HSJ helps employers and organisations explore life and employee-benefit solutions designed around their workforce, existing arrangements and organisational requirements.
Employee benefits can form part of an organisation's wider people and risk programme. We help employers understand protection requirements and explore suitable market solutions.
Depending on the selected arrangement, employee benefit solutions may include:
Life protection arrangements for eligible members, subject to scheme terms.
Accident-related group protection under the selected arrangement.
Medical schemes structured around the workforce and selected benefits.
Protection programmes aligned to organisational requirements.
Life-related solutions according to the selected product.
Related group benefit arrangements where appropriate.
Life protection arrangements structured for eligible members of an organisation, subject to the selected scheme and policy terms.
Benefit programmes designed around the organisation's workforce, requirements and available product options.
Understand the organisation, workforce structure and benefit requirements.
Review existing arrangements where a scheme is already in place.
Establish benefits and levels of protection required.
Consider suitable insurance solutions according to requirements.
Help management and employees understand benefits and key conditions.
Provide ongoing servicing for administration, changes, renewals and claims-related matters.
Needs change over time. Scroll to follow a typical path and see what to review at each stage.
Personal accident and any employer benefits may be a start. Consider life cover as responsibilities grow.
Life and medical cover help protect a family if income stops.
Match life cover to obligations such as a mortgage and school fees.
Review savings, medical and legacy plans so protection fits your changing needs.