Howden Life & Health

Specialist life and health insurance broker in the UK

Howden Life & Health is an insurance broker specialising in life and health products. The firm presents itself as a broker working with a selected panel of insurers, which allows comparing multiple policies and simplifying the choice. Its service is described as fee-free and supported by qualified advisers, with access to products the company describes as exclusive.

The entity is part of the Howden Group and operates under the legal name Howden Employee Benefits & Wellbeing Limited, registered in England and Wales with company number 2248238. It is authorised and regulated by the Financial Conduct Authority (FCA), with financial services register number 312841.

Personal protection products

The broker's catalogue is organised into several insurance lines aimed at protecting individuals and families:

• Life insurance: aimed at protecting the family's standard of living and providing for them when the insured can no longer do so.
• Income protection: designed to replace or supplement income in the event of incapacity for work due to accident, illness or redundancy.
• Health insurance: provides quick access to private healthcare at UK private medical facilities, for both the insured and their family.
• Over 50s life insurance: guarantees the family a lump sum regardless of current health and lifestyle.
• Unemployment cover: a short-term income protection policy covering up to twelve months in the event of incapacity for work due to involuntary redundancy.
• Mortgage protection: designed to cover mortgage payments if the insured cannot work due to accident, illness or unemployment.

Business solutions

In addition to its offering for individuals, the company markets the Life & Health for Business line, aimed at companies needing life and health cover for their teams. The firm also has a specific channel for partners and introducers, with a variety of products for those who refer clients.

Service in Polish

Among its services, the broker includes a section called Life & Health in Polish, indicating specific service for Polish clients.

Additional client services

Under the Your rewards programme, the company offers its clients additional services at no cost, including a free will and free health support, as described on its website.

Structure and presence

Howden Life & Health operates from several offices in the UK. The head office is in Gloucester, and the company also maintains offices in Bournemouth, Tunbridge Wells and Dartford. The latter two incorporate references to previous names: Health Insurance Specialists in the case of Tunbridge Wells and Right to Health in the case of Dartford.

Industry memberships

The firm identifies itself as a founding member of the Protection Distributors Group (PDG) and an active member of The Association of Medical Insurers and Intermediaries (AMII).

Offices and locations

Gloucester office: Howden Life & Health, Ageas House, The Square, Gloucester Business Park, Brockworth, Gloucester, GL3 4ZP

Bournemouth office: Howden Life & Health, Exeter Park Road, Bournemouth, BH2 5BD

Tunbridge Wells office: Howden Life & Health, Oakhurst House, 77 Mount Ephraim, Tunbridge Wells, Kent, TN4 8BS

Dartford office: Howden Life & Health, Crown House, Home Gardens, Dartford, Kent, DA1 1DZ