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Group Life Cover is a very attractive benefit
This is a policy, paid for by the business, that gives all of its employees life cover. It is a great benefit for attracting and retaining staff. Again, it is very flexible: you can add remote GP access, remote physiotherapy, ‘Employee Assistance Programmes’ and so on. It can also be set up to reward different levels of responsibility.
How we work
We will sit down with you to understand your business and how best to protect its ongoing viability and success. We will explain the complete range of options available to you, detailing the pros and cons of every product. The benefit to you is that we can offer every product on the market.
Many brokers will claim to offer ‘whole of market,’ but that may just mean that they offer every kind of product, but that they are all from the same insurer. Independent means that we can offer every kind of product from every insurer.
Benefits
- A single point of contact at all times
- Advice from as early in the process as you need
- Access beyond us to over 30 experienced advisors for the more obscure questions
- Access to every type of product from every insurer – we are truly independent
- By your side all the way
- Annual reviews at the very least
Why choose us
Sometimes it seems that there are almost as many financial advisors as there are financial products. Why should you choose us. We think there are many reasons of course, but among the most important are the following:
- We are truly independent and can access the whole of the market.
- We are advisers, not salespeople.
- We are transparent in our costs and fees.
- Our extraordinarily high rate of returning customers shows that people enjoy dealing with us.
This last is perhaps the most important. The proof of the pudding is in the eating. If we did not give our customers great service, they simply would not return.
Your personal and corporate protection specialist
Coran Stubbington
Coran worked as a bank manager for 20 years, on the South Coast and in London. She was made redundant in 2019, moved into the world of Business Development Management, joining Protection and investment in 2023. She is delighted to return to her roots to selling financial services, which is something she has done for 27 years. She specialises in protection, especially for business owners and teams, helping owners protect the business, themselves, their family and their staff. She has teenage twins – a boy and a girl – and a dog called Branston. She loves hosting events.
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Joe Bloggs, Managing Director
FAQs
What is the "Free Cover Limit" (FCL)?
For Employers/Employees: this is the maximum coverage amount an employee can receive under the scheme without having to provide medical information. If an employee’s calculated benefit exceeds this amount, they will need to complete medical underwriting.
How much does the policy cost, and who pays?
For Employers: the employer purchases the policy and pays the premiums, which generally qualify as a tax-deductible business expense. Costs are based on the overall demographics of your workforce (e.g., average age, industry type, and total salary roll) rather than individual health.
Will the payout be subject to Inheritance or Income Tax?
For Employees: generally, no. In the UK, payouts are usually set up through a discretionary trust, meaning the money does not form part of your estate and escapes Inheritance Tax. It is also not classified as a P11d benefit, so employees pay no extra income tax on it.
Can contract or part-time staff be included?
For Employers: yes. Provided staff members are on the payroll, receive a regular salary, and meet eligibility criteria (such as minimum age or passing a probation period), they can usually be included in the scheme.
What happens to the cover if I leave the company?
For Employees: your coverage ceases as soon as you leave or retire. However, some insurers offer a “conversion option” that allows you to transition the policy to a personal life insurance plan without full medical underwriting (though this usually comes at a much higher cost).
Are there extra perks beyond the payout?
For Employees: yes. Many group life insurance schemes include valuable workplace support services at no extra charge, such as bereavement counselling, probate advice, and Employee Assistance Programmes (EAPs)
Let’s talk about your financial goals
For a detailed, confidential and without-obligation discussion, please get in touch.
Get in touch