Employee Focused

Executive Income Protection

Executive income protection provides employees/directors sick pay cover by paying their monthly salary when incapacitated to work through accident, illness or injury.

Would you like to know if your employees can provide for their families month to month even when they are off long-term sick, giving them financial peace of mind to focus on their health?

The business also benefits by covering Employers NI & Pension contributions, which also provides the business financial peace of mind.

This cover has tax efficiencies, for both the business and individuals:

Why Do you Need it?

Provides monthly income for the business by protecting against the financial impact of their employees being incapacitated to work – pays their sick pay.

Who Will It Benefit?

All Employees Includes: earnings, dividends and P11D benefits. Additional cover can also include Employers NI & Pension Contributions.

What are the Tax/National Insurance Efficiencies & Implications?

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Relevant Life Plans (RLP’s)

RLP’s provide employees with a death in service benefit by paying a lump sum upon diagnosis of a Terminal Illness and Death.  Significant Illness can now be covered.

Would you like to know your employees’ families have additional financial peace of mind?

This cover has tax efficiencies, for both the business and individuals:

Why Do you Need it?

Provides life insurance for premature death or Terminal Illness diagnosis for employees on an individual death in service benefit.

Who Will It Benefit?

All Employees!

What are the Tax/National Insurance Efficiencies & Implications?

Private Medical Insurance (PMI)

PMI provides employees with private medical health care with high-quality facilities and bypasses the NHS waiting lists.

Would you like to know your employee can get treatment when they need it?

This cover is a great employee benefit and complementary for Key Person protection to ensure they are back to work sooner rather than later for acute conditions including Critical Illnesses

Why Do you Need it?

Allows employees to get treatment promptly without lengthy NHS wait lists so they can return to work faster and help reduce absenteeism costs.

Who Will It Benefit?

All Employees Ideal for Directors and Key People. 

What are the Tax/National Insurance Efficiencies & Implications?

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