Group Risk Insurances

Looking after your workforce

Workers these days tend to think about more than just their salary amounts.

Many employers engage us to help put in place wider packages.  Feedback tells us this really helps incentivise staff and improve company morale.

Statistics also show that a well-rounded benefits package tends to reduce staff turnover rates.

Our corporate clients often choose to include insurance cover for their workforce.  This can prove invaluable to staff members and their families, should the worst happen. 

Looking after your workforce
Group Life

Group Life Insurance

An employee benefits package can provide life insurance for either some or all staff.

In most cases cover can be arranged without medical questions, and can bring peace of mind to your staff and their families.

Group life cover can be cheaper and involve less paperwork than individual policies.

Group Income Protection

In the event of absence from work, this insurance can provide up to 75% of salary for some or all staff (after a deferred period chosen by you).

This benefit is a popular choice for senior staff and can replace any individual cover, often on more favourable terms.

Group Income Protection
Group Critical illness

Group Critical Illness

This is often offered by employers alongside group life cover.

This can provide a lump sum payment to eligible staff (as defined by you) in the event of certain serious illness.

This benefit is popular to offer to senior staff and, again, can replace or enhance any individual cover.

Group Private Medical Insurance

Many employers offer access to private medical treatment should any of their workforce need it.

This benefit can be paid for by the employer, although it may affect employees’ tax positions. Cover can also be extended to include families.

This insurance is increasingly popular due to strain on the NHS, and can lead to a happier, healthier workforce with less time lost to illness.

Group Private Medical

Cover will cease on insurance products if premium payments are not maintained.  The Financial Conduct Authority does not regulate some aspects of Cashflow, Trust, Tax and Estate Planning.