Business Protection

For financial advisers only

We want to make business protection as easy as possible. We have the expertise and knowledge to help you, coupled with a protection menu designed specifically for the business protection market.

We’ve won the Best Protection Service award at the Investment Life & Pensions Moneyfacts Awards for the past five years.

We were commended for Best Business Protection Provider at the 2021 Investment Life and Pension Moneyfacts Awards.

We’re delighted to be the first provider to win the Best Business Protection accolade at the Cover Excellence awards 2020.

Business protection made easy

Business protection isn’t as complicated as you might think. Our Business protection toolkit gives you all the support and information you need at your fingertips to help you understand, discuss and write business protection.

Our Business Protection menu

We have one of the most flexible and comprehensive Business Protection products in the market, offering:

  • A range of main benefits, including life protection1, critical illness protection, life with critical illness protection1, key person income protection and executive income protection.
  • Portable executive income protection with a choice of benefit payment periods - either two years or full term to the benefit end date.
  • An immediate cover facility (ICF) available for both life protection and critical illness benefits to help your clients get cover in place quickly. Immediate cover is available for up to 180 days for policies containing only life protection and up to 90 days for policies containing critical illness protection.
  • The option to protect payments if the insured person can't work due to sickness or accident for a lengthy period.
  • Guaranteed insurability options – allowing a business, in certain circumstances, to increase their benefit amount because their circumstances have changed.
  • Access to Policy Plus, offering your clients support and guidance at no additional cost, whenever they need it.

1Reducing cover also available.

We'll automatically include up to £300,000 accidental death benefit for 90 days, with all benefits except key person income protection or executive income protection, where ICF isn't in place.

You can see what additional options are available for each of our main benefits in our Business Protection at a glance flyer.

Protection policies don't have any cash-in value at any time. Your clients' protection will stop if they stop paying their premiums.

Specialists in our field

Dedicated protection consultants – we provide a high level of adviser support to help you navigate the protection market.

Large sum assured support – to help make the application process as smooth and simple as possible.

Underwriting – our dedicated underwriting teams are experts in their fields, so we can make sure that even the most complex scenarios are catered for.

Price Pledge - for selected benefits, we promise to beat the cheapest like-for-like competitor premium where the monthly premium is £100 or more (terms and conditions apply).

Customer service – we have a dedicated team of protection experts in our customer service centre, making it much more than just a call centre. This means you’ll always be speaking to people who understand protection and the business you’re in.

Claims – we paid over £139 million in claims, helping 1,693 individuals, families and businesses in 2021. We've also signed up to the Protection Distributors Group's Claims Charter and Funeral Pledge.

Explore our faster, smarter, online service

With our online service, you'll benefit from:

  • Being able to apply for shareholder protection, key person protection, relevant life and executive income protection together in a single online application.
  • Quicker underwriting decisions.
  • Estimated prices as you progress through an application - letting you quickly see the impact of client disclosures, helping you manage cost expectations from the start.
  • A seamless experience across all devices and browsers.

Adviser login

Log in to our secure online services to apply.

Log-in for our secure online services

Personal Protection

Find out more about our Personal Protection menu.

Relevant Life and executive income protection

Design competitive employee benefits packages for your clients with small businesses.

Whole of Life

Learn about life protection that can help protect an inheritance tax liability.

Protection document library

Access all the forms and documents you'll need when placing protection business with us.