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VitalityLife

Business Protection

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Now Simpler, Better and Easier.

This year, we're making our life insurance proposition Simpler, Better and Easier for you and your clients. Our new and enhanced product range is available now on Adviser Hub. Find out more

Good health is good business.

Business Protection is one of the best ways to safeguard the future of your clients’ business, by protecting the people who matter most to their business’ success. With Business Protection, your clients are able to provide their company with an extra degree of long-term stability and reassurance, by protecting key employees and shareholders, should something ever happen to them.

Why VitalityLife?

We provide protection plans that are relevant to the needs of your clients’ business and pay out when they need it to.

We also take a unique approach to insurance by being the only provider to integrate wellness into our insurance products through the Vitality Programme. It’s why we make it easier and more affordable for your clients to get active – and reward them with lower premiums and even more incentives to keep them motivated. It’s a virtuous circle that leads to more rewarding cover and healthier employees.

Reasons to choose Business Protection with VitalityLife

  • The right plan for your clients’ business

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    We offer three levels of protection, with the flexibility to find a solution that suits your clients business, including Key Person Protection, Shareholder and Partnership Protection and Business Loan Protection.

  • Award-winning Serious Illness Cover

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    If one of your clients employees suffers a serious illness, our Business Serious Illness Cover option gives your clients a severity - based payout. We cover all heart attacks, all strokes and more cancers that any other insurer1 - 138 conditions on our Business Serious Illness Cover and 167 on Business Serious Illness Cover Plus. Clients are also able to protect their cover in order to pay out 100% on all key conditions typically covered in full by a critical illness plan.

  • More flexibility to suit your business’ needs

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    We also offer extra cover options: Disability Cover for Business, providing a full payout for the types of conditions that would force an employee to retire from the business, Guaranteed Insurability Options and Waiver of Premium.

  • It's easy to apply

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    To ensure your clients and their employees get protected as quickly as possible, our Vitality Nurses can visit them at their own home, place of work or at a place that’s convenient for them, to carry out their underwriting screening. As most screenings are finger prick blood tests, this allows us to capture the results immediately. Making it quicker for your clients to get the cover they need.

Business protection options

Our business solutions can help give your client reassurance.

  • Key Person Protection

    Gives your clients a payment to help protect their profits if an employee dies or suffers a serious illness.

  • Shareholder and Partnership Protection

    Gives your clients a lump sum so they can keep control of the business if a shareholder or a business partner dies or suffers a serious illness.

  • Business Loan Protection

    Gives your clients a payment to repay business loans if a shareholder or a business partner dies or suffers a serious illness.

Business Protection

Tailor your clients plan

In order for your client to get the exact plan that suits their business and employees – you can add some of our additional options such as, Business Serious Illness Cover, Waiver of Premium, and Disability Cover for Business.


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Optimiser

With Optimiser, your clients will receive our best available premium - up to 30% lower than our standard premium on fixed-term cover. They can also keep their premiums low through doing healthy things and improving their Vitality status. With Platinum status, they'll see 0% annual increases in premium.

Now, Vitality Select is included on all plans for no extra cost, giving your clients access to a number of discounts and rewards.

When their monthly premium above £45 for single Life plans and above £60 for joint Life plans, they can enjoy Vitality Plus for an extra £4.75 per person per month, giving them access to our extended range of discounts and rewards!
Find out more

Relevant Life Plan

A Relevant Life Plan benefits your clients employees, by making them feel more valued. But it also benefits their business as a whole, as they’re likely to be more engaged, take less time off sick and be more productive.

Relevant Life Cover

Risk Calculator

Knowing what your clients might face in the future, allows them to better protect their business from it. It only takes a minute to use our Risk Calculator to make sure they have the right protection.
Try it now

Where to next?

  • Business Protection Literature Library

    Find our Business Protection literature.

  • Key Person Cover

    Keeps things smoothly ticking over should your clients lose key business personnel.

  • Loan Protection

    Gives your clients a payment to repay business loans if a shareholder or a business partner dies or suffers a serious illness.

  • Shareholder Cover

    Gives your clients a lump sum so they can keep control of the business if a shareholder or a business partner dies or suffers a serious illness.

Phone icon Contact your Business Consultant
or call 0808 234 3000

Lines are open:
Monday - Thursday 8.30am - 6pm
Friday 8.30am - 5pm

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