Your Growth Armor
Beyond Ambition: The 2025 Resilience Blueprint Protecting Your Personal Growth and Life's Milestones from Unforeseen Crises.
In a world that celebrates hustle and ambition, we are constantly planning our next move. The next promotion, the dream home, the business launch, the growing family. We meticulously map out our five-year plans, driven by a powerful vision for the future. Yet, in our relentless pursuit of growth, we often overlook the most critical element of any successful blueprint: resilience.
True, lasting success isn't just about reaching your goals; it's about having the strength and resources to protect them when life throws an inevitable curveball. An unexpected illness, a serious accident, a sudden loss—these are the unforeseen crises that can fracture the foundations of our best-laid plans, turning dreams into sources of immense financial and emotional stress.
This is your definitive 2025 guide to building ‘Growth Armor’. It’s a resilience blueprint designed not to dwell on the negative, but to empower your ambition. By understanding the risks and implementing a robust protection strategy, you can ensure that your personal growth, your family’s security, and your life’s milestones are shielded from life's most challenging moments. Let’s move beyond mere ambition and build something truly unshakeable.
The Fragility of Our Grand Designs: Why Ambition Needs Armour
We live with an "it won't happen to me" mindset. We see stories of misfortune and subconsciously file them away as events that happen to other people. The reality, backed by sobering statistics, tells a different story. The path to our goals is often more precarious than we acknowledge.
Consider these realities of life in the UK today:
- The Cancer Reality: Cancer Research UK projects that 1 in 2 people in the UK born after 1960 will be diagnosed with some form of cancer during their lifetime. While survival rates are constantly improving, a diagnosis almost always means significant time off work for treatment and recovery.
- Heart and Circulatory Diseases: The British Heart Foundation highlights that there are around 7.6 million people living with heart and circulatory diseases in the UK. Every five minutes, someone is admitted to a UK hospital due to a heart attack.
- The Sick Note Britain: According to the Office for National Statistics (ONS), a record 2.8 million people were out of work due to long-term sickness in late 2023. This isn't just a statistic; it represents millions of households where the primary income has suddenly vanished.
- The Inadequacy of State Support: Many believe the state will provide a sufficient safety net. However, Statutory Sick Pay (SSP) in the UK for 2024/25 is just £116.75 per week, payable for a maximum of 28 weeks. For most households, this barely covers the weekly food shop, let alone a mortgage, council tax, and utility bills.
The financial fallout from a health crisis can be devastating. Savings can be wiped out in months, forcing people to make impossible choices, like returning to work before they've fully recovered or even selling the family home. Ambition and personal growth are simply not possible when you are in survival mode.
To illustrate, let's look at the stark reality of relying solely on SSP:
| Monthly Expense | Average Cost (UK) | 3 Months of SSP (£1,517.75) Coverage |
|---|---|---|
| Mortgage/Rent | £1,100 | Barely covers one month |
| Council Tax | £175 | Covers about 8 months |
| Utilities (Gas/Elec/Water) | £250 | Covers about 6 months |
| Groceries | £400 | Covers less than 4 months |
| Total Monthly Outgoing | £1,925 | Significant Shortfall |
Note: Average costs are illustrative and vary by region and household.
This simple table shows that within a single month, SSP is already insufficient. This is why a personal resilience blueprint isn't a luxury; it's a fundamental necessity for anyone with financial responsibilities and future aspirations.
The Three Pillars of Your Financial Fortress
Your Growth Armor is built upon three core pillars of protection insurance. Each serves a distinct purpose, working together to create a comprehensive shield against different types of financial shocks. Understanding these is the first step towards true financial security.
Pillar 1: Income Protection - Your Monthly Shield
Think of Income Protection (IP) as your personal salary, paid for by an insurer, which kicks in if you’re unable to work due to any illness or injury. It is arguably the most important financial product you can own after a pension.
How it works: You choose a policy that covers a percentage of your gross salary (typically 50-70%). If you become medically signed off work, the policy starts paying you a tax-free monthly income after a pre-agreed waiting period, known as the 'deferment period'. These payments can continue until you recover, your policy term ends, or you retire, whichever comes first.
Key Features to Understand:
- Deferment Period: This is the time between when you stop working and when the policy starts paying out. It can range from 1 day to 52 weeks. The longer the deferment period, the lower your monthly premium. You can align it with your employer's sick pay scheme or your personal savings.
- Level of Cover: This is the monthly amount you would receive. It's designed to cover your essential outgoings, not to replace your entire salary.
- Definition of Incapacity: This is crucial. The best policies use an 'Own Occupation' definition. This means the policy will pay out if you are unable to perform your specific job. Other, less comprehensive definitions like 'Suited Occupation' or 'Any Occupation' may only pay out if you are unable to do a similar job or any job at all, making them much harder to claim on.
| Feature | Income Protection | Personal Sick Pay | Statutory Sick Pay (SSP) |
|---|---|---|---|
| Who Provides It | Private Insurer | Private Insurer | Your Employer (Government Mandated) |
| Typical Payout | 50-70% of your gross income, paid monthly | A fixed weekly amount (e.g., £250-£500) | £116.75 per week (2024/25) |
| Payment Duration | Can be long-term, even until retirement | Short-term, typically for 12 or 24 months | Maximum of 28 weeks |
| Best For | Comprehensive long-term protection for anyone | Short-term cover for tradespeople, riskier jobs | A minimal legal baseline, not a safety net |
| Definition | Often 'Own Occupation' for robust claims | Usually 'Own Occupation' | Medically signed off work |
Income Protection is the bedrock of financial planning for a self-employed architect who develops a repetitive strain injury, a teacher suffering from burnout, or an office worker undergoing long-term treatment for a back condition. It ensures the mortgage is paid and the lights stay on, allowing you to focus entirely on your recovery.
Pillar 2: Critical Illness Cover - Your Crisis Fund
While Income Protection replaces your monthly salary, Critical Illness Cover (CIC) provides a different kind of support. It pays out a one-off, tax-free lump sum on the diagnosis of a specified serious, but not necessarily fatal, illness.
How it works: You choose a lump sum amount when you take out the policy. If you are diagnosed with one of the conditions listed in your policy documents (and survive for a short period, typically 10-14 days), the insurer pays you the full amount.
What Can the Lump Sum Be Used For? The beauty of CIC is its flexibility. The money is yours to use as you see fit. People often use it for:
- Paying off a mortgage or other large debts.
- Covering lost income for a partner who takes time off to care for you.
- Funding private medical treatments or specialist therapies not available on the NHS.
- Making necessary adaptations to your home, such as installing a ramp or a stairlift.
- Simply giving you the financial freedom to take a year off to recover without any money worries.
The 'big three' conditions covered by almost all CIC policies are cancer, heart attack, and stroke. However, modern comprehensive policies can cover over 50 specified conditions, including multiple sclerosis, motor neurone disease, major organ transplant, and permanent blindness or deafness.
Real-Life Scenario: Sarah, a 35-year-old marketing manager, was diagnosed with breast cancer. Her Critical Illness Cover paid out £100,000. This allowed her to pay off her car loan, create a buffer for her mortgage payments, and pay for specialist physiotherapy during her recovery. Crucially, it removed the financial pressure, which she felt was instrumental in her positive mental outlook and successful return to health.
Pillar 3: Life Insurance - Your Legacy Protector
Life insurance is the most well-known form of protection, but it's often misunderstood. Its core purpose is simple: to provide a financial payout to your loved ones if you pass away during the term of the policy. This money can help them maintain their standard of living, pay off the mortgage, and fund future goals like university education.
There are several different types, each suited to different needs:
- Level Term Insurance: You choose a lump sum amount and a term (e.g., £250,000 over 25 years). If you die within that term, your beneficiaries receive the full £250,000. This is ideal for covering an interest-only mortgage or providing a general family safety net.
- Decreasing Term Insurance: The amount of cover reduces over time, usually in line with a repayment mortgage. As you pay off your mortgage, the amount needed to clear it decreases, and so does your cover. This makes it a very cost-effective way to specifically protect the family home.
- Family Income Benefit (FIB): Instead of a single lump sum, this policy pays out a regular, tax-free income to your family from the time of your death until the end of the policy term. This is an excellent choice for young families, as it replaces the lost monthly income in a manageable way, making budgeting much easier for the surviving partner.
- Whole of Life Insurance: As the name suggests, this policy is guaranteed to pay out whenever you die, as long as you've kept up the premiums. Because the payout is certain, it's more expensive. It's typically used for covering a future Inheritance Tax (IHT) bill or providing a lump sum for funeral expenses.
| Type of Life Insurance | How It Works | Best For |
|---|---|---|
| Level Term | A fixed lump sum paid out if you die within a set term. | Protecting an interest-only mortgage or providing a family lump sum. |
| Decreasing Term | The lump sum decreases over time. | Cost-effectively protecting a repayment mortgage. |
| Family Income Benefit | Pays a regular, tax-free income instead of a lump sum. | Young families who need to replace a lost monthly salary. |
| Whole of Life | A guaranteed lump sum paid out whenever you die. | Covering funeral costs or a known future Inheritance Tax liability. |
For the Trailblazers: Specialised Protection for Business Owners and Directors
If you run your own business, your personal and professional finances are deeply intertwined. A health crisis doesn't just affect your family; it can threaten the very existence of the company you've worked so hard to build. Standard personal policies are essential, but specialist business protection is a non-negotiable part of a director's resilience blueprint.
Key Person Insurance
Who in your business is indispensable? Is it the founder with the vision and client relationships? The tech lead with the unique coding knowledge? The sales director who brings in 70% of the revenue? This is your 'key person'.
Key Person Insurance is a policy taken out and paid for by the business on the life of this crucial employee. If that person dies or is diagnosed with a specified critical illness, the policy pays a lump sum directly to the business. This money can be used to:
- Cover the costs of recruiting and training a replacement.
- Repay business loans that the key person may have guaranteed.
- Compensate for the loss of profits or revenue during the transition period.
- Reassure investors, lenders, and clients that the business has a contingency plan.
Without it, the loss of a key individual can be a fatal blow to a small or medium-sized enterprise (SME).
Executive Income Protection
This is similar to personal Income Protection, but it's arranged and paid for by your limited company for an employee or director. The key advantage is its tax efficiency. The premiums are typically considered an allowable business expense, meaning they can be offset against corporation tax.
For a director, this is a highly efficient way to secure their own income. The company pays the premium, gets tax relief, and if the director is unable to work, the policy pays a monthly income back to the company, which can then be distributed to the director through the payroll system. It provides vital personal protection while being a legitimate business cost.
Relevant Life Cover
Many large corporations offer 'death-in-service' benefits to their employees, typically a payout of 3-4 times salary. For directors of small limited companies, this isn't usually an option. A Relevant Life Plan is the solution.
It's a company-paid life insurance policy for an individual employee or director. Like Executive IP, the premiums are generally a tax-deductible business expense, and it doesn't count as a P11D benefit-in-kind. The payout is made into a discretionary trust, meaning it goes directly to the director's family, free from Inheritance Tax, and bypassing the often lengthy probate process. It's the most tax-efficient way for a small business to provide death-in-service benefits.
The Freelancer & Self-Employed Survival Kit
For the UK's 4.25 million self-employed individuals, the mantra is "if you don't work, you don't get paid." There is no employer sick pay, no HR department, and no safety net. This makes building a personal resilience blueprint an act of absolute necessity.
- Income Protection is Non-Negotiable: For a freelancer, contractor, or sole trader, Income Protection is the single most important policy. It is your sick pay. It is your business continuity plan. It's the one thing that ensures your personal and business finances can survive a period of illness or injury.
- Personal Sick Pay: For those in manual trades like electricians, plumbers, or builders, the risk of short-term injury is higher. Personal Sick Pay policies are designed for this. They often have shorter deferment periods (even just one day) and pay out for a fixed term (e.g., 12 months). They can be a great, affordable way to cover you for the broken leg or slipped disc that could otherwise put you out of business for weeks.
- Critical Illness Cover: Imagine being a self-employed consultant and suffering a stroke. Even if you make a good recovery, you may need 6-12 months off work. Without a salary, how do you manage? A CIC payout provides the capital to keep your household running and your business afloat (covering professional subscriptions, insurance, etc.) while you focus on getting better.
Navigating the insurance market as a self-employed person can be tricky. Proving income, especially with fluctuating earnings, requires expertise. This is where an independent broker like WeCovr can be a powerful ally. We work with insurers who specialise in the self-employed market, understanding how to present your case favourably to secure the best cover at a competitive price.
Proactive Resilience: Fortifying Your Health and Wellbeing
Your Growth Armor isn't just about insurance policies. The most powerful form of protection is proactive: investing in your own health and wellbeing. A healthier lifestyle not only reduces your risk of needing to claim but can also lead to lower insurance premiums. Insurers reward those who take care of themselves.
Think of it as maintaining your armour. A few simple, consistent habits can make a huge difference to your long-term resilience.
- Fuel Your Body and Mind: You don't need a restrictive diet. Focus on a balanced, 'Mediterranean-style' approach: plenty of fruits, vegetables, whole grains, lean proteins, and healthy fats. Reduce your intake of processed foods, sugar, and excessive alcohol. Staying hydrated is also key for energy and cognitive function.
- Prioritise Sleep: Sleep is not a luxury; it's a critical biological function. Aim for 7-9 hours of quality sleep per night. Improve your sleep hygiene by creating a dark, quiet, and cool bedroom environment, avoiding screens before bed, and establishing a consistent sleep-wake cycle.
- Move Your Body: The NHS recommends at least 150 minutes of moderate-intensity activity (like a brisk walk, cycling, or swimming) or 75 minutes of vigorous-intensity activity (like running or a spin class) a week. Find an activity you enjoy, as you're more likely to stick with it.
- Manage Your Stress: Chronic stress is a silent enemy. Incorporate stress-management techniques into your daily routine. This could be mindfulness or meditation apps, regular walks in nature, journaling, or simply setting aside time for hobbies that you love.
At WeCovr, we believe in supporting your health journey proactively. We see our role as more than just finding you the right policy; we want to empower you to live a healthier, more resilient life. That's why, in addition to our expert brokerage service, we also provide our customers with complimentary access to our very own AI-powered calorie tracking app, CalorieHero. It's a simple, effective tool to help you stay on top of your nutritional goals, reinforcing our commitment to your holistic wellbeing.
Building Your 2025 Resilience Blueprint: A Step-by-Step Guide
Feeling overwhelmed? Don't be. Building your blueprint is a logical process. Here’s how to get started today.
Step 1: Audit Your Life Take a clear-eyed look at your current situation.
- Dependants: Who relies on you financially? (Spouse, children, ageing parents).
- Debts: What do you owe? (Mortgage, car loans, business loans, credit cards).
- Income: What is your monthly take-home pay? Is it stable or variable?
- Outgoings: Track your essential monthly spending. What is the bare minimum your household needs to function?
- Existing Cover: Do you have any cover through your employer? If so, what is it and how long does it last?
Step 2: Identify Your Vulnerabilities Ask yourself the tough questions:
- "If my income stopped tomorrow, how long could we manage on our savings and my partner's income?"
- "If I were diagnosed with a serious illness, what would be the biggest financial strain?"
- "If I were to pass away, could my family afford to stay in our home?"
Step 3: Quantify Your Needs Based on your audit, estimate the cover you need.
- Income Protection: Aim to cover your essential monthly outgoings (mortgage, bills, food).
- Critical Illness Cover: A common starting point is to cover your mortgage plus one to two years' salary.
- Life Insurance: Calculate the amount needed to clear the mortgage and provide a fund for your family's future living costs.
Step 4: Explore Your Options (The Smart Way) The UK insurance market is vast and complex. There are dozens of providers, each with different policy definitions, conditions covered, and pricing structures. Going direct to one insurer means you only see one small part of the picture.
Navigating the complexities of these policy variations can be overwhelming. This is where an expert broker like us at WeCovr becomes invaluable. We are not tied to any single insurer. Our role is to represent you. We take the time to understand your unique circumstances from Step 1, and then we compare the entire market to find the plan that fits your specific needs and budget, ensuring you're not paying for features you don't need or, more importantly, missing out on crucial cover.
Step 5: Review and Adapt Your resilience blueprint is a living document, not a "set and forget" purchase. Life changes, and your cover should adapt accordingly. Plan to review your protection portfolio every few years, and especially after major life events:
- Getting married or entering a civil partnership.
- Buying a new home or increasing your mortgage.
- Having a child.
- Getting a significant pay rise or promotion.
- Starting a business.
Conclusion: From Ambitious to Unshakeable
Ambition is the engine that drives us forward. It fuels our dreams and pushes us to build a better life for ourselves and our families. But an engine, no matter how powerful, is useless without a strong chassis and reliable tyres to handle the bumps in the road.
Building your 2025 Resilience Blueprint is the ultimate act of optimism. It’s a declaration that you value your future so much that you are willing to protect it. It is the process of transforming your ambition from a fragile dream into an unshakeable reality.
By putting in place your pillars of protection—Income Protection, Critical Illness Cover, and Life Insurance—you give yourself and your loved ones the greatest gift of all: freedom. The freedom to recover without financial fear. The freedom for your family to grieve without financial burden. The freedom for your ambition to thrive, secure in the knowledge that you have built a fortress around your future.
Do I need a medical examination to get life insurance or critical illness cover?
Is critical illness cover worth it if I have savings?
Can I get income protection if I am self-employed?
What is the difference between writing a policy 'in trust' and not?
How much does protection insurance cost?
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!