UK's Preventable Disability Crisis
UK 2025 The Silent Surge – Over 1 in 4 Working Britons Will Face Preventable Long-Term Disability or Chronic Illness Before Retirement, Fueling a Staggering £4 Million+ Lifetime Financial Catastrophe of Lost Earning Potential, Unfunded Care, and Eroding Family Security. Discover How Private Health Insurance and a Robust LCIIP Shield Offer Your Essential Protection and Pathway to Lifelong Vitality
The United Kingdom is facing a silent, creeping crisis. It doesn't dominate the headlines, but its impact on families and the economy is devastating. By 2025, a stark reality is unfolding: more than one in every four of today's working adults will be forced out of work by a long-term disability or chronic illness before they reach retirement age.
This isn't just a health crisis; it's a financial catastrophe in the making. The cumulative lifetime cost for a family hit by such an event can spiral beyond a staggering £4.8 million. This figure isn't hyperbole. It's the brutal calculation of lost earnings, forfeited promotions, depleted pensions, the immense cost of private care, and the systematic erosion of a family's financial security, built over a lifetime.
Many of these life-altering conditions are preventable or manageable with timely intervention. Yet, with an overstretched NHS, waiting lists are turning treatable problems into permanent disabilities. The state safety net, while vital, is simply not designed to replace a middle-class income or preserve a family's aspirations.
This definitive guide will dissect this silent surge. We will explore the true scale of the risk, deconstruct the multi-million-pound financial impact, and reveal why relying solely on the NHS is a gamble most cannot afford to lose. Most importantly, we will provide a clear, actionable blueprint for protection: a powerful combination of Private Medical Insurance and a robust LCIIP (Life, Critical Illness, and Income Protection) shield that not only safeguards your finances but also provides a pathway to better health and lifelong vitality.
The Unseen Epidemic: Understanding the Scale of UK's Preventable Disability Crisis
The notion that a serious illness or disability is something that happens to 'other people' is a dangerous misconception. The data paints a very different and urgent picture. The '1 in 4' statistic, cited by leading insurers and financial advisors, reflects the cumulative risk a healthy person faces over their working life of being off work for a prolonged period due to sickness or injury.
The latest figures from the Office for National Statistics (ONS) provide sobering context. As of early 2025, a record 2.8 million people are economically inactive due to long-term sickness, a startling increase of over 700,000 since the pandemic began. This isn't a temporary blip; it's a structural shift in the health of our nation's workforce.
What are "Preventable" or "Manageable" Conditions?
When we talk about preventable disability, we are not just referring to accidents. We are highlighting the vast number of chronic conditions that, with early diagnosis and proactive management, could be controlled, reversed, or have their long-term impact significantly mitigated.
These include:
- Musculoskeletal (MSK) Issues: Conditions like chronic back pain, osteoarthritis, and repetitive strain injury are the leading cause of work absence. Long waits for physiotherapy or diagnostics can lead to permanent mobility issues and an inability to perform a job.
- Mental Health Conditions: Stress, anxiety, and depression are now a primary reason for long-term sickness. Without swift access to therapy and support, these conditions can become deeply entrenched and debilitating.
- Cardiovascular Disease: Many forms of heart disease, strokes, and Type 2 diabetes are directly linked to lifestyle factors. Early intervention, health screening, and support for lifestyle changes can prevent these from becoming life-ending or disabling events.
- Cancers: While not always preventable, survival rates are dramatically higher with early diagnosis. Delays in screening or investigation can allow cancer to progress, making treatment more arduous and reducing the chances of a full recovery and return to work.
The table below highlights the most common causes for long-term incapacity claims, demonstrating the prevalence of these manageable conditions.
| Condition Category | Examples | Percentage of Income Protection Claims (Approx.) |
|---|---|---|
| Musculoskeletal | Back pain, neck/shoulder issues, joint problems | 30% |
| Mental Health | Stress, anxiety, depression | 25% |
| Cancer | All types of cancer | 20% |
| Cardiovascular | Heart attack, stroke | 10% |
| Other | Neurological disorders, infections, accidents | 15% |
This data shows that around three-quarters of long-term work absences stem from conditions where the speed and quality of medical intervention can make a life-changing difference.
The £4.8 Million Catastrophe: Deconstructing the True Financial Impact
The physical and emotional toll of a long-term illness is immense, but the financial consequences can be just as devastating, creating a ripple effect that lasts for generations. The £4 Million+ figure represents a worst-case, yet distressingly plausible, financial wipeout for a dual-income, higher-earning family.
Let's break down how these costs accumulate for a hypothetical couple, David (40) and Sarah (39), both earning £75,000 per year as senior managers.
1. The Colossal Loss of Earning Potential
At 40, David is diagnosed with a progressive neurological condition and is unable to work again. His lost earnings alone are enormous.
- Lost Salary: £75,000 x 27 years (to age 67) = £2,025,000
- Lost Promotions & Pay Rises: A conservative 2% annual rise (below inflation) adds over £750,000 to this total.
- Lost Pension Contributions: Forfeiting 27 years of employer pension contributions (e.g., 8%) and his own contributions means a loss of over £600,000 from their retirement pot.
The immediate loss from David's income alone is over £3.3 million.
2. The Carer's Sacrifice: A Second Income Lost
As David's condition worsens, Sarah is forced to give up her demanding job to become his full-time carer.
- Lost Salary: Sarah, at 39, also loses 28 years of income. £75,000 x 28 years = £2,100,000.
Suddenly, the family's potential lifetime earnings have plummeted by over £5.4 million. But the costs don't stop there.
3. The Crushing Weight of Unfunded Care
The state provides some support, but it rarely covers the full cost of the intensive care required for serious conditions.
- Cost of At-Home Care: Even a few hours of professional care per day can cost £25,0-£35,000 per year. Over 20 years, this is £500,000 - £700,000.
- Residential Care: If full-time residential care is eventually needed, costs can easily exceed £1,500 per week, or £78,000 per year. Over 10 years, this is £780,000.
- Home Adaptations: A stairlift, wet room, and other modifications can cost £20,000 - £50,000.
- Specialist Equipment: A high-end wheelchair, adapted vehicle, and other aids can add another £50,000+.
These direct costs can easily add another £1 million to the financial burden.
The Inadequacy of State Support
Many believe the welfare state will catch them. While a vital safety net, it's not designed to maintain a family's lifestyle.
| Support Type | Typical Weekly Amount (2025) | Reality Check |
|---|---|---|
| Employment & Support Allowance (ESA) | ~£138 | Replaces a fraction of a typical salary. |
| Personal Independence Payment (PIP) | ~£184 (Enhanced Rate) | Designed to help with extra costs, not replace income. |
| Total State Support (Max) | ~£322 per week | ~£16,700 per year. A huge shortfall compared to an average household expenditure. |
A family that was earning £150,000 per year could see their income fall by almost 90%, while their expenses simultaneously skyrocket. This is the financial catastrophe. It means selling the family home, abandoning university plans for children, and erasing any hope of a comfortable retirement.
The Pressure Point: Why the NHS Alone Cannot Be Your Safety Net
The National Health Service is a national treasure, providing exceptional care to millions. However, to rely on it as your sole plan for dealing with a serious but treatable health issue is to ignore the immense pressures it currently faces.
As of 2025, the reality is stark:
- Record Waiting Lists: The overall waiting list for consultant-led elective care in NHS England remains stubbornly high, with over 7.5 million outstanding treatments. [Source: NHS England]
- The "Hidden" Waiting List: Millions more are waiting for initial diagnostics like MRI and CT scans, or referrals to a specialist. A six-month wait for a scan on a worsening back problem can be the difference between a successful intervention and a lifetime of chronic pain.
- Postcode Lottery: The quality and speed of care you receive can vary dramatically depending on where you live.
This isn't a criticism of NHS staff; it's a statement of fact about a system struggling with unprecedented demand and finite resources. For the individual, these delays can be life-altering.
| Procedure/Service | Typical NHS Waiting Time (2025) | Potential Consequence of Delay |
|---|---|---|
| Routine Hip/Knee Replacement | 9-18 months | Worsening pain, loss of mobility, inability to work |
| Specialist Mental Health Therapy | 6-12 months | Condition deteriorates, becomes chronic and harder to treat |
| Non-Urgent MRI Scan | 3-6 months | A treatable issue (e.g., spinal disc) becomes permanent |
| Cancer Diagnosis & Treatment | Target is 62 days, but often missed | Cancer can progress to a more advanced, less treatable stage |
When faced with a condition that threatens your ability to work and earn a living, time is the most valuable commodity you have. The NHS is structured to prioritise the imminently life-threatening, meaning those with "merely" debilitating or chronic conditions are often forced to wait. This wait is where preventable disability takes root.
Your First Line of Defence: The Power of Private Medical Insurance (PMI)
Private Medical Insurance (PMI) is the essential first tool in preventing a health scare from becoming a financial and lifestyle disaster. It works alongside the NHS, giving you a choice to bypass queues and access expert medical care precisely when you need it most.
Think of PMI as your personal health concierge. Its core benefits directly address the shortfalls of a pressured public system:
- Speed of Access: This is the game-changer. Instead of waiting months for a diagnosis, you can typically see a specialist within days and have scans or tests within a week. For a musculoskeletal problem or a worrying lump, this speed is critical.
- Choice and Control: PMI allows you to choose your consultant and the hospital where you are treated. This gives you control over your medical journey and ensures you are seen by experts in your specific condition.
- Access to Advanced Treatments: The NHS, due to cost constraints, can be slow to approve new drugs or treatments. PMI policies often provide access to the latest medical advancements, particularly in fields like oncology, which may not be available on the NHS.
- Comfort and Privacy: Treatment in a private hospital typically means a private en-suite room, more flexible visiting hours, and better food – small comforts that make a huge difference during a stressful time.
How PMI Prevents Disability: A Real-World Example
Consider Sarah, a 45-year-old self-employed graphic designer suffering from debilitating wrist pain (RSI).
- Without PMI: Her GP refers her to an NHS musculoskeletal service. The wait for an initial assessment is 12 weeks. After that, the wait for an MRI is a further 16 weeks. By the time the problem is diagnosed, chronic inflammation has set in, causing permanent nerve damage. She can no longer use a mouse for long periods and has to give up her career.
- With PMI: Sarah uses her policy's Virtual GP service. She gets an immediate video consultation and is referred to a specialist consultant, who she sees five days later. The consultant arranges an MRI for the following week. The scan reveals the issue, and she begins a course of intensive physiotherapy and steroid injections within a fortnight of her first symptoms. She is back to full-time work within six weeks, her career and income saved.
PMI is not a luxury; for a working professional, it is a vital investment in continuity. It is the tool that keeps you in the game, turning a potential long-term crisis into a manageable short-term interruption.
Building the Fortress: The LCIIP Shield (Life, Critical Illness, Income Protection)
While PMI protects your health and ability to get treated quickly, a comprehensive LCIIP shield protects your entire financial world if you are unable to work. It's the financial fortress that stands between your family and the catastrophe we've outlined.
Let's break down the three essential components.
1. Income Protection (IP): The Cornerstone of Your Shield
If you could only choose one financial protection policy, it should be Income Protection. It is arguably the most important insurance a working person can own, yet it remains dangerously overlooked.
How it works: IP pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury. It continues to pay out until you can return to work, your policy term ends (typically at retirement age), or you pass away.
Key features to understand:
- Cover Level: You can typically insure up to 50-70% of your gross annual income. This is designed to cover your essential outgoings, like your mortgage, bills, and food.
- Deferred Period: This is the waiting period from when you stop working to when the policy starts paying out. It can range from 4 weeks to 12 months. Aligning this with your employer's sick pay scheme or your personal savings is a smart way to manage the premium cost.
- Payment Period: The best policies pay out right up to your chosen retirement age (e.g., 67). Cheaper, short-term policies that only pay for 1, 2, or 5 years offer a false economy, as they provide no protection against a truly long-term or permanent disability.
Income Protection vs. State Benefits: No Contest
| Feature | Long-Term Income Protection | Statutory Sick Pay (SSP) & ESA |
|---|---|---|
| Max Annual Payout | £35,000+ (on a £60k salary) | ~£16,700 (ESA + PIP) |
| Tax-Free? | Yes | No (ESA is taxable) |
| Duration | Can pay until retirement age (e.g., 67) | SSP: 28 weeks. ESA: Indefinite but means-tested over time |
| Guaranteed? | Yes, contractually guaranteed | Subject to government policy changes |
2. Critical Illness Cover (CIC)
While IP replaces your monthly income, Critical Illness Cover is designed to deal with the immediate, large-scale financial shock of a serious diagnosis.
How it works: CIC pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious conditions defined in the policy. The 'big three' are typically cancer, heart attack, and stroke, but modern policies can cover over 50 conditions.
This lump sum is yours to use as you see fit. Common uses include:
- Paying off your mortgage or other debts, drastically reducing your monthly outgoings.
- Funding private medical treatment not covered by PMI.
- Making essential adaptations to your home.
- Replacing a partner's income while they take time off to care for you.
- Simply providing a financial buffer to allow you to recover without financial stress.
CIC and IP work perfectly together. CIC handles the immediate capital needs, while IP provides the ongoing income to live on.
3. Life Insurance
Life Insurance is the final, fundamental layer of the shield. It addresses the ultimate "what if".
How it works: It pays a lump sum or a regular income to your loved ones if you pass away during the policy term. This ensures that even if a long-term illness becomes terminal, your family will not be left with debts and an uncertain future. They can pay off the mortgage, fund the children's education, and have the financial breathing space to grieve without immediate money worries.
Combined, PMI, IP, CIC, and Life Insurance create a multi-layered defence that protects your health, your income, your assets, and your family's future against unforeseen events.
A Proactive Approach: Beyond Insurance to Lifelong Vitality
The best modern protection policies do more than just pay out when disaster strikes. They have evolved to become proactive health and wellbeing partners, providing tangible benefits from day one to help you stay healthy and reduce your risk of ever needing to claim.
These value-added services are often included at no extra cost and are a crucial part of a modern protection strategy:
- 24/7 Virtual GP: Skip the wait for a GP appointment. Get instant access to a doctor via your phone for advice, prescriptions, and referrals.
- Mental Health Support: Most policies now include access to a set number of counselling or therapy sessions, providing crucial early support for stress, anxiety, or depression.
- Second Medical Opinion Services: If you receive a serious diagnosis, you can have your case reviewed by a world-leading expert to ensure your diagnosis is correct and your treatment plan is the best available.
- Physiotherapy & Rehabilitation: Many IP and PMI policies offer services to help you recover from musculoskeletal injuries faster, preventing them from becoming chronic issues.
At WeCovr, we believe passionately in this proactive approach to health. It's why we don't just find our clients the best financial cover; we help them unlock these powerful wellbeing tools. We go a step further, too. We believe that empowering you to manage your health is fundamental. That's why every WeCovr customer receives complimentary access to our proprietary AI-powered calorie and nutrition tracker, CalorieHero. This powerful app helps you take control of your diet and lifestyle from day one, forming a vital part of a strategy to reduce your risk of preventable conditions like Type 2 diabetes and heart disease.
Navigating the Market: How to Secure Your LCIIP Shield
The UK protection market is complex. Dozens of providers offer hundreds of variations of policies, each with its own definitions, exclusions, and benefits. Trying to navigate this alone can be overwhelming and lead to costly mistakes, such as buying inadequate cover or paying too much.
This is where an expert, independent broker like WeCovr becomes invaluable. We don't just sell policies; we provide clarity. We have a deep understanding of the entire market and can:
- Assess Your Needs: We take the time to understand your personal and family circumstances, your budget, your health, and your financial goals.
- Compare the Market: We compare plans from all the UK's leading insurers, including Aviva, Legal & General, Vitality, AIG, and more.
- Demystify the Jargon: We explain the key differences in policy definitions (e.g., what constitutes a "critical illness" or "incapacity" can vary significantly) so you know exactly what you're covered for.
- Tailor a Solution: We help you build a comprehensive LCIIP shield that is perfectly tailored to your needs, ensuring there are no gaps in your protection.
- Handle the Application: We guide you through the application and underwriting process, ensuring it's as smooth and straightforward as possible.
The table below outlines some key considerations when choosing a policy, highlighting why expert advice is so important.
| Insurance Type | Key Feature to Check | Why It Matters |
|---|---|---|
| Income Protection | Definition of Incapacity | 'Own Occupation' is best. It pays out if you can't do your specific job, not just any job. |
| Critical Illness | Number & Quality of Conditions | More isn't always better. Ensure the definitions for common conditions are fair and payout rates are high. |
| PMI | Outpatient Cover Limit | Diagnostics and consultations are outpatient services. A low limit can leave you with a shortfall. |
| All Policies | Insurer's Claims Record | Look for an insurer with a high payout rate (e.g., 95%+) and a good reputation for customer service. |
Real-Life Scenarios: The Shield in Action
Let's see how a well-structured protection portfolio works in the real world.
Case Study 1: The Young Professional Mark, a 32-year-old software developer earning £60,000, felt invincible. On the advice of his broker, he took out an 'Own Occupation' Income Protection policy and a £100,000 Critical Illness plan. A year later, he suffers a serious stroke.
- The Impact: His CIC policy pays out a £100,000 tax-free lump sum, which he uses to clear his car loan and credit card debt, and puts the rest aside for his recovery.
- The Shield: After his 3-month deferred period, his IP policy kicks in, paying him £3,000 tax-free every month. This allows him to focus fully on his rehabilitation for 18 months without worrying about his rent or bills. He eventually makes a strong recovery and returns to his job, his finances intact.
Case Study 2: The Self-Employed Tradesman Dave, a 50-year-old self-employed plumber, has no access to sick pay. A severe back injury from lifting a boiler leaves him unable to work.
- The Impact: His income immediately drops to zero. State benefits are minimal and slow to arrive.
- The Shield: Thankfully, Dave had a long-term IP policy. After his 4-week deferred period, it starts paying him £2,500 a month. This income saves his family. It covers the mortgage and bills while he undergoes private physiotherapy (funded by his PMI policy), allowing him to recover and retrain as a consultant for a plumbing firm.
Conclusion: Don't Be a Statistic – Take Control of Your Future Today
The silent surge of preventable disability and chronic illness is the single greatest unaddressed threat to the financial security of UK families. The statistics are not scaremongering; they are a warning. Relying on a stressed public health service and a minimal state welfare system is a gamble with devastatingly high stakes.
The good news is that you have the power to take control. You can build a fortress around your family's finances and ensure that a health crisis does not become a lifelong financial catastrophe.
The solution is a comprehensive, multi-layered approach:
- Private Medical Insurance (PMI) to provide rapid access to the best medical care, preventing manageable conditions from becoming permanent disabilities.
- An LCIIP Shield – robust Income Protection to secure your salary, Critical Illness Cover to absorb financial shocks, and Life Insurance to protect your legacy.
- A Proactive Mindset, utilising the wellness benefits and tools that come with modern insurance to actively manage your health.
Reviewing your protection isn't something to put off until tomorrow. The risk is real, and it grows every day. Take the first step today. Understand your vulnerabilities, assess your existing cover (if any), and seek independent, expert advice.
A conversation with an expert broker at WeCovr can provide the clarity and confidence you need to build the right shield for you and your family. Don't leave your future to chance. Protect your health, your income, and everything you've worked so hard for.
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!