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๐Ÿ‘‰ Life and critical illness insurance: WeCovr is a free service helping people find high-quality affordable cover from some of the UK's top insurers




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Why get life, income protection and critical illness insurance?

Questions to ask yourself regarding life insurance

Just ask yourself:
๐Ÿ‘‰ Who would pay your mortgage or rent if you were to pass away?
๐Ÿ‘‰ Who would pay for your familyโ€™s food, clothing, study fees or lifestyle?
๐Ÿ‘‰ Who would provide for the costs of your funeral or clear your debts?
๐Ÿ‘‰ Who would pay for your costs if you're unable to work due to serious illness or disability?

Many UK families donโ€™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.

Some people think that the costs for all these 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. ๐Ÿค”

Benefits offered by life insurance

โ˜๏ธ 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.

โœ… 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.

โœ… 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.

โœ… 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 youโ€™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.

Types of life insurance policies

Common reasons for getting a life insurance policy are to:

โœ… Leave behind an amount of money to keep your family comfortable

โœ… Protect the family home and pay off the mortgage in full or in part

โœ… 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 youโ€™re looking to maintain your loved onesโ€™ living standards, continue paying off your mortgage in line with its repayment schedule and cover your childrenโ€™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.

Why it is important to get life insurance early


๐Ÿ‘‰ 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.

๐Ÿ‘‰ We insure our cars, houses, bicycles and even bags! Yet our health is one the most precious things we have.

People buy life, income protection, critical illness and private medical health insurance for a variety of reasons โ€“ easily one of the most important insurance purchases an individual or family can make in their lifetime.

Our award-winning FCA-authorised insurance partner experts are ready to provide you with a FREE Consultation.

๐Ÿ‘ Simply get your affordable life, income protection, critical illness or private medical health insurance plan in place for the necessary peace of mind! Just tap or click the button below to book a FREE call now! ๐Ÿ‘‡


Compare insurance plans suitable for your circumstances from these insurers and more

AIGZurichLegal&GeneralAvivaAllianzRoyal London

Select age to see what cover you qualify for



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It's as easy as 1, 2, 3!

1. Fill out a quick form


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2. Receive a call


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3. Get Protected!


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Any questions?

Why should I get life, income protection and critical illness insurance?

Life, income protection and/or critical illness insurance is a safety net, 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 youโ€™re self-employed or own a small business, where your income might be a bit less stable.

Life, income protection and critical illness insurance pays 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 youโ€™re single with no dependants then it may be that you donโ€™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 is an important financial product 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.


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Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

๐Ÿ‘ WeCovr will help you get your life insurance, critical illness insurance, private medical health insurance, over-50s funeral insurance and senior life insurance quote in no time thanks to our wonderful super-friendly award-winning partners ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with our FCA-authorised life insurance, critical illness insurance and private medical insurance partner experts and your valuable insurance policy is in place for that needed peace of mind! Just tap or click the button below to book your FREE consultation now! ๐Ÿ‘‡

Select age to see what cover you qualify for



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WeCovr provides a a convenient place for families and individuals to get life insurance, critical illness insurance and private medical health insurance quotes from FCA authorised brokers and insurers. Since 2011 we've helped over thousands of insureds towards protecting themselves against various risks, including life insurance, critical illness insurance and private medical health insurance. Reference Child Bereavement Network estimates that very 22 minute a child in the UK loses a parent they depend on financially. At the same time, only about 30% of households hold life insurance.

WeCovr assists its customers in finding quotes for life insurance, critical illness insurance and private medical health insurance by introducing them to FCA authorised companies. The content of this site is meant to be informational, and it should not be considered financial advice.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 21 Hemp Walk, London, SE17 1PF. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.