Unlocking Resilience: Future-Proof Your Growth
The Invisible Resilience: How Proactive Protection Unleashes Your Full Potential and Transforms Life's Uncertainties into Unstoppable Personal Growth. With 2025 health projections indicating approximately 1 in 2 people in the UK will face a significant health challenge in their lifetime, discover how foundational safeguards like Family Income Benefit, Income Protection, Life and Critical Illness Cover, and tailored Personal Sick Pay for vital professions such as tradespeople, nurses, and electricians, are not just financial buffers, but the strategic bedrock for building a life of purpose and peace. Explore how private health insurance offers swift access to critical care, bypassing delays and ensuring a rapid return to well-being, empowering you to thrive, safeguard your relationships, secure your legacy (including Gift Inter Vivos), and truly live without compromise.
Life is not about avoiding the storm; it's about learning to dance in the rain. Yet, to dance with confidence, you need a solid floor beneath your feet. In our increasingly unpredictable world, that solid floor is built from what we call "Invisible Resilience"—a foundational strength derived not from wishful thinking, but from strategic, proactive planning.
It’s a sobering thought, but one we must confront: health analysts project that by 2025, a staggering one in two people in the UK will experience a significant health challenge at some point in their lives. This isn't a statistic designed to frighten, but to empower. It highlights a universal vulnerability and underscores the critical importance of building a safety net before you need it.
When illness or injury strikes, the immediate focus is on health. But a secondary, equally debilitating crisis often follows: financial strain. Worries about mortgage payments, household bills, and providing for your family can impede recovery, create immense stress, and steal the peace of mind you need most.
This is where the power of proactive protection transforms from a simple financial product into a catalyst for personal growth. By strategically implementing safeguards like Income Protection, Critical Illness Cover, and Life Insurance, you do more than just protect your finances. You liberate yourself from the 'what if' anxieties that hold you back. You create the mental and emotional space to pursue your ambitions, take calculated risks, and live a life defined by purpose, not by fear.
This guide will illuminate the path to building your own invisible resilience. We will explore the essential tools that form this bedrock of security, from protecting your income to fast-tracking medical treatment and securing your legacy. This is your roadmap to transforming life's uncertainties into a platform for unstoppable personal and professional growth.
The Modern Dilemma: Why Resilience is Your Most Valuable Asset
We live in an age of unprecedented opportunity, but also one of constant change. The traditional career path is fading, replaced by the dynamic, often precarious, world of freelancing, entrepreneurship, and the gig economy. Economic currents shift rapidly, and the one constant is uncertainty.
In this environment, resilience is no longer a soft skill; it is your most crucial asset. True resilience isn't about being unbreakable. It’s about having the capacity to recover quickly from difficulties. When a health crisis hits, it doesn't just impact your body; it tests every aspect of your life.
Consider the ripple effect of a long-term illness:
- Income Halts: For the self-employed, no work means no pay. For employees, statutory sick pay (£116.75 per week as of 2024/25) is rarely enough to cover essential outgoings.
- Stress Multiplies: Financial worry is a major contributor to mental health issues like anxiety and depression, which can create a vicious cycle, making physical recovery even harder.
- Dreams are Deferred: Ambitions to start a business, move house, or invest in your children's future are put on indefinite hold. The focus shifts from thriving to merely surviving.
- Relationships are Strained: The pressure of caregiving, coupled with financial anxiety, can place an immense burden on partners and family members.
Invisible resilience is the antidote. It's the quiet confidence that comes from knowing that if you are unable to work, your mortgage will still be paid. It's the peace of mind that allows you to focus 100% on your recovery, knowing your family's lifestyle is secure. This financial fortification is what allows your emotional and physical resilience to flourish.
The Four Pillars of Financial Fortification
Building this resilience requires a multi-faceted approach. There isn't a single 'magic bullet' policy, but rather a combination of strategic covers that work together to create a comprehensive shield. Let's explore the four essential pillars.
Pillar 1: Income Protection (IP) – Your Personal Salary Safeguard
If your ability to earn an income is your most valuable asset, then Income Protection is the insurance on that asset. It is arguably the most fundamental protection policy for anyone of working age.
What is it? Income Protection pays out a regular, tax-free monthly income if you are unable to work due to any illness or injury. It continues to pay until you can return to work, the policy term ends, or you retire, whichever comes first.
Who is it for?
- The Self-Employed & Freelancers: You are your own safety net. IP is non-negotiable.
- Company Directors: Your personal income is vital, and an Executive Income Protection plan can be a tax-efficient way for your business to protect you.
- Employees: Statutory Sick Pay (SSP) is minimal. While some employers offer generous sick pay schemes, many only last for a few weeks or months. IP bridges the gap.
Key Features to Understand:
| Feature | Description | Impact on Your Policy |
|---|---|---|
| Benefit Amount | The monthly sum you receive, typically 50-70% of your gross income. | Higher benefit = higher premium. |
| Deferred Period | The waiting period before the policy starts paying out (e.g., 4, 13, 26 weeks). | Longer deferred period = lower premium. |
| Definition of Incapacity | The criteria used to assess your claim (e.g., Own Occupation, Suited, Any). | 'Own Occupation' is the gold standard. |
| Claim Period | How long the policy will pay out for (short-term or full-term to retirement). | Full-term offers the most robust protection. |
Real-World Example: Sarah, a 35-year-old self-employed marketing consultant, suffers a serious back injury in a cycling accident. Her doctor tells her she'll be unable to sit at a desk for at least six months. Without Income Protection, panic would set in. But Sarah had a policy with a 4-week deferred period. After a month, her policy began paying her £2,500 a month, allowing her to cover her rent, bills, and business overheads. She could focus entirely on her physiotherapy and recovery, knowing her finances were stable.
Pillar 2: Life and Critical Illness Cover (CIC) – The Financial First Responders
While Income Protection shields your monthly cash flow, Life and Critical Illness Cover provide a substantial lump sum to handle major life events.
What is Life Insurance? A policy that pays out a tax-free lump sum to your beneficiaries if you pass away during the policy term. It’s designed to clear debts like a mortgage, provide for your children's future education, or simply leave a legacy for your loved ones.
What is Critical Illness Cover? This pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious (but not necessarily fatal) illnesses. The 'big three' covered by most policies are specific types of cancer, heart attack, and stroke, but modern policies can cover over 50 conditions.
How it Works: The payout gives you financial breathing room at a critical time. You can use the money to:
- Clear or reduce your mortgage.
- Pay for specialist medical treatment or home adaptations.
- Allow your partner to take time off work to care for you.
- Simply replace lost income while you recover.
Real-World Example: Mark, a 42-year-old engineer and father of two, has a family history of heart disease. He took out a combined Life and Critical Illness policy. Following a heart attack, his policy paid out £150,000. This lump sum allowed him to pay off a large chunk of his mortgage, reducing the family's monthly outgoings significantly. The financial pressure lifted, Mark could embrace a less stressful work schedule post-recovery, prioritising his health and family time.
Pillar 3: Family Income Benefit (FIB) – A Legacy of Ongoing Care
While a large lump sum from traditional life insurance is invaluable, managing it can be a daunting prospect for a grieving family. Family Income Benefit offers a different, often more manageable, solution.
What is it? Instead of a single lump sum, FIB pays out a regular, tax-free income from the point of claim until the end of the policy term.
Why Choose FIB?
- Budgeting Made Simple: It replaces the deceased's lost monthly income, making it easier to manage household budgets and ongoing costs like childcare and school fees.
- Cost-Effective: Because the total potential payout decreases over time, FIB is often significantly cheaper than an equivalent level life insurance policy.
- Peace of Mind: It removes the pressure of investing a large lump sum wisely while navigating grief.
Comparison: Level Term Life Insurance vs. Family Income Benefit
| Feature | Level Term Life Insurance | Family Income Benefit |
|---|---|---|
| Payout | A single, fixed lump sum. | A regular, fixed monthly income. |
| Purpose | Ideal for clearing large debts like a mortgage. | Ideal for replacing lost monthly salary. |
| Cost | Generally more expensive. | Generally more affordable. |
| Best For | Families needing to clear a large capital debt. | Young families needing to cover ongoing costs. |
Pillar 4: Personal Sick Pay – The Specialist Shield for Hands-On Professionals
For those in physically demanding jobs, even a minor injury can be financially catastrophic. "Personal Sick Pay" is a term often used for short-term income protection policies specifically designed for this risk.
Who Needs It Most?
- Tradespeople: Electricians, plumbers, builders, plasterers. A broken wrist can mean months with no income.
- Healthcare Professionals: Nurses, physiotherapists, and dentists who are on their feet all day.
- Drivers: Lorry, bus, and delivery drivers whose livelihood depends on their physical fitness.
Key Features: These policies are tailored for immediate impact:
- Shorter Deferred Periods: Often as short as one week, so the benefit kicks in almost immediately.
- Shorter Claim Periods: Typically designed to cover you for 1, 2, or 5 years per claim, focusing on getting you through a specific period of incapacity.
- Affordability: The shorter claim period makes them more affordable than full-term income protection, putting vital cover within reach.
The Financial Reality of a Month Off Work (Self-Employed Electrician):
| Expense | Monthly Cost | Covered by SSP? | Financial Gap |
|---|---|---|---|
| Mortgage/Rent | £1,200 | No | -£1,200 |
| Bills (Council Tax, Utilities) | £400 | No | -£400 |
| Food & Groceries | £500 | No | -£500 |
| Van Lease & Insurance | £350 | No | -£350 |
| Total Outgoings | £2,450 | ||
| Statutory Sick Pay (SSP) | £505.58 (approx.) | Yes | |
| Monthly Shortfall | -£1,944.42 |
This table clearly illustrates how quickly a financial crisis can unfold. A Personal Sick Pay policy providing £2,000 a month would completely eliminate this shortfall, turning a disaster into a manageable inconvenience.
Beyond the NHS: The Strategic Advantage of Private Health Insurance
The National Health Service is a national treasure, providing incredible care to millions. However, the system is under immense pressure, leading to well-documented waiting lists for consultations, diagnostics, and non-urgent procedures. For 2025, these pressures are anticipated to continue, making timely access a significant concern.
This is where Private Medical Insurance (PMI) serves as a powerful strategic tool for maintaining your health and momentum in life.
What Does PMI Offer? PMI is designed to complement the NHS, giving you more choice, control, and speed when you need medical care. Its core benefits include:
- Swift Diagnosis: Bypass long waits for scans (MRI, CT, PET) and specialist consultations. Getting a clear diagnosis quickly reduces anxiety and allows treatment to begin sooner.
- Prompt Treatment: Gain access to leading specialists and hospitals for procedures and surgery, often within weeks rather than many months or even years.
- Choice and Comfort: You can choose your surgeon and hospital. Recovery is often in a private room with more flexible visiting hours, creating a more comfortable and healing environment.
- Access to Specialist Drugs: Some policies provide access to new and innovative cancer drugs and treatments that may not yet be available on the NHS.
PMI: A Tool for Resilience, Not Just a Luxury The ability to get back on your feet quickly is a cornerstone of resilience. For a business owner, a freelancer, or a key employee, being out of action for an extended period isn't just a health issue; it's a commercial one.
- A business owner can get the knee surgery they need and be back running their company in a fraction of the time.
- A freelance consultant can get a diagnosis for a worrying symptom in days, not months, maintaining their focus and client relationships.
- A parent can receive treatment swiftly, minimising the disruption and worry for their children.
By investing in PMI, you are investing in continuity. You are minimising downtime in your career, your business, and your life, ensuring a health challenge is a temporary pause, not a full stop.
For the Visionaries: Protection Strategies for Business Owners and Directors
For those at the helm of a business, personal resilience and business resilience are intrinsically linked. A personal crisis can quickly become a corporate one. Astute directors and entrepreneurs build fortifications around their business using specialised insurance products.
Key Person Insurance: Protecting Your Most Valuable Asset
Every business has at least one individual whose skill, knowledge, or leadership is critical to its success. What would happen if they were suddenly gone?
What is it? Key Person Insurance is a policy taken out and paid for by the business on the life or health of a key employee. If that person passes away or suffers a specified critical illness, the policy pays a lump sum directly to the business.
Why is it crucial? The funds can be used to:
- Cover the cost of recruiting and training a replacement.
- Compensate for a projected loss in profits or revenue during the transition.
- Reassure lenders and investors that the business is stable.
- Clear business debts or loans that the key person had guaranteed.
Executive Income Protection: Rewarding Leadership with Security
This is a powerful tool for attracting and retaining top talent. It's an income protection policy owned and paid for by the limited company for an employee or director.
The Benefits:
- For the Business: The premiums are typically treated as a legitimate business expense and are therefore tax-deductible.
- For the Director: It's not usually considered a P11D benefit-in-kind, meaning no extra personal tax liability. It allows for a higher level of cover than might be affordable on a personal basis.
- For Retention: It demonstrates that the company genuinely values its leadership team's well-being, fostering loyalty.
Relevant Life Plans: Tax-Efficient Life Cover for All
Many small businesses want to offer a 'death-in-service' benefit but are too small for a full group scheme. A Relevant Life Plan is the perfect solution.
It's a standalone life insurance policy, paid for by the company, that provides a lump sum for the employee's family. Crucially, the premiums are tax-efficient for the business, and the benefit is paid free of IHT to the family via a trust.
Shareholder & Partnership Protection: Ensuring Business Continuity
The death or critical illness of a business partner or major shareholder can create a governance nightmare. Their shares could pass to their family, who may have no interest or expertise in running the business, or may be forced to sell them to an undesirable third party.
What is it? This involves each partner/shareholder taking out a life and/or critical illness policy on the others. If a claim occurs, the policy provides the surviving partners with the funds to purchase the departing partner's shares from them or their estate at a pre-agreed price.
This ensures a smooth transition, allows the remaining owners to retain control, and provides a fair value for the departing shareholder's family. It is the ultimate act of business foresight.
Securing Your Legacy: The Art of Gifting and Gift Inter Vivos
Part of living a full life is being able to share your success with the people you love. For many, this includes helping children onto the property ladder or passing on wealth during their lifetime. However, these generous acts can have unintended Inheritance Tax (IHT) consequences.
Understanding the 7-Year Rule In the UK, when you give a large gift (a 'Potentially Exempt Transfer' or PET), you must survive for seven years for that gift to become completely exempt from IHT. If you pass away within that 7-year window, the gift becomes part of your estate for IHT calculation, and the recipient could face a substantial tax bill.
The tax liability reduces on a sliding scale after three years, known as 'taper relief'.
IHT Taper Relief on Gifts
| Years Between Gift and Death | Tax Paid |
|---|---|
| Less than 3 | 40% |
| 3 to 4 years | 32% |
| 4 to 5 years | 24% |
| 5 to 6 years | 16% |
| 6 to 7 years | 8% |
| 7 or more years | 0% |
What is Gift Inter Vivos (GIV) Insurance? This is a specialised, cost-effective life insurance policy designed to solve this specific problem. It's a type of decreasing term assurance where the sum assured is designed to match the declining IHT liability on the gift over the 7-year period.
If you pass away within the seven years, the policy pays out a lump sum sufficient to cover the IHT bill, ensuring your loved one receives the full, intended value of your gift. It's a simple, elegant solution that provides complete peace of mind for both the giver and the recipient.
Building Your Foundation: Practical Steps to Proactive Protection
Understanding these concepts is the first step. Taking action is what builds your resilience. Here’s how to start.
Step 1: Conduct a Personal Financial Audit Get a clear picture of your situation. Ask yourself:
- What is my monthly income and what are my essential outgoings (mortgage, rent, bills, food)?
- What debts do I have?
- Who depends on me financially?
- What cover do I already have through my employer? What are its limitations?
Step 2: Define Your 'Why' What is most important for you to protect? Is it clearing the mortgage for your family? Is it ensuring your income continues if you're sick? Is it protecting your business from collapse? Your personal 'why' will determine your priorities.
Step 3: Seek Independent, Expert Guidance The world of insurance is complex, with hundreds of products and providers, each with different terms and conditions. Trying to navigate this alone can be overwhelming and lead to costly mistakes. An independent broker is your expert guide. At WeCovr, we work for you, not the insurer. Our role is to understand your unique circumstances and scour the market, comparing policies from all the UK's leading insurers to find the right combination of cover for your needs and budget. We translate the jargon and ensure there are no hidden surprises in the small print.
Step 4: Embrace a Holistic View of Well-being Insurance is your financial backstop, but your first line of defence is your health. Proactive well-being is a key part of resilience.
- Nourish Your Body: A balanced diet is fundamental to energy levels and immune function.
- Move Regularly: Exercise is proven to boost both physical and mental health.
- Prioritise Sleep: Quality sleep is essential for cognitive function, mood regulation, and physical repair.
- Manage Stress: Find healthy outlets for stress, whether it's mindfulness, hobbies, or spending time in nature.
At WeCovr, we're committed to our clients' total well-being. This belief extends beyond just finding the best insurance policies. That's why we provide our clients with complimentary access to our proprietary AI-powered calorie tracking app, CalorieHero. It's a simple, effective tool to help you build and maintain healthy eating habits, supporting your health journey long-term.
Conclusion: From Protected to Powerful
Building a fortress of proactive protection is not an admission of pessimism; it is the ultimate act of optimism. It is a declaration that you value your future, your family, and your dreams too much to leave them to chance.
When you remove the deep-seated fear of financial ruin from the equation of life, you are free. You are free to change careers, to start that business, to travel, to invest in yourself. You unlock mental and emotional bandwidth that was previously consumed by worry.
This is the power of invisible resilience. It's the silent, steadfast foundation upon which you can build a life of purpose, adventure, and peace. It transforms life’s inevitable uncertainties from terrifying threats into manageable challenges, empowering you not just to survive, but to truly thrive. Don't wait for the storm to hit. Start building your floor today.
Can I get life or health insurance with a pre-existing medical condition?
How much cover do I actually need?
What is the difference between Income Protection and Critical Illness Cover?
Why should I use a broker like WeCovr instead of going direct to an insurer?
How does my age and health affect my insurance premiums?
Is insurance expensive?
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!