Antifragile Growth: Beyond Self-Help
Beyond the latest self-help trends, true personal evolution demands an unshakeable foundation of security. As 2025 projections highlight that 1 in 2 people in the UK will face a cancer diagnosis in their lifetime, and life's unpredictable turns threaten income and family stability, are you building a future resilient enough to embrace genuine growth? Discover how strategic financial empowerment – from Family Income Benefit ensuring your family's financial continuity, to Income Protection and tailored Personal Sick Pay providing vital lifelines for dedicated tradespeople, nurses, and electricians facing injury or illness – liberates you to focus on your highest potential. Uncover the critical role of private health insurance in granting swift access to specialist care and peace of mind, alongside comprehensive Life and Critical Illness Cover for major life events. Learn how these proactive measures, coupled with broader Life Protection and thoughtful Gift Inter Vivos planning, transform potential crises into stepping stones, allowing you to cultivate richer relationships, pursue ambitious goals, and truly live without the constant shadow of financial vulnerability. This isn't just protection; it's the hidden catalyst for an antifragile, empowered life.
The Illusion of Resilience vs. The Power of Antifragility
In our relentless pursuit of self-improvement, we often focus on becoming resilient—the ability to withstand shocks and bounce back to our original state. We read books, listen to podcasts, and adopt habits designed to make us tougher. But what if there's a more powerful concept? What if, instead of just surviving life's inevitable challenges, we could actually grow stronger from them?
This is the essence of being antifragile. A term popularised by thinker Nassim Nicholas Taleb, antifragility is the quality of systems that gain from disorder, volatility, and stressors. A wine glass is fragile; it shatters under stress. A plastic cup is resilient; it might bend but returns to its shape. But an antifragile system, like the mythical Hydra that grows two heads for each one cut off, becomes better, stronger, and more capable in the face of adversity.
The challenge is that you cannot build an antifragile life on a fragile foundation. The constant, low-level anxiety about financial stability acts as a persistent crack in that foundation. Consider the stark realities we face in the UK today:
- The Health Challenge: Cancer Research UK's projections indicate a future where a cancer diagnosis will become a part of life for one in every two people. While medical advancements mean survival rates are improving, the financial fallout—time off work, treatment costs, and long-term recovery—can be devastating.
- The Income Threat: According to the Office for National Statistics (ONS), an estimated 2.8 million people were out of work due to long-term sickness in early 2024. This represents a significant increase over recent years, highlighting the growing risk of illness or injury derailing our ability to earn a living.
- The Stability Question: Without a safety net, an unexpected illness or accident can quickly spiral into a financial crisis. Mortgage payments, rent, utility bills, and food costs don't stop just because your income has. This financial pressure not only hinders recovery but actively prevents any form of personal or professional growth.
True growth—the kind that involves taking creative risks, changing careers, starting a business, or dedicating more time to family and passions—requires mental and emotional bandwidth. If that bandwidth is consumed by worry about "what if," your potential remains locked away. Strategic financial protection is the key that unlocks it. It's the unseen architecture that allows you to build an antifragile life, one where challenges can be met with confidence, not fear.
Your Income: The Engine of Your Life and Why It Needs Protecting
For most of us, our ability to earn an income is our single most valuable asset. It fuels our lifestyle, pays for our home, educates our children, and builds our future. Yet, it's often the most overlooked and under-protected asset we own. We insure our homes, our cars, and even our mobile phones, but what about the engine that pays for it all?
This is where Income Protection insurance becomes not just a sensible choice, but a fundamental component of a secure life.
What is Income Protection?
Income Protection is a long-term insurance policy designed to support you if you're unable to work due to illness or injury. It replaces a significant portion of your income, typically 50-70% of your gross earnings, paying out a regular, tax-free monthly sum until you can return to work, retire, or the policy term ends.
This is fundamentally different from Critical Illness Cover, which pays a one-off lump sum upon diagnosis of a specific condition. Income Protection is designed to cover a broader range of situations—from a back injury or a broken bone to stress, depression, or a major illness like cancer—that prevent you from performing your job.
A Lifeline for the Self-Employed and Tradespeople
While crucial for everyone, Income Protection is an absolute necessity for the self-employed, freelancers, and those in physically demanding jobs. If you're a tradesperson like an electrician, plumber, or builder, a nurse on their feet all day, or a freelance consultant, you have no access to generous employer sick pay schemes. You are your own safety net.
The state provision, Statutory Sick Pay (SSP), is minimal—currently £116.75 per week as of 2024/25, and it only lasts for 28 weeks. This is rarely enough to cover even basic living costs.
Let's look at a real-world example:
Case Study: Mark, the Self-Employed Electrician Mark, 42, runs a successful electrical contracting business. He falls from a ladder on a job, fracturing his wrist and sustaining a back injury. Doctors tell him he'll be unable to work for at least six months. Without an income, the mortgage payments, van lease, and family bills quickly become unmanageable. The stress impedes his recovery.
Fortunately, Mark had an Income Protection policy. After his chosen 4-week 'deferment period', the policy began paying him £2,500 a month—directly into his bank account. This financial stability allowed him to focus entirely on his physiotherapy and recovery, without the crippling anxiety of mounting debt. He returned to work seven months later, his business and family finances intact.
Understanding Your Options: Income Protection vs. Personal Sick Pay
For those in riskier trades or who need a more budget-friendly option, Personal Sick Pay policies can be an excellent alternative. They are typically shorter-term versions of Income Protection.
Here's a simple comparison:
| Feature | Statutory Sick Pay (SSP) | Personal Sick Pay (Short-Term IP) | Full Income Protection (Long-Term IP) |
|---|---|---|---|
| Payout Duration | Up to 28 weeks | Typically 1, 2, or 5 years per claim | Until you recover, retire, or the policy ends |
| Typical Payout | £116.75 per week (fixed) | Percentage of your income | Percentage of your income |
| Conditions Covered | Any illness/injury stopping work | Any illness/injury stopping work | Any illness/injury stopping work |
| Best For | Basic, legally required support | The self-employed, manual workers | Comprehensive, long-term security for all |
By tailoring the deferment period (the time between when you stop working and when the policy starts paying out), you can manage the cost of your premiums. A longer deferment period, such as 13 or 26 weeks, will result in a lower monthly cost.
For Business Leaders: Fortifying Your Enterprise, Freeing Your Mind
If you are a company director or business owner, your personal financial health is intrinsically linked to the health of your business. An unexpected event affecting you or a key member of your team can jeopardise everything you've worked to build. Business protection insurance isn't an expense; it's a strategic investment in continuity and stability.
Key Person Insurance: Protecting Your Most Valuable Assets
Who in your business is indispensable? Is it the sales director who holds all the major client relationships? The technical lead with unique intellectual property? Or is it you? A Key Person Insurance policy is taken out by the business to protect itself against the financial loss it would suffer if a crucial team member were to die or be diagnosed with a specified critical illness.
The policy pays a lump sum to the business, which can then be used to:
- Recruit and train a suitable replacement.
- Cover lost profits during the transition period.
- Reassure lenders, investors, and suppliers that the business can continue operations.
- Clear business loans or debts that the key person may have guaranteed.
By having this in place, you remove a significant source of risk and stress, allowing you to focus on growth and innovation, knowing the business has a buffer against the unexpected.
Executive Income Protection: A Powerful Benefit for You and Your Team
As a director, you can implement an Executive Income Protection plan through your limited company. This works just like a personal policy, providing a replacement income if illness or injury strikes. However, it offers significant advantages:
- Tax Efficiency: The premiums are paid by the business and are typically treated as an allowable business expense, reducing your corporation tax bill.
- Attraction & Retention: Offering this level of protection is a highly attractive benefit for retaining top executive talent.
- Comprehensive Cover: It ensures that your most senior (and often most expensive) people are protected, safeguarding both their wellbeing and the company's financial stability.
By putting these protections in place, you create an antifragile business structure. This stability at the corporate level translates directly into peace of mind at the personal level, freeing you from the fear that a personal health crisis could sink your professional life's work.
Tackling Life's Biggest Hurdles: Critical Illness & Swift Healthcare Access
While Income Protection shields your monthly earnings, some life events create an immediate and substantial financial shock. A serious diagnosis requires more than just income replacement; it requires a significant capital injection to manage treatment, adapt your life, and reduce stress. This is where Critical Illness Cover and Private Health Insurance form a powerful partnership.
Critical Illness Cover: Financial Breathing Room When You Need It Most
Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with one of a list of predefined serious conditions. The 'big three' covered by almost all policies are:
- Cancer (of a specified severity)
- Heart Attack
- Stroke
Most comprehensive policies today cover 50+ conditions, including things like multiple sclerosis, major organ transplant, and Parkinson's disease.
The financial impact of a serious illness extends far beyond a loss of earnings. According to research from Macmillan Cancer Support, four in five people with cancer are, on average, £891 a month worse off as a result of their diagnosis. The lump sum from a Critical Illness policy provides complete flexibility to use the money where it's needed most:
- Clear your mortgage or other major debts, removing a huge financial burden.
- Pay for private treatment or specialist consultations not available on the NHS.
- Adapt your home (e.g., install a ramp or a stairlift).
- Fund a recuperative holiday with your family.
- Replace a partner's income so they can take time off to care for you.
This financial freedom is transformative. It allows you to focus 100% of your energy on what truly matters: your health and your recovery.
Private Health Insurance (PHI): Taking Control of Your Healthcare Journey
In an ideal world, healthcare would be instant and seamless. In reality, NHS waiting lists are a significant source of anxiety and prolonged suffering. As of 2025, millions of people in England are on waiting lists for consultant-led hospital treatment. For many conditions, waiting is not just uncomfortable; it can lead to a worsening of the condition and a more difficult recovery.
Private Health Insurance (also known as Private Medical Insurance or PMI) is your key to bypassing these queues.
| Feature | NHS | Private Health Insurance (PHI) |
|---|---|---|
| Waiting Times | Can be many months for diagnosis and treatment | Typically days or weeks |
| Choice | Limited choice of hospital or specialist | High degree of choice over who and where you are treated |
| Facilities | Often on a busy, shared ward | Private room, en-suite facilities, flexible visiting hours |
| New Treatments | Access can be restricted by NICE guidelines/funding | Often faster access to new drugs and therapies |
PHI gives you control. Control over when you are seen, who you are seen by, and where you are treated. This speed and choice are not just a luxury; they are critical for a swift recovery. Getting a diagnosis in a week versus six months, or having surgery next month versus next year, is the difference between a temporary disruption and a life-altering ordeal.
Navigating the complexities of Critical Illness and Private Health Insurance can be daunting. At WeCovr, we help you compare policies from leading UK insurers to find a plan that provides the right level of cover for your specific needs and budget, ensuring you have peace of mind when it matters most.
Securing Your Legacy: An Act of Ultimate Care
Building an antifragile life isn't just about protecting yourself in the here and now; it's also about ensuring the people you love are secure long after you're gone. Thoughtful life insurance and estate planning transform this process from a source of anxiety into a final, powerful act of love and provision.
Life Protection: The Foundational Safety Net
The most common form of life insurance is Term Life Assurance. It’s simple, affordable, and incredibly effective. You choose a lump sum amount and a policy term (e.g., £250,000 over 25 years to match your mortgage). If you pass away within that term, the policy pays out the tax-free sum to your beneficiaries.
This money provides an instant financial shield for your family, allowing them to:
- Pay off the mortgage, ensuring they can stay in the family home.
- Clear outstanding debts and funeral costs.
- Create a fund for your children's future education.
- Replace your lost income for a period of time, giving them space to grieve without financial panic.
Family Income Benefit: A Smarter Way to Protect
While a large lump sum is right for some, it can be difficult to manage. How much should be invested? How much can be drawn down each month?
Family Income Benefit offers an intelligent alternative. Instead of a single payout, it 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.
Example: You have two children, aged 3 and 5. You take out a Family Income Benefit policy set to run for 20 years, paying out £2,000 a month. If you were to pass away 5 years into the policy, your family would receive £2,000 every month for the remaining 15 years, helping them manage day-to-day costs until your children are grown.
This structure perfectly mirrors a lost salary and makes budgeting simple and stress-free for your surviving partner. Because the total potential payout decreases over time, premiums for Family Income Benefit are often significantly lower than for an equivalent lump sum policy.
Gift Inter Vivos: The Art of Giving Generously
For those with larger estates, Inheritance Tax (IHT) can be a major concern. When you give a large financial gift to a loved one (a 'Potentially Exempt Transfer'), it is only fully exempt from IHT if you survive for seven years after making the gift. If you pass away within that seven-year window, the gift becomes part of your estate and could be subject to a tax of up to 40%.
This is where Gift Inter Vivos insurance comes in. It's a specialised form of decreasing life insurance designed to cover this tapering IHT liability. The policy's cover amount reduces over the seven years, mirroring the decreasing tax bill. This clever tool allows you to be generous during your lifetime, perhaps helping a child onto the property ladder, with the confidence that they won't be hit with an unexpected tax bill if the worst should happen.
Planning your legacy is a profound act of care. We can guide you through options like Family Income Benefit and Gift Inter Vivos plans, ensuring your financial strategy aligns perfectly with your long-term family goals. As a WeCovr customer, you also get complimentary access to CalorieHero, our AI-powered wellness app, because we believe that proactive health management is a key part of building a resilient life.
The Antifragile Lifestyle: Where Security Fuels Growth
With a robust financial safety net in place, a remarkable shift occurs. The mental energy previously spent on 'what if' scenarios is liberated. You are now free to build a truly antifragile life—one where you can not only withstand shocks but actively thrive.
Pursue Your Passions: That business idea you've been sketching out? The career change you've been dreaming of? With an Income Protection policy as your backstop, these calculated risks become far less daunting. You have the security to step outside your comfort zone, knowing that a period of lower income or a health setback won't lead to financial ruin.
Cultivate Richer Relationships: Financial stress is a leading cause of friction in families. By removing this pressure, you create a more stable and loving home environment. You can be more present with your partner and children, knowing their future is secure.
Invest in Your Wellbeing: True wellness is about more than just avoiding illness. With financial security, you can proactively invest in your health.
- Better Nutrition: You can afford to prioritise fresh, high-quality food, rather than opting for cheaper, less healthy choices out of necessity.
- Restorative Sleep: Financial anxiety is a notorious sleep thief. A quiet mind, free from worry about bills and debt, is conducive to the deep, restorative sleep that is essential for physical and mental health.
- Enriching Activities: You have the freedom to travel, take up new hobbies, and spend time in nature—all activities proven to reduce stress, boost creativity, and improve overall life satisfaction.
This is the ultimate goal: to move from a mindset of scarcity and survival to one of abundance and growth. Your insurance portfolio is not a bill to be paid; it is the silent, powerful engine enabling this transformation.
Charting Your Course: Building Your Personal Antifragile Strategy
Creating your financial foundation is a deeply personal process. There is no one-size-fits-all solution. However, the path to security follows a clear, logical sequence.
Step 1: Assess Your Foundations Take an honest look at your life. What and who depends on you?
- Debts: What is your outstanding mortgage? Do you have car loans or credit card debt?
- Dependants: Do you have a partner or children who rely on your income? How old are they?
- Income: What is your monthly income? How stable is it?
- Risks: Does your job carry a higher risk of injury? Is there a history of specific illnesses in your family?
Step 2: Identify Your Pillars of Protection Based on your assessment, prioritise the types of cover that are most critical for your specific situation.
- Young, Single, Renting: Income Protection is paramount. Your ability to earn is your biggest asset.
- Family with a Mortgage: Life Insurance and Critical Illness Cover are essential to protect your home and your family's lifestyle. Family Income Benefit is a strong consideration.
- Self-Employed Tradesperson: Robust Income Protection or Personal Sick Pay is non-negotiable.
- Company Director: A combination of personal cover and business protection (Key Person, Executive IP) is vital.
- Approaching Retirement with Assets: You may want to consider estate planning tools like Gift Inter Vivos insurance.
Step 3: Seek Expert, Independent Guidance The world of insurance is complex, with hundreds of products and providers. Attempting to navigate it alone can lead to choosing the wrong policy or paying too much. An independent broker's role is to work for you, not the insurance company.
Building your antifragile strategy doesn't have to be a solo journey. The team at WeCovr specialises in creating bespoke protection portfolios, analysing your unique circumstances to recommend the most suitable and cost-effective solutions from across the entire UK market. We demystify the jargon and empower you to make confident decisions.
This is the real secret to growth. It isn't found in a single self-help book or a trendy wellness hack. It's built, brick by brick, on a foundation of unshakeable security. By taking proactive steps to protect your income, your health, your family, and your business, you give yourself the greatest gift of all: the freedom to pursue your highest potential and live a truly empowered, antifragile life.
Is Income Protection worth it if I have savings?
What's the difference between Critical Illness Cover and Income Protection?
- Critical Illness Cover pays a one-off, tax-free lump sum upon the diagnosis of a specific, serious condition listed in the policy. It's designed to handle the large, immediate financial shock of a major illness.
- Income Protection pays a regular, tax-free monthly income if any illness or injury prevents you from working. It's designed to replace your lost salary and cover ongoing living costs over a longer period.
I'm young and healthy, do I really need this insurance?
How much cover do I actually need?
As a company director, which insurance is most important for my business?
- Key Person Insurance protects the business itself from the financial fallout of losing an indispensable member of the team.
- Executive Income Protection protects the director or senior employee by providing them with an income if they are unable to work, with the premiums being a tax-efficient business expense.
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!