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Group Income Protection for staff peace of mind
Group Income Protection pays a percentage of a staff member’s salary if they are unable to work due to long-term injury or illness. The money is paid to the employer to pay on to the employee through payroll. Employers can choose both how long until the first payment is made, and how long the benefit is paid for. Group Income Protection gives your people peace of mind, knowing that they will receive a monthly income to cover their living costs whilst not working.
Group Income Protection can come with Employee Assistance Programmes.
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 does Group Income Protection cover?
If an employee cannot work due to a medical condition or injury, the policy pays a proportion of their gross salary (typically between 50% and 80%). The payments go directly to the employer, who then passes them on to the employee via the payroll system.
Who owns and pays for the policy?
The policy is purchased and owned by the employer. Employers can choose whether to fund the premiums entirely themselves or offer it as a voluntary scheme where costs are shared.
How long are the payments made?
Benefits usually begin after a pre-agreed waiting period, and can be paid for a set number of years (e.g., 2 to 5 years) or until the employee reaches their State Pension Age.
Let’s talk about your financial goals
For a detailed, confidential and without-obligation discussion, please get in touch.
Get in touch