Unbroken Growth: The Resilience Economy Blueprint
Beyond mere financial security: Explore how proactive life and income protection strategies—including Family Income Benefit, Personal Sick Pay for vital workers like nurses, tradespeople, and electricians, Critical Illness, Life Cover, and Gift Inter Vivos—are the true bedrock for uninterrupted personal development, relationship thriving, and career progression, even as health realities shift, with 1 in 2 people projected to face cancer by 2025, and how private health insurance becomes the ultimate accelerator for reclaiming your future.
In today's fast-paced world, we celebrate growth, ambition, and progress. We map out career paths, plan for family milestones, and pursue personal passions with vigour. Yet, we often build these ambitious futures on a surprisingly fragile foundation. We plan for success but rarely for the interruptions that life, and specifically our health, can present. This isn't pessimism; it's pragmatism. The new economy isn't just about financial capital; it's about resilience capital.
The statistics paint a stark picture. According to Cancer Research UK, a sobering projection suggests that 1 in 2 people in the UK will be diagnosed with some form of cancer in their lifetime. Meanwhile, the British Heart Foundation reports that around 7.6 million people are living with heart and circulatory diseases in the UK. These are not abstract numbers; they represent colleagues, family members, and friends whose lives, careers, and relationships are profoundly impacted.
The traditional view of insurance as a simple financial safety net is outdated. It’s no longer just about leaving money behind or covering the bills if you’re sick. It is the fundamental blueprint for unbroken growth. It is the mechanism that allows you to protect your trajectory, ensuring that a health crisis becomes a temporary detour, not a permanent derailment of your life's ambitions.
This guide explores how a carefully constructed portfolio of protection—from life and critical illness cover to bespoke income protection and private medical insurance—forms the bedrock for continuous personal and professional development. It’s about creating an environment of certainty where you, your family, and your business can thrive, no matter what health challenges arise.
The Modern Paradox: Greater Longevity, Heightened Uncertainty
We are living longer than ever before. The Office for National Statistics (ONS) projects that life expectancy at birth in the UK for 2025 is around 80 years for males and 83 years for females. While this is a triumph of modern medicine and public health, it brings a new paradox: a longer life means a greater cumulative risk of encountering a serious health event.
The financial shock of such an event can be devastating. Research from the Financial Conduct Authority (FCA) has consistently shown that a significant portion of the UK population has low financial resilience. A health shock that stops a primary earner from working for several months can quickly erode savings, leading to debt and immense stress.
But the impact is far deeper than just financial. Consider the ripple effects:
- Career Stagnation: A prolonged absence from work can lead to missed opportunities for promotion, skill development, and project leadership. For the self-employed, it can mean a complete loss of business momentum.
- Relationship Strain: Financial worries and the stress of managing a long-term illness can place an immense burden on relationships with partners, children, and friends.
- Loss of Personal Development: The time, energy, and funds once dedicated to hobbies, education, or personal growth are diverted to managing illness and recovery.
- Mental Health Impact: The anxiety of an uncertain future, coupled with the physical toll of illness, can lead to significant mental health challenges like depression and anxiety.
A resilience blueprint, therefore, isn't just about money. It's about insulating your entire life—your career, your relationships, your personal goals—from the seismic shock of a health crisis.
Building Your Bedrock: The Core Pillars of Protection
Think of your financial plan as a house. Your investments, savings, and pension are the rooms and furnishings. But the foundation upon which everything rests is your protection strategy. Without a solid foundation, the entire structure is vulnerable.
Let’s explore the essential pillars that form this bedrock.
Life Insurance (Life Cover)
This is the most well-known form of protection. In its simplest terms, a life insurance policy pays out a tax-free lump sum to your beneficiaries if you pass away during the policy's term. It's not for you; it's for the people you leave behind.
Its purpose is to replace your financial contribution, ensuring your loved ones aren't left with a financial burden on top of their grief. It can be used to:
- Pay off a mortgage or other debts.
- Cover funeral expenses.
- Provide for children's education.
- Replace lost income for a surviving partner, giving them time to adjust.
| Policy Type | 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 set lump sum for family living costs. |
| Decreasing Term | The payout amount reduces over time, typically in line with a repayment mortgage. | Covering a specific large debt like a repayment mortgage. It's usually the most affordable option. |
| Whole of Life | The policy covers you for your entire life and guarantees a payout upon death. | Estate planning, covering an expected Inheritance Tax bill, or leaving a guaranteed legacy. |
Example: Sarah and Tom, both 35, have two young children and a £250,000 repayment mortgage. They take out a joint decreasing term policy for 25 years. If one of them were to pass away, the policy would pay out enough to clear the remaining mortgage, providing immense security for the surviving family.
Critical Illness Cover
While life insurance covers death, Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with one of a specific list of serious, but not necessarily fatal, illnesses. Given the "1 in 2" cancer statistic, its importance cannot be overstated.
A critical illness diagnosis often brings unforeseen costs that go far beyond what the NHS can cover. The payout gives you freedom and control at a time when you need it most. It can be used for:
- Replacing lost income if you or a partner needs to stop working.
- Paying for private medical treatment or specialist therapies not available on the NHS.
- Making adaptations to your home, such as installing a ramp or a stairlift.
- Clearing debts to reduce financial pressure during recovery.
- Taking a recuperative holiday with family once treatment is complete.
Most comprehensive policies today cover over 50 conditions, but the "big three" that account for the vast majority of claims are cancer, heart attack, and stroke.
Securing Your Most Valuable Asset: Your Income
For most of us, our ability to earn an income is our single greatest financial asset. It pays the mortgage, fuels our investments, and funds our lifestyle. Protecting it is arguably the most critical component of any resilience plan.
Income Protection Insurance
Often described by financial experts as the one policy every working adult should consider, Income Protection (IP) is designed to do one thing: provide you with a regular, tax-free monthly income if you are unable to work due to any illness or injury.
Unlike Critical Illness Cover which pays a one-off lump sum for a specific condition, IP pays out for as long as you are unable to work, right up until you recover or the policy term ends (often at your planned retirement age).
Key features to understand:
- Benefit Amount: You can typically cover 50-70% of your gross annual income.
- Deferment Period: This is the time you wait from when you stop working until the policy starts paying out. It can range from 4 weeks to 12 months. The longer the deferment period, the lower the premium.
- Definition of Incapacity: The best policies use an 'Own Occupation' definition. This means the policy will pay out if you are unable to do your specific job. Less comprehensive policies may only pay if you can't do any job, which are much harder to claim on.
Example: A 45-year-old architect suffers a serious back injury and is signed off work for 18 months. Her employer's sick pay runs out after 3 months. Her Income Protection policy, with a 13-week deferment period, kicks in and pays her £3,000 a month until she is well enough to return to her role as an architect. Her mortgage is paid, her bills are covered, and she can focus entirely on her recovery.
Personal Sick Pay: Essential Cover for Vital Workers
While Income Protection is the gold standard for long-term absence, some roles carry a higher risk of short-term injury or illness that can be just as financially disruptive. This is where Personal Sick Pay plans (often a type of short-term IP) are vital, especially for:
- Tradespeople (Electricians, Plumbers, Builders): Your work is physical. A broken arm or a knee injury isn't just an inconvenience; it's a complete stop to your earnings.
- Nurses and Healthcare Workers: You are on your feet all day, exposed to illness, and at risk of musculoskeletal injuries. Statutory Sick Pay (£116.75 per week as of 2024/25) is rarely enough to cover living costs.
- Freelancers and Gig Economy Workers: You have zero employer sick pay. If you don't work, you don't earn.
Personal Sick Pay policies are designed for this reality. They often have very short deferment periods (sometimes just one day) and provide a fixed weekly or monthly benefit for a shorter period, typically 12 or 24 months. They are an affordable and essential tool for smoothing out the income shocks that are common in these professions.
Family Income Benefit
This is a clever and often more budget-friendly alternative to a standard lump-sum life insurance policy. Instead of paying out a large single amount on death, Family Income Benefit (FIB) pays out a smaller, regular, tax-free monthly or annual income.
The payments are made from the time of the claim until the end of the policy term. This is perfect for families with young children, as you can set the term to last until your youngest child is expected to be financially independent (e.g., age 21 or 25).
Why choose FIB?
- Budgeting: It makes managing household finances much simpler for the surviving partner, replicating a monthly salary.
- Cost-Effective: It is often cheaper than a level-term policy for an equivalent level of overall cover.
- Peace of Mind: It removes the pressure and worry of having to invest a large lump sum wisely while grieving.
The Entrepreneur's Shield: Protection for Business Owners & Directors
When you run your own business, the stakes are even higher. Your personal financial health is inextricably linked to the health of your business, and vice-versa. A resilience blueprint for a company director or business owner requires specialist protection.
Key Person Insurance
Who is the one person in your business whose absence would cause a significant financial dip? It could be the top salesperson, the lead developer with all the institutional knowledge, or a director with indispensable contacts.
Key Person Insurance is a policy taken out by the business on the life of this crucial individual. If that person dies or suffers a critical illness, the policy pays out to the business. This cash injection can be used to:
- Recruit and train a replacement.
- Cover any lost profits during the disruption.
- Reassure lenders and investors.
- Repay a business loan that the key person may have guaranteed.
It's about ensuring the business itself can survive the loss of its most valuable asset—its people.
Executive Income Protection
This is an Income Protection policy owned and paid for by a limited company for one of its directors or employees. It's a highly valued benefit and a very tax-efficient way to arrange cover.
- For the Business: The premiums are typically classed as a legitimate business expense, meaning they are deductible for corporation tax purposes.
- For the Director: It provides them with a secure income if they're unable to work, without them having to pay for it from their post-tax personal income. It's a powerful tool for attracting and retaining top talent.
Shareholder or Partnership Protection
What happens if you are in business with one or more partners and one of them dies or becomes critically ill? Their share of the business typically passes to their estate. This can lead to difficult situations:
- The surviving partners may have to work with the deceased's spouse or children, who may have no interest or expertise in the business.
- The deceased's family may want to sell the shares, but the surviving partners may not have the liquid cash to buy them.
Shareholder Protection solves this. It involves each partner taking out a life and/or critical illness policy on the other partners. This is coupled with a legal agreement. If a partner dies or falls ill, the policy payout provides the surviving partners with the exact funds needed to buy the shares from the deceased's estate at a pre-agreed price. This ensures a smooth transition, keeps the business in the hands of those who run it, and provides a fair value to the departing partner's family.
Legacy and Longevity: Advanced Planning Strategies
As we accumulate wealth, our financial planning needs to evolve. Protecting our legacy and ensuring our assets are passed on efficiently becomes a key priority.
Gift Inter Vivos and Inheritance Tax (IHT) Planning
Inheritance Tax can significantly reduce the value of the estate you pass on to your loved ones. One common way to mitigate IHT is to make gifts during your lifetime. Under the "Potentially Exempt Transfer" (PET) rules, if you live for 7 years after making a gift, it falls outside of your estate for IHT purposes.
But what if you don't survive the full 7 years? The gift then becomes a "failed PET," and IHT may be due on it. The amount of tax due reduces on a sliding scale, known as taper relief.
| Years Between Gift and Death | Percentage of Full IHT Rate Paid |
|---|---|
| 0 - 3 years | 100% (i.e., 40%) |
| 3 - 4 years | 80% (i.e., 32%) |
| 4 - 5 years | 60% (i.e., 24%) |
| 5 - 6 years | 40% (i.e., 16%) |
| 6 - 7 years | 20% (i.e., 8%) |
| 7+ years | 0% |
A Gift Inter Vivos policy is a special type of life insurance designed to solve this problem. It's a decreasing term policy where the payout amount is specifically calculated to match the potential IHT liability on the gift. If the donor dies within the 7-year window, the policy pays out to cover the tax bill, ensuring the recipient receives the full intended value of the gift.
The Ultimate Accelerator: How Private Medical Insurance Reclaims Your Future
While the NHS provides exceptional care, especially in emergencies, the system is under immense pressure. NHS England data from early 2025 shows millions of people on waiting lists for consultant-led elective care. Waiting times for diagnostics like MRI scans and routine operations can stretch for many months, sometimes even years.
This waiting period is not benign. It's a period of pain, anxiety, and disruption. For an employee, it can mean extended sick leave. For a self-employed person, it can be catastrophic for their business. This is where Private Medical Insurance (PMI) transforms from a "nice-to-have" into a powerful accelerator for reclaiming your life.
PMI is the tool that minimises disruption. It allows you to bypass the queues and regain control.
- Speed: Get a GP referral and see a private specialist within days, not months.
- Diagnostics: Access MRI, CT, and PET scans almost immediately, leading to a faster diagnosis and treatment plan.
- Choice: Select the hospital and the consultant who will perform your procedure, giving you confidence in your care.
- Comfort: Recover in a private room with more flexible visiting hours, reducing stress and aiding recovery.
- Advanced Treatments: Gain access to cutting-edge drugs, treatments, and therapies that may not yet be approved for use on the NHS due to cost or other factors.
PMI in the Resilience Blueprint: Think of it as the express lane back to health. By dramatically shortening the timeline from symptom to treatment to recovery, PMI directly accelerates your return to your career, your family life, and your personal goals. It's the ultimate investment in continuity.
WeCovr: Your Partner in Building Resilience
Navigating this complex landscape of protection products can be daunting. The options are vast, and the ideal solution is deeply personal. This is where expert guidance is invaluable.
At WeCovr, we act as your strategic partner in building a robust and personalised resilience blueprint. We don't just find you a policy; we take the time to understand your unique circumstances—your family, your career, your business, your health, and your future aspirations. By comparing plans from all of the UK's leading insurers, we can craft a tailored portfolio of protection that fits your life and your budget perfectly. Our expertise ensures there are no gaps in your cover and that you're not paying for features you don't need.
We believe that true resilience is a combination of financial preparedness and proactive wellbeing. That’s why, as part of our commitment to our clients' long-term health, we provide complimentary access to CalorieHero, our exclusive AI-powered calorie and nutrition tracking app. It's a simple, effective tool to help you build healthy habits, which are the very first line of defence. It’s one of the ways we go above and beyond, supporting your entire journey to a more secure and vibrant future.
Proactive Wellness: The First Line of Defence
While insurance provides the ultimate backstop, the power to influence our health outcomes often lies in our daily choices. A proactive approach to wellness not only improves your quality of life but can also lead to lower insurance premiums.
- Nourish Your Body: A balanced diet rich in fruits, vegetables, lean proteins, and whole grains is foundational. The Mediterranean diet is consistently linked with lower rates of heart disease and certain cancers.
- Move Every Day: The UK Chief Medical Officers recommend at least 150 minutes of moderate-intensity activity (like a brisk walk) or 75 minutes of vigorous-intensity activity (like running) per week, plus strength-building activities on two days.
- Prioritise Sleep: Sleep is not a luxury; it's a biological necessity. Aim for 7-9 hours of quality sleep per night. It's crucial for immune function, mental clarity, and cellular repair.
- Manage Stress: Chronic stress is a major contributor to poor health. Incorporate stress-management techniques like mindfulness, meditation, spending time in nature, or connecting with loved ones. Financial security from a robust protection plan is, in itself, a powerful stress reducer.
The Resilience Blueprint in Action: Case Studies
Let's see how these principles apply in the real world.
Case Study 1: Chloe, the Freelance Videographer Chloe, 38, is self-employed. Her income is strong but fluctuates. She worried that an injury could wipe out her business. Her adviser helped her build a blueprint:
- Income Protection: To cover 60% of her income with an 8-week deferment period.
- Critical Illness Cover: A £75,000 lump sum policy.
- Private Medical Insurance: A comprehensive plan to ensure quick access to treatment.
Six months later, Chloe developed severe shoulder pain (a repetitive strain injury). Her PMI got her an MRI and specialist physiotherapy within two weeks. When she needed three months off for recovery, her Income Protection kicked in, covering her rent and bills. She returned to work without any debt or business loss.
Case Study 2: The Patel Family Ravi and Priya, both in their early 40s, have a £300,000 mortgage and two children, aged 8 and 10. Their blueprint focused on family security:
- Decreasing Term Life Insurance: A joint policy to clear the mortgage if one of them passed away.
- Family Income Benefit: A policy to pay out £2,000 a month until their youngest child turns 21, ensuring day-to-day costs are always covered.
Tragically, Ravi died suddenly from a heart attack. The life insurance paid off the mortgage instantly, removing the family's biggest financial burden. The FIB policy began paying Priya a monthly income, allowing her to stay in the family home and focus on her children without immediate financial panic.
Conclusion: From Financial Safety Net to a Launchpad for Growth
The conversation around insurance needs to change. It's not about fear; it's about empowerment. It's not about planning to fail; it's about planning to succeed, uninterrupted.
A comprehensive resilience blueprint—combining life, illness, and income protection with the accelerating power of private medical insurance—is the invisible architecture that supports our most ambitious goals. It creates the psychological and financial space to take career risks, pursue personal development, build strong relationships, and run a business with confidence.
By removing the paralysing fear of "what if," you are free to focus on "what's next." You create a future where your growth is unbroken, your progress is protected, and your potential is limitless. This is the true power of the resilience economy.
Is life insurance expensive?
Do I need income protection if I have sick pay from my employer?
What's the difference between life insurance and critical illness cover?
Can I get cover if I have a pre-existing medical condition?
Why use a broker like WeCovr instead of going directly to an insurer?
Is private medical insurance worth it with the free NHS?
How much cover do I actually need?
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!