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FCA-Authorised Advisers | Whole-of-Market Access
British Life connects you to Group Income Protection cover that keeps your employees supported when long term illness strikes. You get expert guidance and whole-of-market access with no fees.
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Your employees depend on their income, so if long term illness or injury stops them from working, Group Income Protection provides the financial safety net they need. Without it, you risk:
Ensure your team has the support they need to recover properly.
As business owners ourselves, we understand the importance of looking after your team, as businesses struggle when their valued employees can't afford to take the time they need to recover properly. That's why British Life connects you with advisers who specialise in Group Income Protection schemes. It's about creating a genuine financial safety net that supports your employees when they're at their most vulnerable.
James Stait,
British Life
Your team is your business. When long term illness or injury strikes, employees need more than just statutory sick pay. They also need continued income, specialist rehabilitation support and the confidence that they can recover without enduring financial hardship.
British Life connects you with FCA-authorised advisers who specialise in Group Income Protection across the UK. They work with providers throughout the whole market, including Aviva Group Protection, to secure policies that genuinely support employees. Your adviser can ensure the right combination of financial protection, wellbeing services and early intervention to help your team members recover and return to work.
Picture your employees having financial peace of mind during their darkest moments, your business protected from extended sick pay commitments and your reputation enhanced as an employer who genuinely cares about your people.
Discover how straightforward Group Income Protection can be.
Our service is completely free. Insurers pay the advisers we connect you with, but only when they secure appropriate cover for you. As for your premium costs, Group Income Protection rates depend on your workforce size, industry sector, employee age profile and the level of benefits you choose. Longer deferred periods reduce premiums. Your adviser will work within your budget to structure a policy that provides meaningful protection at a sustainable cost for your business.
Group Income Protection pays a monthly benefit if your employees can't work because of any long term illness or injury, and this continues until recovery or retirement age. Group Critical Illness pays a lump sum only if an employee is diagnosed with a specific serious illness listed in the policy. Group Income Protection offers broader cover for all causes of long term absence, not just for defined critical conditions. Many employers choose Group Income Protection as their primary protection and sometimes add Group Critical Illness as an extra benefit.
Most insurers require a minimum of three employees to qualify for group rates, though some providers offer schemes for smaller businesses. There's no maximum limit. Group Income Protection becomes increasingly cost-effective as your workforce grows, with economies of scale on premiums and higher free cover limits that reduce medical underwriting requirements for new employees.
Modern Group Income Protection policies include an extensive range of wellbeing services, not just income replacement. This typically covers specialist rehabilitation support for physical and mental health conditions, employee assistance programmes offering confidential counselling, early intervention services to prevent absence escalating and access to medical professionals, physiotherapy and vocational rehabilitation. Your adviser will compare the support services across providers, as this is where policies differ significantly and where the real value is for both employers and employees.
This depends on your policy structure. Some Group Income Protection policies include employer pension contributions as part of the insured benefit, meaning these contributions continue during the payment period. Others cover salary only. Your adviser will clarify what's included and whether you need additional protection for pension contributions. This is particularly relevant for your auto-enrolment obligations and for maintaining employee benefits during a long term absence.
Yes. One of the key advantages of Group Income Protection is that eligible employees are usually covered up to the free cover limit without individual medical underwriting. This means employees with pre-existing health conditions will join the scheme automatically, subject to policy terms. For benefit levels above the free cover limit, or for very small groups, some medical underwriting may apply. Your adviser can explain exactly how this works for your circumstances and ensure you understand any limitations.
This type of policy provides financial protection in the form of income replacement (ie sick pay) for employees who are unable to work due to injury, short or long-term sickness or disability up to the age of retirement. As such it can represent a significant employee benefit to help recruit and retain employees.
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Features:
Benefits:
It's important to note that the specific features and benefits of GIP insurance can vary depending on the insurance provider and policy terms. Businesses should carefully review policy details, coverage limits, exclusions, and waiting periods before selecting a GIP insurance plan. Consulting with an insurance professional or broker can help businesses find the most suitable coverage for their employees' needs.
This type of policy is designed to ensure directors and employees can seek expert medical attention promptly, namely faster than the NHS, so that they can return to work as soon as reasonably possible. It acts as attractive benefit for potential new employees and a retention device for existing employees.
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Private health insurance for UK businesses offers several features and benefits that can be advantageous for both employers and employees. Here are some key features and benefits of private health insurance for UK businesses:
It's important for businesses to carefully consider the features, costs, coverage limits, exclusions, and network providers when selecting a private health insurance plan to ensure it aligns with their needs and the needs of their employees.
This type of policy pays out a regular monthly benefit should the insured key employee or director become too ill or injured to work. It is popular with contractors and directors working in their own limited company and covers up to 80% of their income (wages or dividends) in a tax-efficient way. Read more
Executive Income Protection operates in a very similar way to Personal Income Protection, providing a regular income if the person insured is unable to work due to illness or injury.
The main difference between the two types of policy is that Executive Income Protection can cover up to 80% of the individual's income, whether from wages or dividends or both, whereas most standard policies typically only cover up to 60%.
As such, it is an attractive benefit for high-earning small business owners and contractors.
The cost of the premiums is determined by how much cover is required, the age of the individual to be covered, any existing or past health conditions, what their current role entails, how long the cover is to last, and how long they are prepared to defer the first payment.
The premiums are paid by the company and are tax-deductible, which is an additional saving compared to personal policies.
Along with other benefits available, Executive Income Protection can be a valuable component of an overall financial plan, especially those with high incomes and significant financial responsibilities.
For free advice, speak to a UK based adviser on
0333 987 3960* (9am-5pm Mon-Fri)
The telephone service is provided in partnership with BQI Protection Ltd and the quotation service is provided by an FCA-authorised insurance specialist
It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.
A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.
Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.
Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.
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Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.
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