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AIG 

AIG Life Limited is the life insurance arm of AIG in the UK, Channel Islands, Isle of Man and Gibraltar. We provide financial and practical support for individuals, families, employees, and businesses when illness or injury threatens their life, lifestyle or livelihood.  

American International Group, Inc. (AIG) is a leading international insurance organisation serving customers in more than 100 countries and jurisdictions. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. 

 

Aviva 

With over 300 years’ experience, we are the UK’s largest insurer with a 23% share of the UK life and savings market. We are a trusted provider of savings, retirement, insurance and health products under one strong brand. We have been a recognised leader of Environment, Social and Governance issues for decades, and are taking bold steps to tackle the climate crisis.  

 

AXA 

AXA UK is part of the AXA Group, one of the largest insurance brands in the world. As a group, we have 103 million customers worldwide and employ close to a quarter of a million people. In the UK we specialise in:  

• Insurance – protecting homes, cars and businesses through a wide range of insurance products  

• Healthcare – affordable plans that offer peace of mind, here in the UK or internationally  

 

British Friendly 

We’re a real mutual – and have been since 1902 – providing Income Protection insurance to as many people as possible. All our customers become equal members when they join so everyone always benefits from the same personal service. Our number one priority is paying claims which is why we paid 94% in 2019 and 94% of all our claims over the last 16 years.  

 

BUPA 

Bupa's purpose is helping people live longer, healthier, happier lives and making a better world. We are an international healthcare company serving over 38 million customers worldwide. With no shareholders, we reinvest profits into providing more and better healthcare for the benefit of current and future customers.  

 

Cirencester Friendly 

We at Cirencester Friendly are income protection (IP) professionals, providing our Members with a regular income should they become unable to work and earn a living due to illness or injury.  

We are proud of our Member-owned ‘mutual’ status, which aligns the interests of the business and those who own it; our Members. Our philosophy is simple – we exist for the benefit of our Members. 

Cirencester Friendly was established in 1890. Primarily formed for the benefit of the agricultural workers based in Gloucestershire, today we cater for the income protection needs for all walks of life across the UK.  

With over 130 years of experience we are committed to providing the highest quality income protection but don’t just take our word for it... We have been recognised by a number of independent industry bodies including Moneyfacts, WhatMortgage, COVER and FT Adviser.

  

The Exeter 

We're an award- winning, mutual insurer providing health insurance, income protection and life insurance.  

1. You’re more than a customer, you’re a member 

When you take out a policy with The Exeter you automatically become a member. And that membership represents a commitment from our board that every decision we make will always be in your best interests. In short, you’ll never play second fiddle to shareholders because we don’t have any. 

2. We put people before profit 

Like any business we strive to make profit. But it’s what we do with it that’s important. As we’ve said before we don’t pay dividends like big insurers, instead, we use our profits to improve the quality of our policies, keep premiums affordable, pay claims quickly and ensure our service is second to none. 

3. Our measure of success is paying claims 

We always set out the terms of our polices in black and white. In the rare event a claim falls into a grey area, that might see other insurers shaking their heads – we pay out. Like you, our reputation means everything to us. Knowing we pay out means everything to our customers. 

4. We’re always right on the money 

With any financial product, you want to know you’re getting a good deal. At The Exeter, we regularly benchmark all our products against the market, checking our benefits and our price. So you are guaranteed to get quality cover at a fair price. 

5. We do more to cover more people 

We don’t pick and choose the people we cover based on computer algorithms or sweet-spot demographics. We consider every application on its merits – so we’ll often say yes, when other insurers might say no. 

6. We take care of you personally 

We have real people on-hand to answer calls when you need to talk to us. What’s more, they sit a stone’s throw from our management team. So if an issue needs escalating, we can take care of it there and then. 

 

Holloway Friendly 

Holloway Friendly has been here for our members for over 130 years. Our founder, George Holloway, created the first income protection plan to help workers safeguard their way of life should they become unable to work due to illness or injury.  

Our members sit at the heart of our decision making when it comes to underwriting and claim handling, and we always try to see things from their perspective.  

We provide income protection. In fact, we invented income protection. So, we understand what it takes to keep the bills paid and help keep our Members’ Lifestyles intact if they’re unable to work for a while. Simple, clear insurance. Great service. No-fuss claims process. All delivered through our network of knowledgeable Financial Advisers.

  

L&G 

Established in 1836, we are one of the UK’s leading financial services groups and a major global investor, with international businesses in the US, Europe, Middle East and Asia.  

With over £1 trillion in total assets under management, we are the UK’s largest investment manager for corporate pension schemes and a UK market leader in pensions de-risking, life insurance, workplace pensions and retirement income. We have also invested over £20 billion in direct investments such as homes, urban regeneration, clean energy and small business finance.  

Through nearly two centuries of rapid change, we’ve been there, improving the lives of our customers, and building a better society for the long term. 

 

LV 

We’re here to help you make the best choices when it comes to your client. With a range of protection, retirement and investment products that are good value, award-winning and offer additional support services – our range suits all types of clients. 

Being a well-respected provider isn’t just about the right product – it’s also about offering the right support. 

We're committed to the intermediary market and want to be there to offer you the support, training and development and technical guidance you would expect from an established provider. 

Together with our comprehensive range of Personal and Business Protection, and Savings and Retirement products, our dedicated team aim to help you protect your client and look after their future.

 

Royal London 

Royal London work hard to attract the best talent for our award winning team. We believe that embracing difference makes us stronger. Our diverse people bring us different skills – whatever their educational background, physical ability or disability, gender, age and sexual orientation. This has helped us grow into the largest mutual life, pensions and investment company in the UK with group funds under management of £130 billion. Our businesses provide around 8.8 million policies. And we have over 4000 employees across 6 sites in the UK and Ireland. (Figures quoted are as at June 2019).  

Since 1861, when Royal London was founded in a London coffee shop, plenty has changed (although the popularity of coffee shops remains undiminished). First we were a friendly society then a mutual insurance company. We started out by helping people to avoid the stigma of a pauper's grave. We have been helping people to help themselves ever since.  

To achieve our vision of becoming the most trusted and recommended financial company in the UK, we need to have a shared understanding not only of where we're going and why - – but how we're going to get there. This is where our culture and values come in. The specialist businesses that make up the Royal London Group are clearly positioned within their markets and our goal is to provide innovative solutions that match the needs of distribution partners and customers.  

 

Scottish Widows 

Scottish Widows was set up in 1815 to take care of women and children who lost their fathers, brothers and husbands in the Napoleonic Wars, taking its name after the people it was founded to look after. Now more than 200 years on, we look after almost 6 million customers across the UK. Today our commitment is still the same - to help people plan for their financial futures. 

Scottish Widows’ product range includes workplace and individual pensions, annuities, life cover, critical illness, income protection as well as savings and investment products. Customers can access our products and services directly and through Independent Financial Advisers. 

 

Vitality 

At Vitality, everything we do is driven by our core purpose: to make people healthier and to enhance and protect their lives. We focus on encouraging healthy living and rewarding people for doing so – a key element of our Shared Value model.  
 
Through our market-leading health and life insurance, investments, and the Vitality Programme, we empower our members to take control of their wellness and develop long-term healthy habits - good for them, good for us and good for society.  
 
We believe in this so much so that Vitality, with our parent group Discovery, has established a bold new pledge – to get 100 million people 20% more active by 2025.  

We aim to be the best at everything we do, offering comprehensive and award-winning Health and Life cover and positively different investments to our members. 

Vitality Health plans provide start-to-finish private care with Vitality GP video consultations; fast access to consultants and treatment, as well as a Full Cover Promise. 

Vitality Life has a complete range of protection products. Our life insurance comes in two forms: Term Life Insurance or Whole of Life Cover and our Serious Illness Cover pays out based on the impact that the condition has on a member's lifestyle.

 

Zurich 

Whether it's personal or business cover, our goal is to provide your clients with comprehensive and tailored solutions.  

Zurich Assurance Ltd is part of the Zurich Group. The Zurich Group is a leading multi-line insurer that serves its customers in global and local markets. With about 55,000 employees, it provides a wide range of property and casualty, life insurance products and services in more than 215 countries and territories. Zurich’s customers include individuals, small businesses, and mid-sized and large companies, as well as multinational corporations.