Your Unstoppable Future: The Protection Blueprint
The Hidden Superpower of Personal Growth: How Strategic Financial Protection – Including Income Security, Critical Illness Cover, Tailored Private Health Insurance, and Legacy Planning – Empowers Your Best Life and Relationships in a World Where 1 in 2 People Will Face Cancer by 2025.
In the pursuit of personal growth, we focus on career progression, learning new skills, nurturing relationships, and optimising our health. We build, we strive, we grow. Yet, there’s an undercurrent of uncertainty that can subtly sabotage our best efforts: financial fragility. The fear of what could happen—a sudden illness, an unexpected accident, a life-changing diagnosis—can act as a silent anchor, holding us back from taking the very leaps that define a fulfilling life.
Imagine being able to make bold career moves, launch that business, or simply enjoy your family without the persistent, nagging worry of "what if?" This is not wishful thinking. This is the reality unlocked by strategic financial protection. It is the hidden superpower that transforms anxiety into action, creating a foundation of security from which you can truly thrive.
This isn't about dwelling on the negative. It's about confronting reality with a smart, proactive plan. The statistics are sobering. Ground-breaking analysis by Cancer Research UK forecasts that by 2025, a staggering 1 in 2 people in the UK will be diagnosed with cancer in their lifetime. While medical advancements mean survival rates are better than ever, the financial and emotional toll of such a diagnosis can be devastating.
This article is your blueprint. It’s a guide to dismantling financial fear and building an unstoppable future. We will explore how a robust protection plan—encompassing income security, critical illness cover, life insurance, and proactive health management—doesn't just protect you from the worst-case scenario. It actively empowers you to live your very best life, right now.
The Four Pillars of Your Financial Fortress
Think of comprehensive financial protection not as a single product, but as a multi-layered fortress built on four essential pillars. Each pillar supports a different aspect of your life, and together, they provide unshakeable security for you, your business, and your loved ones.
- Income Security: Safeguarding your most powerful financial tool—your ability to earn an income. This is the engine that powers your entire life.
- Health Resilience: Creating a financial buffer to withstand the shock of a serious illness, giving you the resources and time to focus solely on recovery.
- Family & Future Certainty: Ensuring your loved ones are financially secure and can maintain their quality of life, even if you are no longer there to provide for them.
- Legacy & Wealth Preservation: Intelligently planning for the transfer of your assets, ensuring your legacy benefits your chosen heirs, not the tax man.
By understanding and addressing each of these pillars, you move from a position of passive hope to one of active, confident planning.
Pillar 1: Securing Your Most Valuable Asset – Your Income
Your ability to earn a monthly income is the bedrock of your financial world. It pays the mortgage, covers the bills, funds your lifestyle, and allows you to save for the future. What happens if an illness or injury suddenly turns that tap off? For many, Statutory Sick Pay (SSP) offers a harsh reality check, providing just £116.75 per week for up to 28 weeks (2024/25 figures). This is rarely enough to cover even the most basic living costs.
This is where Income Protection (IP) insurance steps in. It's arguably the most crucial protection policy you can own.
What is Income Protection? Income Protection is a long-term insurance policy designed to provide you with a regular, tax-free replacement income if you are unable to work due to any illness or injury. It pays out after a pre-agreed waiting period (the 'deferment period') and can continue to pay out until you either return to work, retire, or the policy term ends.
Key Terms to Understand:
- Deferment Period: The time you wait from when you stop working to when the policy starts paying out. This can be tailored from 1 day to 12 months, allowing you to align it with any employer sick pay or your own savings. A longer deferment period means a lower premium.
- Level of Cover: You can typically cover 50-70% of your gross annual income. This is to ensure there is an incentive to return to work. The income is paid tax-free.
- Definition of Incapacity: The best policies use an 'Own Occupation' definition. This 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.
Income Protection for the Self-Employed and Freelancers
If you work for yourself, you are your own financial safety net. There is no employer sick pay and no SSP to fall back on. An extended period off work due to illness could be catastrophic for both your personal finances and your business. For the UK's vibrant community of nearly 5 million self-employed individuals, Income Protection isn't a luxury; it's an essential business continuity tool.
Income Protection for Company Directors
As a director, you have a powerful, tax-efficient alternative: Executive Income Protection. This policy is owned and paid for by your limited company as a legitimate business expense.
Benefits of Executive Income Protection:
- Tax-Efficient: Premiums are typically an allowable business expense, reducing your corporation tax bill.
- Higher Cover: It can cover up to 80% of your total remuneration (salary and dividends).
- Comprehensive: Benefits are paid to the company, which then distributes them to you via PAYE, keeping National Insurance and pension contributions active.
Comparing Your Options: SSP vs. Income Protection
To see the stark difference, let's compare the state provision with a typical IP policy.
| Feature | Statutory Sick Pay (SSP) | Typical Income Protection Policy |
|---|---|---|
| Weekly Benefit | £116.75 (fixed) | £575 (e.g., 60% of a £50k salary) |
| Payment Duration | Up to 28 weeks | Until you return to work or retire |
| Tax Status | Taxable | Tax-free |
| Conditions Covered | Any illness stopping work | Any illness or injury stopping work |
| Flexibility | None | Tailored deferment, cover, and term |
The difference is clear. Income Protection provides a meaningful, long-term safety net that state benefits simply cannot match.
Pillar 2: Building a Financial Fortress Against Critical Illness
While Income Protection safeguards your monthly earnings, Critical Illness Cover (CIC) is designed to deal with the immediate and significant financial impact of a life-altering diagnosis.
Imagine being diagnosed with cancer, having a heart attack, or suffering a stroke. Your priority should be 100% on recovery. However, the financial reality can be brutal:
- Reduced household income if you or your partner need to stop working.
- Costs for private treatment or specialist care not available on the NHS.
- Expenses for home modifications or specialist equipment.
- The simple need for a financial cushion to remove money worries during a stressful time.
What is Critical Illness Cover? CIC pays out a one-off, tax-free lump sum upon diagnosis of one of a list of specified serious medical conditions. Modern policies can cover over 100 conditions, though the 'big three'—cancer, heart attack, and stroke—account for the vast majority of claims.
This lump sum is yours to use however you see fit. You could:
- Clear your mortgage or other outstanding debts.
- Fund your living costs for a year or two.
- Pay for pioneering medical treatment in the UK or abroad.
- Adapt your home to your new needs.
- Simply give yourself and your family breathing space.
The Growing Importance of Critical Illness Cover
The statistic that 1 in 2 people will face cancer is a powerful reminder of our vulnerability. Yet, survival rates are continuously improving. CIC is a product designed for this modern reality—it's not just about dying, it's about surviving a serious illness and having the financial resources to live well afterwards.
| Common Critical Illness Claims | Why a Lump Sum Helps |
|---|---|
| Cancer | Covers income loss during treatment, private oncology, recovery time. |
| Heart Attack | Allows for stress-free recovery, cardiac rehab, lifestyle changes. |
| Stroke | Funds home adaptations, private physiotherapy, specialist care. |
| Multiple Sclerosis | Provides financial flexibility for a long-term, degenerative condition. |
When considering CIC, it’s vital to look beyond the price and examine the quality of the policy—specifically, the number of conditions covered and the clarity of the definitions. This is where expert advice from a broker like WeCovr becomes invaluable, as we can help you compare the intricate details of policies from across the market to find the most comprehensive cover for your budget.
Pillar 3: Life Insurance – The Ultimate Act of Love and Responsibility
Life insurance is perhaps the most well-known form of protection, but its purpose is often misunderstood. It’s not for you; it’s for the people you leave behind. It’s a financial expression of care, ensuring that your death doesn’t lead to financial hardship for your family.
The core question it answers is: Who depends on my income, and how would they cope financially if it were gone?
There are several types of life insurance, each designed for a specific need.
1. Term Life Assurance
This is the most common and affordable type of life cover. It runs for a fixed period (the 'term')—for example, 25 years to match your mortgage—and pays out a lump sum if you die within that term.
- Level Term Assurance: The payout amount remains the same throughout the policy term. This is ideal for providing a lump sum for your family to live on and cover general costs.
- Decreasing Term Assurance: The payout amount reduces over time, usually in line with a repayment mortgage. It's a cost-effective way to ensure your mortgage is paid off if you die.
2. Family Income Benefit
A brilliant and often overlooked alternative to a lump-sum payout. Instead of one large payment, Family Income Benefit (FIB) provides a regular, tax-free monthly or annual income to your family from the time of your death until the end of the policy term.
Why consider FIB?
- Budgeting Made Easy: It replaces your lost monthly income, making it easier for your surviving partner to manage finances without being overwhelmed by a large lump sum.
- Cost-Effective: It is often cheaper than an equivalent level term policy.
- Peace of Mind: Provides a steady, predictable income stream for day-to-day living costs, school fees, and more.
3. Whole of Life Insurance
As the name suggests, this policy is designed to pay out whenever you die, provided you keep up with the premiums. It is more expensive than term assurance but is guaranteed to pay out. It is often used for two specific purposes:
- To provide a guaranteed sum for funeral costs.
- As a key tool in Inheritance Tax (IHT) planning, which we'll cover later.
A crucial element for most life policies is to place them in trust. This simple legal step ensures the payout goes directly to your chosen beneficiaries quickly and efficiently, bypassing the lengthy probate process and, in most cases, keeping the money outside of your estate for Inheritance Tax purposes.
The Modern Health Safety Net: Private Medical Insurance (PMI)
While the NHS is a national treasure, it is under unprecedented strain. NHS England data from early 2025 shows waiting lists remain stubbornly high, with millions waiting for routine consultations and procedures. This is where Private Medical Insurance (PMI) provides a powerful advantage: control, speed, and choice.
PMI is not a replacement for the NHS—it works alongside it. It covers the cost of private treatment for acute conditions (illnesses or injuries that are likely to respond quickly to treatment).
The Core Benefits of PMI:
- Speed: Bypass long waiting lists for specialist consultations, diagnostic scans (like MRI and CT), and surgery.
- Choice: Choose your specialist, consultant, and the hospital where you receive treatment.
- Comfort: Access to private hospitals with private, en-suite rooms and more flexible visiting hours.
- Advanced Treatments: Gain access to drugs and treatments that may not yet be available on the NHS due to cost or licensing.
Modern PMI plans are highly customisable. You can choose different levels of outpatient cover, select a list of hospitals, and add options like mental health support or dental and optical cover.
At WeCovr, we recognise that true well-being is a combination of reactive care and proactive health management. That’s why we go a step further for our clients. In addition to helping you find the perfect insurance policy, we provide complimentary access to CalorieHero, our exclusive AI-powered calorie and nutrition tracking app. By empowering you to manage your diet and health proactively, we’re investing in your long-term wellness, which can lead to a healthier life and potentially lower insurance premiums in the future.
The Entrepreneur's Shield: Specialised Protection for Business Owners
For company directors and business owners, your financial life is intrinsically linked to the health of your business. A personal crisis can quickly become a business crisis. Specialised business protection policies are designed to insulate your company from these shocks.
1. Key Person Insurance
Who is indispensable to your business? Is it the technical genius with all the IP in their head? The rainmaker salesperson who brings in 40% of the revenue? The founder whose vision drives the company?
Key Person Insurance is a policy taken out by the business on the life or health of such an individual. 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 the cost of recruiting a replacement.
- Compensate for lost profits or a downturn in sales during the transition.
- Reassure lenders and investors that the business is stable.
- Clear business debts.
2. Shareholder or Partnership Protection
What happens if you or one of your fellow shareholders/partners dies? The deceased's shares will pass to their estate. Their beneficiaries may have no interest in the business and want to sell the shares. Can the surviving owners afford to buy them out? Or would they be forced to sell to an outsider or, worse, wind the company up?
Shareholder/Partnership Protection provides the solution. It involves two parts:
- A legal agreement (cross-option agreement): This sets out that the surviving owners will buy the shares and the deceased's estate will sell them at a fair, pre-agreed valuation method.
- Life and/or Critical Illness policies: Each shareholder takes out a policy on the lives of the others, written in trust. The payout provides the exact funds needed to execute the purchase as per the agreement.
This ensures a smooth, funded transfer of ownership, guaranteeing business continuity for the surviving owners and a fair price for the deceased's family.
3. Relevant Life Policies
A Relevant Life Policy is a highly tax-efficient death-in-service benefit for a single employee, including a company director. It's a standalone life insurance policy paid for by the company.
| Feature | Relevant Life Policy (RLP) | Personal Life Insurance |
|---|---|---|
| Payer | The Limited Company | The Individual |
| Tax Treatment | An allowable business expense | Paid from post-tax income |
| Benefit in Kind | Not a P11D benefit | Not applicable |
| IHT Impact | Payout is outside the estate | Payout is in the estate (unless in trust) |
| Pension Allowance | Does not impact pension allowances | Not applicable |
For a company director, using a Relevant Life Policy instead of a personal one means the company's money is used to pay the premiums, and the company gets tax relief on those payments. It’s one of the most tax-efficient ways to arrange life cover.
Pillar 4: Legacy Planning – Beyond Your Lifetime
Your legacy is more than just the wealth you accumulate; it's the impact you have and the security you leave for future generations. Intelligent planning ensures your assets are passed on efficiently and in accordance with your wishes. Inheritance Tax (IHT) is a key consideration here.
Understanding Inheritance Tax (IHT)
IHT is a tax on the estate (the property, money, and possessions) of someone who has died. In the UK, everyone has a Nil-Rate Band (NRB) of £325,000. An additional Residence Nil-Rate Band (RNRB) of £175,000 is available if you pass your main home to direct descendants. Anything above this threshold is typically taxed at a hefty 40%.
Gift Inter Vivos: Insuring Your Gifts
You can give away assets during your lifetime to reduce your estate's value. These are known as Potentially Exempt Transfers (PETs). If you survive for 7 years after making the gift, it becomes fully exempt from IHT.
However, if you die within 7 years, the gift becomes a 'failed PET' and IHT may be due. This liability falls on the person who received the gift, which can be a terrible shock.
Gift Inter Vivos insurance is the solution. It is a specialised life insurance policy that covers the potential IHT liability on a gift. The sum assured decreases over the 7 years, mirroring the 'taper relief' that reduces the tax payable after 3 years. It ensures your beneficiaries receive the full value of your gift, no matter what.
Using Whole of Life Insurance for IHT
For larger estates with a known IHT liability, a Whole of Life insurance policy written in trust is the classic planning tool. The policy is calculated to provide a lump sum equal to the expected IHT bill upon your death. Because it’s in trust, the money is paid directly to your beneficiaries, who can then use it to pay the tax bill without having to sell family assets like the home or business.
Wellness & Your Premiums: The Financial Benefits of a Healthy Lifestyle
Insurers are, at their core, risk managers. A healthier applicant represents a lower risk, and this is directly reflected in the premiums you pay. This creates a powerful financial incentive to embrace personal growth in your health and wellness.
- Smoking & Vaping: This is the single biggest lifestyle factor. A non-smoker can expect to pay significantly less—often half or even a third—for life and critical illness cover compared to a smoker. Most insurers classify you as a non-smoker only after 12 months of being completely nicotine-free.
- Weight & BMI: A healthy Body Mass Index (BMI) is a strong indicator of lower risk for conditions like heart disease and type 2 diabetes. Insurers will look at your height and weight, and a high BMI can lead to increased premiums or 'loadings'.
- Alcohol Consumption: Your weekly unit consumption will be assessed. Moderate drinking is fine, but heavy consumption can lead to higher premiums.
- Mental Health: Insurers are becoming more sophisticated in assessing mental health. A history of well-managed anxiety or depression, especially with positive lifestyle changes, may have less impact on your application than you think. Proactive management is key.
This direct link between health and cost reinforces the value of tools like the CalorieHero app. By making conscious, healthy choices every day, you are not only investing in your physical well-being but also in your long-term financial health.
Your Blueprint in Action: How to Get Protected
Putting your protection plan in place is a straightforward process when you have the right guidance.
- Assess Your Needs: Start with the big questions. What mortgage and debts do you have? What income would your family need to live on? How long would your savings last if you couldn't work?
- Speak to an Expert: This is not a journey to take alone. The protection market is complex, with dozens of providers and policies that look similar but have crucial differences in their definitions and claims philosophies. An independent broker is your advocate.
- Get a Comprehensive Quote: At WeCovr, we make this process simple. We take the time to understand your unique circumstances, your budget, and your goals. We then search the entire market to find the most suitable and competitive options from all the UK's leading insurers.
- Be Honest in Your Application: Disclose your medical history fully and truthfully. Non-disclosure can lead to an insurer refusing to pay a claim, which defeats the entire purpose of the policy.
- Place Your Policy in Trust: For any life insurance policy, we will guide you through the simple process of placing it in trust to ensure maximum benefit for your loved ones.
- Review Regularly: Life changes. You might get married, have children, or get a promotion. It's wise to review your protection blueprint every few years to ensure it still meets your needs.
Building this blueprint is one of the most profound acts of self-care and responsibility you can undertake. It frees you from financial fear, empowers your personal and professional ambitions, and provides an unbreakable safety net for you and the people who matter most. It is the foundation for your unstoppable future.
Frequently Asked Questions (FAQ)
Is life insurance, critical illness or income protection expensive?
Do I need a medical exam to get cover?
What if my health changes after I take out a policy?
Can I get cover if I have a pre-existing medical condition?
What's the difference between 'reviewable' and 'guaranteed' premiums?
Why should I use a broker like WeCovr instead of going directly 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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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!