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Financial protection & peace of mind during illness, injury or should the worst happen
Group risk benefits such as life insurance, income protection and critical illness cover can provide your employees and their families with a level of protection and financial support to help them during long-term absence or injury, critical illness or in the event of their death.
Group risk benefits are widely considered to be the foundation of any employee benefits package and are highly valued by employees. And they are often much more cost-effective than you might expect. They demonstrate that you care about your employees and are invested in their health and wellbeing inside and outside of work. They give your people peace of mind that support is in place during times of crisis. This can lead to improved engagement and boost employee morale, motivation and productivity.
For businesses to succeed, they need to have the right people in place, so it’s important to attract the best talent and retain them. Group protection benefits are a great way to differentiate yourself from the competition to prospective employees and to retain top talent too.
Benefits for your business
Cost-effective and tax-efficient
Group Life Assurance and Group Income Protection are affordable to implement, with premiums typically tax-deductible and not treated as a benefit in kind for employees.
Drives talent retention and attraction
Both benefits are highly valued by employees — and increasingly expected. They help you stand out in a competitive market and show you're serious about supporting your people.
Promotes a caring, wellbeing-first culture
Offering these benefits sends a clear signal that you prioritise health, wellbeing, and financial security. It's a powerful way to demonstrate your duty of care as an employer.
Reduces absence and boosts productivity
Income protection can support early intervention and prevention, helping you manage health issues before they result in long-term absence — protecting both your people and your business.
Includes added-value support services
Many policies come with extra benefits, like mental health support, bereavement counselling, and return-to-work services — offering real help when it’s needed most.
Benefits for your people
Financial security in the worst moments
Group Life Assurance offers peace of mind — ensuring employees’ loved ones are protected if the unthinkable happens. Their family receives a tax-free lump sum, usually exempt from inheritance tax and estate calculations.
No medical underwriting in most cases
Most employees are automatically covered, without needing to go through medical checks or long questionnaires.
Support when illness disrupts life
Group Income Protection steps in when employees can’t work due to illness or injury — offering financial stability during difficult times.
Personalised rehabilitation and return-to-work pathways
Employees get access to specialists who support their recovery and help them return to work safely and confidently.
Proactive wellbeing support
Many policies include tools to detect, prevent, or manage health issues early — before they become more serious or lead to long-term absence.
Access to added-value services
From Employee Assistance Programmes (EAPs) and mental health helplines to online GP services and counselling, employees receive practical help when they need it most.
Expert guidance and support
If you're considering group risk benefits for the first time or seeking to optimise the benefits you currently have in place, our team of specialist consultants is here to help you. We understand that each business is unique, and that's why we provide independent and impartial advice tailored to the specific requirements of your business, your employees, and your budget.
With our experts guiding you, you can have confidence that you're making the right decisions for your employees' healthcare needs. Your wellbeing and that of your employees are our top priorities, and we are committed to ensuring you're in good hands every step of the way.