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Business Protection.

Additional Options.

For even better protection, you can enhance your client's cover with a range of additional options to suit their needs and budgets.

Business Serious Illness Cover.

Our Business Serious Illness Cover option protects an employee should they suffer a serious illness whilst in employment, safeguarding your clients’ business against the financial impact of their absence.

VitalityLife’s Business Serious Illness Cover offers protection against serious illnesses as well as advanced or life threatening ones, unlike most typical critical illness policies that only cover the most critical conditions.

Market-leading cover as standard

Business Serious Illness Cover - 138 conditions covered from Severity A (100% payout) to Severity E (15% payout).

Business Serious Illness Cover Plus - 167 conditions covered from Severity A (100% payout) to Severity G (5% payout).

Unlike typical critical illness cover, our Business Serious Illness Cover gives your clients a severity-based payout proportionate to the condition. Both of our Business Serious Illness Cover options cover more conditions than any other insurer within the market.1

Business Serious Illness Cover with Protector.

Protect your clients' cover so any payout less than 100% of your cover amount will be reinstated, leaving the full cover amount in place for future claims. Additionally, payouts for all key conditions that would typically be covered in full by a critical illness plan will be boosted to 100%. This includes cancer, heart attacks and strokes.

Disability Cover for Business

We’ve developed a specific cover to help businesses and business owners protect their interests. Disability Cover for Business provides a full payout for the types of conditions that would force an employee to withdraw from the business. This reduces the potential of payouts for less severe illnesses and means that the right amount of money is in the right hands at the right time. We cover anything from temporary disability to severe disability for the rest of life.

Waiver of premium

You can add Waiver of Premium on Incapacity to your clients’ Business Protection Plan. That means that if one of the people covered under their plan is unable to work due to illness or injury, we’ll waive their premiums.

Our Business Protection options

Our range of cover options give your clients reassurance and vital support.

  •            Key Person Cover           

    Within any business, there are key personnel with essential roles to play. This cover option gives your clients a payment to help protect their business’ profits if anything critical was to happen with a key employee.

  • Shareholder and Partnership Cover

    This cover option provides a lump sum to your clients and keeps them covered even in the unfortunate circumstances of a business shareholder or partner passing away or suffering 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.


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 is 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

Where to next?

  •              Trusts and tax                            

    In order for the business and employees to benefit from the tax benefits associated with a Relevant Life Plan, you should put it into a Discretionary Trust.

  •          Business Protection                  

    Good health is good business. We aim to give your clients cover that's relevant to their business needs and pays out when they need it most.

  • 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.