Life insurance

Modern, pro-employee companies know that good people expect more.

If you are committed to keeping your best talent, getting value for money on Group Life Insurance is a step in the right direction.

You can access Group Life as standalone insurance, or as part of a broader Employee Benefits package.

Howden consultants specialise in tailoring insurance to your exact needs.

We can offer you policies that include:

We can offer you policies that include:
Accidental Death Benefit
Critical Illness Benefit
Total Permanent Disability Benefit
Burial Benefit
Terminal Illness Benefit
Hospitalisation Income Benefit
Medical Reimbursement

Policy highlights

Premium refunds

The better Group Life policies offer a premium refund if you meet a certain utilisation ratio (going a specified amount of time without a claim).

High No Evidence Limits (NEL)

We help you avoid the need to meet frequent updates in medical underwriting requirements: Our basis for negotiation will be the highest sum insured plus 10% for salary increase/adjustment within the year.

Who is the cover with?

Howden secures cover with AA-rated insurers with experience and expertise in the specialist area of life insurance. These insurers may be in local markets and the specialty markets of Lloyds of London in the UK. All the insurers we use are well respected, have extremely stable finances and will be viable long term.

Give your people unrivaled support

Swift claims settlement with our own in-house claims department

Expediting claims in a huge part of the broker’s role: we build in speedy claims resolution from the design phase, to save time and stress when it matters most.

Utilisation analysis – to keep your benefits useful and used

As well as providing care, we use doctors to conduct research and analysis into your staff’s use of the benefits. By studying trends around the take-up and usage of benefits, we can help fine-tune your package – and improve the wellbeing of your team.

Communicating your offering

As with all employee benefits policies, buying wellbeing and not communicating properly, is wasteful. We are on hand to assist and help you maximise the benefit.

Helping HR save time by minimising admin

We become an additional resource you can count on – we make sure enrolment and document processing is not a burden to you

We conduct policy reviews, monitor renewals, and facilitate enrolment, deletion and billings.

Benchmark against your competition

Compare your offering against other companies within your industry.

Our own contact centre

We’re ready to take calls and support 24/7.