Unlock Growth: Protect Your Future
Future-Proofing Your Potential: How Strategic Protection Unlocks Uninterrupted Personal Growth, Shields Your Ambitions, and Builds a Truly Resilient Life Against Tomorrow's Unseen Challenges.
In today’s fast-paced world, ambition is our currency. We meticulously plan our careers, nurture our families, and chase personal goals with relentless dedication. We build business plans, investment portfolios, and five-year life strategies. Yet, in our quest for growth, we often overlook the one variable that can derail it all: the unexpected. A sudden illness, a serious injury, or a life-altering diagnosis can instantly shatter the most carefully constructed plans, replacing ambition with anxiety and progress with preservation.
But what if you could build a fortress around your future? What if you could create a financial and emotional backstop that allows you to pursue your goals with unshakeable confidence? This is the power of strategic protection.
This isn't about dwelling on the worst-case scenarios. It’s about empowerment. It's about transforming insurance from a grudging expense into a proactive investment in your potential. By safeguarding your health, your income, and your family's security, you’re not just buying a policy; you are purchasing the freedom to be bold, to take calculated risks, and to live a life of uninterrupted growth.
This definitive guide will explore how the core pillars of protection—Income Protection, Critical Illness Cover, and Life Insurance—serve as the unsung heroes of personal and professional achievement. We’ll unpack how they form a resilient foundation, shielding your ambitions from life's unforeseen challenges and truly future-proofing your potential.
The Modern Landscape of Risk: Why Future-Proofing is No Longer Optional
We live in an era of unprecedented opportunity, but it’s also an era of unique vulnerabilities. The notion that "it won't happen to me" is a dangerous gamble when the statistics paint a starkly different picture of life in the UK today.
The Health Reality Check
Despite incredible advances in medicine, the health challenges facing the UK population are significant.
- Cancer: The data from Cancer Research UK remains a sobering reminder of our vulnerability, with projections indicating that 1 in 2 people in the UK will be diagnosed with some form of cancer during their lifetime. While survival rates are thankfully improving, recovery often involves significant time away from work and substantial financial strain.
- Heart and Circulatory Diseases: According to the British Heart Foundation, over 7.6 million people in the UK are living with heart and circulatory diseases. A sudden event like a heart attack or stroke can happen to anyone, at any age, and its impact on one's ability to earn can be immediate and long-lasting.
- Mental Health: The Health and Safety Executive (HSE) reports that stress, depression, or anxiety account for a significant portion of all work-related ill health cases. In 2022/23, an estimated 17.1 million working days were lost due to these conditions, highlighting a widespread issue that directly impacts income and productivity.
The Fragile Financial Safety Net
For many UK households, the financial buffer to withstand a health crisis is perilously thin.
- The Financial Conduct Authority's (FCA) Financial Lives survey consistently shows a worrying lack of financial resilience. Their 2022 data revealed that millions of UK adults have little to no savings, with a substantial number having less than £1,000 to fall back on.
- For those in employment, the state-provided safety net is minimal. Statutory Sick Pay (SSP) currently stands at £116.75 per week, payable for a maximum of 28 weeks. For the average family, this amount barely scratches the surface of monthly expenditure.
Let's put that into perspective:
| Average UK Monthly Household Outgoings (ONS, 2024 data projections) | Amount | Statutory Sick Pay (4.33 weeks) | Shortfall |
|---|---|---|---|
| Housing, Fuel & Power | £850 | £505.58 | -£344.42 |
| Transport | £430 | £505.58 | +£75.58 |
| Food & Non-alcoholic Drinks | £380 | £505.58 | +£125.58 |
| Total Essential Spending (Example) | £1,660 | £505.58 | -£1,154.42 |
As the table clearly illustrates, relying on SSP alone creates an immediate and unsustainable financial black hole for most households.
The Rise of the Independent Workforce
The UK's labour market has transformed. The Office for National Statistics (ONS) shows a robust self-employed sector, comprising freelancers, contractors, and small business owners. While this offers freedom and flexibility, it comes at the cost of traditional employment benefits. For these individuals, there is no employer sick pay, no death-in-service benefit, and no safety net beyond what they create for themselves. An inability to work, even for a few weeks, means an immediate stop to all income.
The Three Pillars of Personal Resilience: A Deep Dive into Protection Insurance
To counter these risks, a robust protection strategy is built on three key pillars. Each serves a distinct purpose, but together they create a comprehensive shield for you and your loved ones.
Pillar 1: Income Protection (IP) - Your Monthly Financial Backstop
Often considered the bedrock of financial planning, Income Protection is designed to protect your single greatest asset: your ability to earn a living.
What is it? An Income Protection policy pays out 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 are able to return to work, the policy term ends (typically at your chosen retirement age), or you pass away.
Who is it for? Frankly, anyone whose lifestyle depends on their monthly salary. This is especially critical for:
- The self-employed and freelancers with no other safety net.
- Company directors whose income is vital for their family.
- Employees with limited sick pay schemes from their employer.
- Those in high-risk jobs, like tradespeople or healthcare workers, who may benefit from specialised 'Personal Sick Pay' policies designed for their needs.
Key Features to Understand:
- Benefit Amount: You can typically insure up to 50-70% of your gross (pre-tax) income. This is to ensure you have an incentive to return to work and to account for the fact the benefit is paid tax-free.
- Deferred Period: This is the pre-agreed waiting period from when you stop working to when the policy starts paying out. It can range from 4 weeks to 52 weeks. The longer the deferred period you choose, the lower your premium. A smart strategy is to align your deferred period with any employer sick pay or cash savings you have.
- Payment Term: You can choose a short-term plan that pays out for a limited period (e.g., 1, 2, or 5 years per claim) or a long-term plan that pays out right up until your chosen retirement age. While cheaper, short-term plans leave you exposed to the financial devastation of a career-ending illness. Long-term cover offers the most comprehensive security.
- Definition of Incapacity: This is arguably the most crucial aspect of an IP policy. It defines the conditions under which the insurer will pay your claim.
| Definition of Incapacity | Explanation | Recommendation |
|---|---|---|
| Own Occupation | You will receive a payout if you are unable to perform your specific job role. | The gold standard. It protects your career and income level. A surgeon who loses dexterity in their hand can claim, even if they could work in another role. |
| Suited Occupation | You will only receive a payout if you are unable to do your own job or a similar one based on your skills and experience. | Less comprehensive. The surgeon in our example might be deemed fit to work as a medical lecturer, and the claim could be declined. |
| Any Occupation | You will only receive a payout if you are so incapacitated that you are unable to perform any job whatsoever. | The weakest definition. This type of cover should generally be avoided as it offers very limited protection. |
Working with an expert adviser, such as our team at WeCovr, is vital to ensure you select a policy with a strong 'Own Occupation' definition that matches your profession.
Pillar 2: Critical Illness Cover (CIC) - A Lump Sum for Life's Major Health Battles
While Income Protection replaces lost monthly income, Critical Illness Cover is designed to provide a large, tax-free lump sum if you are diagnosed with a specific, life-altering medical condition.
What is it for? The financial impact of a serious illness goes far beyond a loss of salary. A CIC payout provides financial breathing room and options, allowing you to focus entirely on your recovery. It can be used for:
- Clearing Debts: Pay off your mortgage, car loan, or credit cards to drastically reduce monthly outgoings.
- Funding Medical Care: Access private treatment, specialist therapies, or consultations not readily available on the NHS.
- Adapting Your Home: Make necessary modifications, such as installing a ramp or a downstairs bathroom.
- Replacing a Partner's Income: Allow your partner to take time off work to care for you.
- Taking a recuperative break once you are well enough to travel.
What conditions are covered? The 'core' conditions covered by most insurers are cancer, heart attack, and stroke, which make up the vast majority of claims. However, comprehensive policies can cover over 50, and in some cases over 100, specific conditions, including multiple sclerosis, kidney failure, major organ transplant, and Parkinson's disease.
The number and definitions of illnesses covered can vary dramatically between insurers. This is not a place to simply choose the cheapest option; the quality of the definitions is paramount. For example, some policies pay out on diagnosis of less advanced cancers, which can be a significant benefit.
According to the Association of British Insurers (ABI), in 2023, the insurance industry paid out over £1.2 billion in Critical Illness claims, demonstrating that these policies are there when people need them most.
Pillar 3: Life Insurance - Protecting Your Legacy and Loved Ones
Life Insurance is the ultimate expression of care for those you leave behind. It’s a promise that, should the worst happen to you, their financial future will be secure.
What is it? A policy that pays out a sum of money upon the policyholder's death (or diagnosis of a terminal illness with a life expectancy of less than 12 months).
Who is it for? Anyone with financial dependents or liabilities. This includes:
- Parents with young children.
- Couples with a joint mortgage.
- Business owners with financial commitments.
- Individuals who want to leave an inheritance or cover funeral costs.
Choosing the Right Type of Life Insurance:
| Policy Type | How It Works | Best For |
|---|---|---|
| Level Term Assurance | The payout amount is fixed and the policy runs for a set term (e.g., 25 years). | Covering an interest-only mortgage or providing a lump sum for family living costs. |
| Decreasing Term Assurance | The payout amount reduces over time, usually in line with a repayment mortgage balance. | A cost-effective way to ensure your mortgage is paid off upon death. |
| Family Income Benefit | Instead of a lump sum, it pays out a regular, tax-free monthly or annual income until the policy term ends. | Providing a replacement income for your family, which can be easier to manage than a large lump sum. |
| Whole of Life | The policy covers you for your entire life and is guaranteed to pay out whenever you die. | Covering a future Inheritance Tax (IHT) liability or leaving a guaranteed legacy. |
| Gift Inter Vivos | A specialised policy designed to cover the potential Inheritance Tax liability on large gifts made during your lifetime. | Individuals making substantial gifts who want to protect their beneficiaries from a future tax bill. |
The Growth Multiplier: How Protection Fuels Ambition & Opportunity
Viewing insurance purely as a defensive tool misses its most powerful benefit: its ability to actively fuel growth. By creating a secure foundation, protection insurance gives you the confidence to reach higher.
1. Unlocking Psychological Freedom Financial anxiety is a silent drain on mental energy. Worrying about "what if" scenarios consumes cognitive resources that could be better spent on creative problem-solving, strategic thinking, and personal development. When you know your income is protected and your family's home is safe, you liberate yourself from this background stress. This mental clarity is a powerful catalyst for growth.
2. Enabling Bold Career Moves A robust protection portfolio is an entrepreneur's secret weapon.
- Starting a Business: The biggest barrier to entrepreneurship is often the fear of financial instability. With Income Protection and Critical Illness cover in place, you can take the leap, knowing that a health setback won’t bankrupt your family while your business is in its infancy.
- Going Freelance: Income Protection directly replaces the safety net of paid sick leave you give up when leaving traditional employment, making a freelance career a viable and secure option.
- Career Change or Further Education: Want to retrain for a more fulfilling but initially lower-paid career? Or take a year off to pursue a master's degree? A solid protection plan ensures your core financial obligations are met, giving you the freedom to invest in yourself.
3. Insuring Your Most Valuable Asset For most people, their ability to earn an income over their lifetime is a multi-million-pound asset. It’s the engine that powers everything else: your home, your investments, your pension, your children's future. You wouldn't own a £2 million property without insuring it, yet millions leave their income completely unprotected. Income Protection is the insurance for this critical asset.
4. A Partnership in Your Wellbeing Modern insurers are increasingly becoming wellness partners. Many top-tier policies now include a wealth of added benefits at no extra cost, such as:
- 24/7 Virtual GP services
- Mental health support and counselling sessions
- Second medical opinion services
- Nutrition and fitness programmes
- Reward schemes for healthy living
This is where we at WeCovr go a step further. We believe in proactive health management, which is why we provide our valued clients with complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app. It’s our way of investing in your long-term health, helping you build positive habits that not only improve your quality of life but can also contribute to more favourable insurance premiums in the long run.
Tailored Strategies for High Achievers: Protection for Business Owners & Directors
For company directors, business owners, and key decision-makers, personal resilience is intrinsically linked to business resilience. A personal crisis can quickly become a corporate one. Fortunately, a suite of tax-efficient, business-focused protection products exists to safeguard both.
Key Person Insurance
Imagine your business's top salesperson, who generates 40% of your revenue, is suddenly unable to work due to a serious illness. The impact would be immediate and devastating. Key Person Insurance is designed to protect a business from the financial fallout of losing a crucial member of the team to death or critical illness.
The policy is owned and paid for by the business, and the payout goes directly to the business to be used for:
- Covering lost profits during the disruption.
- Funding the recruitment and training of a replacement.
- Reassuring lenders and investors.
- Repaying business loans that the key person may have guaranteed.
Relevant Life Cover
This is one of the most tax-efficient ways for a limited company to provide death-in-service benefits for an employee or director. It's essentially a personal life insurance policy, but paid for by the business.
The Tax Advantages are Compelling:
| Feature | Personal Life Insurance | Relevant Life Cover |
|---|---|---|
| Premium Payment | Paid from your post-tax personal income. | Paid by the company from pre-tax profits. |
| Tax Deductibility | Not an allowable expense. | An allowable business expense, reducing the company's corporation tax bill. |
| Benefit in Kind? | N/A | Not typically treated as a P11D benefit for the employee. |
| National Insurance | N/A | No employer or employee NI contributions are due. |
For a higher-rate taxpayer, this structure can result in savings of nearly 50% compared to a personally funded policy.
Executive Income Protection
Similar to a Relevant Life Plan, Executive Income Protection is a policy paid for by the business to provide an income for a director or employee if they're unable to work. It’s treated as an allowable business expense and offers a way to secure a high level of personal income protection in a highly tax-efficient manner. The benefit is paid to the company, which then distributes it to the employee via PAYE, ensuring business continuity and personal financial security.
Shareholder or Partnership Protection
For businesses with multiple owners, the death or critical illness of one partner can trigger a crisis. Their shares may pass to their family, who may have no interest in the business or may wish to sell them to a competitor.
Shareholder Protection provides a lump sum to the surviving owners, enabling them to buy the shares from the deceased owner's estate at a pre-agreed price. This ensures a smooth transition, maintains control for the remaining owners, and provides fair value to the departing owner's family.
Building Your Fortress: Practical Steps to Getting Covered
Putting your protection in place is a straightforward process when broken down into logical steps.
Step 1: Assess Your 'Why' Before looking at products, understand what and who you are protecting. Is your primary goal to...
- Ensure your mortgage is always paid?
- Provide an income for your family to live on?
- Protect your personal income against sickness?
- Safeguard your business from the loss of a key person?
- Cover a future inheritance tax bill?
Your answers will determine the types and structure of the policies you need.
Step 2: Calculate Your 'How Much'
- Life Insurance: A common formula is:
Mortgage Balance + Other Debts + (10 x Annual Salary)to provide a decade of income. - Critical Illness Cover: Aim for 1-2 years of your net salary to give you a significant financial cushion during recovery.
- Income Protection: Calculate your essential monthly outgoings and insure this amount, ensuring it doesn't exceed 60-70% of your gross income.
Step 3: Be Honest in Your Application When you apply for insurance, you will be asked questions about your medical history, lifestyle (smoking, alcohol consumption), occupation, and hobbies. It is absolutely vital that you answer these questions with complete honesty. Non-disclosure—failing to reveal a material fact—can give the insurer grounds to void your policy and refuse a claim, leaving your family with nothing.
Step 4: Use an Expert Independent Broker The protection market is complex. Definitions, terms, and prices vary enormously. Using an independent expert broker like WeCovr is invaluable. We can:
- Scan the entire market from all major UK insurers to find the most suitable and competitive policy for you.
- Provide expert advice on which product features and definitions matter for your specific circumstances.
- Help with the application process, ensuring it's completed correctly.
- Advise on complex cases, such as pre-existing medical conditions or hazardous occupations, finding specialist insurers who are more likely to offer terms.
- Assist at the point of claim, which can be a lifeline during a stressful time.
Step 5: Place Your Policy 'In Trust' This is a simple but critically important step for most life insurance policies. A trust is a simple legal arrangement that separates the policy payout from your legal estate.
- It speeds up the payout: The money goes directly to your chosen beneficiaries without having to wait for probate, which can take many months.
- It can avoid Inheritance Tax: Because the money is not part of your estate, it is not normally subject to 40% IHT.
Setting up a trust is usually free and a good adviser will guide you through the simple paperwork.
Beyond the Policy: Cultivating a Holistically Resilient Life
Strategic insurance is the foundation, but true resilience is a holistic pursuit. The choices you make every day contribute to the future you are building.
- Prioritise Physical Health: A balanced diet, regular exercise, and adequate sleep are your first line of defence against illness. They not only improve your wellbeing but also lead to lower insurance premiums. Tools like the complimentary CalorieHero app we offer our clients can make tracking your nutrition simple and effective.
- Nurture Mental Wellbeing: Develop coping mechanisms for stress, practice mindfulness, and don't be afraid to seek professional support when needed. Many protection policies now offer mental health support lines as a standard benefit.
- Build Financial Health: Protection insurance works best alongside other good financial habits. Maintain a budget, build an emergency fund (ideally 3-6 months of expenses), and contribute consistently to your pension. Your emergency fund can neatly cover the deferred period on an Income Protection policy.
Conclusion: Your Ambition, Secured
Future-proofing your potential is not about fearing what tomorrow may bring. It is about confidently striding towards it, knowing you have built a structure of resilience that can withstand the unexpected.
Strategic protection—Income Protection, Critical Illness Cover, and Life Insurance—is the bedrock of this structure. It is the intelligent, proactive choice that transforms vulnerability into security, and anxiety into ambition. It’s the quiet enabler that allows you to take risks, chase opportunities, and build the business, career, and life you've always envisioned, safe in the knowledge that your progress is protected.
Don't just plan for your future; shield it. Unlock your full potential by building a truly resilient life today.
Is protection insurance expensive?
I'm young and healthy, do I really need it?
Will insurers actually pay out claims?
What if I have a pre-existing medical condition?
What's the difference between Income Protection and Critical Illness Cover?
- Income Protection is designed to replace your monthly income. It pays a regular, tax-free sum if you're unable to work due to any illness or injury. It can pay out for many years, even until retirement.
- Critical Illness Cover is designed to deal with the financial impact of a specific, serious illness. It pays a one-off, tax-free lump sum upon diagnosis of a condition listed in the policy.
Can I get cover if I'm self-employed?
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!