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Group Benefits
We understand that a company is only as strong as its workforce, that is why it is vitally important to protect the employees within a firm. Our Advisors will help guide your firm when deciding which benefits would best suite your company and work force. Group cover allows the company to put measures in place that protect the staff from many unforeseen circumstances that can disrupt the lives employees and their families.
What benefits are available?
Group Life Cover
Group life cover is a type of term insurance, also known as death in service benefit, which an employer may offer to their staff. It is set up by your employer to cover you while you are employed within their organisation.
Group Critical Illness
Group Critical Illness provides employees with the financial safety net of a tax-free lump sum payment if they become critically ill.
It allows all employees peace of mind knowing that, should a lifechanging diagnosis be given, they will not suffer financially.
You might also hear Group Critical Illness referred to as Business Critical Illness or just Group Critical, but they all refer to the same thing.
Private Medical for Business
Private medical insurance is a highly-ranked employee benefit. It provides fast access to medical treatment and, with several levels of cover and underwriting options to choose from, you can be assured Advisor will find the right product to suit your healthcare needs and business requirements.
Group Income Protection
Group income protection aims to provide an income to an employee when they are unable to work long term, as a result of an illness or injury. If the policy incapacity definition is met then payment starts after a deferred period. The deferred period is like a waiting period which is often 26 weeks but there’s a range of options to choose from. The payment can continue until the employee returns to work otherwise, depending on the options chosen, when they reach their state pension age.