Your Unstoppable Future: The Growth Imperative
As we approach 2025, with health statistics indicating that around 1 in 2 people in the UK will face a major illness like cancer in their lifetime, discover how true personal growth isn't about avoiding risk, but mastering it. This is how strategic financial protection – from Family Income Benefit and Income Protection safeguarding your earnings, to Life and Critical Illness Cover protecting your future, and specialised Personal Sick Pay for tradespeople, nurses, and electricians – combined with the rapid access and choice of Private Health Insurance, creates an unshakeable foundation for thriving, nurturing relationships, and ensuring a lasting legacy, turning potential adversity into unstoppable empowerment.
The Uncomfortable Truth: Facing the UK's Health Landscape in 2025
Let's begin with a sobering, yet essential, piece of information. According to projections from Cancer Research UK, a leading authority on the matter, 1 in 2 people in the UK born after 1960 will be diagnosed with some form of cancer during their lifetime. This isn't a statistic designed to frighten; it's a call to awareness and, more importantly, to action. It’s a reflection of our longer lifespans and improved diagnostics, but it fundamentally reframes our understanding of risk.
Beyond cancer, the landscape includes other significant challenges:
- Cardiovascular Disease: The British Heart Foundation reports that around 7.6 million people in the UK live with heart and circulatory diseases. These conditions are a major cause of disability and death, contributing to thousands of hospital admissions every single day.
- Strokes: The Stroke Association highlights that there are over 100,000 strokes in the UK each year. That's one every five minutes. While many survive, the journey to recovery can be long and arduous, often impacting the ability to work and live independently.
- Mental Health: Data from the NHS consistently shows that mental health conditions like anxiety and depression are a leading cause of sickness absence, affecting millions and having a profound impact on individual and family well-being.
For generations, the default approach to risk was avoidance. We were taught to play it safe, to steer clear of uncertainty. But in a world where significant health challenges are a statistical probability rather than a remote possibility, this mindset is no longer sufficient. True personal growth and resilience in the 21st century aren't born from avoiding risk, but from mastering it.
Mastering risk means acknowledging its existence and building a robust framework to mitigate its impact. It means creating a structure so strong that when adversity strikes—not if, but when—it doesn't shatter your life, your family's security, or your future aspirations. It becomes a challenge to be navigated, not a catastrophe that derails everything. This is the foundation of an unstoppable future.
The Financial Domino Effect of a Health Crisis
A serious illness is, first and foremost, a health battle. But almost immediately, it triggers a second, often overwhelming, financial battle. The two are intrinsically linked, and underestimating the financial fallout is a critical mistake. Imagine a line of dominoes; a health diagnosis is the first one to fall, and it can set off a chain reaction that destabilises your entire financial world.
The Initial Shock: Loss of Income For most people, their ability to earn an income is their single most valuable asset. A serious illness can abruptly halt this.
- Statutory Sick Pay (SSP): The UK's safety net is modest. As of late 2024, it stands at just over £116 per week for up to 28 weeks. For most households, this is nowhere near enough to cover mortgage or rent, bills, and daily living costs.
- Employee Benefits: While some employers offer generous sick pay schemes, these are often time-limited. A six-month full-pay policy might seem generous, but a cancer treatment plan or stroke recovery can easily extend far beyond this period.
- Self-Employed Reality: For freelancers, contractors, and business owners, the impact is even more immediate. If you don't work, you don't get paid. There is no SSP safety net.
The Escalating Costs: The Hidden Expenses While the NHS provides exceptional care free at the point of use, a long-term illness brings a raft of additional, unexpected expenses:
- Travel and Parking: Frequent trips to hospitals for consultations, treatments, and check-ups can lead to significant fuel and parking costs.
- Home Adaptations: You might need to install a stairlift, adapt a bathroom, or purchase specialist equipment to live comfortably and safely at home.
- Increased Bills: Spending more time at home often means higher utility bills.
- Specialist Diets: Nutritional needs can change, requiring more expensive foods or supplements.
- Childcare: If you or your partner are unable to manage childcare, you may need to pay for additional help.
The Long-Term Damage: Eroding Your Future When income drops and expenses rise, families are forced to make difficult choices.
- Draining Savings: Emergency funds, built for a rainy day, are quickly exhausted.
- Cashing in Investments: Long-term investments like ISAs or shares, earmarked for retirement or university fees, may have to be sold.
- Taking on Debt: Credit cards and loans become a last resort, creating a cycle of debt that can linger long after the health crisis has passed.
This financial strain adds immense stress at a time when all focus should be on recovery. It can strain relationships, impact mental health, and compromise the future you've worked so hard to build. This is the domino effect in action, and it's why a proactive protection strategy isn't a luxury—it's an absolute necessity.
Building Your Fortress: The Core Pillars of Financial Protection
To master risk, you need to build a financial fortress around yourself and your family. This fortress is constructed from several key pillars of protection, each designed to defend a different aspect of your financial life. It's not about having just one type of cover; it's about layering different policies to create comprehensive, unshakeable security.
Safeguarding Your Income: The First Line of Defence
If your income is your most valuable asset, protecting it is your first priority. This is where Income Protection and Personal Sick Pay come in.
Income Protection (IP) Often described by financial experts as the one policy every working adult should consider, Income Protection is your personal salary continuance plan.
- What it does: It pays out a regular, tax-free monthly income if you are unable to work due to any illness or injury.
- How much it pays: Typically, you can cover 50-70% of your gross monthly salary. This is designed to be enough to cover essential outgoings without disincentivising a return to work.
- The 'Deferment Period': This is the waiting period between when you stop working and when the payments begin. It can range from 4 weeks to 12 months. The longer the deferment period you choose, the lower your monthly premium. You can align it with your employer's sick pay scheme or your emergency savings.
- The 'Own Occupation' Definition: 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, so it's vital to check this detail.
Personal Sick Pay This is a more specialised, often shorter-term form of income replacement, particularly suited to those in manual or higher-risk professions.
- Who it's for: Tradespeople (electricians, plumbers, builders), nurses, drivers, and other hands-on professionals who face a higher risk of injury that could stop them from working. It's also a vital tool for gig economy workers and freelancers with fluctuating incomes.
- How it differs from IP: Personal Sick Pay policies often have shorter deferment periods (sometimes from day one or day eight) and shorter payment periods (typically 12 or 24 months per claim). They are designed for immediate impact, providing a financial bridge for injuries and illnesses that might not be long-term but are immediately debilitating.
| Feature | Income Protection (IP) | Personal Sick Pay |
|---|---|---|
| Purpose | Long-term income replacement for any illness/injury | Short-to-medium term income replacement |
| Typical User | Office workers, professionals, anyone with a salary | Tradespeople, nurses, freelancers, riskier jobs |
| Payout Duration | Can pay until retirement age | Typically 1, 2, or 5 years per claim |
| Deferment Period | 4 weeks to 12 months | 1 day to 8 weeks |
| Core Strength | Comprehensive, long-term security | Rapid payout for immediate financial gaps |
Protecting Your Loved Ones: Your Legacy
While income protection secures your present, life insurance secures your family's future in your absence.
Life Insurance (or Life Protection) This is the most well-known form of protection. In its simplest form, it pays out a tax-free lump sum to your beneficiaries if you pass away during the policy term. This money can be used for anything, but it’s commonly used to:
- Pay off a mortgage, ensuring your family keeps their home.
- Replace your lost income to cover ongoing family expenses.
- Provide for children's education costs.
- Cover funeral expenses.
There are two main types: Term Life Insurance, which covers you for a fixed period (e.g., until your mortgage is paid off or your children are adults), and Whole of Life Insurance, which guarantees a payout whenever you die.
Family Income Benefit (FIB) This is a clever and often more budget-friendly alternative to a standard lump-sum life insurance policy. Instead of providing a single large payout, FIB pays your family a regular, tax-free monthly or annual income from the time of your death until the end of the policy term.
Why is this so effective for young families?
- Budgeting: It replaces your lost monthly salary with a manageable monthly income, making it easier for your surviving partner to manage household finances without being overwhelmed by a huge lump sum.
- Cost-Effective: Because the total potential payout decreases as the policy term progresses, FIB premiums are often significantly lower than for an equivalent lump-sum policy.
| Feature | Standard Life Insurance | Family Income Benefit (FIB) |
|---|---|---|
| Payout Format | One-time, tax-free lump sum | Regular, tax-free income (e.g., monthly) |
| Best For | Clearing large debts like a mortgage | Replacing a lost salary for day-to-day living |
| Financial Management | Requires careful investment/management of a large sum | Simple, manageable income stream for budgeting |
| Cost | Generally higher premiums for a large sum insured | Often more affordable, especially for young families |
Covering Major Health Crises: The Critical Illness Backstop
Critical Illness Cover (CIC) is designed to provide a financial cushion at the point of diagnosis, not death. It bridges the gap between falling ill and the longer-term support from Income Protection.
- How it works: CIC pays out a tax-free lump sum if you are diagnosed with one of a specific list of serious medical conditions defined in the policy.
- Conditions Covered: The core conditions covered by most insurers include cancer, heart attack, and stroke, which make up the vast majority of claims. Comprehensive policies can cover 50, 100, or even more conditions, including multiple sclerosis, kidney failure, major organ transplant, and Parkinson's disease.
- How the money can be used: The power of CIC is its flexibility. The lump sum can be used for anything you need to help you through the crisis:
- Clear a mortgage or other debts to reduce monthly outgoings.
- Pay for private medical treatment or specialist consultations.
- Adapt your home to your new needs.
- Allow your partner to take time off work to care for you.
- Simply provide a financial buffer to allow you to focus 100% on your recovery without financial worry.
The key is to understand that CIC, IP, and Life Insurance work as a team. A diagnosis could trigger a CIC payout for immediate needs, while your IP policy kicks in a few months later to replace your ongoing salary. Your Life Insurance policy remains in the background, providing the ultimate safety net for your family.
The 'And' Strategy: Why Protection and Private Health Insurance are Better Together
Having a financial safety net is one half of the equation. The other half is getting the best possible medical care as quickly as possible. This is where the synergy between protection insurance and Private Health Insurance (PMI) creates a truly powerful strategy for mastering risk.
The NHS is a national treasure, but it is under immense pressure. As of 2025, waiting lists for diagnostics and elective procedures remain a significant challenge. NHS England data consistently shows millions of people waiting for treatment, with many waiting over 18 weeks. When faced with a serious health concern, waiting is the last thing you want to do.
The Power of Private Health Insurance (PMI) PMI is not a replacement for the NHS; it's a complementary service that works alongside it. Its primary benefits are speed and choice.
- Rapid Access: PMI allows you to bypass lengthy waiting lists for specialist consultations, diagnostic scans (like MRI and CT), and surgery. Getting a diagnosis and starting a treatment plan weeks or months earlier can have a profound impact on outcomes.
- Choice and Control: You get to choose the specialist consultant who treats you and the hospital where you are treated. This sense of control can be incredibly reassuring during a stressful time.
- Enhanced Comfort: Treatment is often in a private hospital with a private room, offering a more comfortable and restful environment for recovery.
- Access to a Wider Range of Treatments: Some policies offer access to breakthrough drugs or treatments that may not yet be available on the NHS due to funding decisions.
The Unstoppable Synergy Now, consider how these two elements work together:
- The Diagnosis: You find a lump or experience worrying symptoms. Your PMI plan allows you to see a specialist within days and have an MRI scan the same week. You get a swift, definitive diagnosis.
- The Treatment: Your PMI policy covers the cost of your surgery and subsequent therapy at a leading private hospital, starting almost immediately.
- The Financial Fallout: Your Critical Illness Cover pays out a lump sum upon diagnosis. You use this to pay off your car loan and credit card debt, instantly reducing your monthly stress.
- The Income Gap: You take six months off work to recover. After your 3-month employer sick pay ends, your Income Protection policy kicks in, paying you a tax-free monthly income that covers your mortgage and bills.
In this scenario, you have removed both the medical and financial stress from the equation. The health crisis is still a challenge, but it is not a catastrophe. You have the best medical care and complete financial peace of mind. This is what turning potential adversity into unstoppable empowerment looks like. At WeCovr, we specialise in helping clients understand this synergy, finding them a tailored package of protection and PMI that fits their life perfectly.
The Business Owner's Blueprint: Protecting Your Enterprise and Yourself
For company directors, self-employed professionals, and business owners, the line between personal and professional risk is often blurred. A health crisis doesn't just affect your family; it can threaten the very survival of the business you've poured your life into. Fortunately, there are specialised, tax-efficient protection solutions designed for this very purpose.
Key Person Insurance Imagine your business's most vital employee—a top salesperson, a genius coder, or perhaps even yourself. What would happen to your profits and operations if they were suddenly unable to work due to critical illness or death? Key Person Insurance is designed to protect the business itself.
- How it works: The business takes out and pays for a policy on the life of a key individual. If that person becomes critically ill or passes away, the policy pays a lump sum directly to the business.
- How the funds are used: This money provides a crucial cash injection to help the business weather the storm—it can be used to recruit and train a replacement, cover lost profits, or reassure lenders and investors.
Relevant Life Cover This is a highly tax-efficient way for a limited company to provide life insurance for its employees, including directors.
- The benefit: The company pays the premiums, which are typically treated as an allowable business expense. It is not considered a P11D benefit-in-kind, meaning there's no extra income tax for the employee or National Insurance for the employer or employee. It's a valuable death-in-service-style benefit for small businesses that don't have a full group scheme.
Executive Income Protection This works just like personal income protection, but it's paid for by the business on behalf of a director or employee.
- The tax advantage: Premiums are usually an allowable business expense, making it a tax-efficient way to provide a vital benefit. The payout goes to the business, which then pays it to the employee via PAYE, ensuring their income continues.
Gift Inter Vivos (IHT Protection) A more niche but crucial product for business owners planning their estate. If you gift significant assets (like company shares) to your children, there could be a large Inheritance Tax (IHT) bill if you pass away within seven years. A Gift Inter Vivos policy is a special type of life insurance designed to pay out a lump sum to cover this specific tax liability, ensuring your gift is received in full.
| Business Protection | What It Protects | Who Pays | Who Benefits | Key Feature |
|---|---|---|---|---|
| Key Person | The business's profitability | The business | The business | Cash injection to survive loss of key staff |
| Relevant Life Cover | The employee's family | The business | Employee's family | Highly tax-efficient death-in-service benefit |
| Executive IP | The employee's income | The business | The employee (via business) | Tax-deductible premiums for the company |
| Gift Inter Vivos | The value of a gifted asset | The person making the gift | The recipient of the gift | Covers Inheritance Tax on gifts made <7 years before death |
Proactive Well-being: The Other Side of the Risk Mastery Coin
Mastering risk isn't just about financial firewalls; it's also about proactively reducing the likelihood of a claim in the first place. Building a resilient body and mind is the ultimate form of protection. True personal growth involves taking ownership of your health through daily habits.
Fuel Your Body Intelligently Your diet is the cornerstone of your health. Focus on whole, unprocessed foods. The Mediterranean diet, rich in vegetables, fruits, nuts, beans, and healthy fats like olive oil, is consistently linked to a lower risk of heart disease and other chronic conditions. Small changes, like swapping a processed snack for a piece of fruit, can have a cumulative positive effect.
Move Your Body Daily The NHS recommends at least 150 minutes of moderate-intensity activity (like brisk walking or cycling) or 75 minutes of vigorous-intensity activity (like running or tennis) a week, plus strength exercises on two or more days. Movement isn't just for weight management; it boosts your immune system, strengthens your heart, and is a powerful tool for improving mental health.
Prioritise Rest and Recovery Sleep is not a luxury; it's a critical biological function. Aim for 7-9 hours of quality sleep per night. During sleep, your body repairs cells, consolidates memories, and regulates hormones. Chronic sleep deprivation is linked to a higher risk of obesity, diabetes, and cardiovascular disease.
Nurture Your Mental Resilience Your mental health is just as important as your physical health. Practice stress-management techniques like mindfulness or meditation. Nurture your social connections with friends and family. Don't be afraid to seek professional help if you are struggling.
At WeCovr, we believe in a holistic approach to well-being. We understand that insurance and a healthy lifestyle are two sides of the same coin. That’s why, in addition to finding you the right insurance, we provide our clients with complimentary access to CalorieHero, our AI-powered nutrition app. It's a simple, effective tool to help you take control of your health one meal at a time, reinforcing our commitment to your long-term prosperity.
The Path to Empowerment: How to Build Your Personalised Protection Plan
Feeling empowered to act is the final step. Here is a simple, four-step process to build your personal protection portfolio.
Step 1: Audit Your Life Get a clear picture of your financial world. Use a simple spreadsheet to list:
- Your monthly income and your partner's income.
- Your essential monthly outgoings (mortgage/rent, bills, food, transport).
- Your debts (credit cards, loans, car finance).
- Your dependents and their future needs (children's education).
- Your existing savings and investments.
Step 2: Understand Your Workplace Benefits Request a statement of your employee benefits. Find out exactly what sick pay, death-in-service, and health cover you have. Critically, ask yourself: is it enough? Employer schemes are a great starting point, but they are rarely sufficient to provide total security.
Step 3: Define Your 'Why' This is the most important step. What are you truly protecting?
- "I want to ensure my partner and children can stay in our family home, no matter what." (This points towards Life Insurance and CIC to cover the mortgage).
- "I want to know that our bills will be paid if I can't work for a year." (This points towards Income Protection).
- "As a self-employed electrician, I need cover from day one if I break my arm." (This points towards Personal Sick Pay).
Step 4: Seek Expert Guidance You wouldn't perform surgery on yourself, so why try to navigate the complexities of insurance alone? The definitions, terms, and options can be overwhelming. An expert broker adds immense value. Navigating the options can be complex. This is where expert guidance is invaluable. At WeCovr, we specialise in comparing plans from all the UK's leading insurers to build a portfolio that is perfectly tailored to your unique circumstances, 'why', and budget. We do the hard work so you can have complete confidence in your cover.
Conclusion: From Risk to Resilience, Your Unstoppable Journey Starts Now
The world of 2025 and beyond presents us with a clear choice. We can either live in apprehension of the risks highlighted by statistics, or we can look them squarely in the eye and choose to become architects of our own security.
True growth lies in this choice. It is the shift from a passive hope that things will be okay to the active creation of a plan that ensures they will be. Strategic financial protection and health insurance are not mere expenses on a bank statement. They are profound investments in your most valuable assets: your health, your family's well-being, your peace of mind, and your capacity to pursue your goals without fear.
By combining proactive wellness with a robust, multi-layered insurance fortress, you transform vulnerability into resilience. You turn potential adversity into a manageable event. You create an unshakeable foundation that allows you to live more freely, love more deeply, and build a lasting legacy. Your unstoppable future begins the moment you decide to master risk, and that journey starts today.
Is life insurance expensive?
Do I need Income Protection if I have savings?
What's the difference between Critical Illness Cover and Private Health Insurance?
Can I get cover if I have a pre-existing medical condition?
As a freelancer, what's the most important cover for me?
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!