Menu

Personal Protection

Life is full of uncertainties, but with the right protection in place, you can face the future with confidence. At Clear Employee Benefits, part of the Clear Group, not only can we help advise businesses on their health and protection requirements, we also help you protect your health, secure your income, and safeguard the financial wellbeing of you and your loved ones.

 

Adobestock 1767836052
Adobestock 511224752

Why personal protection matters

Illness, injury, or loss of income can place unexpected pressure on you and your family. Putting the right protection in place gives you peace of mind, knowing that whatever happens, you are financially prepared and supported.
Black Icon Employers Liability

Peace of mind

Black Icon Employers Liability

Financial security

Black Icon Employers Liability

Family protection

Black Icon Employers Liability

Long-term planning

Let's put you in touch with a specialist

Make a call or fill in the form
Want to speak to someone?

Call this number

clear group
Thank you for getting in touch. Your enquiry has been successfully submitted. Our team will be in touch shortly to assist you with your insurance needs.
Thank you for trying to get in touch. There was an issue with your submission. Please double-check your information and ensure all required fields are completed. If the problem persists, please contact our main number 020 7280 3450 for assistance.
Adobestock 614757619

How Clear Employee Benefits can help

Our specialist advisers take the time to understand your personal circumstances, priorities, and long-term goals. We provide clear, tailored advice designed around you, not generic products.
Black Icon Tick

Identify the right protection for your needs

Black Icon Tick

Simplify complex insurance decisions

Black Icon Tick

Support with insurance covers to help you manage inheritance tax efficiently

Black Icon Tick

Build long-term financial security with confidence

Our personal protection solutions

Our range of personal protection plans is designed to support you through life’s uncertainties, helping you protect your lifestyle, family, and future.

Life Insurance

Protect your family’s financial future.

Life insurance provides a tax-free lump sum to support your family if you pass away or are diagnosed with a terminal illness. It can help cover mortgage repayments, living expenses, and long-term financial commitments.

  • Tax-free lump sum on death or terminal illness

  • Cover available up to age 90

  • Level, increasing, or decreasing cover options

  • Joint life policies available

Critical Illness Cover

Financial support when health takes priority.

Critical illness cover pays a tax-free lump sum if you are diagnosed with a specified serious illness, helping relieve financial pressure and giving you the time to make necessary lifestyle changes.

  • Lump sum on diagnosis of listed conditions

  • Cover available up to age 85

  • Children’s critical illness options available

Income Protection

Protect your income if you can’t work.

Income protection replaces a portion of your income if illness or injury prevents you from working, helping you maintain financial stability.

  • Replacement income based on your earnings

  • Cover available up to age 70

  • Deferment options from as little as 4 weeks

Private Medical Insurance

Access private healthcare when you need it.

Private Medical Insurance gives you faster access to diagnosis and treatment away from the NHS, with choice and flexibility to suit your needs.

  • Access to a wide range of hospitals and consultants

  • Cover for cancer care, mental health support, physiotherapy, and more

  • Options to suit your budget

  • Cover for you and your dependants

International Private Medical Insurance

Designed for those living, working, or travelling abroad, international cover provides access to private healthcare in the UK and overseas.

  • Flexible geographical cover

  • Range of cover levels

  • Cover for you and your dependants

Covers to support Inheritance Tax Planning

Effective inheritance tax planning can help protect the value of your estate and ensure more of your wealth is passed on to the people you care about most. Plans available include:

  • Joint Life Second Death
    Lump sum payable on the second death, often used to meet inheritance tax liabilities.
  • Gift Inter Vivos Plans
    Designed to cover the reducing inheritance tax liability on lifetime gifts.
  • Whole of Life Insurance
    Provides long-term certainty with a guaranteed payout for inheritance tax planning or wealth transfer.

Note: Clear does not provide financial advice related to inheritance tax or legacy planning, and can only provide advice on insurance covers that support this.

Adobestock 329213610

Why Clear Employee Benefits?

  • Tailored advice built around your needs

  • Value-added extras such as digital health tools and wellbeing support

  • Experienced advisers ensuring appropriate, compliant solutions

  • Strength and scale of the Clear Group, including wider risk management expertise

Protecting your future doesn’t have to be complicated. Our expert advisers are here to guide you through your options and help you put the right protection in place.

Why Clear?

Industry recognised for being people-first, our knowledgeable team of specialists support start-ups, SMEs, corporates, multinationals and individuals.

Trade specialists

Trade specialists

Broad and bespoke sector specialist insurance solutions, for peace of mind

Chartered status

Chartered status

Recognition of our commitment to maintaining the highest standards of knowledge, ethical practice and guidance

Exceptional service

Exceptional service

We're dedicated to providing exceptional customer service to proactively respond to the needs of our clients

The bigger picture

Stay informed about insurance news and its impact on you and your business