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;
• 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) 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 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 menuOpens new window) flyer.

Explore our faster, smarter, online service

With our improved 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, and
• a seamless experience across all devices and browsers.