Service · Group Risk
Cover that pays out when it matters.
Group life, disability, dread disease and funeral benefits — designed, reviewed and supported so the promise on the brochure becomes reality at the claim.
01
What it means
Group risk benefits are the cover your business buys to protect employees and their families against death, disability and serious illness. We help you structure the right levels of cover, negotiate fair rates with insurers, and — most importantly — make sure claims actually get paid.
02
Who it helps
- Employers wanting to benchmark current group cover and premiums
- HR teams who've watched a claim drag on and never want it to happen again
- Companies adding or revising disability and dread disease benefits
- Employees who don't know what their family is actually covered for
03
Common employee questions
What is my family covered for if I die?
We explain your group life cover — usually a multiple of annual salary — plus any spouse or funeral benefits, and how the payout actually reaches your beneficiaries.
What happens if I can't work because of illness or injury?
Income protection and lump-sum disability cover replace income when you can't earn. We walk you through what triggers a claim and what to expect.
Can I top up my cover?
Most schemes allow voluntary top-ups. We help you decide what's worth it for your stage of life and dependants.
04
Employer outcomes
- →Cover levels benchmarked against your industry and risk profile
- →Competitive premiums — without paying for cover your staff don't use
- →A clear claims pathway so HR isn't the middleman in a crisis
- →Confidence that the benefit you promised will be honoured
Is your group cover doing what you think it does?
We'll review what you have, benchmark it, and stress-test it against a real claim.
Review my group risk