Howden Life & Health
Life & Health Insurance for your Businesses
Protect the people behind your business
Every business is built on people, but some roles carry weight that’s hard to replace.
Whether it’s the founder, a financial director, or the driving force behind a major client relationship, losing them unexpectedly can disrupt operations, finances, and future plans.
For smaller businesses and sole traders, the impact can be even more personal and immediate.
At Howden, we help you plan ahead. Our Business Protection solutions provide financial stability when it’s needed most, supporting business continuity, and giving you time to adapt without pressure.
Cover that fits your business
There’s no one-size-fits-all approach. We take the time to understand how your business works: your ownership structure, lending obligations, and key individuals. Then we recommend cover that reflects your real-world risks.
Our business protection services include:
Key Person Insurance
If a key team member passes away or becomes critically ill, this cover helps bridge the financial gap -from lost revenue to recruitment costs.
Shareholder Protection
Provides the remaining shareholders with the funds to buy back shares, helping retain control and protect the business from disruption.
Partnership Protection
Enables the surviving partner(s) to buy the departing partner’s share in the event of death or serious illness, helping keep the business stable.
Business Loan Protection
Covers outstanding loans if a guarantor dies or becomes critically ill, reducing financial pressure and protecting credit.
Why choose Howden?
We’re more than just brokers. We’re partners in protecting your business for the long term.
- Access to the widest panel of UK insurers
We search across the market to find competitive, tailored options that suit your needs. - Independent advice that works for you
We’re not tied to any one provider, so the advice you get is always based on what’s right for your business. - Rated ‘Excellent’ on Trustpilot (4.9/5)
Thousands of clients trust us to protect what matters most. We don’t take that trust lightly. - Support that grows with your business
Your needs will evolve over time. We’re here to make sure your protection does too.
Start the conversation today
Business protection gives you space, stability and confidence when the unexpected happens. Speak to one of our specialists today for clear, practical advice and a solution built around your business.
Howden Life & Health, the new name for Assured Futures
On November 1st 2023, Assured Futures completed its merger with Howden. For Assured Futures clients, the service remains the same, via your usual contacts. Assured Futures phone numbers and email addresses will continue to work.
About the merger trending_flat