Life and Disability insurance gives individuals the peace of mind people only get from knowing that they have protected their loved ones in case of death, accidents, critical illness or disabilities. Lockton offers various life and disability solutions through our panel of solid and specialized insurance partners.

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Individual Life & Disability Solutions

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Individual Life & Disability Solutions

    Life and Disability insurance provides individuals with the peace of mind people only get from knowing that they have protected their loved ones in case of death, accidents, critical illness or disabilities. Lockton offers various life and disability solutions through our panel of solid and specialized insurance partners.

    Our specialists conduct a detailed need analysis based on lifestyle, expenses and disposable income to estimate an appropriate amount of sum insured which covers whether on work or on vacation, we ensure a 24/7 international coverage is in place through carefully selected plans suitable to individual and family needs.

    Latest news & insights

    Lockton Secures Reinsurance Licence in Saudi Arabia Appoints Mohammed Al Rowais as CEO for Reinsurance Lockton Secures Reinsurance Licence in Saudi Arabia Appoints Mohammed Al Rowais as CEO for Reinsurance

    Lockton Secures Reinsurance Licence in Saudi Arabia Appoints Mohammed Al Rowais as CEO for Reinsurance

    article
    Riyadh, Saudi Arabia - Lockton, the world’s largest privately held insurance brokerage, has secured its reinsurance licence in the Kingdom of Saudi Arabia. This marks the next phase of Lockton’s geographical expansion and reflects the firm’s broader internatio ...
    Read moreLockton Secures Reinsurance Licence in Saudi Arabia Appoints Mohammed Al Rowais as CEO for Reinsurance

    Political Violence & War Coverage

    Recent developments in the Middle East have led insurers to take a closer look at political violence and war risk across the region. For organisations with operations, assets or supply chains connected to the Gulf, this has created a more fluid environment for insurance discussions. Political violence cover exists to support organisations through periods of uncertainty. While uncertainty itself is not new, the pace at which market conditions are evolving has increased, making early awareness and timely conversations more helpful than usual.Recent developments in the Middle East have led insurers to take a closer look at political violence and war risk across the region. For organisations with operations, assets or supply chains connected to the Gulf, this has created a more fluid environment for insurance discussions. Political violence cover exists to support organisations through periods of uncertainty. While uncertainty itself is not new, the pace at which market conditions are evolving has increased, making early awareness and timely conversations more helpful than usual.

    Organisation Recovery

    Volatility and uncertainty are no longer intermittent challenges for businesses — they are part of day-to-day operations. Against the backdrop of tensions in the Middle East, businesses are navigating an environment where disruption can emerge quickly and from multiple directions. Yet what shapes performance amid this volatility has less to do with the disruption itself than with an organisation’s ability to respond, adapt and recover. Research from McKinsey & Company and SAP found that only around 25% of companies consider themselves to be fully resilient[1,2]. Those that can proactively build resilience in turn gain a competitive advantage. This moment calls for organisations to take a more deliberate look at how they strengthen readiness, resilience and protection across their people, finances and operations. Volatility and uncertainty are no longer intermittent challenges for businesses — they are part of day-to-day operations. Against the backdrop of tensions in the Middle East, businesses are navigating an environment where disruption can emerge quickly and from multiple directions. Yet what shapes performance amid this volatility has less to do with the disruption itself than with an organisation’s ability to respond, adapt and recover. Research from McKinsey & Company and SAP found that only around 25% of companies consider themselves to be fully resilient[1,2]. Those that can proactively build resilience in turn gain a competitive advantage. This moment calls for organisations to take a more deliberate look at how they strengthen readiness, resilience and protection across their people, finances and operations.

    Business Interruption Values

    When the commodity prices driving a business’s revenue shift as sharply as they have in early 2026, the assumptions built into an organisations insurance programme can quickly fall behind. This piece looks at what that means and where the gaps tend to appear. As of early March 2026, oil prices have soared. Although prices have sharply risen and then fallen back several times in response to the rapidly shifting nature of events, projections suggest a real potential surge to USD 150 a barrel. Global oil benchmarks have seen their strongest weekly uptick since 2020, and global natural gas prices have also risen sharply, extending their biggest gains since the energy crisis of 2022. With energy infrastructure in the GCC now also being subject to a (growing) number of attacks, and the near closure of the Strait of Hormuz, businesses of all types face uncertainties and interruptions. For any business whose revenue is connected to commodity markets, or indeed that is reliant on imports that travel through the Strait, these shifts raise a question that goes beyond market commentary: Does the cover sitting behind the business still match the income it is actually generating? Where declared values were set in a lower price environment, the answer increasingly is no.When the commodity prices driving a business’s revenue shift as sharply as they have in early 2026, the assumptions built into an organisations insurance programme can quickly fall behind. This piece looks at what that means and where the gaps tend to appear. As of early March 2026, oil prices have soared. Although prices have sharply risen and then fallen back several times in response to the rapidly shifting nature of events, projections suggest a real potential surge to USD 150 a barrel. Global oil benchmarks have seen their strongest weekly uptick since 2020, and global natural gas prices have also risen sharply, extending their biggest gains since the energy crisis of 2022. With energy infrastructure in the GCC now also being subject to a (growing) number of attacks, and the near closure of the Strait of Hormuz, businesses of all types face uncertainties and interruptions. For any business whose revenue is connected to commodity markets, or indeed that is reliant on imports that travel through the Strait, these shifts raise a question that goes beyond market commentary: Does the cover sitting behind the business still match the income it is actually generating? Where declared values were set in a lower price environment, the answer increasingly is no.
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    Our People solutions team bring creative thinking and an entrepreneurial spirit to the insurance business and are uniquely positioned to help you succeed.

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    Lockton People Solutions FAQs

    What is Lockton People Solutions?

    Lockton believes every business maximizes their potential when their people maximize theirs. That’s why we help our clients make their business, and their people’s lives, better. We know employers need solutions that help balance attracting and retaining talent, manage costs and promote employee well-being. Lockton helps guide clients to people solutions that drive employee understanding, engagement and satisfaction; incorporate competitive total rewards and benefits packages; and manage and measure the effectiveness of your programs.

    Lockton’s People Solutions Market Update offers comprehensive quarterly insights on the U.S. market dynamics impacting cost management, employee wellbeing, and benefits strategies. In our Q4 2025 edition, we explore the broader industry forces behind system-wide strain and connect high-cost claims analysis with a full picture of how widespread market pressures are shaping employer plan costs. You can find our latest market update here.

    We work with every client thinking about how we can best improve your employee experiences to drive engagement, understanding, satisfaction and productivity; design total rewards and benefits that increase perceived value and help attract and retain talent, while controlling costs; and help you make information-based decisions, measure and manage your programs, while driving a competitive business advantage amid an increasingly complex landscape.

    Lockton delivers a full suite of solutions in the following areas: employee experiences and engagement, total rewards and benefits, and management and measurement.

    Lockton is privately owned, which allows teams to prioritize client business. Our Associates are empowered to go above and beyond to help their clients succeed and the entrepreneurial culture at Lockton fosters data-driven solutions, solving problems faster and more efficiently.

    Lockton operates all over the globe through Lockton offices and a network of Lockton Global Partners.

    We can help with all M&A transactions from SME to large corporate.

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