Life & Disability Insurance
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Life and Disability insurance makes sure that if you or someone key to your business dies or becomes unable to work, the people who depend on them aren't left without support. For businesses, that means protecting the individuals behind the operation. For employees, it means knowing that if something goes wrong, their family and their finances won't fall apart. It's not a comfortable thing to think about, but it's one of the more straightforward ways to show your team that you actually mean it when you say you care.
What This Covers
A lump sum payment to an employee's family in the event of death in service- Income replacement for employees who become unable to work through illness or injury
- Critical illness cover where included, paying out on diagnosis of specified conditions
- Long-term disability cover for extended periods of absence
- Cover for directors and key individuals as well as wider staff
What This
Does NOT Cover
Pre-existing conditions, depending on underwriting terms- Self-inflicted harm
- Claims arising outside the terms of the policy definition of disability
- Conditions not listed under critical illness cover where applicable
Who
Needs This Insurance
Any business that wants to offer meaningful benefits to its team
Companies competing for talent where benefits packages matter
Businesses with key individuals whose absence would significantly affect operations
Any employer who wants their team to feel genuinely looked after
Who Needs This Insurance
Ready to
get covered?
Get a quote for Life & Disability cover built around your business and your people.
