Group Risk Benefits

Protecting your people, safeguarding your business

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Financial protection & peace of mind during illness, injury or should the worst happen

Group risk benefits such as life insurance 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 risk benefits in more detail

Life can be unpredictable, but with Group Life Assurance you can give your employees the reassurance that their loved ones will be financially protected if the worst should happen.

A lump sum payment, usually based on a multiple of the employee’s salary, can be tailored to your business and your people’s needs. It’s one of the most valued and affordable benefits you can offer – showing your commitment to your employees’ wellbeing beyond the workplace.

Why it matters:

  • Affordable, tax-efficient protection for your workforce

  • Demonstrates your duty of care as an employer

  • Helps you attract and retain talent in a competitive market

  • Gives employees and their families financial security during life’s hardest moments

A critical illness can change everything in a moment. Group Critical Illness Cover provides your employees with a tax-free lump sum if they are diagnosed with a serious medical condition such as cancer, heart attack or stroke.

This cover not only gives them financial breathing room to focus on their recovery, but also shows that you’re there for them when it matters most. Many policies also include added-value features like wellbeing apps and Employee Assistance Programmes, helping them on their journey back to health.

Why it matters:

  • Financial support during a life-changing health crisis

  • Paid directly to the employee, tax-free, to use however they choose

  • Can improve engagement, loyalty, and productivity

  • Demonstrates a genuine commitment to employee health and wellbeing

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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.

Our expert consultants can guide you if you're considering group private medical insurance for the first time or reviewing existing benefits. We ensure the chosen plan meets your employees' needs, considering factors beyond price and terms.

Group protection made simple, affordable, and effective.

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