Unlock Your Future: The Resilience Dividend
Imagine a life where unexpected health crises or career setbacks don't derail your personal growth, but instead solidify your resilience and amplify your potential. This isn't merely about financial protection; it's about actively investing in an unshakeable future for yourself and your loved ones. As projected health statistics like 1 in 2 people facing a cancer diagnosis by 2025 underscore the unpredictable, and the daily risks for crucial professions like tradespeople, nurses, and electricians highlight income vulnerability, understanding robust solutions is critical. Delve into how tailored instruments—from Family Income Benefit and Income Protection to Personal Sick Pay, Life and Critical Illness Cover, and the strategic advantages of Gift Inter Vivos for lump sum payments on death—form the bedrock of true freedom. Discover how private health insurance complements these pillars, offering swift access to care and empowering a faster return to your purpose, transforming uncertainty into a powerful catalyst for enduring well-being, peace of mind, and continuous personal evolution.
The Unpredictable Landscape of Modern British Life
We all strive for stability and progress. We map out our careers, save for mortgages, and dream of futures filled with travel, family, and personal achievement. Yet, life is inherently unpredictable. The foundations we build can be shaken by events entirely outside of our control, primarily concerning our health and our ability to earn an income.
Understanding this landscape isn't about fostering anxiety; it's about building awareness so we can construct a more robust, resilient future.
The Stark Health Realities We Face
While the UK enjoys a world-class health service in the NHS, the statistical realities of modern health are sobering. These aren't just numbers; they represent friends, family members, and colleagues.
- The Pervasiveness of Cancer: Cancer Research UK projects that 1 in 2 people in the UK born after 1960 will be diagnosed with some form of cancer during their lifetime. While survival rates are continuously improving, a diagnosis inevitably brings significant disruption, not just physically and emotionally, but also financially.
- Cardiovascular Conditions: The British Heart Foundation reports that around 7.6 million people are living with heart and circulatory diseases in the UK. A heart attack or stroke can happen suddenly, often requiring a long and challenging recovery period that makes returning to work impossible for months, if not longer.
- The Mental Health Crisis: The impact of mental health on our ability to work is profound. According to the Health and Safety Executive's 2023 report, stress, depression, or anxiety accounted for a staggering 17.1 million working days lost in 2022/23. These conditions are not just "in the mind"; they are debilitating illnesses that require time and support to manage and recover from.
These statistics paint a clear picture: a serious health event is not a remote possibility but a mainstream probability over the course of a lifetime.
The Income Vulnerability Gap: Who is Most at Risk?
While everyone is susceptible to health issues, some professions and employment statuses carry a higher degree of income vulnerability.
Crucial Manual Professions: Tradespeople like electricians, plumbers, and builders, along with frontline healthcare workers such as nurses, form the backbone of our society. Their work is often physically demanding, carrying a higher-than-average risk of injury. A bad fall, a repetitive strain injury, or burnout can mean an immediate stop to their earnings. They cannot simply "work from home" while a broken leg heals.
The Self-Employed and Freelancers: The entrepreneurial spirit is thriving in the UK, with millions choosing the freedom and flexibility of self-employment. However, this freedom comes at a price: there is no employer sick pay, no holiday entitlement, and no safety net if work dries up or they are too ill to complete a project. An illness doesn't just mean a loss of income for a week; it can mean the loss of clients and the collapse of a business built over years.
Company Directors: While they may seem secure, company directors face unique pressures. The success of their business often rests squarely on their shoulders. A prolonged absence due to illness can jeopardise contracts, affect staff morale, and impact the company's bottom line, creating immense personal and professional stress.
Can the State Safety Net Catch You?
Many people assume that, should they become too ill to work, the state will provide. The reality is starkly different.
The primary support available is Statutory Sick Pay (SSP). For the 2024/25 tax year, this amounts to just £116.75 per week, and it is only payable by an employer for a maximum of 28 weeks. The self-employed are not entitled to SSP at all.
To put this into perspective, let's compare it to average UK household expenditure.
| Expense Category | Average Weekly Cost (ONS, 2023) |
|---|---|
| Housing, Fuel & Power | £106.30 |
| Food & Non-alcoholic Drinks | £71.50 |
| Transport | £74.60 |
| Recreation & Culture | £75.40 |
| Total Average Weekly Spend | £671.00 |
| Statutory Sick Pay (SSP) | £116.75 |
As the table clearly shows, SSP covers only a tiny fraction of the average family's outgoings. Relying on it is not a viable strategy; it's a direct path to financial hardship, forcing people to eat into savings, rely on credit cards, or face devastating choices.
This is the "Resilience Gap" – the chasm between the support we think we have and the financial reality of being unable to work. Closing this gap is the first and most crucial step toward building a truly unshakeable future.
Building Your Financial Fortress: The Core Pillars of Protection
True financial resilience is not about a single product; it's about a carefully constructed fortress with multiple layers of defence. Each pillar of protection serves a distinct purpose, working together to ensure that no single event can bring down your financial well-being.
Let's explore the foundational pillars that every individual, couple, and family in the UK should consider.
1. Income Protection: The Bedrock of Your Financial Plan
If you could only choose one policy, a strong case could be made for Income Protection (IP). Why? Because your ability to earn an income is your single greatest asset. It pays for everything: your home, your bills, your food, and your future.
What is it? Income Protection provides a regular, tax-free monthly income if you are unable to work due to any illness or injury. It’s designed to replace a significant portion of your lost earnings, typically 50-70% of your gross salary.
Why is it the bedrock? Unlike other policies, IP is designed for the long haul. It can pay out for a set period (e.g., 2 or 5 years) or, crucially, right up until you are able to return to work or reach retirement age. This protects you from both short-term setbacks and career-ending conditions.
Key Terms to Understand:
- The Deferral Period: This is the pre-agreed waiting time from when you stop working to when the policy starts paying out. It can range from 4 weeks to 52 weeks. You can align this with your employer's sick pay scheme or your personal savings to make the premium more affordable. A longer deferral period means a lower monthly cost.
- Definition of Incapacity: This is the most critical part of any IP policy.
- Own Occupation: The gold standard. The policy pays out if you are unable to perform your specific job. A surgeon with a hand tremor could claim, even if they could work in a different role.
- Suited Occupation: Pays out if you can't do your own job or a similar one for which you are qualified by experience and education.
- Any Occupation: The most restrictive. Only pays out if you are so incapacitated you cannot perform any kind of work. It is best to avoid this definition if possible.
- Short-term vs. Full-term: Short-term policies limit payouts to 1, 2, or 5 years per claim. Full-term policies will pay out until your chosen retirement age if you are unable to ever return to work.
2. Critical Illness Cover: The Financial First Responder
A serious illness brings with it a host of unexpected costs that go far beyond the loss of income. This is where Critical Illness Cover (CIC) steps in.
What is it? CIC pays out a tax-free lump sum on the diagnosis of a specified serious illness. The list of conditions covered is defined in the policy but almost always includes major cancers, heart attacks, and strokes, which represent the vast majority of claims.
How does it help? The lump sum provides breathing space and options. It can be used for anything you need to help with your recovery and reduce financial stress:
- Clearing Debts: Pay off a mortgage, car loan, or credit cards to drastically reduce your monthly outgoings.
- Funding Private Treatment: Access treatments or specialist consultations not readily available on the NHS.
- Adapting Your Home: Make necessary modifications, like installing a ramp or a stairlift.
- Replacing Lost Income: Allow a partner to take time off work to care for you.
- Taking a Recuperative Holiday: Focus on your recovery without financial worry.
Many people choose to take out Critical Illness Cover alongside their Life Insurance policy, often as a combined plan.
3. Life Insurance: Protecting Your Legacy
Life Insurance is perhaps the most well-known form of protection. It’s a simple, powerful promise: if you die, your loved ones will receive a financial payout to help them cope without you.
Who needs it? Anyone whose death would have a financial impact on someone else. This includes:
- Couples with a joint mortgage.
- Parents with dependent children.
- Someone with a partner who relies on their income.
- Business owners with financial partners.
What are the main types?
| Type of Life Insurance | How It Works | Best For |
|---|---|---|
| Level Term Assurance | The payout amount (sum assured) remains fixed throughout the policy term. | Covering an interest-only mortgage, providing a set inheritance for children, or leaving a lump sum for your family's future expenses. |
| Decreasing Term Assurance | The payout amount reduces over time, typically in line with a repayment mortgage. | Specifically covering a repayment mortgage, as the cover decreases alongside the outstanding loan. It is usually the most affordable option. |
| Family Income Benefit | Instead of a lump sum, it pays out a regular, tax-free monthly or annual income for the remainder of the policy term. | Young families who would benefit more from a regular income to replace the deceased's salary, rather than managing a large lump sum. |
Choosing the right type depends entirely on what you want to protect. A specialist adviser at WeCovr can help you model different scenarios to see which structure best fits your family's needs.
4. Personal Sick Pay: Accessible Cover for Hands-On Professionals
For those in physically demanding jobs or the gig economy, a full Income Protection policy might sometimes feel out of reach or misaligned with their immediate risks. This is where Personal Sick Pay, a type of short-term income protection, shines.
What is it? It’s a streamlined policy designed to provide a replacement income for a shorter period, typically up to 12 or 24 months. It’s often simpler to apply for and can be more budget-friendly.
Who is it for? It's particularly popular with:
- Tradespeople: Electricians, builders, and decorators who face a high risk of injuries that could take them out of work for several months.
- Nurses and Healthcare Assistants: Who are on their feet all day and are susceptible to musculoskeletal issues or burnout.
- Freelance Creatives and Drivers: Who need a safety net to cover their bills during a period of illness without committing to a long-term policy.
Personal Sick Pay provides a crucial buffer, ensuring that a broken arm doesn't lead to missed rent payments or mounting debt.
Specialised Solutions for Business Leaders and Planners
Beyond personal protection, a suite of specialised insurance products exists to protect the financial health of businesses and to facilitate astute legacy planning. These are powerful instruments for company directors, business owners, and savvy individuals planning for the future.
For Company Directors & Business Owners
A successful business is more than just a balance sheet; it's a dynamic entity powered by key individuals. Protecting the business against the loss of these individuals is paramount.
1. Key Person Insurance: Imagine your business's top salesperson, who brings in 40% of your revenue, or your lead software developer, the only person who understands your core product architecture, is suddenly unable to work due to a critical illness or death. The financial impact would be immediate and severe.
Key Person Insurance is a policy taken out by the business on such an individual. If the key person dies or is diagnosed with a specified critical illness, the policy pays a lump sum to the business. This money can be used to:
- Recruit a replacement.
- Cover lost profits during the disruption.
- Reassure lenders and investors.
- Fund the repayment of a director's loan.
2. Executive Income Protection: This is a standard Income Protection policy, but it is owned and paid for by the company on behalf of an employee or director. This structure offers significant advantages:
- For the Company: The premiums are typically considered an allowable business expense, making it highly tax-efficient.
- For the Employee: It’s a highly valued benefit that doesn't count as a P11D benefit-in-kind, meaning no extra personal tax liability. It helps attract and retain top talent.
3. Relevant Life Cover: Many small businesses want to offer a 'death-in-service' benefit but are too small to set up a full group life scheme. Relevant Life Cover is the solution. It's a company-paid, individual death-in-service policy that pays a tax-free lump sum to the employee's family. The premiums are generally an allowable business expense, and it doesn't form part of the employee's lifetime pension allowance.
For Astute Estate Planning
Effective planning isn't just about accumulating wealth; it's about ensuring it passes to your loved ones efficiently.
Gift Inter Vivos Insurance: Inheritance Tax (IHT) is a significant consideration for many. When you give a large cash gift or asset to someone (a 'Potentially Exempt Transfer'), it is not immediately exempt from your estate for IHT purposes. It only becomes fully exempt if you survive for 7 years after making the gift. If you die within this 7-year period, the gift becomes part of your estate and could be subject to IHT on a sliding scale.
This creates uncertainty for the recipient, who may have already spent the money. Gift Inter Vivos (GIV) insurance is a specific type of life insurance policy designed to solve this problem. It provides a lump sum payout on death that is intended to cover the potential IHT liability on the gift. The policy term is typically 7 years, and the cover amount reduces over time, mirroring the 'taper relief' rules for IHT on gifts. It provides peace of mind for both the giver and the receiver.
Here's a summary of these strategic solutions:
| Policy Type | Who Pays? | Who Benefits? | Primary Purpose |
|---|---|---|---|
| Key Person Insurance | The Business | The Business | Protects business continuity and profits. |
| Executive Income Protection | The Business | The Employee | Provides tax-efficient income replacement as a perk. |
| Relevant Life Cover | The Business | The Employee's Family | Offers a tax-efficient death-in-service benefit. |
| Gift Inter Vivos | The Giver (Individual) | The Gift Recipient | Covers the potential Inheritance Tax on a large gift. |
The Accelerator: How Private Medical Insurance (PMI) Complements Your Protection
While the core protection pillars secure your finances, Private Medical Insurance (PMI) is the accelerator for your physical recovery. It's the component that empowers you to get back to your life, your work, and your purpose faster.
The NHS is a national treasure, but it is under immense pressure. As of early 2025, NHS England waiting lists for consultant-led elective care remain stubbornly high, with millions of people waiting for treatment. This can mean months, or even years, of living with pain, discomfort, and uncertainty.
How does PMI work in harmony with your other protection?
Imagine you develop a severe joint problem that requires surgery.
- Without PMI: You are placed on an NHS waiting list. You may be in too much pain to work. Your Income Protection policy kicks in after the deferral period, paying your bills and keeping your household afloat financially while you wait.
- With PMI: You can bypass the long waiting list. Your PMI policy gives you swift access to a private specialist consultation, diagnostics (like an MRI scan), and the subsequent surgery at a time and hospital of your choice. You get treated much faster. Your Income Protection policy still covers you for the shorter period you are off work, ensuring no financial pressure.
PMI doesn't replace income, but it significantly shortens the period during which you might need to rely on your Income Protection. This synergy is a powerful part of the "Resilience Dividend" – it's not just about surviving a health crisis, but thriving through it by taking control of your recovery timeline.
Key benefits of PMI include:
- Speed of Access: Dramatically reduce the wait for diagnosis and treatment.
- Choice and Control: Choose your specialist, consultant, and hospital.
- Access to Advanced Treatments: Gain access to new drugs or therapies that may not yet be available on the NHS.
- Comfort and Privacy: Recover in a private room with more flexible visiting hours.
Beyond the Policy: Cultivating Everyday Resilience
An insurance policy is a reactive safety net. True, holistic resilience is also about the proactive, everyday choices we make to build a healthier, more robust life. Investing in your well-being is the ultimate form of protection.
Here are some simple, actionable ways to invest in your personal resilience dividend:
1. Fuel Your Body, Fuel Your Mind
A balanced diet is fundamental to both physical and mental health. Focus on whole foods, including a variety of fruits and vegetables, lean proteins, and healthy fats. Good nutrition can boost your immune system, improve your mood, and give you the energy to tackle life's challenges. As part of our commitment to our clients' holistic well-being, WeCovr provides complimentary access to our AI-powered calorie and nutrition tracker, CalorieHero, helping you make informed choices every day.
2. The Restorative Power of Sleep
Sleep is not a luxury; it is a biological necessity. Aim for 7-9 hours of quality sleep per night. Consistent, restorative sleep is critical for cognitive function, emotional regulation, and physical repair. A well-rested mind is a more resilient mind.
3. Embrace Mindful Movement
You don't need to run a marathon. Regular, moderate activity—a brisk 30-minute walk, a gentle yoga class, a bike ride—has profound benefits. Exercise releases endorphins, reduces stress, and improves cardiovascular health, making your body better equipped to handle both physical and mental pressures.
4. Master Your Stress
Chronic stress is a silent enemy of resilience. Practice simple stress-management techniques. This could be five minutes of mindfulness meditation, deep breathing exercises when you feel overwhelmed, or simply setting aside time for hobbies that bring you joy and allow you to switch off.
Navigating the Market: Why Expert Guidance is Crucial
The UK protection market is vast and complex. There are dozens of insurers, each offering multiple products with different features, benefits, and, most importantly, different definitions in the small print.
Trying to navigate this alone can be overwhelming and lead to costly mistakes, such as:
- Choosing a policy based on price alone, only to discover it has a restrictive "any occupation" definition.
- Buying too much or too little cover for your actual needs.
- Failing to disclose something correctly on the application, which could jeopardise a future claim.
This is where an independent, expert broker is invaluable. A service like WeCovr doesn't just sell you a policy; we act as your professional guide.
- We listen: We take the time to understand your personal circumstances, your budget, and your goals.
- We compare: We have access to the entire market and use our expertise to compare policies from all the major UK insurers, finding the one that offers the best value and the most appropriate cover for you.
- We translate: We explain the jargon and the small print, so you know exactly what you are buying.
- We support: We help you through the application process and, crucially, we are there to provide assistance and support if you ever need to make a claim – the moment when you need an expert in your corner the most.
Your Resilience Dividend Awaits
Investing in protection is not about dwelling on the worst-case scenarios. It's about liberation. It's about removing the deep-seated financial anxiety that comes with life's 'what ifs'.
When you know that your mortgage will be paid, your family will have an income, and your recovery will be supported no matter what, you unlock something profound: the freedom to pursue your goals with confidence. You can take career risks, start that business, or focus on your personal growth, knowing you have a robust financial fortress standing behind you.
This is the Resilience Dividend. It's the peace of mind that allows you to live a bigger, bolder, and more fulfilling life, transforming uncertainty from a source of fear into a catalyst for enduring well-being. Take the first step today. Review your protection needs and build the unshakeable future you deserve.
Frequently Asked Questions (FAQs)
Is protection insurance expensive?
Do I need a medical exam to get cover?
What if I have a pre-existing medical condition?
Can I trust insurers to pay out?
How much cover do I actually need?
Can I have more than one type of policy?
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!