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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 their 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.

  • 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 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 Toolkit.

In this toolkit, you can easily access everything you’ll need to talk to your clients about Business Protection. We’ve highlighted the most popular resources in yellow, and you can find a list of the others below. You'll find other toolkits throughout our website.

Guide to Relevant Life Plan
Disability Cover for Business Sales Aid
Guide to Optimiser

Business protection options

Our business solutions can help give your client reassurance.

  •            Key Person Cover                         

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

  • Shareholder and Partnership 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.

  •    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.

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!
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Where to next?

  •          Relevant Life Plan               

    The cost-effective alternative to Life Cover. A tax-efficient way for your client to give their best people the best benefits.

  •          Additional Options             

    Enhance your clients' cover with a range of additional options to suit their needs and budgets.

  • Business Protection Literature Library

    Find our Business Protection literature.

  •                Online tools                  

    Explore our wide range of online tools, designed to support your client conversations and help to grow your business.

1Defaqto verified competitor comparisons, September 2020
Contact your Business Consultant
or call 0345 601 00720

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