Unlocking Resilience: The Future-Proofed Life
The Unspoken Truth of True Personal Growth: It's Not Just Ambition, It's About Assured Resilience
With projected 2025 health statistics revealing that approximately 1 in 2 people in the UK will face a cancer diagnosis in their lifetime, discover how foundational financial protection – from Family Income Benefit and Income Protection to Life and Critical Illness Cover, Personal Sick Pay tailored for vital roles like tradespeople, nurses, and electricians, and the strategic peace of mind offered by Gift Inter Vivos – isn't just about surviving life's curveballs. It's the critical, often overlooked, blueprint for sustaining personal development, fortifying relationships, and ensuring a robust future, further amplified by the proactive support and expedited care that private health insurance uniquely provides, safeguarding your journey toward a life well-lived.
The Modern Risk Landscape: Why Resilience is the New Hustle
We live in an age of ambition. The narrative of personal growth, career progression, and self-improvement is everywhere. We're encouraged to hustle, to innovate, to constantly strive for more. Yet, there's a fundamental piece of this puzzle that is often left out of the conversation: the bedrock of resilience. True, sustainable growth isn't built on ambition alone; it's built on a foundation strong enough to withstand the inevitable shocks and uncertainties of life.
The stark reality is that the ground beneath our feet is less stable than we might like to think. Consider the sobering projection from Cancer Research UK: by 2025, it's anticipated that one in every two people born after 1960 in the UK will be diagnosed with some form of cancer in their lifetime. This isn't a scare tactic; it's a demographic and public health reality that demands our attention.
Beyond this headline statistic, the broader picture of UK health and financial wellbeing paints a complex picture:
- Long-Term Sickness: The Office for National Statistics (ONS) reports a significant rise in the number of people economically inactive due to long-term sickness, now numbering in the millions. This trend impacts not just individuals but the entire economy.
- Mental Health: The prevalence of mental health conditions like anxiety and depression continues to be a major public health concern, often leading to extended periods away from work.
- Financial Fragility: Many UK households operate with a thin financial cushion. A 2024 report from the Financial Conduct Authority (FCA) highlighted that millions of adults have low financial resilience, meaning they could not withstand an unexpected financial shock.
An unexpected illness or injury doesn't just put a pause on your health. It can detonate a financial bomb in the heart of your life, shattering career plans, jeopardising your family's home, and derailing the very personal development you've worked so hard to achieve. The ambition to climb the career ladder or launch a business evaporates when your primary focus becomes meeting the next mortgage payment from a dwindling savings account.
This is where the concept of a financial safety net transitions from a "nice-to-have" to an absolute essential. It is the unspoken truth: you cannot self-actualise from a position of profound financial vulnerability. Building resilience is the new hustle, and a robust protection portfolio is your primary tool.
Deconstructing the Pillars of Protection: Your Toolkit for a Resilient Future
Understanding the different types of financial protection available is the first step towards building your fortress of resilience. These are not merely insurance policies; they are specialised tools designed to address specific risks, ensuring that a health crisis does not automatically become a financial catastrophe.
Life Insurance (Life Protection)
At its core, life insurance is a promise. It’s a contract that pays out a sum of money upon your death, providing a critical financial lifeline to your loved ones. This money can be used to clear a mortgage, cover funeral costs, pay off debts, and provide for your family's future living expenses.
There are two main types:
- Term Life Insurance: Provides cover for a fixed period (the "term"), such as 25 years to match a mortgage. It's generally the most affordable way to get a large amount of cover when you need it most (e.g., while your children are young). If you survive the term, the policy ends and no-one receives any payment.
- Whole of Life Insurance: As the name suggests, this policy covers you for your entire life and guarantees a payout whenever you die. It's typically used for covering a guaranteed liability, like an inheritance tax bill or funeral costs.
| Feature | Term Life Insurance | Whole of Life Insurance |
|---|---|---|
| Purpose | Cover debts/dependants for a set period | Provide a legacy, cover funeral costs, IHT |
| Duration | Fixed term (e.g., 10, 20, 30 years) | Your entire life |
| Cost | More affordable | More expensive |
| Payout | Only pays if death occurs within the term | Guaranteed payout upon death |
Example: Sarah and Tom, both 32, have just bought their first home with a £250,000 mortgage over 30 years. They take out a joint, decreasing term life insurance policy for the same amount and term. If one of them were to die, the policy would pay off the remaining mortgage, ensuring the surviving partner and their young child can stay in the family home without financial worry.
Family Income Benefit (FIB)
Family Income Benefit is a clever and often overlooked variation of life insurance. Instead of paying a single lump sum upon death, it pays out a regular, tax-free income to your family. This income is paid from the time of the claim until the end of the policy term.
FIB is designed to replace your lost monthly salary, making it incredibly practical for day-to-day budgeting. It ensures that bills, school fees, and living costs can continue to be met in a predictable way, providing stability during a deeply emotional time.
Example: Mark is a 40-year-old father with children aged 8 and 10. He wants to ensure their financial needs are covered until they are at least 21. He takes out a Family Income Benefit policy with a term of 13 years that will pay out £2,500 per month. If he were to die a year later, his family would receive £2,500 every month for the remaining 12 years of the policy, providing a steady income to see them through their education.
Critical Illness Cover (CIC)
Returning to that startling 1-in-2 cancer statistic, Critical Illness Cover becomes one of the most vital components of a modern protection plan. This policy pays out a tax-free lump sum if you are diagnosed with one of a specific list of serious conditions defined in the policy.
The "big three" conditions covered are typically cancer, heart attack, and stroke, but modern policies often cover 50+ conditions, including Multiple Sclerosis, major organ transplant, and Parkinson's disease.
The payout is designed to give you financial breathing space while you focus on what truly matters: your recovery. It can be used for anything:
- Covering your mortgage and bills while you're out of work.
- Paying for private medical treatments or specialist care not available on the NHS.
- Making adaptations to your home (e.g., a wheelchair ramp).
- Allowing a partner to take time off work to care for you.
- Simply reducing financial stress, which is known to be a major impediment to recovery.
Income Protection (IP)
Often described by financial experts as the one policy every working adult should consider, Income Protection is your financial self-preservation tool. It pays you a regular, tax-free income if you are unable to work due to any illness or injury.
Unlike CIC, which pays a lump sum for a specific condition, IP covers almost any medical reason that stops you from doing your job. The payments continue until you are well enough to return to work, the policy term ends, or you retire, whichever comes first.
Key features to understand:
- Deferred Period: This is the waiting period before the payments start, chosen by you. It can range from 4 weeks to 12 months. The longer the deferred period, the lower the premium. You would typically align this with any sick pay you receive from your employer.
- Level of Cover: You can usually protect up to 60-70% of your gross salary.
| Protection Type | State Benefit (ESA) | Employer Sick Pay (SSP) | Income Protection (IP) |
|---|---|---|---|
| Who Pays? | The Government | Your Employer | Your Insurer |
| How Much? | A very low fixed amount | A low statutory minimum | Up to 70% of your salary |
| For How Long? | Can be limited | Max 28 weeks | Potentially until retirement |
| What's Covered? | Strict eligibility criteria | Any sickness | Any medical reason for absence |
Income Protection is the true safeguard of your lifestyle and your ability to keep your financial world turning, even when your health stops you in your tracks.
Personal Sick Pay
For certain professions, a different type of income replacement is often more suitable. Personal Sick Pay policies are a form of short-term income protection, typically with a claim period of 1, 2, or 5 years per claim.
These plans are particularly vital for:
- Tradespeople (Electricians, Plumbers, Builders): Often self-employed with no safety net, and working in physically demanding jobs with a higher risk of injury.
- Nurses & Healthcare Professionals: Whilst the NHS provides some sick pay, it is finite. A short-term plan can bridge a crucial gap.
- Freelancers & Contractors: For whom a few months off work due to illness could be financially devastating.
Personal Sick Pay offers an affordable way to ensure your immediate bills are covered during a period of incapacity, without the longer-term commitment and higher cost of a full Income Protection policy.
Gift Inter Vivos (IHT Insurance)
This is a more strategic and specialised form of life insurance designed for estate planning. In the UK, if you give away a significant asset (like property or a large sum of money) as a gift, it may still be subject to Inheritance Tax (IHT) if you die within seven years of making the gift. This is known as a Potentially Exempt Transfer (PET).
A Gift Inter Vivos policy is a life insurance plan taken out for a seven-year term. If the person who made the gift dies during this period, the policy pays out a lump sum intended to cover the resulting IHT liability. This ensures the recipients of your gift receive its full value, rather than a portion being lost to the taxman. It is a powerful tool for ensuring your legacy is passed on as you intended.
The Business of Resilience: Protection for Directors, Freelancers & The Self-Employed
The need for a resilient financial plan is magnified for those who run their own business or work for themselves. They exist outside the traditional safety net of employment benefits, meaning the entire responsibility for their financial security rests on their own shoulders.
The Freelancer's and Sole Trader's Dilemma
When you are your business, you have no statutory sick pay, no death-in-service benefit, and no employer pension contributions. An inability to work means an immediate cessation of income. For this group, Income Protection is not a luxury; it is a fundamental business continuity tool. It is the 'salary' you pay yourself when you are too ill to generate one.
Essential Protection for Company Directors
For directors of limited companies, there are highly tax-efficient ways to arrange protection, using the business to pay the premiums. This is often more cost-effective than paying for cover from personal, post-tax income.
- Relevant Life Cover: This is essentially a death-in-service benefit for an individual director or employee, paid for by the business. Premiums are typically an allowable business expense, and the benefits are paid tax-free to the individual's family or trust. It offers a way to provide high-value life cover without it being treated as a P11D benefit-in-kind.
- Executive Income Protection: This functions like a personal IP policy but is owned and paid for by the director's limited company. Again, the premiums are usually a tax-deductible business expense, and the benefit is paid to the company, which then distributes it to the director as income through PAYE. It protects both the director's income and the company's financial stability.
- Key Person Insurance: This is different. It protects the business itself, not the individual's family. The policy is taken out on the life or health of a 'key person'—an individual whose death or critical illness would cause a significant financial loss to the company. This could be a founder with unique vision, a top salesperson, or a developer with essential technical knowledge. The payout goes to the business to cover lost profits, recruit a replacement, or repay business loans, ensuring the company can survive the loss of its most valuable asset.
| Protection Type | Who is Protected? | Who Pays? | Key Benefit |
|---|---|---|---|
| Relevant Life | Director's Family | The Company | Tax-efficient life cover for directors |
| Executive IP | The Director | The Company | Tax-efficient income replacement |
| Key Person | The Business Itself | The Company | Protects profits/continuity after loss of key staff |
Navigating these options requires expertise. A specialist broker like WeCovr can help business owners and freelancers understand which structure is most appropriate and tax-efficient for their unique circumstances, comparing solutions from the UK's leading insurers.
Beyond the Payout: The Amplified Value of Modern Protection
In 2025, a protection policy is so much more than a cheque in a crisis. Insurers now compete on the value-added benefits they include, transforming policies from a passive safety net into a proactive wellness partner. This is where the true synergy with personal growth becomes apparent.
These benefits, often available from day one of your policy at no extra cost, can include:
- 24/7 Virtual GP Services: The ability to book a video consultation with a GP at any time, day or night. This means no more waiting weeks for an appointment for a nagging health concern.
- Mental Health Support: Access to a set number of confidential counselling or therapy sessions, providing crucial support for stress, anxiety, or depression before they escalate.
- Second Medical Opinions: If you receive a serious diagnosis, these services allow you to have your case reviewed by a world-leading expert, providing peace of mind or alternative treatment options.
- Rehabilitation and Back-to-Work Support: For income protection claims, insurers provide extensive support, including physiotherapy, occupational therapy, and phased return-to-work plans. Their goal is to get you back to health and work, not just to keep sending you money.
The Ultimate Amplifier: Private Medical Insurance (PMI)
When combined with a robust protection portfolio, Private Medical Insurance (PMI) acts as a powerful amplifier for your resilience. While the NHS is a national treasure, it is under immense pressure, with waiting lists for diagnostics and treatment remaining a significant challenge.
PMI works alongside the NHS to provide you with faster access to:
- Specialist Consultations: See a consultant quickly to get a diagnosis.
- Advanced Diagnostics: Get prompt access to MRI, CT, and PET scans.
- Private Treatment: Receive surgery or treatment in a private hospital, often with a choice of surgeon and timing.
- Breakthrough Cancer Drugs: Access to cutting-edge treatments and drugs that may not yet be available on the NHS.
By significantly reducing waiting times, PMI minimises the physical, mental, and financial toll of an illness. It means less time off work, a quicker return to health, and the ability to get back to your life and your personal growth journey with minimal disruption.
Here at WeCovr, we don't just find you a policy; we help you understand and utilise these powerful ancillary benefits. We believe in proactive wellness, which is why we also provide our clients with complimentary access to CalorieHero, our AI-powered nutrition app. It's a small part of our commitment to supporting your overall health journey, not just your financial security.
The Psychology of Security: How a Safety Net Fuels Growth
Why is this financial foundation so critical for personal development? The answer lies in human psychology. The constant, low-level anxiety about financial fragility—the "what if?" scenarios playing in the back of your mind—consumes enormous mental and emotional energy.
This is best explained by Maslow's Hierarchy of Needs. This theory posits that humans must satisfy their most basic needs before they can progress to pursue higher-level motivations.
- Physiological Needs (Food, water, shelter)
- Safety Needs (Personal security, financial security, health)
- Love and Belonging (Friendships, family, relationships)
- Esteem (Respect, status, recognition, self-esteem)
- Self-Actualisation (The desire to become the most that one can be)
Financial protection directly addresses the second tier: Safety Needs. Without this tier being secure, it is incredibly difficult to focus on Esteem and Self-Actualisation—the very essence of personal growth.
By putting a comprehensive protection plan in place, you are not just buying insurance. You are:
- Freeing Up Mental Bandwidth: You liberate your mind from the corrosive worry about financial disaster, allowing you to dedicate that energy to creative thinking, learning new skills, and pursuing ambitious goals.
- Empowering Calculated Risks: The desire to start a business, change careers, or invest in further education often involves a degree of risk. A solid safety net gives you the confidence to take that leap, knowing that an unexpected illness won't render you and your family destitute.
- Strengthening Relationships: Financial stress is a leading cause of conflict in relationships. By removing this major potential stressor, you can be more present and engaged with your partner, children, and friends. You are protecting not just your finances, but your most important human connections.
- Enabling a True Recovery: In the event of illness, a protection plan allows your focus to be 100% on recovery. You can follow medical advice without the pressure of having to return to work prematurely, leading to better long-term health outcomes.
Building Your Resilience Blueprint: A Practical Step-by-Step Guide
Taking control of your financial resilience is one of the most empowering steps you can take. Here’s a simple framework to get you started.
Step 1: Assess Your Reality Be honest about your situation. Make a simple list covering:
- Debts: Mortgage, car loans, credit cards. How much is outstanding?
- Dependants: Do you have a partner, children, or anyone else who relies on your income?
- Income: What is your monthly take-home pay? What would happen if it stopped?
- Savings: How many months' worth of expenses could you cover if your income disappeared tomorrow?
- Goals: What are you working towards? A bigger home? Starting a business? Early retirement?
Step 2: Check Your Existing Cover Look at your employment contract. Do you have any sick pay or death-in-service benefits? Understand exactly what they provide, and for how long. This will reveal the "gap" that you need to fill with personal cover.
Step 3: Prioritise Your Needs You may not be able to afford every type of cover at once. Prioritise what's most important right now.
- For most working people, protecting your income is the number one priority.
- If you have a mortgage and dependants, life insurance is non-negotiable.
- Given the health statistics, critical illness cover is a vital consideration for providing a lump sum to create breathing space.
Step 4: Seek Independent, Expert Advice The protection market is complex, with dozens of providers and huge variations in policy definitions and pricing. This is not a place for guesswork. Working with a specialist independent broker is crucial. An expert adviser can:
- Help you accurately quantify how much cover you need.
- Compare policies from the entire market, not just one or two insurers.
- Explain the crucial differences in policy wordings (e.g., the definition of "incapacity" in an income protection policy).
- Help you place your policies in trust to ensure the money goes to the right people quickly and tax-efficiently.
- Find the most competitive premium for the most comprehensive cover.
Step 5: Review and Adapt Regularly Your protection needs are not static. Life events should trigger a review of your cover:
- Getting married or entering a civil partnership.
- Buying a new home or increasing your mortgage.
- Having a child.
- Changing jobs or getting a significant pay rise.
- Starting a business.
Aim to review your portfolio every 2-3 years, or whenever a major life event occurs, to ensure it still aligns with your life.
Conclusion: Your Future is an Investment, Not a Gamble
Personal growth is a journey of becoming. It requires courage, ambition, and dedication. But as we've explored, it also requires a secure platform from which to leap. Relying on luck to avoid illness or injury is not a strategy; it's a gamble with the highest possible stakes.
The stark reality of a 1-in-2 lifetime cancer risk is a powerful call to action. It urges us to look beyond the superficial hustle and build a deeper, more robust kind of strength: resilience.
Foundational financial protection—from Income Protection and Life Cover to Critical Illness and Private Medical Insurance—is the blueprint for that resilience. It is the practical, tangible expression of self-care and responsibility. It is the tool that transforms vulnerability into security, anxiety into peace of mind, and risk into opportunity.
By investing in your financial resilience, you are doing more than just buying an insurance policy. You are buying yourself the freedom to focus on your recovery, the confidence to pursue your ambitions, and the peace of mind to be fully present in your own life. You are future-proofing your potential.
Isn't protection insurance too expensive?
Do I need cover if I'm young and healthy?
What's the main difference between Income Protection and Critical Illness Cover?
- Income Protection (IP) pays a regular monthly income if you can't work due to almost any medical reason (e.g., a bad back, stress, or a serious illness). It's designed to replace your salary.
- Critical Illness Cover (CIC) pays a one-off, tax-free lump sum if you are diagnosed with one of the specific serious conditions listed in the policy (e.g., cancer, heart attack, stroke). It's designed to provide a capital sum to clear debts, pay for treatment, or adapt your lifestyle.
Can I get cover if I have a pre-existing medical condition?
How much cover do I actually need?
Why should I use a broker like WeCovr instead of going direct to an insurer?
- Whole-of-Market Access: We compare plans and prices from all the major UK insurers to find the best fit for you.
- Expert Advice: We translate the jargon and explain the critical differences in policy terms that aren't obvious on a comparison site.
- Application Support: We guide you through the application process and can help if there are any medical disclosures to make.
- Trust-Writing Service: We can help you place your policy in trust, ensuring the payout is fast, tax-efficient, and goes to the right people.
- Claims Assistance: If the worst happens, we are here to support your family and help with the claims process.
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!