Flexible benefits.

Experts in group protection flexible benefits

We offer a range of flexible protection benefits that can be designed to suit your client's budget and scheme requests, that also give their employees the choice of selecting certain levels of cover.

We're a leading provider of flexible benefits (Swiss Re Group Watch contributor data 2010). Our specialist flex consultants will help you tailor the right solution to fit your clients’ needs.

These days you don’t necessarily need complex administration in order to set up and run flex and voluntary benefits. However, incorporating group protection products does require specialist support. Every scheme is different and we use our expertise to bespoke our products to suit, whether it’s a simple solution for 100 employees or a complex arrangement for organisations with thousands of employees.

We offer a range of flexible core benefits for your clients to provide for their employees.

• Group Life Assurance - from 1 to 12 times salary. The maximum benefit we'll insure for death in service benefits is £10 million.
• Group Income Protection - voted product of the month by the Health Insurance magazine, our Multiflex solution now allows employees to flex up from 40% to 75% of their salary as well as flex out from a two year limited term basis, up until benefit termination date. We’ll pay benefit to the member’s state pension age up to a maximum of their 70th birthday.
• Group Critical Illness Cover - is available up to five times scheme earnings or £500,000, whichever is less.

We also provide voluntary policies for Group Life Assurance and Group Critical Illness Cover as well as optional cover for spouses, registered civil partners and unmarried partners.

What can you expect

• Flexibility on our quote guarantee period, giving you extra time to plan and prepare for a new scheme to be introduced.
• Client implementation meeting.
• Minimal form filling, with simple BACS payment facilities.
• Online tracking of medical underwriting.
• Specific rate tables for optional cover.
• Attendance at employee roadshows wherever possible.
• Employee literature plus information for intranet sites.
• Administration help and support. For new Group Life Assurance schemes, we’ll also provide draft trust documentation and rules.

You can find out more information in our  FAQ section and our. We’ve also developed a suite of marketing tools to help you deliver the right protection solution for your client.

You need to know

We’ll continue to provide cover and pay any valid claims as long as premiums are paid and the terms are met. Policy terms will be unique to each business and there are some circumstances where we won’t provide cover. More details of the benefits and exclusions can be found in our technical guide. We’ll give you the terms with our quote and you should read this together with our technical guide.

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