Howden Life & Health

Howden Life & Health

Howden Life & Health

Your referral partner for life insurance, health insurance, business protection

Meet the team

Ian Sawyer

Director

Samantha Cross

Relationship Manager

Andy Leonard

Relationship Manager

About Howden Life & Health

Howden Life & Health is an award-winning* specialist insurance broker, providing access to a wide range of life and health insurance policies. Committed to delivering personalised and impartial advice, Howden simplifies the process of finding the right cover by comparing options across the market.


With over 170,000 clients, Howden understands that every individual has unique needs. Their team of experienced advisers is dedicated to offering tailored solutions that reflect each client’s specific circumstances, budget, and lifestyle, providing guidance every step of the way to ensure clarity and confidence in their choices. Our specialist areas are life insurance, private medical insurance, income protection, accident sickness and unemployment cover.

Howden Life & Health are proud to be founding members of the Protection Distributors Group (PDG) and executive members of The Association Of Medical Insurers and Intermediaries (AMII)

Howden Life & Health is a Trading style of Howden Employee Benefits & Wellbeing Limited which is part of the Howden Group. Authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 312841).

Howden Life & Health’s panel of insurers

...and many more

Why trust Howden Life & Health


  • Recognised excellence: *Named Insurance Broker of the Decade at the British Insurance Awards 2024, Howden is known for its commitment to high standards of service and customer care.
  • Independent, impartial advice: By working with a variety of providers, Howden offers a comprehensive view of the market, ensuring recommendations are unbiased and focused on what’s best for each client.
  • Tailored solutions with expert underwriting guidance: Understanding that no two clients are the same, Howden provides personalised advice that considers individual health histories, unique requirements, and offers expert guidance on underwriting options.
  • Free service and comprehensive support: From comparing policies to managing renewals, Howden provides their expertise and support at no extra cost to the client, ensuring a seamless experience throughout the insurance journey.
  • Commitment to value: With a Price Promise Guarantee, Howden matches any lower price found for the same cover and provides a personalised cashback, ensuring clients get the best value for their money.
  • Highly rated by clients: With a 4.9-star rating, Howden Life & Health is consistently recognised for its dedication to reliability and customer satisfaction.
Legal General awards

Commission Shares

Life Insurance 40% (of initial indemnity commission, Ave: £201 to member)

Health Insurance 40% (of year 1 front loaded commission, Ave: £193 to member)

Income Protection 40% (of Initial indemnity commission, Ave £219 to member)

Accident Sickness and Unemployment 100% (of year 1 renewable income, Ave £89 to member)

Business Protection (Key Person, Shareholder, Relevant etc) 40% (of Initial indemnity commission, Ave £219 to member)

Group Life or Health 40% (if initial commission) 100% (if flat commission, of year 1)

What is Your rewards

Free for every policyholder

  • A free will worth up to £130 with every policy, from MyLastWill
  • Helplines for financial, legal, bereavement, physical and mental health support, from Health Assured
Assured Rewards image, Valuable FREE additional services whilst a client of Assured Futures: Free Will, free prize draw, free Health support