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Life insurance for people and futures.
Life cover for employees, borrowers and individuals, with savings-linked options and annuities for retirement income.
01
Group Life
Life cover for employees that pays a benefit to their beneficiaries if the unthinkable happens, arranged under one policy for the whole group.
Proposed digital route: Employer portals and payroll partners
Typically includes
- Benefit paid to the member’s nominated beneficiaries
- Sum assured set by an agreed basis for the group
- Simple administration for employers, with one policy and one renewal
Ideal for
Employers of any size, from SMEs to corporates and public bodies.
How HAT helps
We compare insurer terms, explain the benefits in plain language, place the cover and administer the policy through to claim and renewal.
02
Credit Life
Cover linked to a borrower’s outstanding loan, settling or reducing the balance following an insured event.
Proposed digital route: Lender and fintech loan journeys
Typically includes
- Outstanding loan balance addressed after an insured event
- Protects the borrower’s family from inheriting the debt
- Can sit inside the loan application journey
Ideal for
Banks, lenders, fintechs and their borrowers.
How HAT helps
We compare insurer terms, explain the benefits in plain language, place the cover and administer the policy through to claim and renewal.
03
Individual Term Life
Life protection for a specified period, giving your family a financial safety net while they depend on you.
Proposed digital route: Mobile enrolment and renewal reminders
Typically includes
- A fixed term of cover that you choose
- A lump sum for your beneficiaries if you pass away within the term
- Straightforward protection without a savings element
Ideal for
Parents, breadwinners and anyone with financial dependants.
How HAT helps
We compare insurer terms, explain the benefits in plain language, place the cover and administer the policy through to claim and renewal.
04
Savings-linked Life
Life protection combined with a savings component, so you build funds towards future goals while staying covered.
Proposed digital route: Digital advice and recurring contributions
Typically includes
- Life cover and savings in a single plan
- Regular contributions over an agreed period
- Benefits depend on the selected plan
Ideal for
Individuals planning for education, retirement or other long-term goals.
How HAT helps
We compare insurer terms, explain the benefits in plain language, place the cover and administer the policy through to claim and renewal.
05
Annuity
Regular income in retirement, paid according to the selected annuity terms.
Typically includes
- A predictable income after retirement
- Options and terms depend on the selected annuity
- A complement to pension arrangements
Ideal for
Retirees and people approaching retirement.
How HAT helps
We compare insurer terms, explain the benefits in plain language, place the cover and administer the policy through to claim and renewal.
Why it matters
Protection for the people who depend on you.
Life insurance is about the people you look after. Whether you are an employer protecting staff, a lender protecting borrowers or an individual protecting your family, the right cover turns uncertainty into security.
- Group cover for employees, supporting their beneficiaries
- Cover linked to loans, so debts are not left behind
- Savings and retirement income options for the long term
HAT helps clients select cover, administer policies and manage claims. Policy terms and underwriting apply.
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Compare coverage →Ready to protect what matters most?
Tell us what you need to protect and a named HAT broker will quote the market and come back with clear terms and pricing.