Business Protection

For financial advisers only

Many businesses try to protect themselves against every eventuality — buying insurance for their buildings, fixtures and fittings, stock, vehicles and protecting their potential liabilities. But what would happen if your client’s business lost a key employee?

Our Business Protection solutions could be the one thing that keeps their business going if the worst happened. And, to help, we’ve created a product that’s so flexible every business can get the right cover for them.

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Your toolkit

We’re here to support you. We have a number of calculators, sales aids and tools to help you help your clients protect their business.

The basics

Our Business Protection menu is one of the most flexible and comprehensive products in the market. It offers:

  • a range of main benefits including life protection, reducing life protection, critical illness protection, life with critical illness protection, reducing life with critical illness protection, key person income protection and executive income protection - total permanent disability is also available with critical illness benefits;
  • an immediate cover facility (ICF) if business protection is urgent - we can put 60 days’ cover in place immediately while we request any routine medical information for up to £3.5 million for life protection and £1.5 million for 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 the insured person's benefit amount because their circumstances have changed; and
  • access to a new key person replacement service, provided by our partners cazden. This is in addition to our existing health and wellbeing service provided by our partners Health Assured.

You can see what additional options are available for each of our main benefits in our Business Protection Summary of benefits(Opens new window)

Specialists in our field

Dedicated protection consultants - at a time when some providers are cutting back their support in this area, we’ve expanded our sales team and introduced a new sales model, to give you the best level of support we can.

Underwriting - our dedicated underwriting teams are experts in their fields, so we can make sure that even the most complex scenarios are catered for.  Our large sum assured team deals with larger cases of over £1.5 million life protection, £750,000 critical illness protection and total permanent disability and £40,000 a year income protection.

Customer service - We employ 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.

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Personal Protection

Find out more about our Personal Protection menu.

Simply Life

Learn about our simplified life protection with only nine core underwriting questions.

Whole of Life

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

Relevant Life

Learn about this employer-funded, tax-efficient life protection.