Products
Life Benefits
- International group life business.
- Top up life insurance provided for high earning individuals.
- Confidential life.
- Critical illness.
Group Personal Accident and Illness
- Worldwide Protection against accidental death, permanent disablement, temporary disablement, medical expenses following accident or illness.
- Cover can be arranged to fills the gaps left by exclusions on other policies, e.g. terrorism; flying; travel to hazardous or dangerous areas.
- Customer profile: Companies with 2 or more staff including but not limited to; white collar employees; hazardous occupations; offshore workers; motor racing team personnel; pilots; journalists; ships crew; affinity groups and associations.
- Income protection top up or to buy down excesses on other policies.
Keyman
- Cover for high earning individuals, against death from any cause, permanent disablement or temporary disablement.
Catastrophe Personal Accident
- Provides valuable additional protection to increase the “event limits” imposed by life insurers following a catastrophic event.
- Full terrorism cover available, including nuclear, chemical and biological perils.
- Large accumulation exposures available.
Business Travel
- Comprehensive cover for the business traveller.
- Available for all UK based companies, including overseas employees.
- Cover available in conjunction with a personal accident policy or on a stand alone basis.
Loss of Licence
- Pilot loss of licence for groups or individuals.
- Lump sum and monthly benefits.
Client case study:
We were approached to review the company Personal Accident and Business Travel requirements for a large news agency.
The previous insurer could not provide automatic cover for employees travelling to high risk countries, with each trip requiring individual underwriting, causing delays and inconvenience to the customer.
After review, we were able to source a number of insurers capable of giving the cover required on competitive terms. Using the prior years travel pattern as a template, we arranged a policy to include all trips throughout the year without the need for referral to insurers.