Best Life Insurance for High Earners UK
As a high earner in the UK, your financial landscape is more complex than most. You've worked hard to build a significant income, accumulate assets, and provide an exceptional lifestyle for your family. But with greater success comes greater responsibility—and more to protect.
Standard, off-the-shelf life insurance policies often fall short of meeting the sophisticated needs of professionals, entrepreneurs, and company directors. Your requirements extend beyond simply covering the mortgage; they involve intricate considerations like inheritance tax planning, business continuity, and preserving a substantial legacy for future generations.
This guide is designed to be your definitive resource for navigating the world of premium life insurance in the UK. We'll explore the tailored strategies, specialist products, and crucial details that high-net-worth individuals must consider to ensure their financial security is as robust as their ambition.
Premium life cover for professionals with higher incomes
For professionals earning a significant income—whether you're a surgeon, a barrister, a tech entrepreneur, or a company director—your financial protection strategy needs to be in a different league. The term "high earner" typically applies to those in the higher rate (40%) or additional rate (45%) income tax brackets, but it's more about the scale of your financial commitments than a specific number.
Your needs are unique for several key reasons:
- Larger Financial Footprint: Your mortgage is likely to be substantial, you may have second properties, and your family's monthly outgoings are higher. A standard policy might not even scratch the surface.
- Complex Income Streams: Your remuneration might be a mix of salary, bonuses, commissions, and dividends. This complexity needs to be accurately reflected in your cover, especially for income protection.
- Future Aspirations: You may be funding private education for your children, planning for a comfortable retirement for your partner, or building a portfolio of investments. These long-term goals need to be ring-fenced.
- Inheritance Tax (IHT) Liability: With assets likely exceeding the standard nil-rate band, a significant portion of your estate could be lost to taxation without careful planning. A life insurance payout can inadvertently worsen this problem if not structured correctly.
- Business Interests: If you own a business or are a key director, your personal and business finances are intertwined. Your death or serious illness could have a catastrophic impact on the company, your employees, and your business partners.
Therefore, the "best" life insurance for a high earner isn't a single product. It's a bespoke portfolio of protection policies, meticulously crafted to create a comprehensive financial safety net. It’s about wealth preservation, not just debt clearance.
Understanding Your Unique Financial Landscape
Before you can build the right protection strategy, you must first quantify what you're protecting. This involves a detailed audit of your assets, liabilities, income, and future expenses. Insurers will require this for financial underwriting on large policies, so it's a vital first step.
How to Calculate Your Required Level of Cover
Think of this as a financial stress test. What would happen if your income stopped tomorrow?
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Clear Your Debts:
- Mortgage: List the outstanding balance on your primary residence and any other properties.
- Other Loans: Include car finance, personal loans, business loans you've personally guaranteed, and credit card debt.
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Provide for Your Dependents:
- Lifestyle Maintenance: Calculate your family's annual living costs (food, utilities, transport, holidays, etc.). Multiply this by the number of years you want to provide for them. For example, £100,000 per year for 20 years is £2,000,000.
- Education Costs: The cost of private schooling is a significant factor for many high earners. According to the Independent Schools Council's 2024 census, the average termly fee for a day school is now over £5,500. For two children from age 8 to 18, this could easily exceed £500,000 in total.
- Childcare: Factor in the costs of nannies or other childcare arrangements.
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Secure Your Legacy:
- Inheritance Tax (IHT): The current IHT nil-rate band is £325,000 per person, with an additional £175,000 residence nil-rate band if you pass your main home to direct descendants. For a couple, this can be up to £1 million. However, for estates worth over £2 million, the residence nil-rate band is tapered away. A 40% tax on assets above these thresholds can be crippling. A life insurance policy can be set up to pay this tax bill.
- Financial Gifts: You may wish to leave a lump sum for your children to use as a house deposit or to start a business.
A Simplified Example
| Financial Need | Calculation | Required Cover |
|---|---|---|
| Mortgage Repayment | Outstanding balance on family home | £850,000 |
| Family Living Costs | £8,000/month (£96k/year) for 25 years | £2,400,000 |
| Private School Fees | 2 children, 10 years of fees remaining | £500,000 |
| Future University Costs | 2 children, 4 years each | £200,000 |
| Estimated IHT Liability | 40% on portion of estate over threshold | £450,000 |
| Total Estimated Need | £4,400,000 |
This example demonstrates how quickly the required sum assured can run into the millions. It's a daunting figure, but it illustrates the importance of a thorough and realistic assessment.
Core Life Insurance Options for High Earners
Once you have your number, you can start exploring the products to meet that need. Often, a combination of policies is the most cost-effective solution.
| Policy Type | How It Works | Best For High Earners... |
|---|---|---|
| Level Term Assurance | Pays a fixed lump sum if you die within a set term. | Covering large, non-decreasing debts (like an interest-only mortgage) or providing a specific capital sum for your family. |
| Family Income Benefit | Pays a regular, tax-free monthly or annual income for the remainder of the policy term if you die. | Replacing your lost salary to cover ongoing family expenses in a manageable way, preventing a beneficiary from having to manage a large lump sum. |
| Whole of Life Assurance | A guaranteed payout whenever you die, as long as you maintain premiums. | Guaranteed IHT planning, leaving a defined legacy, or covering funeral costs. Premiums are much higher than term insurance. |
| Decreasing Term Assurance | The payout amount reduces over time, typically in line with a repayment mortgage. | Primarily for covering a repayment mortgage. It's often insufficient as the sole policy for a high earner's broader needs. |
A common strategy is to "stack" or "blend" policies. For example, you might use:
- A Decreasing Term policy to cover the capital and interest mortgage.
- A Family Income Benefit policy to replace your net monthly income until your children are financially independent.
- A large Level Term policy to provide a capital sum for your partner's retirement or other long-term goals.
- A Whole of Life policy written in trust specifically to pay the future IHT bill.
This layered approach ensures each specific need is met efficiently, often at a lower overall cost than one single, massive policy.
Beyond the Basics: Advanced Protection Strategies
For high-net-worth individuals, the structure of your policy is just as important as the sum assured. Getting this wrong can have significant financial consequences for your loved ones.
Writing Life Insurance in Trust: The Non-Negotiable Step
This is arguably the most critical piece of advice for any high earner. A trust is a simple legal arrangement that separates the legal ownership of the policy from the beneficial ownership. When you place your life insurance policy into a trust, it is no longer legally part of your estate.
The benefits are transformative:
- Avoids Inheritance Tax: A £2 million life insurance payout could create an £800,000 IHT bill (at 40%) if it's paid into your estate. By placing it in trust, the entire payout typically goes to your beneficiaries tax-free.
- Bypasses Probate: Probate is the legal process of administering a deceased person's estate, which can take many months, or even years for complex estates. A policy in trust pays out directly to the beneficiaries, often within weeks of the death certificate being issued. This provides your family with vital funds when they need them most.
- Maintains Control: You, as the settlor of the trust, appoint trustees (who you trust to act in the beneficiaries' best interests) and specify who the beneficiaries are. This ensures the money goes to the right people at the right time.
Setting up a trust is usually free with the insurer when you take out the policy, yet it is a step that is surprisingly often overlooked.
Critical Illness Cover (CIC): Protecting Your Income-Earning Ability
What if you don't die, but are diagnosed with cancer, a heart attack, or a stroke? Your ability to earn your high income could vanish overnight, while your expenses could increase due to private medical care or home adaptations.
Critical Illness Cover pays a tax-free lump sum upon the diagnosis of a specified serious condition. For a high earner, this money can be used to:
- Clear the mortgage and other debts, reducing financial pressure.
- Replace lost income during a long period of recovery.
- Fund private medical treatments not available on the NHS.
- Pay for lifestyle adjustments, such as making your home wheelchair-accessible.
When choosing a policy, pay close attention to the number of conditions covered and, more importantly, the quality of the definitions. A policy covering 150 conditions might sound better than one covering 60, but if the definitions for core illnesses like cancer and heart attack are weaker, it could be a false economy.
Income Protection (IP): The Foundation of Your Financial Plan
While CIC provides a lump sum for specific events, Income Protection (IP) is designed to replace your monthly income if any illness or injury prevents you from working. It is the bedrock of financial planning for professionals whose lifestyle is entirely dependent on their ability to earn.
Key considerations for high earners:
- 'Own Occupation' Definition: This is crucial. An 'own occupation' policy will pay out if you are unable to perform your specific job. For a surgeon who injures their hand, or a barrister who suffers from a condition affecting their cognitive function, this is vital. A lesser 'any occupation' definition might mean the insurer won't pay if you could, for example, work in a call centre.
- Deferred Period: This is the waiting period before the policy starts paying out. You can align this with your employer's sick pay scheme or your cash reserves. A longer deferred period (e.g., 6 or 12 months) significantly reduces the premium.
- Benefit Amount: You can typically insure up to 60-70% of your gross income. Payouts from a personal plan are tax-free.
- Benefit Period: Always opt for a long-term payment period, which covers you right up to your planned retirement age (e.g., 65 or 70). Short-term plans that only pay out for 1, 2, or 5 years are a false economy.
An expert broker like WeCovr can be invaluable here, helping you navigate the complex definitions and income calculations, especially when dealing with bonuses and dividends, to ensure your cover is watertight.
Specialist Cover for Business Owners, Directors, and the Self-Employed
If you run your own business, your protection needs multiply. You need to protect not only your family but also the business itself, your partners, and your employees. Fortunately, there are highly tax-efficient ways to do this through the business.
Relevant Life Insurance
This is one of the most powerful and often-missed tools for company directors. A Relevant Life Plan is a death-in-service policy for an individual, paid for by their limited company.
- Tax Efficiency: The premiums are generally treated as an allowable business expense, reducing your corporation tax bill. They are not considered a P11D benefit-in-kind, so there is no extra income tax or National Insurance to pay for the director.
- Trust Structure: The policy is automatically written into a discretionary trust, meaning the payout goes directly to the director's family, bypassing both probate and IHT.
- High Cover Levels: Cover can be a significant multiple of your total remuneration (salary, bonuses, and dividends), often up to 25 or 30 times.
It’s effectively personal life insurance funded in the most tax-efficient way possible for a company director.
Key Person Insurance
Who is indispensable to your business? Is it the top salesperson who brings in 60% of the revenue? The technical director with unique intellectual property? A Key Person policy is taken out by the business on the life of this individual.
If that key person dies or becomes critically ill, the policy pays a lump sum to the business. This money can be used to:
- Recruit a replacement.
- Cover the loss of profits during the transition period.
- Reassure lenders and investors.
- Repay a business loan that the key person may have guaranteed.
The premiums are usually a tax-deductible expense for the business if the cover is purely to protect against loss of profit.
Shareholder & Partnership Protection
What happens to your shares in the business if you die? They pass to your beneficiaries as part of your estate. Your family might suddenly become co-owners with your business partners. They may not have the skills or desire to run the company, and your partners may not want them involved.
Shareholder Protection solves this. It involves two key components:
- A legal agreement (a cross-option agreement): This sets out that on the death of a shareholder, their estate must sell the shares to the surviving shareholders, and the surviving shareholders must buy them at a pre-agreed valuation method.
- Life insurance policies: Each shareholder takes out a life insurance policy on the lives of the other shareholders. These policies are written in trust.
If a shareholder dies, the life insurance policy pays out to the surviving shareholders, providing them with the exact funds needed to buy the deceased's shares from their family. This ensures a clean break, business continuity, and a fair price for the bereaved family.
Executive Income Protection
Similar to a Relevant Life Plan, this is a personal Income Protection policy that is paid for by your limited company. The premiums are an allowable business expense, and it's not a benefit-in-kind. The benefit is paid to the company, which then typically distributes it to the director via PAYE. It’s a highly efficient way for a business to provide sickness cover for its most valuable employees and directors.
Navigating the Underwriting Process for High Sums Assured
When you apply for a multi-million-pound policy, insurers will conduct a thorough due diligence process called underwriting. It's their way of assessing the risk you present.
Medical Underwriting
Expect a more detailed process than for a small policy. This will likely involve:
- A General Practitioner's Report (GPR): The insurer will write to your GP for a full copy of your medical records.
- Medical Examination: An insurer-appointed nurse or doctor will visit you at your home or office to conduct a physical exam, including height, weight, blood pressure, and a urine sample.
- Blood Tests: These will screen for conditions like high cholesterol, liver function issues, and diabetes. They will also include a cotinine test to verify your smoking status.
- Full Disclosure: You must be completely honest about your medical history, lifestyle (alcohol, smoking), and any family history of serious illness. Non-disclosure can invalidate your policy.
Financial Underwriting
For a £5 million policy, the insurer needs to see a justification for that level of cover. You'll be asked to provide evidence of your financial standing, such as:
- P60s or tax returns for the last 2-3 years.
- Company accounts if you're a business owner.
- A summary of your assets and liabilities.
- Details of your mortgage and other large loans.
This is not to be intrusive; it's a regulatory requirement to prevent moral hazard and ensure the level of cover is reasonable and proportionate to your financial circumstances.
High-Value Perks and Added Benefits
In the competitive high-net-worth market, insurers do more than just promise a cheque. They bundle their policies with a suite of "value-added" services that you can use from day one, without having to claim. These can be incredibly valuable.
| Benefit Type | Description | Why It's Valuable for High Earners |
|---|---|---|
| Global Treatment | Provides access to a second medical opinion and funds treatment at leading hospitals worldwide for certain conditions. | Peace of mind that you can access the best possible care, wherever it may be, without worrying about the cost. |
| 24/7 Virtual GP | On-demand video consultations with a UK-based GP, often with prescription delivery service. | Invaluable for busy professionals and their families, saving time and providing quick medical advice. |
| Mental Health Support | Access to a set number of counselling or therapy sessions per year for you and your family. | Proactive support for stress, anxiety, and other mental health challenges common in high-pressure roles. |
| Health & Wellness Programmes | Discounts and rewards for staying active, such as reduced gym fees, discounted fitness trackers, and even lower premiums. | Encourages a healthier lifestyle which can lead to long-term wellbeing and lower insurance costs. |
These benefits transform an insurance policy from a passive safety net into an active partner in your health and wellbeing. At WeCovr, we recognise the importance of this holistic approach. That's why, in addition to finding you the best policy, we also provide our clients with complimentary access to CalorieHero, our AI-powered calorie tracking app, to support their health and wellness journey.
Choosing the Right Insurer and Broker
Not all insurers have the appetite or expertise for large, complex cases. Some have specialist high-net-worth teams with dedicated underwriters who understand the nuances of non-standard income and international lifestyles. Others have more rigid, computer-driven processes that are ill-suited to bespoke needs.
This is where an expert independent broker becomes essential.
An experienced broker, like our team at WeCovr, adds value in several ways:
- Whole-of-Market Access: We have relationships with all the major UK insurers, including the specialist providers who excel in the high-net-worth space.
- Application Packaging: We know exactly what underwriters need to see for a multi-million-pound application. We help you prepare your medical and financial evidence to ensure the smoothest possible journey.
- Negotiation: If an insurer proposes a premium loading (an increase) due to a minor health issue or a hazardous hobby, we can negotiate on your behalf, often leveraging counter-offers from other insurers.
- Trust Expertise: We ensure that the crucial step of writing your policy in trust is handled correctly from the outset.
Attempting to navigate this complex market alone can lead to inappropriate cover, delays, or even rejections. Using a specialist broker streamlines the process and ensures you secure the best possible terms.
The Role of Diet, Wellness and Lifestyle in Your Premiums
Insurers are fundamentally risk managers. Your lifestyle choices are a direct indicator of your long-term health risk, and they have a significant impact on the price you pay for cover.
- Smoker vs. Non-Smoker: This is the single biggest rating factor. A smoker can expect to pay double, or even triple, the premium of a non-smoker for the same cover. This includes vaping and other nicotine replacement products. You must typically be nicotine-free for at least 12 months to be classed as a non-smoker.
- Alcohol Consumption: You will be asked about your weekly unit consumption. High levels of consumption can lead to premium loadings or even a request for further medical evidence to check liver function.
- Body Mass Index (BMI): Your height-to-weight ratio is a key metric. A high BMI can lead to increased premiums, as it is linked to a higher risk of conditions like heart disease, stroke, and type 2 diabetes.
- Exercise and Diet: While insurers don't explicitly ask how many vegetables you eat, a healthy lifestyle contributes to better metrics like blood pressure and cholesterol, which are measured during underwriting and directly influence your price.
Following established health guidelines, such as the NHS Eatwell Guide and the UK Chief Medical Officers' recommendation of at least 150 minutes of moderate-intensity activity per week, is not just good for your health—it's good for your wallet when it comes to insurance. Taking proactive steps to improve your health before applying can result in substantial long-term savings.
In conclusion, securing the right life insurance as a high earner is a strategic financial decision, not a simple purchase. It requires a deep understanding of your unique circumstances, a tailored combination of products, and meticulous attention to tax and legal structuring.
By taking a comprehensive view that encompasses personal and business needs, tax efficiency, and advanced policy features, you can build a formidable fortress of financial protection. This ensures that the lifestyle, legacy, and business you have worked so hard to create are preserved for the people and causes you care about most, no matter what the future holds.
Can I get life insurance if I have a pre-existing medical condition?
How much life insurance do I really need as a high earner?
Is life insurance tax-deductible in the UK?
What happens if I stop paying my premiums?
Do I need a medical exam to get life insurance?
How does inheritance tax work with life insurance?
Can a non-UK resident get life insurance in the UK?
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!