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Howden Life & Health

Howden Life & Health: Here for you, no matter what

At Howden Life & Health, we know that life can bring unexpected challenges, and everyone’s situation is unique. Whatever challenges you’re facing, our commitment is to be here for you, offering support, reassurance, and guidance when you need it most. Below, you’ll find ways we can assist in various situations, along with resources to empower you to make the best decisions for yourself.

Insurance Post - The British Insurance Awards 2024 - Winner - Insurance Broker of the Decade
Insurance Post - The British Insurance Awards 2024 - Winner - Insurance Broker of the Decade
Trustpilot
Trustpilot

01 Mental wellbeing matters

Mental wellbeing matters

Mental wellbeing matters

When you’re going through a tough time with your mental health, even the simplest tasks can feel overwhelming. It’s okay to feel this way, and we’re here to support you, step-by-step, so you’re not going through this alone.

How we can support you:

  • Flexible, patient conversations: Whether you need extra time, prefer shorter calls, or find email easier, just let us know. We understand that everyone moves at their own speed, and we’re here to match yours.
  • Clear and simple information: We’ll walk you through each step with no rush. If it helps, we can provide summaries of our conversations, so you have something to review later.

Further resources:

02 Supporting you through illness

Supporting you through illness

Supporting you through illness

Facing or recovering from an illness can be a long, challenging journey. You deserve the time and space to focus on your health, and we’re here to help by making the details easier to manage. Let us provide support so you can concentrate on what matters most.

How we can support you:

  • Personalised assistance: If you find it easier to discuss things in the afternoons or prefer written updates, we can work around your schedule and needs.
  • Empathetic listening: We’re here to take things as slow as you need. For example, if you’d like to cover just one question at a time, that’s perfectly fine with us.

Further resources:

  • Maggie’s (Cancer Support) – Call 0800 888 6678 or visit maggies.org
  • Macmillan Cancer Support – Call 0800 808 0000 or visit macmillan.org.uk

03 Physical disabilities

Physical disabilities

Physical disabilities

Living with a physical disability means having unique needs, and we’re committed to ensuring your experience with us is as smooth and accessible as possible. You deserve the flexibility to manage things in a way that works for you, and we’re here to adapt to what suits you best.

How we can support you:

  • Support tailored to you: If you prefer written communication or find it helpful to include a caregiver in our discussions, we’ll make it work for you.
  • Respect for your time: We know things can take a bit longer. Whether it’s scheduling extra time for calls or offering detailed follow-ups, we’re here to adapt.

Further resources:

04 Hearing or visual impairments

Hearing or visual impairments

Hearing or visual impairments

We know that accessible communication is essential, and we’re ready to adapt to your preferences. Whether it’s large print documents or using Relay UK for phone calls, we’re here to make it easy for you to stay connected and informed in a way that works for you.

How we can support you:

  • Flexible communication: If you need large print materials or prefer Relay UK services, we’ll make it happen. Just let us know what works best for you.
  • Easy follow-ups: We’re happy to provide written summaries if you’d like to review information at your convenience.

Further resources:

05 New parents

New parents

New parents

Welcoming a new baby is both exciting and life-changing, with new routines and plenty to adjust to. We’re here to make it simple and straightforward, so you can focus on the moments that matter with your growing family.

How we can support you:

  • Flexible schedules: If it’s more convenient to speak after hours or during naptimes, we’ll work with your schedule.
  • Easy follow-ups: We can provide written summaries that you can review when you have a quiet moment, so you don’t have to worry about remembering all the details.

Further resources:

06 Recently lost your job

Recently lost your job

Recently lost your job

Losing a job can bring a lot of uncertainty, and it’s okay to feel unsure about what’s next. We’re here to help you explore options that make sense for your current situation.

How we can support you:

  • Policy review: Together, we’ll go over your policy to see what adjustments might help. If you’d prefer to discuss things in stages, we’re here to accommodate.

Further resources:

07 Income shock

Income shock

Income shock

A sudden change in income can make you feel like you’ve lost control, but you have the flexibility to adjust your coverage as your circumstances evolve. We’re here to help you make changes that keep you protected.

How we can support you:

  • Flexible coverage options: We’ll review your policy together and explore adjustments to suit your situation. For example, we can look at ways to temporarily reduce your coverage until things stabilize.

Further resources:

08 Caring for a loved one

Caring for a loved one

Caring for a loved one

Taking care of a loved one can be both rewarding and demanding. You don’t have to handle everything on your own, and we’re here to support you every step of the way.

How we can support you:

  • Personalised help: Whether you’d like a family member, friend, or carer involved in the conversation, we’ll make that happen in a way that works for you.

Further resources:

09 Bereavement support

Bereavement support

Bereavement support

Losing someone close to you is one of life’s most difficult experiences. It’s okay to take all the time you need, and we’re here to handle the details so you can focus on healing.

How we can support you:

  • A compassionate approach: We’ll support you at your pace. For instance, if you’re only ready to discuss one aspect at a time, we’ll make sure that’s all we cover during our calls.

Further resources:

10 Relationship changes

Relationship changes

Relationship changes

Going through a separation or divorce can be challenging. We’re here to help you make adjustments to your policy that reflect your new circumstances, so you can feel secure and ready to move forward.

How we can support you:

  • Policy adjustments: We’ll guide you through any updates and explore ways to ensure you’re covered. If you’d prefer written summaries or follow-ups, we’re happy to provide them.

Further resources:

11 Gender sensitivity

Gender sensitivity

Gender sensitivity

Your identity is an important part of who you are, and we’re here to ensure you feel respected and valued. We’ll work with you to make sure your details reflect who you are, and we’re ready to listen and adjust to your needs.

How we can support you:

  • Respectful service: If you’d like us to update your name, pronouns, or other personal details, just let us know. We’re here to ensure you feel fully supported and seen.

Further resources:

12 Domestic violence

Domestic violence

Domestic violence

If you’re experiencing domestic abuse, your safety and well-being are our top priorities. We understand that this can be a very difficult time, and you’re not alone. We’re here to provide compassionate and confidential support, ensuring you have access to the resources you need to feel safe and in control of your situation.

How we can support you:

  • Private and secure communication: If you need to update your contact information or explore secure ways to communicate, we’ll respect your need for discretion. For example, we can offer alternative communication methods to protect your privacy and ensure your safety.
  • Confidential policy support: If you require specific adjustments to your policy for safety reasons, we’re here to listen and make these changes confidentially, so you feel secure at every step.

Further resources:

13 Limited mental capacity

Limited mental capacity

Limited mental capacity

We know that processing complex information can be challenging, and we’re here to offer support that meets you where you are. Our goal is to make things straightforward and accessible, so you can feel informed and empowered, whatever your needs may be.

How we can support you:

  • Clear, simple language: We’re committed to explaining things in plain language and avoiding jargon to make information accessible.
  • Supporting your network: If you’d like to involve a friend, family member, or carer, we’re happy to include them in our conversations.

Further resources: