Protect and reassure your employees, colleagues and their loved ones by offering a range of protection products.
Life Insurance is a simple, cost-effective way to protect your family financially when they are at their most vulnerable.
Easing the financial burden at difficult times, it pays a tax-free lump sum upon death of the insured and may be used, for example, to support school fees planning, pay off a mortgage (residential or commercial), clear debts, cover funeral costs or just help out financially until children are old enough to support themselves.
Group Critical Illness Cover
Critical Illness Cover for employees and colleagues provides a tax-free, cash payment if they are diagnosed with one of the critical illnesses listed in the policy. These will vary by policy but typically include 50 illnesses, with cancer, heart attack, stroke and MS the top four illnesses claimed-for.
The money paid out can be used to make life easier, allowing the policyholder to focus on getting better sooner. It could be put towards medical treatment, mortgage, rent, household bills or perhaps adjustments to a home or car.
Cover can be purchased as a stand-alone policy or added to other protection policies (such as Income Protection or Life Insurance) to enhance the benefits. Children are usually covered under the plans free of charge.
Group Income Protection
Being unable to work can have many serious effects, not least a loss of income.
Income Protection insurance pays up to 60% of gross salary if the policyholder is unable to work through sickness or accident. The payment provides a regular income, giving peace of mind to the policyholder and their family at a difficult time.
The tax-free payment is paid until normal retirement date (or return to work, if sooner). If the policyholder returns to work in a reduced capacity, the policy will continue to pay out at a reduced level.
As long as the premiums are maintained, cover is guaranteed for the duration of the plan, meaning claims can be made as many times as required.
Our expert advisers will help you choose the most suitable policy
We will work with you to identify a scheme that matches your needs and budget.