Employee benefit protection.
Group protection benefits can help employers offer meaningful support to their teams, from death-in-service cover to income protection and healthcare.
Friendly advice, tailored to your circumstances. Product terms, underwriting and exclusions apply.
How does this cover work?
Depending on the scheme, an employer may arrange group life assurance, group income protection, group critical illness or medical cover for eligible employees. Terms and insurer requirements differ by scheme.
The right amount and type of cover depends on what you want to protect, your existing arrangements and your budget. An adviser can explain which features matter and what a policy may not cover.
Things worth checking
- Review staff numbers, eligibility, budget, administration and ongoing costs before selecting benefits.
- Explain benefit limits, exclusions, joining or leaving rules and any evidence-of-health requirements.
- Tax, National Insurance and benefit-in-kind implications can differ between schemes. Confirm the details with payroll and your accountant.
Frequently asked questions.
Does a small company need a large group scheme?
Not necessarily. Some companies consider individual arrangements such as relevant life policies instead; suitability depends on the workforce and providers' minimum requirements.
Can private medical insurance form part of benefits?
Yes. Some employers include private medical cover in a wider benefit package, subject to eligibility and the employer's tax and benefit obligations.
Not sure what to choose?
We can talk through your priorities, existing cover and available options, with no pressure to take out a policy.
Talk to a protection adviser ↗No policy provides cover for every eventuality. The insurer's terms, conditions and exclusions determine the benefits payable.
Related protection options.
Relevant life insurance
Company-funded life insurance can be a way for a business to provide an individual death-in-service benefit to an eligible employee or director, without a full group scheme.
Explore coverPrivate health insurance
Private medical insurance may offer access to eligible private consultations, diagnostics or treatment for covered conditions, depending on the policy and hospital network.
Explore coverBusiness protection insurance
Protecting a business isn't only about buildings or equipment. A business can also depend on the people who generate income, manage clients and make decisions.
Explore coverFurther information: Government guidance: insuring and supporting employees ↗ This is general guidance, not a personal recommendation or tax advice.