Our specialist protection team concentrates on supplying costeffective solutions for all your needs.

The team is expert in identifying new areas or where existing levels of cover can be improved or extended to provide a more comprehensive package. In many cases, benefits can be provided WITHOUT cost and/or the need for medical evidence.

The team can provide quotations and advice for employee groups of three and above.

Group Business Travel
Comprehensive cover for business or business and leisure inclusive of winter sports.

Death in Service (Group Life) Cover
Probably the most cost-effective employee benefit available. Such plans typically pay a lump sum (for the benefit of an employee's dependants) in the event of an employee's death.

At a difficult time for all concerned, such a plan will help the employees family overcome any short term financial liabilities and also minimize any difficult moral obligations on the employer.

Group Income Protection
Such plans replace a fixed percentage of an employee's salary in the event of long term illness or injury. They are very much appreciated by employees who recognise that this provides a vital "safety net" to their income stream.

Group Personal Accident Cover
Low cost cover for personal injury at work or during leisure time around the clock on a world wide basis.

Group Dental
Cover for routine dental treatment for groups of five or more. Cover can vary from covering NHS fees only to a majority of the cost for private treatment.

Group Optical & Dental Cash Plans
Available for company paid groups and includes additional benefits.

Group Private Medical Insurance
Cover for eligible private treatment of medical conditions with a wide range of benefit options to choose from.

Executive Health Screening
Wide range of options from basic tests to full screening including electrocardiogram testing.

Group Voluntary Schemes
For employers with more than 500 employees who wish to offer a range of health related insurances such as:

Private medical insurance

Dental cover

Personal accident cover

Employee Assistance Programmes
Telephone based counselling or inclusive of consultations for groups of 25 or more.