Life insurance
Life insurance that puts them first
Whatever happens, the people who depend on you are looked after.
We're here to help.
When a client needs specialist advice outside your area of expertise, you want to know they're in safe hands.
At Howden, our helpful insurance people work alongside accountants, solicitors, mortgage advisers, financial planners and other professional introducers to help clients find the right health and protection cover.
We'll look after your clients as if they were our own, while you stay at the centre of the relationship.
No cross-selling guarantee
- Up to 33% commission share
- Dedicated health and protection specialists
- Award-winning service
- FCA regulated and compliance-led
Why Partner with Howden?
Your relationship stays protected
We operate a strict no cross-selling policy, so you can refer clients with complete confidence.
Specialist advice you can trust
Our dedicated advisers focus solely on health and protection, helping clients navigate complex decisions with clarity and confidence.
Fair, transparent rewards
Receive 33% commission share on completed business through our introducer programme.
FCA regulated and compliance-led
We maintain the highest professional and regulatory standards, giving you and your clients complete peace of mind.
How it works
Refer your client
Complete our secure referral form and tell us a little about your client's needs.
We do the hard work
Our specialist advisers will speak directly with your client to understand their needs, priorities and circumstances. They'll then provide tailored recommendations and support them every step of the way. As we're responsible for providing regulated advice, we must speak with the client directly.
We keep you updated
You'll receive regular progress updates throughout the journey.
Your client gets the support they need
And if business completes, we'll arrange your commission payment promptly.
Helping Your Clients Find the Right Cover
Whether your client is looking to protect their health, income, family or future plans, we're here to help. Our experienced team can support clients with:
- Private Medical Insurance
- Life Insurance
- Income Protection
- Critical Illness Cover
- Over 50s Protection
- Specialist Health Insurance Requirements
- Business protection
Ready to Refer a Client?
Your clients get expert advice. You keep the relationship. Everybody wins.
Refer a client today and let our specialists do the hard work.
Prefer to Talk It Through?
Every partnership is different.
Whether you'd like to discuss referral opportunities, explore ways we can support your clients, or learn more about our introducer programme, we'd be delighted to help.
Email Partnerships Director Ian Sawyer to start the conversation – partnerships@howdenlifeandhealth.co.uk
“Think of us as an extension of your team. We'll take care of the specialist health and protection advice, while you remain at the heart of the client relationship.”
Trusted by leading advisers and consumer brands
We work with many IFAs, mortgage brokers and professional introducers, including firms from PMS, Bankhall and Paradigm, as well as major brands such as London and Country and Reassured. We're also recommended by Martin Lewis's MoneySavingExpert and represent leading comparison websites including Compare the Market, Go.Compare, MoneySuperMarket and Uswitch.
