Employee Protection Benefits

Support your employees with life, disability and critical illness cover — tailored to your business.

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Financial peace of mind when it matters most

Looking after your employees goes beyond day-to-day benefits. Protection benefits like life insurance, disability income protection and critical illness cover offer vital financial support when your people or their families need it most — whether during a long-term illness, serious injury or the unexpected loss of life.

These core insurance-based benefits are often seen as the foundation of a strong employee benefits package. They show your people that you genuinely care about their wellbeing, inside and outside of work — and they provide peace of mind that support is in place when life doesn’t go to plan.

They’re also more cost-effective than many businesses realise. And in a competitive job market, offering protection benefits helps you stand out to top talent and hold on to the great people you already have.

What’s typically included?

Group Term Life Insurance is one of the most highly valued employee benefits that you can offer employees. It enables employers to provide a cash benefit to an employee’s family, children or any chosen beneficiaries if the employee dies while employed within your organisation.

Replaces a portion of salary if an employee is unable to work for an extended period due to illness or injury. This helps them manage ongoing costs while they recover.

Pays out a lump sum if an employee is diagnosed with a serious illness such as cancer, stroke or heart disease. This can be used however they choose — from covering treatment costs to day-to-day expenses.
 

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Advice tailored to your team

Whether you're introducing employee protection benefits for the first time or reviewing an existing package, our specialist consultants are here to guide you. We understand that every business is different, and that’s why our advice is always independent, impartial and focused on your goals, your people and your budget.

With Howden, you get expert support at every step. We’ll help you choose the right plan — one that’s not just affordable, but truly valuable to your team.

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