Certua Life has partnered with employee benefits platform Heka to offer individual life insurance to employees through its Surely brand.
Employees at companies using Heka will be able to arrange individual life cover through the platform, with policies available from £5 a month.
The partnership is aimed at increasing access to protection among consumers who may not otherwise consider taking out life insurance.
According to the FCA’s Pure Protection Market Study interim report, published in January 2026, 72% of identified protection needs in the UK are not covered. The regulator said the gap persists partly because consumers "aren’t aware of their needs, and aren’t prompted to consider them".
Surely’s cover is reviewed at renewal, allowing customers to adjust their protection as their circumstances and needs change.
Tom Williams, CEO and founder of Certua Life, said: "Most people who need life insurance are never offered it, and what is offered rarely fits the life it’s meant to protect. Heka is the natural place to change that: a platform its members already use and trust to look after their wellbeing. From today, they can protect the people they love in the same place, with cover shaped around their own lives and built to change as their needs do. It’s time for something new."
Alex Hind, CEO and founder of Heka, added: "People do their best work when they're supported as individuals, and that means the whole picture, not just the parts that fit a benefits catalogue. With financial wellbeing such a hot topic, giving people ways to choose peace of mind from their benefits is timely and important. Surely fits Heka because it’s so flexible: most life cover is fixed on the day it's sold and never looked at again, while people's circumstances keep moving. Surely is built to be revisited as life changes, which is the same principle the rest of Heka runs on."
