Unlock Your Potential: The Resilience Blueprint
The Unseen Foundation of True Freedom: How Proactive Financial Resilience and Strategic Health Cover, from Income Protection for All to Specialized Sick Pay for Trades, Empowers Your Personal Growth and Secures Your Future in a 2025 World Where Over Half Face Life-Altering Health Realities.
True freedom. It’s a concept we all strive for. We often associate it with financial wealth, exotic travel, or the ability to leave a demanding job. But what if the real foundation of freedom is something less visible, yet infinitely more powerful? What if it’s the quiet confidence that comes from knowing you are protected against life’s most challenging uncertainties?
This is the essence of the Resilience Blueprint. It’s a proactive strategy for life that intertwines your physical and financial wellbeing, creating a safety net so robust that it empowers you to take calculated risks, pursue your passions, and grow without the paralysing fear of ‘what if?’.
In 2025, this blueprint is no longer a luxury; it’s a necessity. We live in an era of unprecedented medical advancement, yet we also face stark health realities. Leading organisations like Cancer Research UK project that 1 in 2 people in the UK will be diagnosed with cancer in their lifetime. The Office for National Statistics (ONS) reports record numbers of people out of work due to long-term sickness. These aren't just statistics; they are the potential realities for our friends, our families, and ourselves.
This guide will deconstruct the Resilience Blueprint, showing you how strategic health and financial protection is the ultimate enabler of personal and professional growth. From the universal necessity of Income Protection to the specialised cover vital for tradespeople and company directors, we will explore the tools that secure your future and unlock your true potential.
The Stark Reality of Health and Finances in the UK: A 2025 Snapshot
To build a resilient future, we must first understand the landscape we’re navigating. The connection between health and financial stability is undeniable, and recent data paints a sobering picture for UK households. Ignoring these trends is like setting sail without checking the weather forecast.
The Rise of Long-Term Sickness: According to the latest ONS figures, the number of people economically inactive due to long-term sickness has reached a record high, numbering well over 2.8 million people. This isn't a temporary trend; it's a structural shift in the health of the nation's workforce, impacting productivity, household income, and reliance on a strained welfare system.
The Financial Domino Effect of Illness: A serious health issue is rarely just a health issue. It triggers a cascade of financial consequences:
- Income Shock: The primary impact is a sudden loss of earnings.
- Increased Costs: Everyday expenses can rise due to travel for treatment, home modifications, or specialist care.
- Savings Depletion: Families are often forced to burn through their life savings in a matter of months. A 2024 report from the Financial Conduct Authority (FCA) highlighted that a significant portion of UK adults have less than £1,000 in savings, leaving them incredibly vulnerable.
- Debt Accumulation: When savings run out, debt is often the next step, creating long-term financial stress.
The Inadequacy of State Support: Many people assume the state will provide a sufficient safety net. The reality is often a shock.
- Statutory Sick Pay (SSP): For the year 2024/2025, SSP is just £116.75 per week, payable by your employer for up to 28 weeks. Compare this to the average family's weekly outgoings, and the gap is alarming.
- State Benefits: While further support like Employment and Support Allowance (ESA) exists, the eligibility criteria are stringent, the application process can be lengthy and stressful, and the amounts provided are designed for basic subsistence, not for maintaining your family's lifestyle.
| Support System | Typical Weekly Amount (2024/25) | Key Limitation |
|---|---|---|
| Statutory Sick Pay (SSP) | £116.75 | Maximum 28 weeks; not available for most self-employed. |
| New Style ESA | From £84.80 (assessment phase) | Means-tested and requires meeting strict work capability criteria. |
| Average UK Household Spending | £528 (ONS Family Spending) | SSP covers less than a quarter of typical expenditure. |
This data isn't meant to scare you; it’s meant to empower you. Understanding the risks is the first step toward effectively mitigating them.
What is Financial Resilience and Why is it Your Greatest Asset?
Financial resilience isn't about being rich. It's about having a financial structure that can bend without breaking when life throws a curveball. It’s the ability to withstand a significant income shock—like being unable to work for six months due to an accident or a year due to a cancer diagnosis—without facing financial ruin.
Think of it like the suspension on a car. A basic system will jolt you over every small bump. A high-performance resilience plan, however, absorbs the major shocks, keeping you, your passengers, and your journey safe and on track.
The "Protection Gap" is a term used by the financial industry to describe the difference between the financial resources a family has (savings, state benefits) and what they would actually need if a primary earner could no longer work or passed away. For millions of UK households, this gap is terrifyingly wide. Building your Resilience Blueprint is about systematically closing that gap.
The Core Pillars of Your Resilience Blueprint
A robust blueprint stands on two interconnected pillars. Neglecting one undermines the other.
Pillar 1: Proactive Health & Wellness This is your first line of defence. The choices you make every day regarding nutrition, exercise, sleep, and mental health have a profound impact on your long-term wellbeing and can significantly reduce your risk of developing many chronic conditions.
A healthier lifestyle doesn't just make you feel better; it can also make you a lower risk in the eyes of insurers, often leading to more favourable premiums on protection policies. It’s a true win-win.
Pillar 2: Strategic Financial Protection This is your impenetrable second line of defence. When a health issue breaches your first line, this pillar prevents a catastrophe. It's not about a single product, but a carefully selected portfolio of coverages designed to protect you against different risks. The key components include:
- Income Protection: To replace your salary.
- Critical Illness Cover: To provide a lump sum for major health crises.
- Life Insurance: To protect your loved ones after you’re gone.
- Specialised Cover: Tailored solutions for your specific profession or business needs.
Let's break down these financial tools in detail.
Income Protection: Your Monthly Salary's Bodyguard
If you had a machine in your home that printed thousands of pounds for you every month, you would insure it without a second thought. You are that machine. Your ability to earn an income is your single most valuable financial asset. Income Protection (IP) is the insurance you buy for it.
How Does It Work? IP is designed to pay you a regular, tax-free monthly income if you are unable to work due to any illness or injury. It continues to pay out until you can return to work, your policy term ends (often at your planned retirement age), or you pass away, whichever comes first.
Key Features to Understand:
-
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 based on your skills and experience.
- Any Occupation: The most restrictive. Only pays if you are unable to do any kind of work at all. We generally advise clients to prioritise "Own Occupation" cover for the most robust protection.
-
The Deferment Period: This is the agreed-upon waiting period from when you stop working to when the policy starts paying out. It can range from one week to 12 months. The longer the deferment period you choose, the lower your monthly premium will be. You should align it with any sick pay you receive from your employer or the length of time your savings could support you.
-
The Payment Period: This dictates how long the policy will pay out for. You can choose short-term plans (e.g., 1, 2, or 5 years per claim) or a full-term plan that pays right up to retirement age if you can never work again. While short-term plans are cheaper, a long-term illness requires a long-term solution.
Example Deferment Period Impact on Premiums (Illustrative)
| Deferment Period | Monthly Premium | Best For... |
|---|---|---|
| 4 Weeks | Highest | Self-employed with no savings; limited employer sick pay. |
| 13 Weeks | Medium | Those with 3 months of employer sick pay or savings. |
| 26 Weeks | Lower | Good employer benefits or a solid 6-month emergency fund. |
| 52 Weeks | Lowest | Excellent sick pay schemes or substantial savings. |
Income Protection is the bedrock of any working person's financial plan. It protects your entire lifestyle—your mortgage payments, bills, holidays, and your family's future.
Critical Illness Cover: A Financial First-Aid Kit for Serious Diagnoses
While Income Protection shields your monthly cash flow, Critical Illness Cover (CIC) provides a different kind of support. It pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious medical conditions.
How is it Different from Income Protection?
- Payout Trigger: CIC pays on diagnosis of a specific condition, regardless of whether you can work or not. IP pays based on your inability to work, regardless of the diagnosis.
- Payout Format: CIC is a one-off lump sum. IP is a regular monthly income.
The two policies work brilliantly together. A critical illness diagnosis might not stop you from working immediately, but the lump sum from a CIC policy can be a financial lifeline.
How Can the Lump Sum Be Used?
- Clear a mortgage or other debts, removing a huge financial burden.
- Pay for private medical treatment or specialist consultations to avoid long waiting lists.
- Adapt your home (e.g., install a ramp or a stairlift).
- Cover a partner's lost income if they need to take time off to care for you.
- Fund a recuperative holiday or simply provide a financial cushion to allow you to recover without stress.
The list of conditions covered is extensive and a key area of difference between insurers. The "big three"—cancer, heart attack, and stroke—are almost always included, but policies can cover 50, 100, or even more specified conditions. The quality of a policy isn't just in the number of conditions, but in the precision of their definitions. This is where expert advice is invaluable. At WeCovr, we help clients dissect these policy documents to ensure the cover they choose provides meaningful and comprehensive protection.
Life Insurance: The Cornerstone of Family Security
Life insurance is the most well-known form of protection, and for good reason. It provides a financial payout to your loved ones when you die, ensuring they are not left with a legacy of debt and financial hardship.
Key Types of Personal Life Insurance:
- Level Term Insurance: You choose a lump sum amount and a term (e.g., £250,000 over 25 years). If you die within the term, your family receives the full £250,000. This is ideal for covering an interest-only mortgage or providing a general family legacy.
- Decreasing Term Insurance: The payout amount reduces over time, typically in line with a repayment mortgage. As you pay off your mortgage, the amount of cover needed decreases, making this a very cost-effective way to protect the family home.
- Family Income Benefit: A thoughtful alternative to a lump sum. Instead of one large payment, it provides your family with a regular, tax-free monthly or annual income for the remainder of the policy term. This can be easier to manage and replaces your lost salary in a more direct way.
- Whole of Life Insurance: This policy guarantees a payout whenever you die, as it has no fixed term. It's often used for covering funeral costs or for Inheritance Tax (IHT) planning.
A Niche Solution: Gift Inter Vivos Insurance For those planning their estate, this is a clever tool. If you gift a large sum of money or an asset (like a property) to a loved one, it may be subject to Inheritance Tax if you die within seven years. A Gift Inter Vivos policy is a specific type of life insurance designed to pay out a lump sum to cover that potential tax bill, ensuring your gift reaches its recipient in full.
Tailored Protection for the UK's Dynamic Workforce
A "one-size-fits-all" approach to financial protection simply doesn't work. Your profession, employment status, and business structure create unique risks that require specialised solutions.
For the Self-Employed and Freelancers
You are the engine of your business. If you stop, the income stops. This makes you uniquely vulnerable.
- The Challenge: You have no employer sick pay, no death-in-service benefits, and no one to fall back on. Statutory Sick Pay is not available to most sole traders.
- The Non-Negotiable Solution: Income Protection is arguably more critical for you than for an employee. It becomes your personal sick pay scheme, providing a safety net that allows you to recover properly without rushing back to work and risking your long-term health.
- Expert Tip: Insurers will need to see evidence of your earnings. An experienced broker can guide you on how to present your accounts (e.g., salary and dividends for limited company directors) to get the right level of cover.
For Tradespeople, Nurses, and Electricians
Many professions, particularly manual trades and frontline healthcare roles, carry a higher risk of injury or exposure to illness. They also often involve variable hours or agency work, which can make traditional IP seem complex.
- The Challenge: A musculoskeletal injury for an electrician or a plasterer can mean an immediate and total loss of income. A nurse may face prolonged periods off work due to stress, burnout or contracting an illness.
- A Tailored Solution: Personal Sick Pay: These policies are a form of income protection but are often structured differently. They are designed for flexibility and can offer:
- Shorter deferment periods: You can often get cover that pays out from day one or day eight of being off work.
- Guaranteed benefit levels: Instead of being a percentage of your earnings, you can choose a set weekly amount (e.g., £400 per week), which can be simpler if your income fluctuates.
- Shorter payment periods: These policies typically pay out for 1 or 2 years per claim, making them a more affordable way to cover short to medium-term absences than a full-term IP plan.
| Feature | Long-Term Income Protection | Personal Sick Pay |
|---|---|---|
| Purpose | Covers long-term or catastrophic illness/injury. | Covers short to medium-term sickness/injury. |
| Payment Period | Can pay until retirement age. | Typically 1, 2 or 5 years per claim. |
| Deferment Period | Usually 4 to 52 weeks. | Can be from day 1, 1 week, 2 weeks etc. |
| Benefit Basis | Percentage of earnings (e.g., 60%). | Often a fixed weekly/monthly amount. |
| Best For | Comprehensive protection against career-ending illness. | Tradespeople, self-employed, covering initial period of sickness. |
For Company Directors and Business Owners
As a director, you wear two hats: you are an individual who needs personal protection, and you are a business owner whose company has its own vulnerabilities. Smart planning allows you to protect both, often in a highly tax-efficient manner.
-
Key Person Insurance: What would happen to your business's profits if your top salesperson, technical genius, or you yourself were unable to work for a year? Key Person Insurance is taken out and paid for by the business. It pays a lump sum to the business to cover the financial losses—recruiting a replacement, lost profits, or reassuring lenders—if a key individual dies or is diagnosed with a critical illness.
-
Executive Income Protection: This is an Income Protection policy for a director or key employee, but it's owned and paid for by the business. The premiums are typically an allowable business expense, making it a very tax-efficient way to provide protection. The benefit is paid to the business, which then pays it to the employee via PAYE. It's a powerful employee benefit that protects both the individual and the company's stability.
-
Relevant Life Cover: This is a company-paid death-in-service policy for an individual employee or director. Like Executive IP, the premiums are usually a business expense. Crucially, the benefit is paid tax-free into a trust for the employee's family, so it does not form part of their lifetime pension allowance. It's a fantastic way for small businesses to offer a benefit that rivals those of large corporations.
Navigating these business protection options requires specialist advice. At WeCovr, we have experts dedicated to helping business owners structure the most effective and tax-efficient protection strategies for their companies and their key people.
The Wellness Factor: Building Resilience from the Inside Out
Strategic insurance is your financial armour, but true resilience starts with the body and mind you are protecting. Prioritising your health not only enriches your life but is a fundamental part of your risk management strategy.
- Nutrition as Fuel: Think of food as information for your body. A balanced diet rich in whole foods, lean proteins, and healthy fats provides the building blocks for a strong immune system, stable energy levels, and good cognitive function. Small, consistent changes are more effective than drastic diets.
- The Power of Movement: The NHS recommends at least 150 minutes of moderate-intensity activity a week. This isn't about running marathons; it’s about finding activities you enjoy. A brisk walk, a cycle ride, a dance class—it all contributes to cardiovascular health, stronger bones, and significantly improved mental wellbeing.
- Sleep: The Ultimate Performance Enhancer: Sleep is not a passive state; it’s when your body and brain perform critical repair and consolidation tasks. Consistently getting 7-9 hours of quality sleep is one of the most powerful things you can do for your physical and mental resilience.
- Mental Fitness: In our 'always-on' world, managing stress is a crucial skill. Practices like mindfulness, setting clear boundaries between work and life, and maintaining strong social connections are vital for preventing burnout and protecting your mental health.
To support our clients on their wellness journey, WeCovr provides complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. We believe that helping you stay healthy is just as important as protecting you when you're not. It’s part of our commitment to your holistic wellbeing.
Building Your Blueprint: A Step-by-Step Guide
Feeling overwhelmed? Don't be. Building your Resilience Blueprint is a logical process. Here’s how to start.
-
Assess Your Foundations: Get a clear picture of your current financial situation.
- Income: What is your monthly take-home pay?
- Outgoings: List all your essential monthly costs (mortgage/rent, utilities, food, transport, debt repayments).
- Existing Support: What sick pay does your employer offer, and for how long?
- Savings: How many months of essential outgoings could your savings cover? This is your "vulnerability window."
-
Define Your Protection Priorities: What is most important for you to protect right now?
- Is it ensuring your mortgage is paid if you get sick? (Income Protection or CIC).
- Is it providing for your young family if you're no longer around? (Life Insurance or Family Income Benefit).
- Is it safeguarding your business from your absence? (Key Person or Executive IP).
-
Explore Your Options: Use this guide to understand the types of cover that align with your priorities. Think about the key variables: for IP, what deferment period makes sense? For life cover, do you need a lump sum or an income?
-
Seek Independent, Expert Advice: This is the most important step. The protection market is complex. Premiums, definitions, and claim philosophies vary hugely between insurers. Trying to navigate it alone can lead to buying the wrong product or, worse, a policy that doesn't pay out when you need it most. A specialist broker works for you, not the insurance company. Our role at WeCovr is to understand your unique needs, compare policies from across the entire UK market, and recommend the solution that offers the right level of protection from a reputable insurer at a competitive price.
The Cost of Inaction vs. The Price of Protection
It’s easy to see insurance as just another monthly expense. But the correct way to frame it is as an investment in certainty, peace of mind, and the future you’re working so hard to build. The monthly cost of protection is often far lower than people imagine, especially when you are young and healthy.
Illustrative Monthly Premiums (Based on a 35-year-old, non-smoker in a low-risk office job. These are for illustrative purposes only and are not a quote.)
| Type of Cover | Benefit | Term/Period | Illustrative Cost |
|---|---|---|---|
| Decreasing Life Cover | £250,000 | 25 Years | £10 - £15 / month |
| Level Life & Critical Illness | £100,000 | 25 Years | £30 - £45 / month |
| Income Protection | £2,500 / month | To age 67 | £40 - £60 / month |
Now, contrast that with the cost of inaction. Being unable to work for a year with a £2,500 per month income shortfall means a loss of £30,000. For a modest monthly premium, you transfer that enormous risk to an insurance company. It is one of the most powerful financial decisions you can make.
Conclusion: Your Future is Not a Matter of Chance, It's a Matter of Choice
In a world of increasing uncertainty, building resilience is the ultimate act of self-empowerment. It is the choice to transform vulnerability into strength, anxiety into peace of mind, and chance into certainty.
Your potential for growth—to change careers, start a business, travel the world, or simply enjoy precious time with your family—is directly linked to the strength of your foundations. A comprehensive Resilience Blueprint, built on the twin pillars of proactive wellness and strategic financial protection, is that foundation.
It ensures that a health crisis does not have to become a financial crisis. It means that your dreams are not derailed by diagnosis, and your family's future is secured against the unexpected. Taking the first step to assess your needs and explore your options is the most important investment you will ever make in yourself. Your future self will thank you for it.
Is income protection insurance taxed in the UK?
Do I need a medical examination to get life insurance or income protection?
What is the main difference between Critical Illness Cover and Income Protection?
I'm self-employed with a fluctuating income. Can I get Income Protection?
Why should I use a broker like WeCovr instead of going directly to an insurer?
Does having a pre-existing medical condition mean I can't get any cover?
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:
Our Group Is Proud To Have Issued 900,000+ Policies!
We've established collaboration agreements with leading insurance groups to create tailored coverage
How It Works
1. Complete a brief form
2. Our experts analyse your information and find you best quotes
3. Enjoy your protection!
Any questions?
Learn more
Who Are WeCovr?
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!