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Business Protection

Disability Cover

Request a callback or phone 0161 2167 595 for a free quote or advice

Invest in Disability Cover to protect your bottom line

Available as an optional extra with Business Protection Life Cover, Disability Cover for Business pays out a lump sum if the person insured is diagnosed with an illness or becomes disabled because of an accident.

If the insured person falls ill or becomes disabled, this cover gives you financial support to soften the blow of their absence or gives you the opportunity to offer them extra financial help.

What you get

  • A range of options

    Choose between fixed term or renewable term plans

  • Certainty of cover

    We offer objective medical definitions

  • Variable cover amounts for maximum flexibility

    Choose to be protected on a level, indexing or decreasing basis.

  • Guaranteed insurability 

    Lets you increase cover when certain events happen – such as a change in value of a key person or an increase in a partner’s stake - without undergoing new underwriting (having to give us extra information about the health of the person).

Business Disability Cover

Key Facts

  • Minimum time period of insurance - one year
  • Maximum time period of insurance for reviewable premiums - 50 years
  • Maximum time period of insurance for guaranteed premiums - 40 years
  • Minimum amount of insurance - £10,000 (subject to minimum premium payment)
  • Maximum amount of insurance - £1.5 million
  • Minimum entry age –age 17 on next birthday
  • Maximum entry age –age 60 on next birthday
  • Maximum expiry age – age 70 exactly

Your Business Protection options

  • Relevant Life Cover

    Give your best employees an extra incentive to stay

  • Key Person Cover

    Reduce the financial impact if you lose an employee to illness, disability or death

  • Shareholder or Partnership Protection

    Keep your business stable in the event of illness or death

  • Loan Protection

    Protect your company’s financial stability in times of uncertainty


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0161 2167 595

Speak to a VitalityLife business adviser for tailored advice. , ask for a callback and we’ll get in touch at a time to suit you.
Lines open:
8am – 9pm Monday to Thursday
8am – 7pm Friday
9am – 5pm Saturday
Closed – Sunday

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