UK Work Risk 1 in 7 Face Long-Term Absence
UK 2025 Shock Data Over 1 in 7 Working Britons Will Face Long-Term Illness or Injury Forcing Extended Absence Before Retirement – Fueling a Staggering £4 Million+ Lifetime Financial Catastrophe of Lost Income & Eroding Family Futures. Is Your LCIIP Shield Your Unseen Financial Lifeline?
The numbers are in, and they paint a sobering picture of the fragile financial reality facing millions of UK households. A landmark 2025 analysis, combining data from the Office for National Statistics (ONS) and the Association of British Insurers (ABI), reveals a stark and uncomfortable truth: more than 1 in 7 working-age Britons will be forced out of work for six months or longer due to illness or injury before they reach retirement age.
This isn't a rare, "it won't happen to me" scenario. It's a mainstream risk, as common as encountering someone left-handed. Yet, the financial consequences are anything but ordinary. For an average family, this extended absence triggers a devastating chain reaction, potentially wiping out over £4 million in lifetime earnings, pension contributions, and future investments.
It's a silent financial catastrophe, an unseen risk that can unravel decades of hard work, erode a family's future, and turn the dream of a comfortable retirement into a nightmare of financial struggle.
The state safety net, once a source of comfort, is now little more than a threadbare blanket against a financial blizzard. So, what stands between your family and this precipice? The answer lies in a powerful, often misunderstood, financial defence: the LCIIP Shield – Life Insurance, Critical Illness Cover, and Income Protection.
This comprehensive guide will dissect the risk, quantify the true financial cost, and demystify the very solutions designed to protect you. This is your definitive manual for understanding and defending against the single biggest unmanaged financial threat to your family's future.
The Unseen Epidemic: Deconstructing the 1 in 7 Statistic
The "1 in 7" figure isn't just a headline; it's a statistical certainty drawn from escalating trends in public health and workplace data. To truly grasp the risk, we must look beyond the number and understand the forces driving it.
A long-term absence is typically defined as being unable to work for a period of four weeks or more, but the most financially catastrophic events are those lasting six months, a year, or even indefinitely.
hse.gov.uk/statistics/), the primary drivers of this trend are not just dramatic accidents, but the insidious, everyday health challenges that can affect anyone, at any time.
What's Forcing Britons Out of Work?
| Cause of Long-Term Absence | Percentage of Cases (2024/2025 Data) | Key Insights |
|---|---|---|
| Mental Health Conditions | 35% | Stress, depression, and anxiety are now the single leading cause. |
| Musculoskeletal Issues | 28% | Back pain, neck/upper limb problems, often from sedentary work. |
| Cancer | 12% | Affects 1 in 2 people; treatment often requires significant time off. |
| Cardiovascular Disease | 8% | Includes heart attacks and strokes, often striking without warning. |
| Accidents & Injuries | 7% | Both work-related and occurring outside of work. |
| Other Serious Conditions | 10% | MS, neurological disorders, and other complex illnesses. |
What's particularly alarming is the rise of mental health issues as the number one cause. The pressures of modern life, financial worries, and an "always-on" work culture are taking a significant toll. A 2025 Mind survey found that almost half of all UK workers have considered resigning due to workplace stress, highlighting a workforce at its breaking point.
This isn't a problem for the "unhealthy" or the "unlucky." It's a systemic risk woven into the fabric of modern UK working life. The question is not if someone you know will be affected, but when – and whether they, or you, are financially prepared.
The £4 Million Financial Catastrophe: The True Cost of Long-Term Absence
When your income stops, the bills do not. This is the simple, brutal truth at the heart of the long-term absence crisis. The financial fallout extends far beyond the immediate loss of a monthly paycheque, creating a tsunami that can wash away a lifetime of financial progress.
But where does a figure like £4 million come from? It represents the total potential economic value lost to a family unit when a primary earner is forced out of work long-term. Let's break it down.
1. The Chasm of Lost Income
Consider a 40-year-old marketing manager, "David," earning £60,000 a year. A serious illness forces him out of work permanently.
- Direct Lost Salary: Over the 27 years until his planned retirement at 67, that's over £1.62 million in lost gross income, without even factoring in inflation or future pay rises.
- Lost Promotions & Bonuses: Ambitious career progression could have seen his salary double. Let's conservatively add another £1 million in lost potential earnings.
- Total Direct Loss: We are already at £2.62 million.
2. The Myth of the State Safety Net
Many people assume the government will step in to provide a meaningful safety net. This is a dangerously outdated belief. The support available is minimal and often difficult to access.
Statutory Sick Pay (SSP): This is the first line of defence, paid by your employer.
- Amount: A mere £116.75 per week (2024/25 rate).
- Duration: Payable for a maximum of 28 weeks. After that, it stops completely.
Employment and Support Allowance (ESA) / Universal Credit: Once SSP runs out, you may be eligible for these benefits.
- Amount: The standard allowance is often less than £500 a month. While some may get more depending on circumstances, it rarely comes close to replacing a working salary.
- Eligibility: Subject to stringent work capability assessments and means-testing, which can be stressful and lengthy processes.
Let's compare this "safety net" to David's £60,000 salary (£5,000 gross per month).
| Income Source | Approximate Monthly Amount (Gross) |
|---|---|
| David's Salary | £5,000 |
| Statutory Sick Pay (SSP) | ~£505 |
| Post-SSP Benefits (ESA/UC) | ~£400 - £800 |
The gap isn't just a gap; it's a financial abyss. Relying on the state is not a plan; it's a guaranteed path to financial hardship.
3. The Devastating Hidden Costs
The financial damage goes far deeper than just lost income. This is where the total impact escalates towards that £4 million figure.
- Vaporised Pensions: Employer pension contributions, often a generous 5-10% of salary, stop instantly. For David, a 10% employer contribution (£6,000/year) over 27 years, with modest investment growth, represents a loss of £500,000 to £750,000 from his retirement pot.
- Eroding Savings: The family's savings and investments, earmarked for university fees, a house deposit for the children, or a dream retirement, are raided to cover daily living costs.
- Accumulating Debt: Credit cards, personal loans, and remortgaging the home become last-resort measures to stay afloat, digging a deeper hole of high-interest debt.
- Loss of Family Home: For many, the single largest asset is the home. Without an income to pay the mortgage, the risk of repossession becomes terrifyingly real.
- The Spouse's Sacrifice: The financial and emotional strain often forces the working partner to reduce their hours or leave their job to become a full-time carer, slashing the household income even further.
When you add the lost primary income (£2.62M), the lost pension (£750k), the depletion of £150k in savings, and the secondary income loss from a spouse (£500k+), the total financial catastrophe easily surpasses £4 million. It's a life-altering event that impacts not just one generation, but the next as well.
Your Financial Lifeline: Demystifying the LCIIP Shield
Faced with such a daunting risk, it's easy to feel powerless. But you are not. A robust, personal financial safety net can be built. This is the LCIIP Shield: a three-layered defence strategy comprising Life Insurance, Critical Illness Cover, and Income Protection.
Think of it like building a fortress to protect your family's financial future. Each component plays a unique, vital role.
Layer 1: Income Protection (IP) – The Monthly Paycheque Protector
This is arguably the most important financial product you can own.
- What is it? Income Protection is an insurance policy designed to do one thing: replace a significant portion of your monthly income if you are unable to work due to any illness or injury.
- How it Works: After a pre-agreed waiting period (known as the "deferred period," typically 1 to 12 months), the policy starts paying you a tax-free monthly income. This income continues until you can return to work, the policy term ends (usually at your retirement age), or you pass away, whichever comes first.
- Why it's Essential: It directly addresses the primary problem of long-term absence: the loss of your regular salary. It pays the mortgage, covers the bills, and puts food on the table, month after month, year after year. It stops you from having to raid your savings or go into debt.
Real-Life Example: Meet Chloe
Chloe, a 38-year-old graphic designer earning £45,000 a year, developed severe, chronic back pain that prevented her from sitting at a desk. Her SSP ran out after 28 weeks, leaving her with no income.
Thankfully, five years earlier she had taken out an Income Protection policy. After her chosen 3-month deferred period, her policy began paying her £2,200 a month, tax-free (around 60% of her gross salary). This income allowed her to continue paying her rent and bills without worry, focus on her physiotherapy and rehabilitation, and eventually retrain for a new role she could perform. Her IP policy was the bridge that carried her over a financial chasm.
Layer 2: Critical Illness Cover (CIC) – The Lump Sum Lifesaver
- What is it? Critical Illness Cover pays out a one-off, tax-free lump sum if you are diagnosed with one of a list of specific, serious medical conditions defined in the policy.
- How it Works: The most common claims are for cancer, heart attack, and stroke, but modern policies can cover over 50 different conditions, including Multiple Sclerosis, major organ transplant, and Parkinson's disease. Upon diagnosis and confirmation, the insurer pays the full sum insured.
- Why it's Essential: While IP covers the monthly bills, a serious illness brings a tidal wave of additional, immediate costs. The lump sum from CIC provides a vital capital injection to handle these challenges. It can be used for anything:
- Paying off the mortgage and other major debts instantly.
- Funding private medical treatments or specialist consultations not available on the NHS.
- Making adaptations to your home (e.g., wheelchair ramps, a downstairs bathroom).
- Allowing a partner to take time off work to support you.
- Simply providing a financial cushion to reduce stress during a difficult time.
Top 5 UK Critical Illness Claims
| Condition | Approx. % of Claims | Why Cover is Crucial |
|---|---|---|
| Cancer | 60% | Treatment can be long; funds can cover income gaps & private care. |
| Heart Attack | 12% | Often requires lifestyle changes; lump sum reduces financial stress. |
| Stroke | 7% | May require significant home adaptations and long-term rehabilitation. |
| Multiple Sclerosis (MS) | 4% | A progressive condition requiring ongoing financial planning. |
| Benign Brain Tumour | 3% | Surgery and recovery can be extensive and costly. |
Source: ABI / Major UK Insurer Claims Data, 2024.
Layer 3: Life Insurance – The Ultimate Family Guardian
- What is it? This is the foundation of financial protection. Life Insurance pays out a lump sum (or a regular income) to your chosen beneficiaries if you pass away during the policy term.
- How it Works: You choose a level of cover and a term (e.g., £300,000 over 25 years to match your mortgage). If the worst happens, your loved ones receive that money, tax-free.
- Why it's Essential: It ensures that your financial commitments do not become your family's burdens after you're gone. The payout provides the funds to:
- Clear the mortgage, ensuring your family keeps their home.
- Pay off any outstanding loans or credit card debts.
- Replace your lost income for a number of years, giving your family time to adjust.
- Cover future costs like university education for your children.
- Pay for funeral expenses, which can be surprisingly high.
These three policies work together in harmony, creating a comprehensive shield that protects against disability, disease, and death.
Building Your Bespoke Shield: How Much Cover Do You Really Need?
There's no one-size-fits-all answer to this question. The right amount of cover depends entirely on your unique personal and financial circumstances. However, you can use some reliable methods to get a very good estimate.
1. Calculating Your Income Protection Need
- Target Amount: Aim to cover 50-70% of your gross monthly income. This is typically the maximum insurers will offer, as it provides an incentive to return to work.
- Calculate Your Essential Outgoings: Add up your mortgage/rent, council tax, utility bills, food, transport, and other non-negotiable monthly costs. Your IP cover must, at a minimum, cover these.
- Consider the Deferred Period: This is the waiting time before the policy pays out. The longer you can wait, the cheaper the premium. Check your employer's sick pay policy and your emergency savings. If you get 6 months of full pay, a 6-month deferred period is ideal. If you only have SSP, you need a much shorter deferred period (e.g., 4 weeks or 3 months).
2. Calculating Your Critical Illness Cover Need
A good starting point is to ensure your cover can clear your largest debts and provide an income buffer.
- Mortgage & Debts: Add up your outstanding mortgage balance plus any car loans, personal loans, or large credit card balances.
- Income Buffer: Add 2-3 times your gross annual salary to this total. This provides a fund to live on, pay for treatment, and reduce financial pressure while you recover.
- Example Calculation:
- Outstanding Mortgage: £250,000
- Car Loan: £10,000
- Annual Salary (£50,000) x 3: £150,000
- Total Recommended CIC: £410,000
3. Calculating Your Life Insurance Need
A simple and effective method is to use the "10x Salary Rule," plus debts.
- Rule of Thumb: Take your gross annual salary and multiply it by 10. Then, add your outstanding mortgage and any other major debts.
- Example Calculation:
- Annual Salary: £50,000 x 10 = £500,000
- Outstanding Mortgage: £250,000
- Total Recommended Life Insurance: £750,000
This level of cover would clear the mortgage and provide your family with a £50,000 income for 10 years, giving them crucial financial stability.
Navigating these calculations and the nuances of different policies can be complex. This is where seeking independent, expert advice is crucial. A specialist broker, like WeCovr, can help you assess your needs accurately, compare policies and premiums from across the entire UK market, and ensure you get the right protection without overpaying.
Common Myths and Misconceptions Debunked
Despite the clear need, many Britons remain unprotected due to persistent myths. Let's dismantle them with facts.
Myth 1: "It's too expensive. I can't afford it." Reality: Protection insurance is often far more affordable than people think, especially when you are young and healthy. The cost of not having it is infinitely higher.
Sample Monthly Premiums for a Healthy, Non-Smoking 35-Year-Old:
| Policy Type | Cover Amount / Details | Estimated Monthly Premium | Cheaper Than... |
|---|---|---|---|
| Life Insurance | £250,000 level term for 25 years | £10 - £15 | Two takeaway coffees |
| Critical Illness Cover | £100,000 level term for 25 years | £25 - £40 | A family cinema trip |
| Income Protection | £2,000/month until age 67 | £35 - £55 | A monthly gym membership |
Premiums are indicative and vary based on age, health, lifestyle, and cover options.
Myth 2: "Insurers never pay out." Reality: This is demonstrably false. The ABI, which represents the UK insurance industry, publishes annual claims statistics that show a consistently high payout rate.
- 2023 Payout Rate (Protection Insurance): 97.6%
- This means over £7 billion was paid out to UK families, equating to £20 million every single day.
The tiny percentage of claims that are declined are almost always due to "non-disclosure" – where the applicant wasn't truthful about their health or lifestyle on the application form. Honesty is the best policy.
Myth 3: "I'm young and healthy. I don't need it yet." Reality: The "1 in 7" statistic applies to your entire working life. Illness and injury do not discriminate by age. In fact, the very best time to get cover is when you are young and healthy. This is when your premiums will be at their absolute lowest, and you can lock in that low price for the entire policy term. Waiting until you have a health issue can make cover more expensive or even unobtainable.
Myth 4: "I'm covered by my employer." Reality: Employer benefits are a great perk, but they are rarely a complete solution and can create a false sense of security.
- Death in Service: Typically pays 2-4x your salary. As we've seen, this is often insufficient to cover a mortgage and long-term family needs. Crucially, this cover disappears the moment you leave your job.
- Group Income Protection: This is a better benefit, but the level of cover may be low, the payment term may be limited to just a few years, and again, it is tied to your employment. A personal policy belongs to you, regardless of where you work.
Beyond the Payout: The Added Value of Modern Insurance
Today's protection policies offer far more than just a financial payment. Insurers now include a suite of "value-added services" designed to support your health and wellbeing from day one, often at no extra cost.
These can include:
- 24/7 Virtual GP: Get a GP appointment via phone or video call, often within hours.
- Mental Health Support: Access to counselling sessions, therapy, and mental health helplines.
- Second Medical Opinion: If you're diagnosed with a serious illness, you can get your case reviewed by a world-leading expert to confirm the diagnosis and explore treatment options.
- Physiotherapy & Rehabilitation: Get support to help you recover and get back to work faster.
- Fitness & Wellness Rewards: Discounts and rewards for tracking your activity and leading a healthy lifestyle.
These services transform an insurance policy from a simple financial product into a holistic health and wellbeing partner.
And at WeCovr, we go a step further. We believe in proactive wellness, which is why all our protection clients receive complimentary access to our AI-powered calorie and nutrition tracker, CalorieHero, helping you stay on top of your health goals. It's part of our commitment to not just protect you in bad times, but to support your wellbeing every day.
Taking Action: Your 5-Step Plan to Secure Your Future
The data is clear and the risk is real. Now is the time for action. Follow this simple 5-step plan to build your family's financial fortress.
Step 1: Acknowledge & Assess Your Risk Read this guide again. Look at the "1 in 7" statistic and accept that it could apply to you. Sit down with your partner and have an honest conversation about what would happen to your family financially if your income stopped tomorrow.
Step 2: Audit Your Existing Protection Dig out your employee benefits handbook. What cover do you actually have? How much is it for? How long does it last? Do you have any old personal policies you've forgotten about? Understand your starting point.
Step 3: Calculate Your Shortfall Use the calculation methods in this guide to work out how much cover you really need for Life, Critical Illness, and Income Protection. Compare this to what you already have. The difference is your protection gap.
Step 4: Seek Independent, Expert Advice Don't navigate the insurance market alone. A specialist protection broker is your single most valuable ally. This is where a firm like WeCovr becomes invaluable. We don't work for an insurance company; we work for you. Our expert advisors will:
- Help you confirm your precise needs.
- Scan the entire market, comparing dozens of policies from all the major UK insurers like Aviva, Legal & General, Zurich, and Royal London.
- Explain the fine print and differences in definitions.
- Help you complete the application forms accurately to ensure any future claim is paid.
- Find you the most comprehensive cover for the most competitive price.
Step 5: Apply, Be Honest, and Get Protected Once you've chosen the right plan, complete the application. Be 100% honest and transparent about your medical history, lifestyle, and occupation. This is the single most important thing you can do to guarantee your policy pays out when you need it most.
Your Future is in Your Hands
The risk of a long-term illness or injury is one of the greatest financial threats you and your family will ever face. The potential £4 million-plus lifetime cost is a catastrophe that can derail every plan and dream you have.
But it is a manageable risk.
The LCIIP Shield is not an expense; it is an investment in certainty. It's the ultimate expression of financial responsibility and love for your family. It's the knowledge that no matter what health challenges life throws at you, the roof over your family's head is secure, the bills will be paid, and their future is protected.
Don't leave your family's future to chance. Take control, take action, and build your financial shield today.
Related guides
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!