Your Growth's Hidden Foundation
Forget just saving: Why mastering financial resilience with strategies like Family Income Benefit, Income Protection, Life & Critical Illness Cover, Personal Sick Pay for vital roles, and strategic Gift Inter Vivos isn't just about risk—it’s the ultimate blueprint for thriving relationships, limitless personal development, and securing your legacy against the stark realities of health in 2025, where forecasts predict 1 in 2 people will face a cancer diagnosis. Discover how private health insurance complements this, offering crucial peace of mind and access to care when it matters most.
We are a nation of savers. We diligently put money aside for holidays, home deposits, and rainy days. But what happens when the 'rainy day' turns into a prolonged storm? A sudden illness, a life-changing diagnosis, or an unexpected death can wash away years of careful saving in an instant, leaving our grandest plans and the people we love exposed.
The conversation around financial health is evolving. It's no longer just about accumulation and growth; it's about resilience. It's about building a foundation so strong that it can withstand life's greatest shocks. This isn't a conversation about fear; it's one of empowerment. It's about understanding that true wealth isn't just measured in your bank balance, but in your ability to protect your lifestyle, your family's future, and your own peace of mind.
With stark predictions from Cancer Research UK suggesting that 1 in 2 people in the UK will be diagnosed with cancer in their lifetime, ignoring the 'what ifs' is no longer a viable strategy. Building a robust financial shield is the bedrock upon which you can pursue personal growth, nurture your relationships, and build a lasting legacy. This guide will explore the essential tools—from Income Protection to Life Cover and Private Health Insurance—that form the blueprint for a truly resilient and prosperous life.
Beyond the Piggy Bank: Why Your Savings Aren't Enough
For generations, the mantra has been "save for a rainy day." While having a cash buffer is undeniably wise, relying on it as your sole line of defence against significant life events is like taking a first-aid kit to a car crash. It’s useful, but fundamentally inadequate for the scale of the problem.
The reality is, savings are finite. They are designed for short-term emergencies—a boiler breakdown, an unexpected car repair. They were never intended to replace months or even years of lost income, fund major home adaptations after an accident, or cover the enormous ancillary costs that come with a critical illness.
Let's consider the numbers. According to the Office for National Statistics (ONS), the median household net financial wealth in the UK was £17,500 in the period covering 2020 to 2022. Now, compare that to the average UK salary. If the primary earner was unable to work, how long would £17,500 last? For many, it would be a matter of months, not years.
Inflation further erodes the power of your savings. The pot of money you have today will be worth less in five or ten years' time. A protection policy, however, is designed to pay out a benefit that is meaningful at the time of the claim, providing a far more substantial and reliable safety net.
Savings vs. Insurance: A Head-to-Head Comparison
To truly understand the difference in scale, let's compare how savings and insurance stack up in different scenarios.
| Scenario | Relying on Savings | Relying on Protection Insurance |
|---|---|---|
| 3 Months Off Work (Injury) | Could deplete entire emergency fund. Creates stress about returning to work quickly. | Income Protection pays a monthly benefit after the deferral period, preserving savings for other needs. |
| Critical Illness Diagnosis | Savings may cover initial bills but are quickly exhausted by travel, home changes, and lost income. | A Critical Illness Cover policy pays a tax-free lump sum, providing financial freedom to focus on recovery. |
| Long-Term Disability | Savings run out completely. May lead to selling assets, including the family home. | Long-term Income Protection can pay out until retirement, securing your financial future. |
| Premature Death | Savings may not be enough to clear the mortgage and provide for the family's future. | Life Insurance pays a lump sum or regular income to clear debts and support dependents for years. |
Relying solely on savings forces you to compromise your recovery and your family's future. Financial resilience planning allows you to transfer that risk to an insurer for a manageable monthly premium, leaving your hard-earned savings to work for your goals, not just your survival.
The Pillars of Protection: A Deep Dive into Your Financial Armour
Building a fortress of financial resilience requires several key pillars. Each one protects you from a different kind of threat, and together, they provide comprehensive security. Think of them as different elements of your personal financial armour.
Income Protection: Your Monthly Paycheque's Bodyguard
If your income is the engine of your financial life, Income Protection (IP) is its chief mechanic and bodyguard. It's arguably the most crucial 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's designed to replace a significant portion of your lost earnings, allowing you to continue paying your mortgage, bills, and living expenses.
Who is it for? Frankly, anyone who would suffer financially if their paycheque stopped. This is especially vital for:
- The Self-Employed and Freelancers: You have no employer sick pay to fall back on. If you don't work, you don't get paid.
- Company Directors: While your business might support you for a while, Executive Income Protection can be a highly tax-efficient way to secure your income.
- Employees with limited sick pay: Statutory Sick Pay (SSP) is currently just £116.75 per week (2024/25). Could your family survive on that? An IP policy bridges the enormous gap.
Key Concepts to Understand:
- Deferment Period: This is the waiting period between when you stop work and when the policy starts paying out. It can range from one week to a year. The longer the deferment period you choose, the lower your premium. You can align this with any employer sick pay or savings you have.
- 'Own Occupation' Cover: This is the gold standard. It means the policy will pay out if you are unable to do your specific job. Other definitions, like 'suited occupation' or 'any occupation', are less comprehensive and should be carefully considered.
Let's imagine Amelia, a 40-year-old marketing consultant who is self-employed. She develops a serious back condition that prevents her from sitting at a desk for long periods. Her work grinds to a halt. Without Income Protection, she'd be relying on her savings, watching them dwindle while worrying about her mortgage. With her IP policy, after her chosen 3-month deferment period, she starts receiving £2,500 a month. This covers her bills, removes the financial pressure, and allows her to focus fully on physiotherapy and recovery.
| Income Source | Weekly Amount | Monthly Amount (Approx.) |
|---|---|---|
| Statutory Sick Pay (SSP) | £116.75 | £506 |
| Typical Income Protection | £575 | £2,500 |
The difference is not just significant; it's life-changing.
Life Insurance: Securing Your Legacy and Protecting Your Loved Ones
Life Insurance is often misunderstood as something only for the old. In reality, it's for the living. It's a selfless act that provides a financial cushion for the people you leave behind, ensuring they are not burdened by debt or a sudden loss of income at the most difficult time.
The core purpose is to pay out a sum of money upon the policyholder's death. This can be used to:
- Pay off a mortgage, the largest debt for most families.
- Clear other debts like car loans or credit cards.
- Provide an income for your surviving partner and children.
- Cover funeral costs.
- Leave an inheritance or a gift for your children's future.
There are several main types, each suited to different needs:
| Type of Life Insurance | How it Works | Best For... |
|---|---|---|
| Level Term Assurance | The payout amount remains the same throughout the policy term (e.g., £250,000 for 25 years). | Covering an interest-only mortgage or providing a lump sum for family living costs. |
| Decreasing Term Assurance | The payout amount reduces over time, usually in line with a repayment mortgage. | The most affordable way to ensure your mortgage is paid off if you die. |
| Family Income Benefit | Instead of a lump sum, it pays a regular, tax-free monthly or annual income for the remainder of the policy term. | Young families who want to replace a lost salary in a manageable way. It's often more affordable than a large lump sum policy. |
| Whole of Life Cover | As the name suggests, this policy covers you for your entire life and guarantees a payout whenever you die. | Covering a guaranteed inheritance tax bill or leaving a planned legacy. |
Choosing the right type and amount of cover is crucial. A simple rule of thumb is to aim for a sum that covers your mortgage, all other debts, and provides around 10 times your annual salary. However, a tailored financial review can give you a much more accurate figure based on your unique circumstances.
Critical Illness Cover: A Financial Lifeline When You Need It Most
Returning to the sobering statistic that 1 in 2 of us will face a cancer diagnosis, the need for Critical Illness Cover (CIC) becomes starkly clear. While our incredible NHS provides medical treatment, it doesn't pay your mortgage or your bills.
What is it? CIC pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious illnesses. The 'big three' typically covered are cancer, heart attack, and stroke, but modern policies can cover over 50, and sometimes over 100, different conditions.
This lump sum provides financial breathing room at a time of immense physical and emotional stress. It gives you choices. You could:
- Clear or reduce your mortgage to lower your monthly outgoings.
- Adapt your home (e.g., install a ramp or wet room).
- Pay for private treatment or specialist therapies not available on the NHS.
- Allow your partner to take time off work to care for you.
- Simply replace lost income while you focus 100% on getting better.
The peace of mind this provides is immeasurable. The stress of a serious diagnosis is enough to handle without the added burden of financial worry. CIC is often combined with life insurance as a single, more cost-effective policy.
Personal Sick Pay: Essential Cover for Hands-On Professionals
While Income Protection is the comprehensive solution, some professions have a higher risk of short-term injuries that can be just as financially disruptive. This is where Personal Sick Pay policies, sometimes called Accident & Sickness cover, come in.
These policies are particularly popular with:
- Tradespeople: Electricians, plumbers, builders, carpenters.
- Nurses and healthcare workers: Who are on their feet all day and have physically demanding jobs.
- Drivers, mechanics, and manual labourers.
How does it differ from IP?
- Term: It's typically a shorter-term policy, paying out for 12 or 24 months per claim.
- Simplicity: The focus is often on accidents and sickness, with a simpler application process.
- Deferment: You can often choose a very short deferment period, like 'day 1' or 'day 8', meaning the money flows almost immediately.
Consider David, a 42-year-old self-employed plumber. He falls from a ladder and breaks his ankle, leaving him unable to work for 10 weeks. His Personal Sick Pay policy, with a 1-week deferment, starts paying him £400 a week from the second week. This keeps his business afloat and his family bills paid without him having to touch his long-term savings. For hands-on professionals, this type of cover is an essential part of the toolkit.
Complementing Your Shield: The Crucial Role of Private Health Insurance
While the protection policies discussed above secure your finances, Private Health Insurance (also known as Private Medical Insurance or PMI) is designed to look after your physical health. The two work in perfect harmony.
The NHS is a national treasure, but it is under undeniable strain. NHS England data from early 2025 shows referral-to-treatment waiting lists remain at historically high levels, with millions of people waiting for routine procedures.
PMI gives you a choice. It offers a way to bypass these queues and get the treatment you need, when you need it.
Key benefits include:
- Prompt access to specialists: Get a diagnosis and a treatment plan faster.
- Choice of consultant and hospital: Be treated by a leading expert in a comfortable, private facility.
- Access to breakthrough drugs and treatments: Some newer, more expensive treatments may not be available on the NHS but are covered by PMI.
- Comfort and privacy: A private room can make a significant difference to your recovery experience.
Imagine you need a knee replacement. On the NHS, you could be waiting over a year in pain, potentially unable to work. With PMI, you could be seen by a specialist within weeks and have the operation shortly after, dramatically reducing your time in pain and off work.
When combined with Income Protection and Critical Illness Cover, you create a powerful synergy. PMI helps you get better faster, while your protection policies ensure your finances don't suffer while you do.
Beyond the Personal: Protecting Your Business and Your Legacy
For business owners, company directors, and those planning their estate, the principles of resilience extend beyond personal cover. Smart planning can protect your business from collapse and ensure your wealth passes to the next generation efficiently.
For the Company Director & Business Owner: Key Person and Executive Protection
Your business has assets: property, equipment, stock. But its most valuable asset is often its people—the key individuals whose skill, knowledge, and leadership drive its success.
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Key Person Insurance: What would happen to your business if your top salesperson, genius developer, or you yourself were unable to work long-term or passed away? Key Person Insurance is taken out by the business on the life of a crucial employee. If that person dies or suffers a critical illness, the policy pays a lump sum to the business. This money can be used to cover lost profits, recruit a replacement, or clear business debts, ensuring the company survives the blow.
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Executive Income Protection: This is a standard Income Protection policy, but it's paid for by the business on behalf of a director or employee. It's an extremely valuable and tax-efficient employee benefit.
| Feature | Personal Income Protection | Executive Income Protection |
|---|---|---|
| Who pays the premium? | The individual, from their post-tax income. | The limited company. |
| Tax deductibility? | No. | Yes, premiums are typically an allowable business expense. |
| Benefit paid to... | The individual (tax-free). | The business, which then pays it to the employee via PAYE. |
| Benefit for... | Employee only. | An attractive perk for retaining key staff and directors. |
For a company director, arranging income protection this way means the business bears the cost, reducing its corporation tax bill, rather than you paying for it from your already-taxed salary or dividends.
For the Legacy Planner: The Strategic Use of Gift Inter Vivos
As you build wealth, thoughts turn to passing it on. Inheritance Tax (IHT) is a major consideration. Currently, you can pass on assets up to a certain threshold tax-free, but anything above that is typically taxed at a hefty 40%.
One common IHT planning strategy is to gift money or assets during your lifetime. A gift made more than 7 years before your death is generally exempt from IHT. However, if you die within 7 years, the gift may still be subject to IHT on a sliding scale. This creates uncertainty and a potential tax bill for the person you gifted to.
This is where Gift Inter Vivos insurance comes in.
- What is it? It's a special type of life insurance policy, usually a 7-year term plan, designed to pay out a lump sum that covers the potential IHT liability on a specific gift.
Let's take Margaret, 72, who gifts her son Tom £150,000 to help him buy his first home. This gift is a 'Potentially Exempt Transfer'. If Margaret lives for another 7 years, no IHT is due. But if she were to pass away in year 4, a significant IHT bill would fall on Tom. To protect him, Margaret takes out a Gift Inter Vivos policy with a decreasing sum assured that mirrors the shrinking IHT liability over the 7-year period. If she dies within that window, the policy pays out, clearing the tax bill and ensuring Tom receives the full benefit of her gift as intended. It's a simple, cost-effective way to provide certainty in estate planning.
More Than Money: The Life-Changing Impact of Financial Security
This is the heart of the matter. Building this shield of protection isn't just a financial transaction. It has profound, positive ripple effects throughout your entire life.
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Thriving Relationships: Money is a leading cause of stress in relationships. Knowing you have a plan for the worst-case scenario removes a huge source of underlying anxiety. It allows for open, honest conversations about the future and fosters a sense of teamwork and mutual security.
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Limitless Personal Development: How many people stay in jobs they dislike because they fear losing the steady income? Financial resilience gives you the freedom to take calculated risks. You can start that business, go freelance, or take a sabbatical to retrain, knowing that your financial baseline is protected if things don't go to plan or if your health fails. It's the foundation for true professional freedom.
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Mental Wellbeing: The psychological benefit of knowing "we'll be okay" is impossible to overstate. It quiets the anxious voice in the back of your head. It allows you to be more present with your family, sleep better at night, and focus your energy on positive, growth-oriented activities.
At WeCovr, we believe in this holistic approach. Our goal isn't just to help you find an insurance policy; it's to help you build a resilient future. That's why we go a step further. For instance, all our clients gain complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. We understand that financial health and physical health are deeply intertwined, and we're committed to supporting our clients' overall wellbeing.
Your Blueprint for Action: Building Your Resilience Plan Today
Feeling empowered? Here’s how to translate that into tangible action. Building your plan doesn't have to be complicated. Just follow these simple steps.
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Assess Your Situation (The 'What'): Get a clear picture of your finances.
- Income: What is your monthly take-home pay?
- Outgoings: List your essential costs: mortgage/rent, utilities, food, council tax, transport.
- Debts: What do you owe on your mortgage, loans, credit cards?
- Dependents: Who relies on you financially? Your partner, children, or perhaps ageing parents?
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Understand Your Risks (The 'What If'): Ask yourself the tough questions.
- What would happen to your family financially if you died tomorrow?
- How would you pay the bills if a serious illness stopped you from working for a year?
- What sick pay does your employer provide, and for how long? If you're self-employed, the answer is zero.
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Prioritise Your Needs (The 'Which First'): You may not be able to afford every type of cover at once, and that's okay. The key is to start with the most critical foundations. For most people, the hierarchy of importance is:
- 1. Income Protection: Because your ability to earn an income underpins everything else.
- 2. Life Insurance: Especially if you have a mortgage and/or dependents.
- 3. Critical Illness Cover: To provide a lump sum for major health crises.
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Speak to an Expert (The 'How'): The protection market is vast and complex. Policies, definitions, and prices vary hugely between insurers. Trying to navigate this alone can be overwhelming and lead to costly mistakes. This is where using an independent broker is invaluable.
As expert brokers, we at WeCovr have access to the whole market. Our job is to understand your unique situation and then search for the most suitable and competitive plans from all the major UK insurers. We handle the paperwork, explain the jargon, and ensure you get the right cover for your needs and budget, saving you time, money, and stress.
Your Future is a Choice, Not a Chance
The world can feel uncertain. Health statistics can be daunting. But you are not powerless. You have the ability to take control, to build a plan, and to erect a fortress of resilience around yourself and the people you love.
Moving beyond a simple "savings" mindset to a comprehensive "resilience" strategy is the single most powerful investment you can make in your future. It’s an investment that pays dividends not just in financial security, but in peace of mind, stronger relationships, and the freedom to pursue your boldest ambitions.
Don't leave your future, your family's future, and your legacy to chance. Take action today to build the foundation for a thriving tomorrow.
Is protection insurance expensive?
Do I need income protection if I have savings?
Can I get cover if I have a pre-existing medical condition?
What's the difference between Life Insurance and Critical Illness Cover?
How much cover do I actually need?
Why should I use a broker like WeCovr instead of going direct to an insurer?
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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Who Are WeCovr?
WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!