Your Trusted Health Insurance Broker in the UK
Navigating private medical insurance can be confusing. With countless providers, varying levels of cover, and complex policy terms, it’s easy to feel overwhelmed. That’s where Pineapple Insurance Services comes in.
We’re here to help individuals, families, and businesses across the UK find the most suitable private health insurance—without the hassle. Whether you need straightforward cover or something more comprehensive, we’ll guide you every step of the way.
What is Death in Service Benefit?
Death in service cover is a workplace benefit. If you die while employed by the company, your employer may pay a tax free lump sum to your nominated beneficiaries. This is known as a death in service payment, and it’s often linked to your company pension scheme. It’s typically calculated as two to four times your annual salary, but the exact amount depends on your employer.
These payments are usually made via a discretionary trust, which helps avoid inheritance tax and speeds up the payment process.
Life insurance cover is a personal policy you take out yourself. It pays a life insurance payout to your chosen beneficiaries if you pass away during the policy term. You choose the amount, the length of cover, and who receives the money.
Unlike death in service, your cover isn’t tied to your job. It continues regardless of who you work for, offering long-term protection that stays with you.
Who Is a Key Person?
A key person is someone whose loss would have a significant impact on your business. This could include:
• A founder or director
• A top salesperson or account manager
• A senior technician or specialist
• A strategic advisor or financial controller
• A lead developer or product designer
Also referred to as a key employee or key individual, their absence could affect operations, customer relationships, or revenue.
Does Key Person Insurance Cover?
If a key employee dies or is diagnosed with a serious illness, key person insurance pays a lump sum to the business. This money can help:
• Replace lost expertise
• Maintain day-to-day operations
• Support ongoing staff and suppliers
• Reassure clients and partners
• Help with loans or financial obligations
You can choose life cover only, or add critical illness cover for broader protection.
Comparison
| Who provides the benefit? | Death In Service | Life insurance |
|---|---|---|
|
Who provides the benefit? |
You, through an insurance provider |
Your Employer |
|
Payout Amount |
Typically 1-4 times your salary |
Flexible, based on your needs & policy choice |
|
Medical Exam |
No Medical Exam required |
May require, depending on policy |
|
Cost |
Low cost or free (employer paid) |
Premiums based on health, age and coverage level |
A health insurance broker acts on your behalf—not the insurer’s. Our role is to understand your priorities, search the market, and recommend the most relevant and cost-effective solution for your needs.
At Pineapple, we work with a wide panel of leading UK private medical insurance providers, giving you access to a broader range of policies than going direct. We also take time to explain your options in plain English—no jargon, no confusion.
Want help choosing the right policy? Get in touch today for a no-obligation chat.
Choosing to work with a broker like Pineapple gives you:
• Access to a wider choice of insurers and policies
• Independent advice tailored to your needs—not sales targets
• Help comparing key features such as outpatient cover, mental health support, cancer care, and hospital networks
• Ongoing support, including renewal reviews and policy changes
Our service ensures your health insurance is fit for purpose, cost-effective, and easy to manage. No guesswork—just clarity and support.
Every client is different. That’s why we don’t believe in one-size-fits-all policies.
Whether you’re:
• A sole trader seeking affordable private medical cover
• A family looking for broader protection
• A business owner wanting to offer staff benefits
we’ll help you build a policy around your exact needs.
We’ll also make sure you understand what’s included, what’s excluded, and how your cover works—so you always feel confident in your choices.
Ongoing Support—Not a One-Off
At Pineapple, our support doesn’t stop once your policy is set up.
As your dedicated health insurance broker, we provide:
• Help with claims or policy queries
• Adjustments if your needs or budget change
• Annual reviews to keep your cover relevant and competitive
Think of us as your long-term partner in protection—not a comparison website.
The Right Cover Brings Real Peace of Mind
Choosing the right private health insurance is about more than ticking a box—it’s about making sure you and your loved ones (or your staff) can access fast, high-quality care when it matters most.
At Pineapple Insurance Services, we help you:
• Understand your options clearly
• Access trusted providers across the UK
• Avoid overpaying for cover you don’t need
• Make changes as your life or business evolves
Contact us today for free advice, personalised support, and a better way to secure your health cover.
How Long Should It Last?
Policies are often linked to specific business needs—such as the length of a loan, a planned business exit, or a critical project. You might choose a short term (e.g. five years) or something more flexible depending on the risks involved.
What If the Key Person Suffers a Critical Illness?
Protect Your Business with Confidence
At Pineapple Insurance Services, we help businesses of all sizes assess risk and protect their most valuable people. Whether you’re ensuring a founder or senior specialist, we’ll recommend a solution that fits your company’s goals.
Our team will guide you through:
• Choosing the right cover level
• Understanding tax implications
• Managing renewals and policy changes
• Aligning your policy with other business protections
Talk to Us About Key Person Insurance
If your company relies on a key person to keep things running smoothly, now is the time to think about how your business would cope in their unexpected absence. Planning ahead can make all the difference when it comes to business continuity.
At Pineapple Insurance Services, we make keyman insurance easy to understand and straightforward to arrange. From explaining your options to tailoring the right level of cover, we’re here every step of the way.
Get in touch today for expert advice, flexible protection, and dedicated support you can rely on.
