If you’d like to leave your loved ones an additional cash lump sum when you pass away, we can help deliver an over 50s life insurance policy, with premiums starting at just £10 a month. fOur new relationship with Howden Life & Health, has proved extremely beneficial, their focused, diligent service has enabled us to deal with several outstanding issues, that could have proved detrimental to the organisation and its workforce. Simon Marshall, Head of Workforce, WDP Who's taking care of your people risks? Running your own business can be extremely rewarding but occasionally you might hit a bump in the road. What would happen if you, or another key person in your business became seriously ill? Would it affect sales or productivity? Could you afford to recruit and train another senior member of staff and how would that impact upon workload, customers and staff morale? Safeguarding your business trending_flat Reward your top talent trending_flat Why Us? trending_flat Safeguarding your business Business life and health insurance gives you a protective buffer when you need it most. You'll have access to a cash injection to cover any outstanding business loans, to purchase shares or pay for recruiting and training staff. And should the worse happen to you or a member of staff, there'll be a lump sum for any dependents to ensure they still receive an income. Why Us? We have over more than 50 years' experience in making a difference to business and providing clients with competitive and comprehensive group life and health insurance. We look forward to speaking to you about your requirements. Making insurance easy. Established 25 years ago - A history dating back 50 years 2018/19/20/21/22 and 2023 Protection Review "Health Insurance Broker of the Year" CII Qualified advisers Largest Panel of Life & Health Insurers in the UK Outstanding FCA compliance record People risks? Key people risks Operations/ownership key people riskskey people risks What happens to the business if a key person becomes ill or dies? What happens to productivity, customers, work load, profits and sustainability? What happens to the shares? Key person cover Shareholder/partner protection Business loan cover The business The business Employment risks Your staff Employment RisksEmployment Risks How do you reward your staff throught he right mix of employee benefits? How does the business cope when staff are unwell? How do you attract and retain good people? How do you keep your staff fit, well and productive and get them back to work when ill? Group life Group healthcare Employee benefits & wellness Group flexible benefits Employee benefits platforms The employee (But the business benefits too!) The business Individual risks Your loved ones Individual RisksIndividual Risks What happens to the business if a key person becomes ill or dies? What happens to productivity, customers, work load, profits and sustainability? What happens to the shares? How does the business cope short/medium term? Tax efficient relevant life cover Income protection Private healthcare Employee benefits You and your family You and your family Reward your top talent Our range of affordable healthcare, benefit and wellbeing packages will help you recruit and retain top talent and keep staff feeling motivated and appreciated. Product solutions Group Life Cover/ Death In Service Group Life Cover/ Death In Service Financial support for your employees' loved ones when they need it most. Provides a tax free lump sum to the employees family. Key Person Cover Key Person Cover Every business will have people that are 'key' to the running of it: employees with valuable technical expertise, or strong relationships, CEOs and directors. Key person cover can provide the business with important funds to help it survive the impact of losing a key employee. Business Loan Protection Business Loan Protection To repay business loans, thus help secure the business's viability upon death or critical illness of a person who has loaned money to the business or guranteed business debts. Shareholder (or Partner) Protection Shareholder (or Partner) Protection A business 'Will' helping the remaining partners/shareholders retain control of the business while providing the deceased's family with compensation. Private Medical Insurance Private Medical Insurance Providing private health care to speed up treatment, avoid NHS waiting list and enjoy quality healthcare. Relevent Life Cover Relevent Life Cover If your business isn't big enough to warrant a group scheme yet, relevent life policies provide single employees with a death-in-service benefit. Premiums are a tax deductible business expense. Group Health Insurance Group Health Insurance Private Health Insurance benefit for employees, to help recruit and retain staff, manage attendance and staff wellness. Group Income Protection Group Income Protection Short term sick pay cover or long term income protection cover for employers and employees. Group Critical Illness Group Critical Illness Providing employees with a lump sum if they suffer a debilitating condition like stroke, heart attack or cancer. Health Cash Plans/ Dental Plans Health Cash Plans/ Dental Plans This simple policy allows your employees to claim back their everyday health care expenses: dental work, eye tests, prescriptions, physio etc. Employee Flexible Benefits Platform Employee Flexible Benefits Platform Giving your employee a choice of benefits, part or fully funded with a technology platform to communicate benefits via smart-phones and online. Howden Get in touch See how we can help you save with the right insurance cover 01242 894 930 call An award winning team Protection Review 2018 Winner Protection Review 2019 Winner Protection Review 2020 Winner Protection Review 2021 Winner Protection Review 2022 Winner Protection Review 2023 Winner Protection Review 2024 Winner Cover 2020 Winner Protection Guru 2022 Winner Protection Guru 2023 Winner Business Quality Awards 2021 winner Cover to suit you Insurance tailored to your needs Home Life insurance Income protection Health insurance Over 50's life insurance Unemployment cover Mortgage protection Life & Health for businesses Signpost health insurance Signpost protection Partners & introducers Our panel of insurers FAQ's Your rewards Terms of business for individual policies Terms of business for corporate policies Privacy notice Cookie list Modern slavery act Employee fair processing notice Complaints procedure Contact Existing customers Vulnerable clients Price promise Putting your life policy into trust Refer a friend Careers © Howden Life & Health 2007-2025. All rights reserved. Howden Life & Health is Trading style of Howden Employee Benefits & Wellbeing Limited which is part of the Howden Group. Registered in England and Wales under company number 2248238, with its registered office at One Creechurch Place, London EC3A 5AF. Authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 312841). The Financial Services Register can be accessed through www.fca.org.uk. Office address: Howden Life & Health, Ageas House, The Square, Gloucester Business Park, Brockworth, Gloucester, GL3 4ZP. The availability and promotion of some of the products within our websites may be restricted by law in certain jurisdictions outside the UK. Our websites do not constitute an offer or solicitation to anyone in any jurisdiction, or to any person to whom it is unlawful in any way to make such an offer or solicitation. All data collected within our websites is handled in accordance with our Privacy Policy, which includes information on the use of cookies. All business is transacted in accordance with our Terms of Business. Unlike standard life insurance, our over 50s policies do not require medical disclosures or medical underwriting. Even existing medical conditions will not affect the amount paid out at the end of the policy. And, as long as you’re aged between 50 and 80, your acceptance is guaranteed. So, get in touch today, and our friendly team of experts will take care of you.

Choose Howden Life & Health for your Income Protection Income protection is designed to replace or supplement your income in the event that you are unable to work. Insurance can be taken out to cover accidents, sickness and is intended to provide short term cover ranging from 12 to 24 months or up until retirement on long term accident & sickness cover, depending on the policy. Common reasons for taking out income protection include protecting mortgage or loan payments whilst ensuring you are able to maintain your lifestyle and can continue to financially support your family and loved ones. An introduction to Income Protection. What are the different types of income protection? There are two types of income protection available to people: Accident, sickness and unemployment insurance and long term income protection. Both look to pay you a regular income until either you go back to work, or the policy term ends. Accident, Sickness and Unemployment Insurance Other words that are used to describe this type of policy include mortgage payment insurance, payment protection insurance and short term-income protection. This type of policy is usually brought to cover something specific e.g. a mortgage. Long Term Income Protection Long term income protection will provide you with a steady and regular income until you are fit for work, or until the policy term ends. When thinking about income protection (IP) it's always best to get advice and understand the options available to you. Long term or short term? When deciding and comparing income protection cover, you’ll need to choose between long term income protection and short term income insurance

What is health insurance? Health insurance is designed to cover the cost of private medical treatment. It will normally cover you for ‘acute conditions’, such as a hip replacement or having a hernia removed. You can purchase different types of policies that offer different levels of cover, at different costs. This could include fast-track diagnostics for cancer or access to different cancer treatments not currently available on the NHS. The benefits of health insurance By having private healthcare, you could be seen and treated faster. You could have treatments or drugs that the NHS are unable to fund. You could also be treated in a private hospital with your own room. Plus, you are free to choose your doctor and hospital, within the limits of your policy. Types of private medical insurance There is a lot of different types of health insurance available to choose from, they include: Individual health insurance - Allows you to bypass NHS waiting times and receive treatment quickly If you become ill or injured. Family health insurance - Gives cover for any family members including your policy, making sure that treatment is received quickly should you require it. Child health insurance - Provides cover for your children giving peace of mind that their health care is protected. Joint health insurance - Offers health insurance for you and your partner, so you are assured treatment will be received promptly and at a choice of hospitals. Health Insurance is there to cover non-routine tests and treatment Each policy is different, but they do have some common procedures that will be included: Surgery as an inpatient or day patient Tests and scans Hospital accommodation and nursing care Consultations Therapy Diagnostics of chronic conditions Exclusive drugs Health insurance is designed to treat you for acute conditions that start after your policy has begun, it however it is not to cover every health condition. Many chronic and pre-existing conditions (e.g., arthritis or asthma) are excluded as standard. As well as the following: Dental services (unless added to your plan) Organ transplant, Prescription drugs and dressings, after leaving the hospital or as an outpatient Drug abuse and Kidney dialysis Experimental or unproven treatment or drugs HIV/AIDS Cosmetic treatment and Normal pregnancy Mobility aids, such as wheelchairs Deliberately self-inflicted injuries Infertility Why compare Health Insurance with Howden Life & Health? Searching for the right health insurer can be stressful and here at Howden Life & Health, we want to help you make the complicated simple. Therefore, we have a selection of policies online that you can purchase by providing very basic information. We also have a dedicated health insurance team of trained advisers, who are more than happy to walk you through the process and discuss your options with you. It is normally best for us to speak with the intended policyholder to make sure we obtain the most accurate information from you. We have won the Health Insurance Advisor of the year for the past 2 years, based on the advice that we provide to our customers. So, you know that you can trust our advice. Howden Life & Health will give you: Free impartial advice.

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