, driven by lifestyle shifts, an ageing population, and a lack of public awareness.

Who is most at risk?

  • Age: Individuals over 40 are at a higher risk.
  • Weight: Being overweight or obese is the single biggest risk factor.
  • Waist Size: A large waist circumference (over 31.5 inches for women, 37 inches for most men, and 35 inches for South Asian men) indicates dangerous visceral fat around your organs.
  • Ethnicity: People of South Asian, African-Caribbean, or Black African descent are 2 to 4 times more likely to develop Type 2 diabetes.
  • Family History: Having a close relative with Type 2 diabetes increases your risk significantly.
  • Lifestyle: A sedentary lifestyle and a diet high in processed foods, sugar, and unhealthy fats are major contributors.

Prediabetes vs. Type 2 Diabetes: Understanding the Difference

It's crucial to understand that while linked, these are distinct stages. Prediabetes is a reversible condition; Type 2 diabetes is a chronic, lifelong illness.

FeaturePrediabetesType 2 Diabetes
Blood SugarHigher than normalConsistently very high
Diagnosis (HbA1c)42-47 mmol/mol48 mmol/mol or over
SymptomsUsually noneIncreased thirst, frequent urination, fatigue, blurred vision
ReversibilityOften reversible with lifestyle changesA managed chronic condition, not reversible
TreatmentDiet, exercise, weight lossMedication, insulin, lifestyle management
Insurance ImpactMay cause premium loadingSignificant impact on premiums & eligibility

The Ticking Time Bomb: From Prediabetes to a Lifetime of Chronic Illness

Without intervention, up to 30% of people with prediabetes will develop full-blown Type 2 diabetes within just five years. But the danger doesn't stop there. The elevated blood sugar levels associated with prediabetes are already causing damage to your body, dramatically increasing your risk of several devastating conditions.

The progression is a cascade of systemic failures:

  1. Type 2 Diabetes: The most immediate threat. This diagnosis changes your life forever, requiring constant monitoring, medication, and dietary discipline.
  2. Cardiovascular Disease: The leading cause of death for people with Type 2 diabetes. The British Heart Foundation(bhf.org.uk) confirms that adults with diabetes are two to three times more likely to develop heart and circulatory diseases. This includes heart attacks and strokes.
  3. Kidney Disease (Diabetic Nephropathy): Diabetes is the number one cause of kidney failure in the UK. Many people end up requiring gruelling dialysis sessions or waiting on a transplant list.
  4. Nerve Damage (Diabetic Neuropathy): High blood sugar can damage nerves throughout your body, leading to pain, tingling, or numbness, particularly in the feet. In severe cases, this can lead to infections and amputations.
  5. Vision Loss (Diabetic Retinopathy): Diabetes is a leading cause of preventable sight loss in the UK working-age population. It damages the blood vessels in the retina, potentially leading to blindness if not caught and treated.
  6. Increased Cancer Risk: Research has shown links between high blood sugar, insulin resistance, and an increased risk of developing certain types of cancer, including liver, pancreatic, and colorectal cancer.

This isn't just a list of potential ailments; it's a roadmap of how prediabetes can systematically dismantle your health and erode your quality of life, ultimately reducing your life expectancy.

The Staggering £4 Million+ Lifetime Burden: Counting the True Cost

The headline figure of a £4.2 million lifetime burden may seem shocking, but it reflects the catastrophic, multi-faceted financial impact that a severe case of complication-ridden Type 2 diabetes can have on an individual and their family, particularly a high-earning professional. This is the "total economic footprint" of the disease.

Let's break down how these costs accumulate over a lifetime.

Breakdown of the Lifetime Financial Burden

Cost CategoryDescriptionEstimated Lifetime Impact (Illustrative)
Lost Earnings & ProductivityTime off for appointments, sick days, reduced performance due to fatigue, or forced early retirement from a high-paying career due to severe complications (e.g., blindness, amputation). A professional earning £100k+ could lose decades of income.£1,500,000 - £2,500,000+
Private Medical & Care CostsNHS waiting lists for specialist care or surgery can be long. Many opt for private consultations, treatments, preventative therapies, and eventually, extensive private social care or nursing home fees when complications become unmanageable.£500,000 - £1,000,000+
Direct NHS Costs (Societal)While not a direct cost to you, the burden you place on the NHS is immense. The NHS spends at least £10 billion a year on diabetes, with almost 80% of that on treating complications. This is a societal cost your condition contributes to.£300,000 - £500,000
Home & Vehicle ModificationsComplications like neuropathy, amputation, or vision loss may require significant and costly adaptations to your home (ramps, stairlifts, wet rooms) and vehicle.£50,000 - £150,000
Medication & EquipmentWhile some prescriptions are free, the cost of advanced glucose monitors, insulin pumps, specialised dietary foods, and other supplies can add up significantly over a lifetime.£30,000 - £100,000
Intangible CostsThe cost of lost opportunities, family strain, and the impact on the mental health and earning potential of family members who may become carers. This is hard to quantify but financially devastating.Incalculable
Total Estimated BurdenThe cumulative total of these direct, indirect, and societal costs.£2,380,000 - £4,250,000+

This illustrates how quickly the costs can escalate far beyond simple prescription charges, creating a legacy of financial hardship for your entire family.

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Your First Line of Defence: How Private Medical Insurance (PMI) Tackles Prediabetes Head-On

While the NHS is a national treasure, it is a system designed primarily for acute treatment, not proactive prevention. When it comes to a silent condition like prediabetes, waiting for the overstretched NHS to intervene can mean you lose the crucial window of opportunity to reverse the condition.

This is where Private Medical Insurance (PMI) becomes your most powerful tool for early intervention. A modern PMI policy is no longer just about skipping queues for surgery; it's a comprehensive health and wellness partnership.

How PMI Puts You in Control

  • Swift GP Access: Many policies offer 24/7 digital GP services, allowing you to discuss concerns and get a referral for blood tests in hours, not weeks.
  • Comprehensive Health Screenings: Premium PMI plans often include regular, in-depth health screenings as a benefit. These go far beyond a basic check-up, measuring key markers like HbA1c (the gold standard for diagnosing prediabetes), cholesterol, and liver function.
  • Rapid Specialist Referrals: If your screening flags a concern, PMI gives you direct access to specialists like endocrinologists, dietitians, and cardiologists, bypassing lengthy NHS waiting lists.
  • Proactive Wellness Programmes: Insurers are increasingly focused on keeping you healthy. Many top-tier policies include access to wellness programmes, nutrition consultations, mental health support, and even discounted gym memberships and fitness trackers to empower you to make lasting lifestyle changes.

NHS vs. PMI for Prediabetes Management: A Comparison

FeatureNHS PathwayPrivate Medical Insurance (PMI) Pathway
DiagnosisRelies on opportunistic testing during GP visits or the NHS Health Check (for ages 40-74).Proactive, regular, in-depth health screenings often included as a policy benefit.
GP AccessWaiting times for routine appointments can be weeks.Digital or in-person appointments available within hours or days.
Specialist AccessLong waiting lists for dietitians or endocrinologists are common.Rapid referrals and consultations within days or weeks.
FocusPrimarily reactive, treating symptoms and diagnosed conditions.Increasingly proactive, focusing on prevention and wellness to reduce future claims.
Tools & SupportLimited to NHS resources like the Diabetes Prevention Programme (if eligible).Access to a wide range of tools: wellness apps, nutritionists, health coaching, gym discounts.

PMI shifts the dynamic from waiting for a problem to actively preventing one, giving you the best possible chance of reversing prediabetes before it takes hold.

The Financial Safety Net: Why Life, Critical Illness & Income Protection (LCIIP) is Non-Negotiable

If lifestyle changes and PMI represent your strategy for preventing the disease, then Life, Critical Illness, and Income Protection insurance is your non-negotiable financial fortress in case prevention isn't enough. A diagnosis of prediabetes is a clear signal that your risk profile for a major health event has increased. Securing this protection now is exponentially smarter and cheaper than waiting until it's too late.

Critical Illness Cover: The Shield Against Complications

It's a common misconception that a Type 2 diabetes diagnosis itself will trigger a critical illness payout. In most cases, it won't. However, the serious and far-more-common complications of diabetes are almost always covered.

A critical illness policy pays out a tax-free lump sum upon diagnosis of a specified condition. For someone on the prediabetes pathway, this provides a vital safety net against:

  • Heart Attack: A major risk for those with diabetes.
  • Stroke: Another common and debilitating cardiovascular event.
  • Kidney Failure: Covering the need for permanent dialysis.
  • Blindness: Covering permanent and irreversible loss of sight.
  • Major Organ Transplant: Such as a kidney or pancreas transplant.
  • Amputation: Covering the loss of a limb as a result of complications.

This lump sum can be used to pay off your mortgage, cover the costs of private treatment, adapt your home, or simply provide financial breathing room for your family during a crisis.

Income Protection: The Guardian of Your Salary

What is the biggest threat to your financial plan? Losing your ability to earn an income. The complications of diabetes are a leading cause of long-term sickness absence from work. Chronic fatigue, regular hospital appointments, recovery from surgery, or managing dialysis can make full-time work impossible.

Income Protection is designed for exactly this scenario. It pays you a regular, tax-free monthly income (typically 50-60% of your gross salary) if you are unable to work due to illness or injury. It continues to pay out until you can return to work, your policy term ends, or you retire. It is the bedrock of any financial plan, ensuring your bills are paid and your lifestyle is maintained even when your health fails you.

At WeCovr, we frequently help clients navigate the complexities of applying for protection insurance with conditions like prediabetes. Our expertise lies in understanding the nuances of different insurers' underwriting philosophies, ensuring we can position your application to achieve the best possible outcome.

Life Insurance: The Foundation of Your Family's Future

A prediabetes diagnosis is a wake-up call. It's a clear indicator of increased mortality risk, which is precisely what life insurance underwriters assess. The longer you wait, and the further your health declines, the more expensive and difficult it becomes to get the cover your family deserves.

Securing a robust life insurance policy now, while your condition is still manageable or even reversible, is one of the most financially astute moves you can make. It ensures that, should the worst happen, a lump sum will be paid out to your loved ones, allowing them to:

  • Clear the mortgage and other debts.
  • Cover funeral expenses.
  • Provide for daily living costs and future education.
  • Maintain their standard of living without your income.

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

The most empowering fact about prediabetes is that it is often reversible. The NHS Diabetes Prevention Programme(england.nhs.uk) has shown that with focused lifestyle changes, many people can return their blood sugar levels to a healthy range.

Here is your actionable plan to take back control.

1. Know Your Numbers: The first step is diagnosis. Don't wait for symptoms. If you have any risk factors, ask your GP for an HbA1c blood test, or use the health screening benefits within a PMI policy.

2. Revolutionise Your Diet: This isn't about extreme dieting; it's about sustainable change.

  • Reduce Sugar & Refined Carbs: Cut back on sugary drinks, sweets, white bread, pasta, and rice.
  • Embrace the Mediterranean Diet: Focus on whole grains, lean proteins (fish, chicken), healthy fats (olive oil, avocados, nuts), and a rainbow of vegetables.
  • Portion Control: Use smaller plates and be mindful of serving sizes.

3. Move Your Body: Exercise makes your cells more sensitive to insulin, helping to control blood sugar.

  • Aim for 150 Minutes: The NHS recommends at least 150 minutes of moderate-intensity activity per week. This could be a brisk 30-minute walk five days a week.
  • Add Strength Training: Building muscle helps your body manage glucose more effectively. Aim for two sessions per week.

4. Manage Your Weight: Losing just 5-10% of your body weight can have a dramatic impact on your blood sugar levels and can even be enough to reverse prediabetes entirely.

To support our clients beyond just insurance, WeCovr provides complimentary access to our proprietary AI-powered calorie tracking app, CalorieHero. It's a powerful, user-friendly tool to help you monitor your intake, make informed dietary choices, and take tangible steps on your health journey. It’s another way we invest in our clients' long-term wellbeing.

Your 7-Day Prediabetes Reversal Kick-start Plan

DayFocusActivityMeal Tip
1Hydration & Planning30-min walkDitch sugary drinks for water. Plan your week's meals.
2Go Green30-min walkEnsure half your plate at lunch & dinner is vegetables.
3Strength20-min bodyweight circuitAdd a lean protein source (e.g., chicken breast) to your main meal.
4Active Recovery45-min gentle walkSwap white bread for wholemeal or rye.
5Cardio Boost20-min jog or cycleSnack on a handful of unsalted nuts instead of crisps.
6Mindful Eating30-min walkEat slowly, without distractions. Savour each bite.
7Review & RewardStrength or long walkCook a new, healthy recipe. Review your week's progress.

"Can I still get insurance if I'm prediabetic?" This is one of the most common questions we hear, and the answer is a resounding yes, absolutely. However, the outcome of your application will depend heavily on how well-managed your condition is and, crucially, how your application is presented.

When you apply for life, critical illness, or income protection cover, insurers will want to know:

  • Your Latest HbA1c Reading: This is the key metric. A reading at the lower end of the prediabetic range (e.g., 42-44 mmol/mol) is viewed much more favourably than one bordering on a full diagnosis (47 mmol/mol).
  • Your BMI (Body Mass Index): Insurers have strict BMI criteria. Being within a healthy weight range significantly improves your chances.
  • Blood Pressure & Cholesterol: They want to see a complete picture of your cardiovascular health.
  • Lifestyle Factors: They will ask about smoking, alcohol consumption, and exercise.
  • Action Taken: Demonstrating that you are actively trying to reverse the condition (e.g., through diet and exercise) is a huge positive.

Potential Underwriting Outcomes

  1. Standard Rates: Best-case scenario. If your HbA1c is low, your BMI is good, and you're proactive, you may get cover at the standard price.
  2. Premium Loading: The most common outcome. The insurer will offer you cover but at an increased price (a "loading") to reflect the higher risk. This could be an extra 50-150% on top of the standard premium.
  3. Exclusions: Less common for prediabetes itself, but an insurer might apply an exclusion for diabetes-related conditions if your readings are very high.
  4. Postponement: If your readings are very high or you've only recently been diagnosed, an insurer may postpone their decision for 6-12 months to see if your levels improve with lifestyle changes.

This is where working with an expert independent broker like WeCovr is not just helpful, it's essential. We know the entire market. We know which insurer is more lenient on BMI, which one has the most favourable view of improving HbA1c readings, and which one offers the best overall value for someone with your specific health profile. Applying to the wrong insurer directly can result in a decline, which you must then declare on all future applications, making it harder to get cover elsewhere. We prevent that mistake by matching you with the right insurer from the start.

Conclusion: Your Health and Wealth are Intertwined – Act Now

The UK's prediabetes crisis is not a future problem; it is here now, affecting millions and silently laying the groundwork for a future of poor health and financial distress. The potential for a £4.2 million lifetime financial burden is a stark reminder that your physical health and your financial wealth are inextricably linked.

But you are not powerless. This is a battle that can be won with a proactive, two-pronged approach:

  1. Attack the Problem: Use the tools of early intervention. A Private Medical Insurance policy can provide the fast-track diagnostics and wellness support you need to reverse prediabetes before it causes irreversible harm.
  2. Defend Your Future: Build an impenetrable financial fortress. A robust portfolio of Life, Critical Illness, and Income Protection insurance ensures that if your health does falter, your family's financial future remains secure.

Do not wait for a diagnosis to become your motivation. The time to act is now. Get screened, understand your personal risk, and implement the lifestyle changes that can change your destiny. Most importantly, speak to an expert to ensure your financial safety net is in place. Your future self—and your family—will thank you for it.


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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