Group Protection

Group life

The effect of any death is devastating to the family concerned. When you have a group life policy in place, we can provide financial assistance to a deceased employee’s family, lessening the burden of worry at a stressful time.

Group life, also known as death in service benefit is usually provided by an employer as part of a benefit package. As the most common employer benefit in the UK, group life can be a very important addition to a growing family.

What is included
  • Lump sum payment if you die whilst employed and eligible for cover
  • Minimum group size: five
  • No medical underwriting below free cover limit
  • Fixed benefit or multiples of salary
  • Payments are paid direct to the family of the deceased

If you would like further information, speak to an expert today

Group critical illness

Group critical illness cover pays a tax-free lump sum directly to an employee should they suffer a critical illnesses as defined within your policy – cancer, heart attack, stroke and neurological conditions make up 75% of all claims. There are options to add additional illness on most policies.

What is included
  • Lump sum payment if you suffer a critical illness whilst employed and eligible for cover
  • Minimum group size: five
  • No medical underwriting below free cover limit
  • Fixed benefit or multiples of salary
  • Payments are paid direct to the individual.
  • Pre-existing conditions are covered in most cases

Group income protection

Group income protection provides tax free financial benefits and support getting back on your feet if unable to work due to long term illness or injury.

What is included
  • Benefits are based on annual earnings
  • Paid until a chosen age or limited to a specified number of years
  • Minimum group size: five
  • No medical underwriting below free cover limit
  • Payments are paid direct to the individual
  • Pre-exsiting conditions are covered in most cases
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