Towergate Health & Protection

What Towergate Health & Protection does

Towergate Health & Protection, operating under the unified trading brand Everywhen, is a UK-based independent employee benefits advisory firm established in 2002 and authorised and regulated by the Financial Conduct Authority through two legal entities: Advisory Insurance Brokers Limited (primary) and Health and Protection Solutions Limited (subsidiary). The firm advises more than 15,000-16,000 UK business clients and supports over 750,000 employees through approximately 25,000 employee benefit plans, spanning small businesses, SMEs and corporate organisations. Its service portfolio covers healthcare benefits (private medical insurance, health assessments), group protection (life assurance, income protection), wellbeing services, international benefits, occupational health and absence management, pensions and financial wellbeing consultancy, benefits technology platforms, claims concierge, business protection, and benefits consultancy.

The underlying technology layer is not described in detail in the available data; the firm offers a "Benefits Technology" platform for administering employee benefit programmes, but no proprietary AI/ML systems, APIs or integration specifications are disclosed. Revenue is generated through commission-based placement of insurance and protection products, advisory retainers, and fees tied to benefits administration and consultancy engagements, with pricing provided on a quote basis rather than publicly listed. The go-to-market is multi-channel: direct enterprise advisory for corporate clients, broker and intermediary networks for SME clients, and partnerships with financial and mortgage advisers for smaller businesses and individuals, supplemented by affinity membership deals with Forces Pension Society, NARPO and NIRPOA. Marketing relies on content resources, webinars, industry publications and PR rather than paid digital performance channels.

The company is privately held with no disclosed parent, private equity backing, funding rounds, or public listing. It maintains a UK-only operating footprint from offices in London (2 Minster Court, Mincing Lane, EC3R 7PD) and Southampton (West Park House, 23 Cumberland Place, SO15 2BB), and reports 101-250 employees. The 2023 rebrand to Everywhen consolidated the two FCA-regulated entities under a single identity, and the firm has accumulated 23 industry awards plus an Investor in Customers Gold 2025 certification. No M&A activity, leadership changes, regulatory actions, or funding events are documented in the supplied data.

Name

Towergate Health & Protection

Legal name

Advisory Insurance Brokers Limited

Website

https://towergatehealthandprotection.co.uk

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

101–250 employees

Short description

Towergate Health & Protection (trading as Everywhen) is a UK FCA-regulated independent employee benefits adviser serving 15,000+ business clients and 750,000 employees across healthcare, group protection, wellbeing, pensions, and benefits technology services.

Ownership category

akta.pro rank

Product category

Employee Benefits Advisory and Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

akta.pro secondary industries

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD), Basic Group Term Life (Employer-Paid) (FSAIADAA)

Keywords

• Employee benefits advisory
• Group health insurance
• Corporate wellbeing services
• Occupational health management
• Business protection insurance

Headquarters

HQ city

Southampton

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Distribution channels3 records

Marketing channels4 records

Core offering

Towergate Health & Protection (trading as Everywhen) is a UK-based employee benefits advisory and brokerage firm that helps businesses of all sizes design, procure, and administer employee benefits packages. Core offerings span healthcare (private medical insurance), group protection (life assurance, income protection), wellbeing services, occupational health and absence management, pensions and financial wellbeing consultancy, business protection, benefits technology platforms, and a claims concierge service. The firm acts as an FCA-authorised intermediary placing insurance and benefits products on behalf of employers.

Product overview

Everywhen provides a comprehensive employee benefits platform offering a range of advisory and administrative services. The core offerings include Healthcare, Group Protection, and Wellbeing Services for employee-facing benefits, complemented by Pensions and Financial Wellbeing Consultancy and Benefits Technology for administrative and financial management. The company serves small businesses, SMEs, and corporate clients through Benefits Consultancy and Claims Concierge Service, creating a complete employee benefits ecosystem. The company is a trading name of Advisory Insurance Brokers Limited and Health and Protection Solutions Limited, authorised and regulated by the Financial Conduct Authority.

Differentiator

Problem solved

Functional benefit

Products and services

• Healthcare
• Group Protection
• Wellbeing Services
• International Benefits
• Occupational Health and Absence Management
• Pensions and Financial Wellbeing Consultancy
• Benefits Technology
• Benefits Consultancy
• Claims Concierge Service
• Business Protection

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor and core.

• Forces Pension SocietyminorGTM or Marketing PartnerMembership partnership providing employee benefits services to members of the Forces Pension Society
• National Association of Retired Police Officers (NARPO)minorGTM or Marketing PartnerMembership partnership offering employee benefits services to retired police officers
• Northern Ireland Retired Police Officers Association (NIRPOA)minorGTM or Marketing PartnerMembership partnership serving retired police officers in Northern Ireland with benefits services
• Advisory Insurance Brokers LimitedcoreOthersRegulated insurance broker entity authorized by FCA; parent company for Everywhen brand
• Health and Protection Solutions LimitedcoreOthersRegulated entity authorized by FCA; parent company for Everywhen brand

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Ben (employee benefits platform): UK-based employee benefits technology platform offering flexible benefits, wellbeing and perks infrastructure to employers. Comparable in the SME/mid-market employee benefits segment but positioned as a digital-native alternative to traditional broker-led advisory models — represents the disruptive vector Everywhen must defend against.

Broad incumbents

• Ardonagh Group: Major UK insurance intermediary platform with multiple trading brands including Towergate, Everywhen and advisory businesses spanning commercial, personal and employee benefits lines. Highly comparable product set given shared Towergate/Everywhen brand heritage, but operates at group level with materially more capital, M&A activity and segment diversification.
• Willis Towers Watson (WTW): Global advisory, broking and solutions firm with a significant UK employee benefits practice across health, group risk, pensions and wellbeing. Comparable in advisory positioning and product breadth, though WTW operates globally and serves larger enterprise clients on average.
• Aon: Global insurance and reinsurance brokerage with a substantial UK Health & Benefits practice serving mid-market and corporate employers on group risk, healthcare, pensions and wellbeing. Comparable in service mix but materially larger, more diversified across geographies, and with broader consulting capabilities.
• Mercer: Global HR consulting and health & benefits advisory giant with a major UK practice serving corporate and mid-market clients across group health, protection, wellbeing and pensions. Comparable to Everywhen in product breadth and target segments, but operates at significantly greater scale and with global capabilities Everywhen lacks.

Direct peers

• PIB Group: UK-focused insurance broker consolidator with an employee benefits practice serving SMEs and mid-market clients. Comparable in UK mid-market brokerage model and independent advisory positioning, but actively consolidating via acquisition with private-equity backing.
• Punter Southall Group: UK financial services group with employee benefits consulting, pensions advisory and group protection capabilities serving corporate and trustee clients. Comparable in UK-focused advisory model and pensions/protection product mix, though with a heavier pensions actuary orientation than Everywhen.
• Drewberry Insurance: UK employee benefits and personal financial protection specialist advising businesses on group income protection, group life, private medical insurance and related benefits. Closely comparable in independent UK advisory model and SME/corporate target segments, though smaller scale.
• Howden Group Holdings: PE-backed UK insurance intermediary group with a sizeable employee benefits and health & protection division serving SMEs and corporates. Highly comparable on UK focus, independent-broking model, and SME segment targeting, but with the capital firepower and acquisitive growth strategy Everywhen lacks.
• Jelf / Marsh Commercial: UK insurance broker (now part of Marsh) with employee benefits advisory practice serving SMEs, mid-market and corporate clients across group health, protection and wellbeing. Comparable in UK brokerage model and SME segment focus, with backing from a global broking parent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/HealthTowergate

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Towergate Health & Protection