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Income Protection for Amateur Sports Are You Covered for Injury

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 18, 2026
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TL;DR

The roar of the crowd, the thrill of the chase, the camaraderie of the team—for millions across the UK, amateur sport is a vital part of life. Whether it’s a crunching tackle in a Sunday League football match, a hard-fought scrum in a local rugby game, or a fast-paced rally on the netball court, the passion is real. But so are the risks.

Key takeaways

  • What it is: A minimum payment from your employer.
  • Illustrative estimate: How much is it? £116.75 per week (2025/26 rate).
  • How long does it last? For up to 28 weeks.
  • The Catch (illustrative): This equates to just over £500 a month. Could your household survive on that? For the vast majority, the answer is a resounding no.
  • Cover Amount: You choose to cover a percentage of your gross (pre-tax) income, typically up to 60-65%. This ensures you have a real incentive to return to work when you are able.

The roar of the crowd, the thrill of the chase, the camaraderie of the team—for millions across the UK, amateur sport is a vital part of life. Whether it’s a crunching tackle in a Sunday League football match, a hard-fought scrum in a local rugby game, or a fast-paced rally on the netball court, the passion is real. But so are the risks.

A snapped ACL, a fractured tibia, or a dislocated shoulder can do more than just put you on the sidelines. It can put your entire financial life on pause. Many athletes are shocked to discover that the very activities they love can leave them financially exposed, with standard sick pay arrangements offering little to no protection.

This guide is for every amateur athlete who has ever wondered, "What would happen if I got seriously injured?" We will explore why your employer’s sick pay might not cover you, and we’ll break down the specialist insurance products designed to provide a financial safety net, such as Fracture Cover and Short-Term Income Protection.

Why Sunday League football and Rugby injuries aren’t covered by standard sick pay. A guide to Fracture Cover and short-term income protection

The unfortunate reality for many amateur sports players is that their financial backup plan is far less robust than they believe. A common assumption is that if an injury happens, whether at work or on the pitch, employer sick pay or Statutory Sick Pay (SSP) will cover the bills. This is a dangerous misconception.

Many employment contracts contain a "hazardous pursuits" or "dangerous activities" clause. This small print can have huge consequences. It often gives your employer the right to withhold company sick pay if you are injured while participating in activities they deem high-risk, which frequently includes contact sports like football and rugby.

Suddenly, a weekend passion could lead to you being left with only the bare minimum of state support—Statutory Sick Pay. In 2025/2026, SSP provides just £116.75 per week for a maximum of 28 weeks. For most working people, this is simply not enough to cover mortgage payments, rent, bills, and everyday living costs. (illustrative estimate)

This is where specialist protection comes in. Insurers have developed targeted solutions like Short-Term Income Protection and Fracture Cover precisely to fill this gap, ensuring that a passion for sport doesn't lead to financial hardship.

The Harsh Reality: What Happens When a Sports Injury Stops You Working?

Let's break down the financial chain reaction that follows a serious sports injury. It’s crucial to understand the limitations of the standard safety nets.

1. Statutory Sick Pay (SSP): The UK's Basic Safety Net

Every eligible employee in the UK is entitled to SSP if they are too ill to work.

  • What it is: A minimum payment from your employer.
  • Illustrative estimate: How much is it? £116.75 per week (2025/26 rate).
  • How long does it last? For up to 28 weeks.
  • The Catch (illustrative): This equates to just over £500 a month. Could your household survive on that? For the vast majority, the answer is a resounding no.

2. Employer (Contractual) Sick Pay: The Hidden Exclusions

Many people are fortunate to work for companies that offer more generous sick pay schemes, often paying your full salary for a set number of weeks or months. However, this is where the danger lies for amateur athletes.

The "Hazardous Pursuits" Clause: Buried in the terms and conditions of many employment contracts is a clause that allows the company to revert to paying only SSP if your absence is due to an injury sustained during a "hazardous" activity.

Activities Often Classed as Hazardous
Rugby (Union and League)
Football (especially 11-a-side)
Martial Arts & Boxing
Rock Climbing & Mountaineering
Skiing & Snowboarding (especially off-piste)
Equestrian sports
Motorsports

If your employer invokes this clause, your full-pay sick pay benefit vanishes, leaving you with only SSP.

3. The Self-Employed Crisis: No Work, No Pay

For freelancers, contractors, and business owners, the situation is even more stark. There is no employer to provide sick pay, and while you may be eligible for Employment and Support Allowance (ESA) after SSP runs out, the application process is long and the benefit levels are low.

For the self-employed, a sports injury doesn't just mean a loss of income; it can mean risking client relationships, missing deadlines, and potentially damaging your business's reputation.

Real-Life Scenario: Dave, the Electrician

Dave is a 35-year-old self-employed electrician and a keen amateur rugby player. During a Saturday match, he suffers a complete tear of his Achilles tendon. His recovery requires surgery and at least six months of non-weight-bearing rehabilitation.

  • His Income: Immediately drops to zero.
  • His Outgoings: His mortgage, van lease, tool finance, and family living costs continue.
  • His Problem: With no employer sick pay and savings that will only last a couple of months, Dave faces immense financial pressure. He can't work, but the bills don't stop.

This scenario highlights the critical need for a personal financial safety net, entirely independent of any employer or state provision.

Your Financial First Line of Defence: Short-Term Income Protection (STIP)

If the risk is a temporary loss of income, the most direct and effective solution is a policy designed to replace that income. Short-Term Income Protection (often called STIP or Personal Sick Pay) is a powerful and affordable tool for amateur athletes.

What is Short-Term Income Protection? Short-Term Income Protection is a type of insurance policy that pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury.

It is designed to be a more accessible and budget-friendly alternative to full-term income protection, which can cover you until retirement.

How Does STIP Work?

Understanding the key features is simple:

  1. Cover Amount: You choose to cover a percentage of your gross (pre-tax) income, typically up to 60-65%. This ensures you have a real incentive to return to work when you are able.
  2. Deferred Period: This is the waiting period between when you first stop working and when the policy starts paying out. You can choose a deferred period to match your specific needs, such as 4, 8, 13, 26, or 52 weeks. The longer the deferred period, the lower your monthly premium.
  3. Benefit Period: This is the maximum length of time the policy will pay out for a single claim. For STIP, this is typically 1, 2, or 5 years. This is usually more than enough to cover recovery from most common sports injuries.
  4. Tax-Free Payouts: The monthly income you receive is paid tax-free under current UK rules, giving you a clear, reliable sum to manage your household budget.
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STIP vs. Full Income Protection: What's the Difference?

Both are excellent products, but they serve slightly different needs. STIP is often the perfect starting point for active people on a budget.

FeatureShort-Term Income Protection (STIP)Full Income Protection
Benefit PeriodPays out for a fixed term per claim (e.g., 1, 2, or 5 years).Can pay out until your chosen retirement age (e.g., 68).
CostMore affordable and budget-friendly.More expensive, as it provides a much longer potential safety net.
Best ForCovering income loss from common illnesses and injuries like fractures, musculoskeletal issues, and stress. Ideal for amateur athletes.Providing comprehensive protection against long-term or catastrophic conditions that could permanently end your career (e.g., MS, severe stroke).
UnderwritingCan sometimes be simpler and quicker.More detailed, especially for higher cover amounts.

At WeCovr, we help our clients analyse their budget, employer benefits, and personal risks to decide which level of cover is right for them. For many, a robust STIP policy is the most logical and affordable first step in protecting their income.

An Instant Payout for Breaks and Tears: Understanding Fracture Cover

While Income Protection replaces your monthly salary, Fracture Cover works differently. It's designed to provide an immediate financial boost the moment an injury occurs.

What is Fracture Cover? Fracture Cover is a type of insurance that pays a one-off, tax-free lump sum if you suffer a specified fracture, dislocation, or ligament tear. It is often available as an affordable add-on to a Life Insurance or Income Protection policy, but some insurers offer it as a standalone product.

How Does Fracture Cover Work?

The beauty of Fracture Cover lies in its simplicity.

  • Lump-Sum Payout: It pays a cash sum directly to you.
  • Severity-Based: The amount you receive depends on the specific injury. A fracture to a major bone like a femur will pay a larger sum than a fractured finger.
  • No Work Sign-Off Needed: Crucially, Fracture Cover pays out on diagnosis of the specified injury, regardless of whether you need to take time off work.

This means you can use the money for anything you need:

  • To cover immediate costs like taxis to hospital appointments.
  • To pay for private physiotherapy to speed up recovery.
  • To hire help around the house if your mobility is limited.
  • To bridge the financial gap during the "deferred period" of your Income Protection policy.

Typical Payouts for Fracture Cover

Payouts vary between insurers, but a typical schedule might look like this:

Injury TypeExample Payout
Hip or Femur Fracture£6,000
Skull Fracture£6,000
Achilles Tendon (Complete Rupture)£3,500
Ankle or Lower Leg Fracture£3,000
Dislocated Shoulder£2,000
Wrist (Colles') Fracture£1,500
Major Ligament Tear (e.g., ACL)£1,250

Note: These are illustrative figures. The actual amounts are set out in the policy's terms and conditions.

Real-Life Scenario: Chloe, the Marketing Manager

Chloe, 28, plays in a competitive netball league. She has an office job with a 4-week full-pay sick pay policy, after which it drops to SSP. She has a Short-Term Income Protection policy with an 8-week deferred period. She also added Fracture Cover for an extra £5 per month. (illustrative estimate)

During a match, she lands awkwardly and suffers a severe ankle fracture and ligament damage.

  1. Immediate Payout: Her Fracture Cover pays out a £3,000 lump sum within days of her providing the hospital report. She uses this for physiotherapy and to cover her car finance for the first two months. (illustrative estimate)
  2. Employer Sick Pay: For the first 4 weeks, she receives her full salary from her employer.
  3. The Gap: For weeks 5-8, her employer pay drops to SSP. The money from her Fracture Cover comfortably tides her over.
  4. Income Protection Kicks In: At week 9, her STIP policy starts paying her a tax-free monthly income, replacing the majority of her lost salary until she is fit to return to work.

Chloe's story shows how these two types of cover work together perfectly to create a seamless financial safety net.

How Insurers View Amateur Sports: Underwriting and Your Application

When you apply for any form of protection insurance, the insurer carries out a process called underwriting. This is how they assess your individual risk and calculate your premium. Your sporting activities are a key part of this.

Be Honest and Upfront

The golden rule of any insurance application is to be completely honest. Failing to disclose that you play rugby twice a week could lead to your policy being voided and any future claim being rejected. This is known as "non-disclosure".

Insurers will ask specific questions about your hobbies and pastimes:

  • What is the sport or activity? (e.g., Football, Rugby, Martial Arts)
  • At what level do you participate? (e.g., Amateur/recreational, Semi-professional)
  • How frequently do you play/train? (e.g., Once a week, three times a week)

Will My Sport Increase My Premiums?

For many common sports like football, netball, or running, played at a purely amateur level, there is often no impact on your premiums at all.

However, for sports that carry a statistically higher risk of injury, insurers may take one of three actions:

  1. Standard Rates: They may be happy to offer you cover on their normal terms.
  2. A Premium Loading: They might increase your monthly premium by a certain percentage (e.g., +25% or +50%) to reflect the increased risk.
  3. An Exclusion: They might offer you the policy at the standard price but place an exclusion on claims arising from that specific sport. For example, your policy would cover you for illness or an injury at home, but not for an injury sustained while playing rugby.

Adviser Insight: An exclusion might sound bad, but it can still be valuable. A policy that covers you for 99% of life's potential risks—illness, accidents at home, injuries from other activities—is far better than having no cover at all. The key is to have a specialist adviser review the terms and find the insurer with the most favourable stance on your specific sport.

Special Considerations for the Self-Employed and Company Directors

While the risks of a sports injury are universal, the best solutions can differ depending on your employment status.

For the Self-Employed, Freelancers, and Contractors

As we've established, the "no work, no pay" reality makes income protection essential.

  • Personal Sick Pay: This is simply another name for Short-Term Income Protection, marketed towards the self-employed. It works in exactly the same way.
  • Defining Your Income: When applying, insurers will assess your income based on your pre-tax profits (for sole traders) or salary and dividends (for limited company directors). It's crucial to have clear, up-to-date accounts. An adviser can help you calculate the maximum cover you're eligible for.
  • Flexibility is Key: Your income may fluctuate. Some modern policies offer features that allow you to adjust your cover level as your business grows.

For Company Directors

Company directors have access to a particularly tax-efficient way of arranging cover: Executive Income Protection.

What is Executive Income Protection? This is an income protection policy that is owned and paid for by your limited company. It covers the director's income, but the business pays the premiums.

Key Advantages:

  1. Tax Efficiency: The monthly premiums are typically classed as a legitimate business expense, meaning they can be offset against the company's corporation tax bill.
  2. No P11D Benefit-in-Kind: Unlike a company car or private medical insurance, HMRC does not usually treat Executive IP as a taxable perk for the director.
  3. High Cover Levels: These plans can often cover a higher percentage of remuneration, typically up to 80% of salary and dividends.
  4. Business Protection: The policy pays the benefit to the company, which then uses the funds to continue paying the director's salary through PAYE. This keeps the director on the payroll and financially secure.

For any company director who plays amateur sport, an Executive Income Protection policy is one of the most effective and tax-savvy ways to secure their personal income. As part of our service, WeCovr provides specialist advice to business owners on structuring these policies correctly.

Making a Claim: A Step-by-Step Guide

The thought of claiming on insurance can be daunting, especially when you're already dealing with the stress of an injury. But the process is usually straightforward.

  1. The Injury: The first priority is your health. Seek medical attention immediately.
  2. Get Medical Evidence: The insurer will need proof of your injury and your inability to work. This will come from your GP, hospital reports, or a specialist consultant.
  3. Contact Your Insurer (or Broker): As soon as it's practical, inform your insurance provider that you need to make a claim. If you used a broker like us, your first call should be to your adviser. We handle the paperwork and liaise with the insurer on your behalf, taking the stress away from you.
  4. Complete the Forms: You will need to fill out a claim form, providing details about your injury, your occupation, and your income.
  5. Assessment: The insurer's claims team will review your form and the medical evidence. They may contact your doctor for more information (with your permission).
  6. The Deferred Period: Your chosen waiting period now begins. During this time, you'll rely on savings, employer sick pay, or a Fracture Cover payout.
  7. Payments Commence: Once the deferred period is over, the insurer will begin making the regular monthly payments directly into your bank account. These will continue until you are fit to return to work, or until the policy's benefit period ends.

Proactive Health and Financial Wellness: While insurance provides a reactive financial solution, we believe in a proactive approach to well-being. This is why all WeCovr clients receive complimentary access to CalorieHero, our advanced AI-powered nutrition and fitness tracking app. Staying in peak physical condition can reduce the risk of injury and aid recovery, forming part of a holistic plan for your long-term health and financial security.

Getting the Right Advice: Why a Specialist Broker Makes a Difference

You could go directly to an insurer, but for a topic as nuanced as protection for sports, using a specialist independent broker is invaluable.

  • Whole-of-Market Access: A broker isn't tied to one company. We can compare policies from all the major UK insurers to find the best terms and prices for your specific sport and occupation.
  • Underwriting Expertise: We know which insurers take a more lenient view of rugby players, which ones have the best fracture cover benefits, and which ones are most competitive for the self-employed. This inside knowledge can be the difference between getting cover and being declined.
  • Application Support: We help you complete the application accurately, ensuring you disclose everything correctly to prevent any issues at the claim stage.
  • No Extra Cost: Brokers are paid a commission by the insurer when a policy is set up. This means you get expert, impartial advice and support without paying us a fee. The price is the same as, or often cheaper than, going direct.
  • Claims Advocacy: This is where a good broker truly earns their keep. If you need to make a claim, we are in your corner, managing the process and fighting your case to ensure you get the payout you are entitled to.

Protecting your income is one of the most important financial decisions you will ever make. It's too important to leave to guesswork.

Do I have to tell an insurer that I play amateur football?

Yes, absolutely. You must disclose all your hobbies and sporting activities, including the sport, the level you play at, and how often. Failing to provide this information is known as 'non-disclosure' and could give the insurer grounds to cancel your policy and refuse a claim, even if the claim is unrelated to your sport. Honesty is always the best policy.

Will Fracture Cover pay out if I don't need time off work?

Yes. This is a key feature of Fracture Cover. It pays a specified lump sum based on the diagnosis of a listed fracture, dislocation, or ligament tear. The payout is not dependent on your inability to work. This means you could break your wrist, receive a lump sum of £1,500, and still be able to do your office job, using the money for physiotherapy or other expenses.

Is the monthly payout from an Income Protection policy taxed?

For personal policies (Short-Term and Full Income Protection) that you pay for yourself from your post-tax income, the monthly benefit you receive during a claim is paid completely free of UK income tax. For Executive Income Protection policies paid for by a business, the benefit is paid to the company and then distributed to the individual via PAYE, meaning it is subject to income tax and National Insurance as usual.

What's the difference between Short-Term and Full Income Protection?

The main difference is the 'benefit period'—the maximum time a policy will pay out for a single claim. Short-Term Income Protection (STIP) has a limited benefit period, typically 1, 2, or 5 years. Full Income Protection has a long-term benefit period that can last right up until your chosen retirement age. STIP is therefore more affordable and ideal for covering recovery from common injuries and illnesses, while full cover protects against catastrophic, career-ending conditions.

Secure Your Passion, Protect Your Paycheque

Your dedication to your sport deserves to be celebrated, not penalised. The risk of injury is real, but the financial consequences don't have to be devastating. With affordable, accessible products like Short-Term Income Protection and Fracture Cover, you can ensure that an injury on the pitch doesn't result in an own goal for your finances.

Don't wait until you're on the sidelines to think about your financial health. Take the first step today.

Contact the friendly, expert team at WeCovr. We'll help you compare quotes from across the UK market, explain your options in plain English, and build a protection plan that lets you play the sport you love with true peace of mind.

Sources

  • Office for National Statistics (ONS): Mortality and population data.
  • Association of British Insurers (ABI): Life and protection market publications.
  • MoneyHelper (MaPS): Consumer guidance on life insurance.
  • NHS: Health information and screening guidance.

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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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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!

There is no need to wait until the renewal of your current policy.
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 experienced 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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Any questions?

Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.

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