17 - 28 November
Your 2026 FYB Flex Annual Enrolment window
Part of what makes American Express a great place to work are the best-in-class benefits and programmes we offer you and your loved ones to support your holistic well-being. And it’s now time to select your benefits for 2026. There’s a lot to consider when choosing the best benefits for you and your loved ones, and we encourage you to review your options.
Read below to discover your 2026 benefits.
17 - 28 November Your 2026 FYB Flex annual enrolment window.
Part of what makes American Express a great place to work are the best-in-class benefits and programmes we offer you and your loved ones to support your holistic well-being. And it’s now time to select your benefits for 2026. There’s a lot to consider when choosing the best benefits for you and your loved ones, and we encourage you to review your options. Read below to discover your 2026 benefits.
Make the most of your flexible benefits
Log in to FYB Flex between 17 - 28 November 2025 to choose the benefits that work for you and your loved ones.
Reasons to Flex your Benefits
Your leave, your way Buy or Sell up to 5 days of annual leave. Whether you need extra days for a grand adventure or want to sell days you don’t need, this benefit provides flexibility to suit your lifestyle. Find out more.
Check your rates Healthcare and Dental costs have increased for 2026. If you pay for dental cover at level 3 or above, make sure you are comfortable with the costs for 2026 on FYB Flex. Find out more.
Boost your financial well-being This is the only time of the year you can select Critical Illness Cover for you and/or your partner. For just a small cost, this benefit gives you peace of mind by paying out a tax-free lump sum if you’re diagnosed with a qualifying illness. Children are covered at no extra cost, too. Find out more.
Gain peace of mind and provide for your loved ones You can only make changes to your Life Assurance during these dates. Increase or decrease your cover to suit your circumstances and update your beneficiaries to make sure your loved ones are provided for in the future. Find out more.
Put family first! You can only add your loved ones to our health and dental plans during these dates. Find out more.
Your Annual Enrolment Checklist
Log in to FYB Flex and complete these actions to maximise your enrolment this year:
- Think about your circumstances – what do you want to prioritise this year?
- Make sure all dependant details on FYB Flex are up to date and add any new ones
- Check new rates on benefits for the year ahead
- Select your benefits
- How paying for benefits via Salary Sacrifice works
- Check out and make sure you receive your confirmation email. If you haven‘t received one, your choices haven‘t been submitted
There are some benefits that can only be selected during this window – so don‘t miss out!
Your 2026 Annual Enrolment Benefit Choices
Annual Enrolment Open
RATE INCREASE FOR 2026
Healthcare Scheme
All colleagues are enrolled with single cover. You can add dependents during the annual enrolment window or opt out if you wish to. Check FYB Flex for 2026 rates. Your current healthcare selection automatically rolls over, so check if your cover suits you.
Annual Enrolment Open
RATE INCREASE FOR 2026
Dental Scheme
In 2026, all colleagues will receive level 2 single cover from Bupa as a company funded benefit. This can be increased up to level 5 for you and your dependents. Check FYB Flex for 2026 rates.
Annual Enrolment Open
RATE HELD FOR 2026
Critical Illness Cover
This is a voluntary benefit (no core cover). During annual enrolment you can adjust cover for yourself and your partner. Children aged between 6 months and 18 years are automatically covered at the same level as you. Insurance may pay out a lump sum designed to help you adapt if you make a claim.
Annual Enrolment Open
Buy & Sell Holiday
All colleagues can buy or sell up to five days of annual leave for the year ahead. For part- time Colleagues, this will be pro-rated and converted into hours. Check FYB Flex to see how this affects your take home pay. Your holiday entitlement in ePayroll will be updated for January 2026.
Annual Enrolment Open
RATE INCREASE FOR 2026
Life Assurance
All colleagues receive four times annual salary cover as a company paid benefit. During annual enrolment you can select up to twelve times salary cover (in increments of two times salary each year). Remember to keep your Nomination of Beneficiaries up to date in FYB Flex.
Annual Enrolment Open
RATE INCREASE FOR 2026
Health Screenings
American Express provides annual health screenings for all colleagues. These screenings are designed for different age groups and differ accordingly. During annual enrolment you can select your preferred level of health screening for yourself and your partner if you wish.
At work: The Square | FYB Flex UK Anytime on any device: fybflexuk.com
This guide is designed as an aid to understanding. Every effort has been made to ensure accuracy in the guide, however FYB Flex is the system of record for benefit information and rates. Benefit providers may amend terms & conditions related to each benefit.