Unlocking Fearless Living
The Unseen Foundation of Limitless Personal Growth: How Strategic Financial Protection and Proactive Health Planning—from Income Protection for Every Professional to Tailored Private Health Insurance—Are Your Catalysts for Building a Resilient Life, Thriving Relationships, and Unstoppable Ambition in a World Where 1 in 2 UK individuals are projected to face a cancer diagnosis by 2025.
We all have ambitions. Whether it’s launching a business, climbing the career ladder, raising a happy family, or travelling the world, the drive to grow and achieve is a fundamental part of the human experience. We meticulously plan our careers, our finances, and our holidays. Yet, we often overlook the very foundation upon which all this progress is built: our health and our ability to earn an income.
Imagine building a magnificent skyscraper on unstable ground. No matter how brilliant the design or how strong the materials, its potential is forever capped by its weak foundation. In life, our health and financial stability are that foundation. When they are secure, we are free to build as high as our ambitions will take us. When they are not, a persistent, low-level anxiety—the fear of ‘what if?’—can subtly undermine every decision we make.
This isn't baseless paranoia. The statistics paint a stark picture. Cancer Research UK projects that by 2025, an astonishing 1 in 2 people in the UK will be diagnosed with cancer in their lifetime. The Office for National Statistics (ONS) reported that in 2023, a record 2.8 million people were out of work due to long-term sickness.
These aren't just numbers; they are our friends, our family, our colleagues, and potentially, ourselves. In a world of such uncertainty, true freedom isn't about ignoring the risks. It’s about strategically neutralising them. This guide is your blueprint for doing just that. It will show you how a robust framework of financial protection and proactive health planning isn't a cost, but an investment—the single most powerful catalyst for unlocking fearless living, fostering resilient relationships, and achieving your most audacious goals.
The Psychological Weight of 'What If?': How Financial Anxiety Stifles Growth
Have you ever hesitated to take a calculated risk? Perhaps you turned down a promising but less secure job, delayed starting your own business, or put off a major life decision. Often, the root of this hesitation isn't a lack of ambition, but a deep-seated fear of the financial consequences of failure or misfortune.
This is the psychological burden of financial fragility. It operates like a silent anchor, holding you back from your full potential. According to Maslow's Hierarchy of Needs, we cannot pursue 'self-actualisation'—creativity, problem-solving, and personal growth—until our fundamental 'Safety Needs' are met. These include not just physical safety, but also security of employment, resources, and health.
When your income is vulnerable to an unexpected illness or injury, a part of your mental energy is constantly occupied by worry. This "anxiety tax" depletes your cognitive resources, making you:
- More Risk-Averse: You stick to the "safe" path, even if it's less fulfilling. The fear of losing your income outweighs the potential rewards of a new venture.
- Less Creative: Stress is the enemy of creativity. When your mind is preoccupied with financial survival, there's little room left for innovative thinking and big-picture strategy.
- Prone to Burnout: The constant pressure to "keep earning" without a safety net can lead to working while unwell, ignoring early health warnings, and ultimately, a more severe health crisis down the line.
A 2024 report by the Money and Pensions Service highlighted that millions of UK adults feel overwhelmed by their financial situation, leading to stress, anxiety, and a tangible impact on their daily lives. Removing this burden isn't just about financial peace of mind; it's about reclaiming your mental and emotional bandwidth to focus on what truly matters: growth, connection, and contribution.
Building Your Financial Fortress: The Core Pillars of Protection
Creating a life of resilience starts with building a financial fortress around your most valuable asset: your ability to earn an income. Just as a fortress has different layers of defence, your financial protection plan should be multi-faceted. The three core pillars are Income Protection, Critical Illness Cover, and Life Insurance.
Each serves a distinct purpose, and together they create a comprehensive shield against life's most challenging financial shocks.
Income Protection: Your Monthly Paycheque, Guaranteed
What is it? Income Protection (IP) is arguably the bedrock of all financial planning. It's an insurance policy designed to pay you a regular, tax-free monthly income if you're unable to work due to any illness or injury. It pays out after a pre-agreed waiting period (the 'deferred period') and continues until you can return to work, retire, or the policy term ends.
Why is it essential? Your income funds everything: your mortgage or rent, your bills, your food, your children's needs, and your future savings. Without it, everything can unravel with alarming speed. Statutory Sick Pay (SSP) in the UK is currently £116.75 per week (2024/25) and is only paid for a maximum of 28 weeks. For most people, this is a fraction of what’s needed to maintain their lifestyle.
Real-Life Example: Meet Sarah, a 35-year-old marketing manager earning £50,000 a year. She develops a severe back condition that requires surgery and a long recovery, leaving her unable to work for 18 months. Her employer's sick pay scheme runs out after six months.
- Without Income Protection: After six months, Sarah's income drops to nothing (as she has exhausted SSP). She burns through her savings, relies on credit cards, and faces immense stress about paying her mortgage. Her recovery is hampered by constant financial worry.
- With Income Protection: Sarah has a policy covering 60% of her gross salary (£2,500 per month) with a six-month deferred period. The day her company sick pay stops, her IP policy starts paying her £2,500 tax-free each month. Her mortgage is paid, her bills are covered, and she can focus entirely on her rehabilitation without financial fear.
| Feature | Short-Term Income Protection | Long-Term (Full) Income Protection |
|---|---|---|
| Payout Duration | Typically 1, 2, or 5 years per claim. | Can pay out until you return to work, retire, or the policy ends. |
| Cost | Generally more affordable. | More expensive due to the comprehensive cover. |
| Best For | Those with significant savings, a partner with a stable income, or those in roles with lower long-term disability risk. | Providing the most robust and complete safety net, especially for primary earners or the self-employed. |
Critical Illness Cover: A Financial Shield for Major Health Crises
What is it? Critical Illness Cover (CIC) provides a one-off, tax-free lump sum payment if you are diagnosed with one of a specific list of serious medical conditions defined in the policy. Common conditions covered include many types of cancer, heart attack, stroke, and multiple sclerosis.
Why is it essential? While Income Protection replaces your salary, a critical illness brings a wave of additional, unexpected costs. This lump sum can be used for anything, providing crucial flexibility at a time of immense stress.
Uses for a Critical Illness payout could include:
- Clearing a mortgage or other debts.
- Paying for private medical treatment or specialist therapies not available on theNHS.
- Making adaptations to your home (e.g., a wheelchair ramp).
- Allowing a partner to take time off work to care for you.
- Simply providing a financial cushion to reduce stress during recovery.
According to the Association of British Insurers (ABI), in 2022, the protection insurance industry paid out over £6.8 billion in claims, with the average critical illness claim amounting to over £67,000. This is a life-altering sum of money that provides breathing room when it's needed most.
Life Insurance: Securing Your Legacy and Loved Ones
What is it? Life Insurance, or Life Cover, is the most well-known form of protection. It pays out a lump sum (or a regular income) to your beneficiaries upon your death. Its primary purpose is to protect your dependents from the financial fallout of losing your income and support.
Why is it essential? If people rely on you financially—a spouse, children, or even ageing parents—life insurance ensures they are not left with debts and an uncertain future. It can pay off the mortgage, cover future living costs, and fund children's education.
Comparing Common Types of Life Insurance:
| Policy Type | How it Works | Best Suited For |
|---|---|---|
| Level Term Assurance | The payout amount remains the same throughout the policy term. | Covering an interest-only mortgage or providing a set lump sum for family living costs. |
| Decreasing Term Assurance | The payout amount reduces over time, typically in line with a repayment mortgage. | Covering a large repayment debt like a mortgage. It's 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. | Providing a replacement for the deceased's monthly income, which can be easier for a family to manage than a large lump sum. |
Building this fortress is not a one-size-fits-all process. The right mix of cover depends on your age, health, job, and family situation. This is where expert guidance becomes invaluable. At WeCovr, we help you navigate the complexities, comparing policies from all major UK insurers to tailor a protection strategy that fits your life perfectly.
Beyond the Individual: Tailored Protection for Every Walk of Life
The 'what if' scenarios look different for everyone. A freelance designer faces different risks from the director of a manufacturing company, and a young family's needs are distinct from someone planning their estate. A truly resilient financial plan acknowledges this, using specialised products to address specific vulnerabilities.
For the Self-Employed & Freelancers: Crafting Your Own Safety Net
The gig economy and self-employment offer freedom and flexibility, but they come with a significant trade-off: you are your own safety net. There is no employer sick pay, no death-in-service benefit, and no one else to keep the business running if you're unable to work.
For the UK's 4.2 million self-employed individuals (ONS, 2024), Income Protection is not a luxury; it is a fundamental business continuity tool. It becomes your personal sick pay scheme, ensuring your personal finances remain stable even if your work is interrupted.
For those in manual trades—electricians, plumbers, builders—the risk of injury is higher. Specialist Personal Sick Pay policies are designed for these riskier occupations. They often have shorter deferred periods and are built to cover the immediate impact of being unable to work with your hands.
For Company Directors & Business Owners: Protecting Your Enterprise
When you run a business, your responsibilities extend beyond your own family. You have a duty of care to your employees, your fellow directors, and the very entity you've built. Business Protection insurance is designed to protect the company itself from the financial impact of death or serious illness.
Key Person Insurance:
- What it is: A policy taken out by the business on the life or health of a 'key' individual—someone whose skills, knowledge, or leadership are critical to the company's financial success.
- How it works: If that key person dies or suffers a critical illness, the policy pays a lump sum to the business.
- Purpose: The funds can be used to recruit a replacement, cover lost profits during the disruption, or reassure lenders and investors that the business can weather the storm.
Executive Income Protection:
- What it is: An Income Protection policy paid for by the company for an employee, typically a director or senior executive.
- How it works: It pays a monthly benefit to the company, which can then be passed on to the sick employee via PAYE.
- Key Advantage: Unlike a personal policy, the premiums are usually considered an allowable business expense, making it a highly tax-efficient way to provide a valuable benefit and protect key talent.
Shareholder or Partnership Protection:
- What it is: A policy linked to a legal agreement, ensuring a smooth transfer of ownership if a business partner or shareholder dies or becomes critically ill.
- How it works: The policy provides the surviving owners with the funds needed to buy the affected individual's shares from them or their estate.
- Purpose: This prevents shares from passing to family members who may have no interest in the business, avoids disputes, and ensures continuity for the remaining owners.
For Families: Layered Protection for Evolving Needs
Family life is dynamic, and your protection should adapt accordingly. While a lump sum from a life insurance policy is invaluable, sometimes a regular income stream is more practical.
Family Income Benefit (FIB): As mentioned earlier, FIB is a type of life insurance that pays out a regular income rather than a single lump sum. This can be a game-changer for a surviving partner managing day-to-day costs and childcare, providing a predictable and stable "salary" to replace the one that has been lost.
Gift Inter Vivos Insurance:
- What it is: A specialist life insurance policy designed to cover a potential Inheritance Tax (IHT) liability on large gifts made during your lifetime.
- How it works: In the UK, if you gift an asset (e.g., money or property) and die within seven years, it may be subject to IHT. A 'Gift Inter Vivos' policy is a whole-of-life or term plan written to pay out a lump sum to cover this potential tax bill.
- Purpose: It ensures that your beneficiaries receive the full value of the gift you intended for them, without having to find funds to pay a surprise tax bill. This is a crucial tool for effective estate planning.
Proactive Health Planning: From Prevention to Premier Care
Financial protection is one side of the coin; proactive health management is the other. A resilient life isn't just about having a plan for when things go wrong; it's about actively taking steps to ensure they don't. This involves both leveraging the best possible medical care and adopting daily habits that build physical and mental fortitude.
The Power of Private Medical Insurance (PMI)
The NHS is a national treasure, but it is under undeniable strain. Waiting lists for consultations and procedures can be long, potentially delaying diagnosis and treatment. Private Medical Insurance (PMI) is a policy that pays for the cost of private healthcare, offering a powerful complement to the NHS.
The core benefits of PMI include:
- Speed of Access: Significantly reduced waiting times to see a specialist and receive treatment. For conditions like cancer, where early intervention is critical, this can be life-changing.
- Choice and Control: You can often choose your specialist and the hospital where you receive treatment, giving you greater control over your healthcare journey.
- Access to Specialist Drugs and Treatments: PMI policies may provide access to breakthrough drugs or therapies that are not yet approved for widespread use on the NHS due to cost or other factors.
- Comfort and Privacy: Treatment is typically in a private hospital with your own room, offering a more comfortable and less stressful environment for recovery.
PMI is not about replacing the NHS—which remains unparalleled for accident and emergency services—but about giving you and your family options when you need them most.
Beyond Insurance: The Everyday Habits of a Resilient Life
The most powerful health strategy is prevention. The choices you make every day have a cumulative impact on your long-term wellbeing, your risk of developing serious illness, and even the cost of your insurance premiums.
- Nutrition: A balanced diet rich in whole foods, fruits, and vegetables is fundamental to preventing chronic diseases. Understanding your calorie intake and macronutrient balance is a key part of managing your weight and health.
- Physical Activity: The NHS recommends at least 150 minutes of moderate-intensity activity a week. Regular exercise is proven to reduce the risk of heart disease, stroke, type 2 diabetes, and certain types of cancer.
- Sleep: Quality sleep is not a luxury; it is a biological necessity. Consistent, restorative sleep is crucial for immune function, cognitive performance, and mental health. Aim for 7-9 hours per night.
- Stress Management: Chronic stress can have a devastating impact on your physical health. Incorporating practices like mindfulness, meditation, or simply making time for hobbies can build mental resilience.
The WeCovr Advantage: Holistic Support for Your Wellbeing
We believe that true support goes beyond simply providing an insurance policy. It's about empowering our clients to live healthier, more resilient lives. That's why, in addition to helping you build the perfect financial protection plan, we provide our customers with complimentary access to CalorieHero, our proprietary AI-powered calorie and nutrition tracking app.
This tool is a practical extension of our commitment to your wellbeing. It helps you take control of your nutrition, making it easier to build the healthy habits that form the very foundation of a long and vibrant life. It’s one of the ways we go above and beyond, showing that we are invested not just in your financial security, but in your personal health journey.
The Ripple Effect: How Security Fosters Thriving Relationships and Unstoppable Ambition
When you remove the persistent, underlying fear of financial and medical catastrophe, the positive effects ripple out into every area of your life.
Thriving Relationships: Financial stress is one of the leading causes of conflict in relationships. By putting a robust protection plan in place, you are giving your loved ones a profound gift: peace of mind. Conversations can shift from worry and anxiety to shared dreams and future plans. It demonstrates foresight and care, strengthening the bonds of trust and partnership.
Unstoppable Ambition: With a secure foundation beneath you, you are free to take bigger, smarter risks.
- The entrepreneur can bootstrap their start-up for an extra six months, knowing their family's mortgage is covered by their income protection if they get sick.
- The professional can pivot to a new industry or take a sabbatical for further education, unburdened by the fear that an illness could derail their entire career path.
- The creative can pursue their passion project, knowing a critical illness payout would provide the capital to turn it into a full-time reality.
This security doesn't make you reckless; it makes you strategic. It allows you to make decisions based on opportunity and ambition, not on fear and limitation.
Taking the First Step: How to Build Your Personalised Protection Plan
Building your financial fortress can feel like a daunting task, but it can be broken down into simple, manageable steps.
- Assess Your Situation: Take stock of your current reality. What are your monthly outgoings? What debts do you have? Who depends on you financially? What cover do you already have through your employer?
- Define Your 'Why': What are you protecting? Is it ensuring your children can go to university? Is it protecting your business from collapse? Is it simply guaranteeing you can pay your rent if you can't work? A clear purpose will guide your decisions.
- Explore the Options: Understand the different types of cover available—Income Protection, Critical Illness, Life Insurance, PMI, and any specialist business or estate planning products you may need.
- Seek Expert Advice: This is the most crucial step. The protection market is vast and complex, with hundreds of products from dozens of insurers, all with different definitions and exclusions. An independent expert can save you time, money, and costly mistakes.
At WeCovr, our role is to be your expert guide. We take the time to understand you, your business, and your family. We then search the entire market on your behalf, comparing policies and providers to find the optimal blend of cover at the most competitive price. We translate the jargon, explain the small print, and empower you to make an informed choice with confidence.
Conclusion: From Fear to Freedom – Your Blueprint for a Resilient Future
Living a fearless life is not about being naive to risk. It is the exact opposite. It is about looking risk squarely in the eye and systematically dismantling its power over you.
The prospect of 1 in 2 of us facing a cancer diagnosis is a sobering call to action. It reminds us that our health and our time are finite and precious. We cannot control every outcome, but we can absolutely control how prepared we are.
By building a strategic fortress of financial protection and committing to proactive health planning, you are not planning for doom and gloom. You are clearing the path for success. You are silencing the nagging voice of 'what if' so you can listen to the powerful call of 'what's next?'. You are creating the unshakeable foundation upon which a life of limitless personal growth, deep and resilient relationships, and truly unstoppable ambition can be built.
This is the ultimate investment in yourself, your family, and your future. It's the key to unlocking a life lived not in fear, but in freedom.
Frequently Asked Questions (FAQs)
I'm young and healthy, do I really need this kind of insurance now?
Isn't the State (e.g., Statutory Sick Pay, Universal Credit) enough to support me?
What if I have a pre-existing medical condition? Can I still get cover?
How much cover do I actually need? It feels overwhelming to calculate.
Do insurers actually pay out claims? I've heard horror stories.
What is the difference between a broker like WeCovr and going directly to an insurer?
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 800,000+ 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!