Group Risk Benefits

Comprehensive Protection for Peace of Mind

Contact us

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—provide employees and their families with vital financial support during long-term absence, illness, or death.

Why these benefits matter

They form the foundation of any employee benefits package—highly valued by staff and often more affordable than expected. They signal that you care about wellbeing inside and outside of work, giving your people peace of mind in crisis. This can improve engagement, morale, motivation, and productivity.

Attract and retain talent

Offering group protection benefits helps differentiate your organization from competitors—and gives your business the edge in attracting and retaining top talent.

Group Risk Benefits in more detail

Group Life Assurance

Pays a lump sum to the employee’s loved ones if the worst happens—providing financial stability during challenging times.

Group Income Protection

Offers continued income and rehabilitation support if an employee cannot work due to illness or injury.

Group Critical Illness Cover

Provides a tax-free cash sum if an employee is diagnosed with a serious condition—easing financial pressure during recovery.

Expert guidance and support

Whether you’re exploring group risk benefits for the first time or seeking to enhance your existing package, our specialist consultants are here to support you. We provide independent, customized advice—aligned with your business, your people, and your budget.

Let’s secure your team’s future together.

Contact Howden today to explore tailored group risk benefit options that protect your people and support business success.

Get in touch

FAQs

They are employee benefit solutions—such as group life cover, income protection, and critical illness insurance—designed to provide financial support during serious illness, injury, or death.

They offer reassurance and financial support in times of crisis—helping employees stay focused on recovery rather than worrying about finances.

They strengthen your employee value proposition, boost engagement and morale, differentiate your employer brand, and can be surprisingly cost-effective.