Death in Service
Group life assurance paying a multiple of salary to employees' families if they die while in your employment, a highly valued and tax-efficient benefit.
Attract and retain the best talent with competitive employee benefits. We arrange group life assurance, group income protection, group critical illness and group private medical insurance, structured to work for your business and your people.
Group insurance schemes allow employers to offer valuable protection benefits to their entire workforce under a single employer-managed policy, typically at a far lower cost per head than individual cover, and without the need for individual medical underwriting.
Pays a multiple of salary, typically 3–4 times, to the employee's family if they die while employed by you. Tax-efficient and highly valued by staff.
Replaces a percentage of an employee's salary if they are unable to work due to long-term illness or injury, reducing the burden on your business too.
Pays a lump sum to employees diagnosed with a covered condition, providing financial support at the most difficult time in their lives.
Fast-track private healthcare for all employees, managed centrally by HR with simple monthly billing and annual renewal.
Group insurance is one of the most cost-effective employee benefits available. Here are the schemes we arrange for businesses across London and Kent.
Group life assurance paying a multiple of salary to employees' families if they die while in your employment, a highly valued and tax-efficient benefit.
Replace employees' salaries if they're unable to work long-term, reducing the financial and operational burden on your business while supporting your people.
A lump sum paid to employees diagnosed with a covered serious condition, cancer, heart attack, stroke and more, providing vital financial support.
Fast-track private healthcare for all employees, ensuring they're seen quickly and can return to work faster, reducing long-term absence costs.
An affordable add-on dental and optical scheme for your staff, covering routine check-ups, treatments and contributions towards glasses or contact lenses.
Already have a group insurance scheme? We benchmark it against the full market and identify where you can improve cover, reduce cost or both.
We gather workforce data, ages, salaries, headcount, and understand your business objectives to design the right scheme.
We approach leading group insurance providers to obtain competitive quotations and compare cover, terms and premium rates.
We present a clear recommendation with full scheme design, benefit levels and pricing, structured to suit your budget and objectives.
We handle scheme implementation and help you communicate the new benefits to your employees clearly and effectively.
We review your scheme every year to ensure it remains competitive, reflects headcount changes and continues to meet your business needs.
Most group insurance schemes require a minimum of 2–3 employees, though some providers will consider smaller schemes. Group life assurance typically requires a minimum of 3 employees, while group PMI is available for 2 or more. We'll identify the most suitable providers for your headcount.
Registered group life assurance schemes set up under a registered pension scheme are exempt from P11D reporting under HMRC rules, making them highly tax-efficient for both employer and employee. Group PMI, however, is a taxable P11D benefit for employees.
Yes, most group PMI schemes allow employees to add partners and dependent children at preferential group rates. This is typically optional and paid for by the employee as an additional premium, though some employers choose to subsidise or fully fund family cover.
Group income protection is generally cheaper per head than individual policies and does not require individual medical underwriting, employees are covered automatically on a free cover limit basis. Individual income protection is personalised and portable but typically costs more and requires medical disclosure.
Yes, group insurance premiums are generally an allowable business expense for corporation tax purposes, subject to the usual rules around wholly and exclusively for business purposes. This makes group schemes a very tax-efficient way to reward and retain employees.
We recommend an annual review as a minimum, to account for headcount and salary changes, assess renewal premiums against the market, and ensure cover levels remain appropriate. We provide an ongoing annual review service for all group insurance clients.
A benefits package the workforce never engages with is wasted spend. Here is how we approach yours.
Whole-of-market access to all major UK group providers. We benchmark schemes against current market rates at renewal so you are not left on a stale, overpriced policy by default.
A scheme is only as good as the engagement around it. We support employer comms so your team understands what is available and how to use it, not just that it exists.
Group insurance is not just for large corporates. We structure schemes that work for SMEs, where every pound of benefit spend has to earn its keep against retention and recruitment outcomes.
Tell us about your team size and what you're looking to provide, we'll design a package and come back with competitive options.
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