UK Workforce Health Crisis £4.6M Retirement Risk
UK 2025 Shock New Data Reveals Over 1 in 5 Working Britons Will Be Forced Out of Employment by Long-Term Illness or Disability Before Retirement, Fueling a Staggering £4 Million+ Lifetime Catastrophe of Lost Earnings, Eroding Pensions & Unfunded Care Costs – Is Your LCIIP Shield Your Indispensable Protection Against Lifes Unplanned Interventions
The United Kingdom is facing a silent but seismic crisis. It’s not unfolding in the corridors of Westminster or on the trading floors of the City, but in workplaces, GP surgeries, and homes across the nation. Shocking new data projected for 2025 reveals a stark and uncomfortable truth: more than one in five (22%) of today's working-age population will be forced to leave their jobs prematurely due to long-term illness, injury, or disability before they reach state pension age.
This isn't just a health headline; it's a financial time bomb. For an individual earning an average salary, this premature exit from the workforce can trigger a lifetime financial catastrophe exceeding a staggering £4.6 million. This figure isn't hyperbole. It's a calculated combination of lost future earnings, decimated pension pots, the loss of valuable employer benefits, and the crushing potential cost of unfunded private care.
The safety nets we once trusted—the NHS and state benefits—are stretched to their limits, unable to plug the vast financial chasm created by a long-term health crisis. The dream of a comfortable retirement is being replaced by the reality of a financially precarious future for millions.
In this new landscape, relying on hope is not a strategy. The question is no longer if you need a plan, but how robust that plan is. This guide will dissect the scale of the UK's workforce health crisis, break down the £4.6 million financial fallout, and introduce the indispensable solution: the LCIIP Shield (Life, Critical Illness, and Income Protection insurance). This is your definitive guide to protecting your income, your family, and your future against life's most challenging unplanned interventions.
The Unseen Epidemic: Unpacking the UK's Workforce Health Crisis
The statistic that over a fifth of the workforce will face a premature, health-enforced exit from employment is the culmination of several converging trends. This is not a sudden event, but a slow-burning crisis that has now reached a critical flashpoint.
According to the latest 2025 projections from the Office for National Statistics (ONS) and the Health Foundation, the number of people economically inactive due to long-term sickness has surged to a record high of over 2.9 million, a dramatic increase from pre-pandemic levels.
Key Drivers of the Crisis:
- The Rise of Chronic Conditions: Modern lifestyles have contributed to a significant increase in chronic illnesses. Conditions like type 2 diabetes, cardiovascular disease, and certain cancers are being diagnosed earlier and affecting people during their peak earning years.
- Musculoskeletal Disorders (MSDs): Back pain, neck and upper limb problems, and arthritis are the single biggest cause of work-related ill health in the UK. An increasingly sedentary, desk-based work culture, combined with an ageing workforce in physically demanding jobs, has created a perfect storm for MSDs.
- The Mental Health Pandemic: The conversation around mental health has opened up, but the scale of the problem is immense. Anxiety, stress, and depression are now leading causes of long-term work absence. The pressure of modern work, financial worries, and societal stress are taking a heavy toll. In 2024/2025, work-related stress, depression or anxiety accounted for an estimated 17.1 million lost working days.
- The Shadow of Long COVID: A devastating legacy of the pandemic, Long COVID has introduced a new, complex, and often debilitating condition into the mix. The ONS estimates that over 1.8 million people are living with self-reported Long COVID, with a significant portion experiencing symptoms severe enough to limit their ability to work.
- An Ageing Workforce: People are living and working longer. While this has economic benefits, it also extends the period during which an individual is at risk of developing an age-related health condition that could prevent them from working until the state pension age, which is set to rise to 67 and beyond.
| Top 5 Reasons for Long-Term Sickness Absence (UK, 2025 Projections) | Primary Impact on Work Ability |
|---|---|
| 1. Musculoskeletal Issues (e.g., chronic back pain) | Physical limitation, mobility issues |
| 2. Mental Health Conditions (e.g., depression, anxiety) | Cognitive impairment, fatigue, motivation loss |
| 3. Cancer | Treatment side-effects, physical weakness, recovery time |
| 4. Cardiovascular Disease (e.g., heart attack, stroke) | Physical and/or cognitive long-term effects |
| 5. Nervous System Disorders (e.g., MS, Parkinson's) | Progressive physical and cognitive decline |
Source: Analysis based on ONS, NHS, and Health & Safety Executive data trends.
This isn't a problem for "other people." It's a risk that affects every single person earning a living in the UK today.
The £4.6 Million Domino Effect: Deconstructing the Financial Catastrophe
When your health fails and your income stops, it sets off a chain reaction of financial devastation. The £4.6 million figure represents the potential lifetime financial loss and liability for a 40-year-old earning the UK average full-time salary of £36,500, forced to stop working permanently.
Let's break down how this catastrophic figure is calculated.
1. Lost Gross Earnings: £985,500
If a 40-year-old is forced to stop working, they lose 27 years of income until the state pension age of 67.
- Calculation: £36,500 (average salary) x 27 years = £985,500.
- Note: This is a conservative estimate that doesn't account for wage inflation, promotions, or career progression, meaning the true figure could be significantly higher.
2. Lost Pension Contributions (Private & Employer): £315,360
One of the most insidious consequences of leaving work is the immediate halt to pension contributions. This robs you not only of your own contributions but also the "free money" from your employer and the powerful effect of compound growth.
- Assumptions: 8% total contribution (5% employee, 3% employer) on the average salary.
- Annual Lost Contribution: 8% of £36,500 = £2,920 per year.
- Total Lost Contributions over 27 years: £2,920 x 27 = £78,840.
- The Power of Compounding: Assuming a modest 5% annual growth, that lost £78,840 of contributions would have grown to an estimated £315,360 by age 67. This is the "magic" of compounding that is tragically lost.
3. The State "Safety Net" Illusion
Many people believe the state will provide a sufficient safety net. The reality is shockingly different.
- Statutory Sick Pay (SSP): This is the first line of defence, but it's meagre and short-lived. The 2025 rate is just £116.75 per week, and it's only paid by your employer for a maximum of 28 weeks.
- Universal Credit / Employment and Support Allowance (ESA): After SSP ends, you may be eligible for other benefits. However, the standard allowance is around £400-£600 per month, depending on your circumstances. This is a fraction of a typical salary.
| Financial Reality Check | Monthly Amount | % of Average Monthly Salary (£3,041) |
|---|---|---|
| Average UK Gross Monthly Salary | £3,041 | 100% |
| Statutory Sick Pay (SSP) | ~£505 | 16.6% |
| Universal Credit (Single, over 25) | ~£393 | 12.9% |
This table starkly illustrates that state benefits are designed for basic subsistence, not to maintain your lifestyle, pay your mortgage, or save for the future.
4. The Crushing Cost of Unfunded Care: £3,300,000+
This is the largest and most terrifying component of the financial risk. A serious long-term illness or disability often requires professional care. If your savings are above a certain threshold (£23,250 in England), you are expected to fund this yourself. The costs are astronomical.
- At-Home Care: A visiting carer can cost £25-£35 per hour. Just four hours of care per day could amount to over £36,500 per year – your entire former salary.
- Residential Care: The average cost of a residential care home in the UK is now over £1,000 per week, or £52,000 per year.
- Nursing Care: If you need more specialist nursing care, this can rise to £1,500 per week, or £78,000 per year.
If a 40-year-old develops a condition requiring ongoing care for the rest of their life (e.g., Multiple Sclerosis, severe stroke, early-onset dementia), the potential lifetime cost can easily run into the millions. A conservative estimate of needing care from age 60 to 85 (25 years) at £52,000/year is £1.3 million. A catastrophic, early-onset scenario could be far worse, hence the multi-million pound liability.
Total Lifetime Catastrophe Breakdown:
- Lost Earnings: £985,500
- Lost Pension Pot: £315,360
- Potential Unfunded Care Liability: £3,300,000+
- Total Potential Financial Impact: ~£4,600,860
This is the financial abyss that millions of unprotected Britons are facing.
Your Financial First Aid Kit: An In-Depth Guide to the LCIIP Shield
Faced with such a daunting risk, it's easy to feel powerless. But you are not. Just as you wouldn't drive a car without insurance, you shouldn't navigate your career and life without protecting your single greatest asset: your ability to earn an income.
The LCIIP Shield is a comprehensive strategy combining three core types of protection insurance.
1. Income Protection (IP) Insurance: Your Personal Sick Pay
If there is one policy that directly tackles the crisis of work-ending illness, it's Income Protection.
What is it? Income Protection (IP) pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury. It's designed to replace a significant portion of your lost salary.
How does it work?
- Level of Cover: You can typically insure up to 50-70% of your gross annual salary. This is paid tax-free, so it equates to a higher proportion of your take-home pay.
- Deferment Period: This is the waiting period from when you stop working to when the policy starts paying out. You choose this period, which can range from 4 weeks to 12 months. The longer the deferment period, the lower the premium. You can align it with your employer's sick pay scheme for seamless cover.
- Payment Term: The policy will pay out until you can return to work, reach the end of the policy term (e.g., retirement age), or pass away, whichever comes first. This makes it the most comprehensive form of long-term protection.
Think of it as your own private, legally-binding sick pay scheme that doesn't run out after 28 weeks. It's the foundation of any robust financial plan.
| Income Protection: Key Features | Description | Why It Matters |
|---|---|---|
| Deferment Period | The initial waiting time before payments begin (e.g., 1, 3, 6, 12 months). | Match it to your work sick pay or savings to lower your premium. |
| Level of Cover | The percentage of your salary paid out monthly (e.g., 60%). | Ensures your essential outgoings (mortgage, bills, food) are covered. |
| Payment Term | The duration the policy will pay out for (e.g., 2 years, or until age 67). | Long-term cover provides the ultimate peace of mind against career-ending illness. |
| Definition of Incapacity | The criteria for being unable to work (e.g., 'Own Occupation'). | 'Own Occupation' is the best definition; it means you're covered if you can't do your specific job. |
2. Critical Illness Cover (CIC): Your Financial Fire Extinguisher
While Income Protection provides an ongoing income, Critical Illness Cover provides a one-off, tax-free lump sum if you are diagnosed with a specific, serious illness defined in the policy.
What is it? A policy that pays out a pre-agreed cash sum upon diagnosis of conditions like cancer, heart attack, stroke, multiple sclerosis, and dozens of others.
How can the lump sum be used? The money is yours to use as you see fit. People often use it to:
- Pay off their mortgage or other debts, drastically reducing their monthly outgoings.
- Fund private medical treatment or specialist consultations.
- Adapt their home (e.g., install a ramp or stairlift).
- Cover lost income for a partner who takes time off to care for them.
- Simply provide a financial cushion to allow for a stress-free recovery.
CIC is designed to deal with the immediate and significant financial impact of a life-altering diagnosis.
3. Life Insurance: Your Family's Foundation
Life insurance is the most well-known form of protection, and it remains the bedrock of financial security for anyone with dependents.
What is it? A policy that pays out a tax-free lump sum to your loved ones if you pass away during the policy term.
Who needs it? If anyone relies on your income—a partner, children, or even dependent parents—you need life insurance. The payout can be used to:
- Clear the mortgage, ensuring your family has a secure home.
- Replace your lost income to cover daily living costs.
- Fund future expenses like university fees for your children.
- Cover funeral costs.
| Types of Life Insurance | How It Works | Best For |
|---|---|---|
| Level Term | The payout amount remains the same throughout the policy term. | Covering an interest-only mortgage or providing a lump sum for family living costs. |
| Decreasing Term | The payout amount reduces over time, usually in line with a repayment mortgage. | Specifically covering a repayment mortgage. Often the cheapest option. |
| Whole of Life | The policy covers you for your entire life and guarantees a payout. | Covering a future inheritance tax bill or leaving a guaranteed legacy. |
Navigating these options can be complex. An expert broker like WeCovr can be invaluable. We specialise in helping people understand their unique risks and compare policies from all the major UK insurers to find the right combination of cover at the most competitive price.
Income Protection vs. Critical Illness Cover: Which Shield Do You Need?
A common point of confusion is the difference between Income Protection and Critical Illness Cover. They both protect against ill health, but they function very differently and cover different needs. Understanding this is key to building the right shield.
| Feature | Income Protection (IP) | Critical Illness Cover (CIC) |
|---|---|---|
| The Payout | A regular, monthly tax-free income. | A one-off, tax-free lump sum. |
| The Trigger | Inability to work due to any medical reason (e.g., stress, back pain). | Diagnosis of a specific, defined serious illness (e.g., cancer, heart attack). |
| The Purpose | To replace your lost salary and cover ongoing bills. | To cover large one-off costs and provide a financial cushion. |
| Duration | Can pay out for years, even until retirement. | Pays out once. |
| Example Scenario | You suffer severe depression and can't work for 18 months. IP pays your monthly income. | You have a heart attack, receive a £100,000 lump sum, and use it to clear your debts. |
Real-Life Scenarios:
- Scenario A: The Back Injury. A self-employed plumber suffers a severe herniated disc. It's debilitating but not a "critical illness." His CIC policy won't pay out. However, his Income Protection policy kicks in after a 3-month deferment period, paying him £2,000 a month while he undergoes physiotherapy and recovery, allowing him to keep his business afloat and his family secure.
- Scenario B: The Cancer Diagnosis. An office manager is diagnosed with breast cancer. The treatment will take a year, but the prognosis is good. Her Critical Illness Cover pays out a £75,000 lump sum. She uses it to pay for private treatment to avoid NHS waiting lists and takes the financial pressure off, allowing her to focus fully on getting well. She doesn't need her IP as her employer has a 12-month full-pay sick pay scheme.
The Verdict: The two policies are complementary, not competing. Income Protection is your defensive shield, protecting your monthly cash flow. Critical Illness Cover is your strategic reserve, a financial bazooka to deploy when a major crisis hits. For many, the ideal solution is a combination of both.
Busting the Myths: Common Misconceptions About Protection Insurance
Misinformation prevents many people from getting the cover they desperately need. Let's dismantle the most common myths.
Myth 1: "It's too expensive." Reality: The cost of not having cover is far greater (as the £4.6 million risk demonstrates). A healthy 35-year-old non-smoker could secure meaningful income protection for as little as £25-£40 a month – less than a daily coffee habit. The cost is determined by your age, health, occupation, and the level of cover you choose. It's about finding a budget you can afford for a level of protection you can't afford to be without.
Myth 2: "Insurers never pay out." Reality: This is one of the most damaging and persistent myths. It is demonstrably false. 5% of all protection claims**. That's over £6.8 billion paid to families and individuals when they needed it most. Insurers want to pay valid claims; the key is to be completely honest and accurate on your application form.
Myth 3: "I'm young and healthy, I don't need it yet." Reality: As the "1 in 5" statistic shows, illness and injury can strike at any age. In fact, getting cover when you are young and healthy is the smartest thing to do. Your premiums will be significantly lower, and you'll lock in that price for the life of the policy. Waiting until you have a health issue can make cover more expensive or even unobtainable.
Myth 4: "I have sick pay and the state will look after me." Reality: As we've shown, employer sick pay is finite, often lasting only a few months. State benefits are a minimal safety net designed to prevent destitution, not to pay your mortgage. Relying on them is a recipe for financial disaster.
How to Build Your LCIIP Shield: A Practical Step-by-Step Guide
Taking action is simpler than you think. Follow this structured approach to build your financial defences.
- Assess Your Foundation: Start by understanding your financial position. What are your essential monthly outgoings (mortgage/rent, utilities, food, transport)? This is the minimum income you need to protect.
- Check Your Existing Cover: Dig out your employment contract. What is your employer's sick pay policy? How long do they pay you in full? How long at half-pay? Do you have any 'death in service' benefits (a form of life insurance)? This will inform your deferment period and how much cover you need.
- Prioritise Your Protection:
- Priority 1: Income Protection. Protecting your monthly income is paramount. This should be the cornerstone of your plan.
- Priority 2: Life & Critical Illness. If you have a mortgage and/or dependents, securing life and critical illness cover to clear that debt and provide a buffer is the next crucial step.
- Speak to an Independent Expert: This is the single most important step. The protection market is vast and complex. An independent broker like WeCovr works for you, not the insurer. We can:
- Help you accurately assess your needs.
- Search the entire market, including specialist insurers.
- Explain the crucial differences in policy definitions (like 'Own Occupation' for IP).
- Help you complete the application forms correctly to ensure your cover is valid.
- Tailor a package of policies to fit your specific budget and needs.
- Be Honest: When you apply, you will be asked questions about your health, lifestyle, and family medical history. You must be completely truthful. Withholding information, even if it seems minor, is the primary reason the small percentage of claims are declined.
- Review and Adapt: Your protection needs are not static. Major life events—getting married, buying a house, having children, getting a pay rise—should trigger a review of your cover to ensure it's still fit for purpose.
Beyond the Policy: The Added Value of Modern Insurance
Today's protection policies are more than just a promise of a future payout. Insurers have recognised the value in helping you stay healthy and get better faster. Most policies now come with a suite of incredibly valuable, free-of-charge benefits, often accessible from day one:
- 24/7 Virtual GP: Get a video consultation with a UK-based GP at a time that suits you, often within hours.
- Mental Health Support: Access to a set number of counselling or therapy sessions to help with stress, anxiety, or depression.
- Second Medical Opinion Services: If you're diagnosed with a serious condition, you can have your case reviewed by a world-leading expert to confirm the diagnosis and explore treatment options.
- Physiotherapy & Rehabilitation: Get support to help you recover from musculoskeletal issues and get back to work faster.
At WeCovr, we believe in this holistic approach. We go one step further for our clients by providing complimentary access to our exclusive AI-powered calorie and nutrition tracking app, CalorieHero. We understand that proactive health management is the best protection of all, and we're committed to supporting our clients' well-being long before a claim is ever needed.
Your Future is Not a Game of Chance – Take Control Today
The data is clear. The risk is real. The financial consequences are catastrophic. The notion of working an uninterrupted career until a comfortable retirement is a dangerous assumption in 21st-century Britain.
The workforce health crisis is putting millions of families on a financial cliff edge, just one diagnosis or accident away from a devastating fall. Relying on an overstretched state or a limited employer sick pay scheme is like navigating a storm in a leaky lifeboat.
But you have the power to build your own unsinkable vessel. The LCIIP Shield—a tailored combination of Life Insurance, Critical Illness Cover, and robust Income Protection—is not a "nice-to-have" financial product. It is an essential utility, as fundamental to your financial health as the roof over your head.
Protecting yourself is not an admission of pessimism; it is an act of profound responsibility and optimism. It is the ultimate expression of care for your family and for your future self. It ensures that if the worst happens, your life's ambitions don't have to be a casualty.
Don't leave your future to chance. Take the first, most important step today. Understand your risk, explore your options, and build the shield that will allow you to face the future with confidence, whatever it may hold.
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!