Group protection.
Look after the people who look after your business.
Group protection insurance is the name given to a policy employers like you can offer their employees as a benefit on top of their salary.
What is group protection?
Group protection insurance is the name given to a policy employers like you can offer their employees as a benefit on top of their salary. Rather than each person arranging cover individually, a single scheme covers your eligible team.
It's one of the most valued benefits an employer can provide. As well as financial support at difficult times, many schemes include health and wellbeing services that help your people every day — and help you attract and keep great staff.
How group protection can help.
Features vary between insurers. We'll explain exactly what each option includes.
Group life insurance
Often called death-in-service, it pays a lump sum — usually a multiple of salary — to an employee's family.
Group income protection
Helps replace part of an employee's income during long-term illness or injury.
Group critical illness
A lump sum to employees diagnosed with a specified serious illness.
Wellbeing services
Many schemes include employee assistance programmes, virtual GPs and mental health support.
Simpler underwriting
Cover is often provided up to a set limit without individual medical questions.
Attract and retain
A competitive benefits package helps you hire and keep the right people.
Who it's for.
- Employers wanting a stronger benefits package
- Growing businesses competing for talent
- Companies wanting to support staff wellbeing
- Businesses replacing or reviewing existing schemes
Things to consider
- Schemes are usually designed around eligibility rules, such as minimum numbers of employees.
- Costs depend on factors like your workforce's ages, salaries and occupations.
- Regular reviews keep your scheme competitive and good value.
That's exactly why advice matters — we'll talk you through the detail.
Get a personalised group protection quote
Free, no-obligation and tailored to your circumstances.
Getting covered is easy.
Getting the right protection shouldn't be complicated. Here's how we help.
Talk to us
Tell us about you, your family or your business in a free, relaxed conversation — by phone, video or in person.
Get a clear recommendation
We research the options and explain what we recommend, why, and what it costs — in plain English.
Cover in place, and beyond
We handle the paperwork, keep your cover under review and are here to support you if you ever need to claim.
Group Protection FAQs
What is group protection insurance?
Group protection insurance is the name given to a policy employers like you can offer their employees as a benefit on top of their salary. It typically includes group life, group income protection and/or group critical illness cover.
How many employees do I need?
Minimum numbers vary by insurer and type of cover — some schemes are available for quite small teams. Talk to us about your business and we'll explain what's available.
Do employees need medical checks?
Usually most employees are covered up to a 'free cover limit' without individual medical underwriting. Those with higher levels of cover may be asked further questions.
Can we review our existing scheme?
Absolutely. We can review your current arrangements to check they still offer the right cover at a competitive price.
Let's talk about group protection.
Book a free, no-obligation consultation. We'll explain your options clearly and help you choose with confidence.
Free initial consultation · No obligation · Friendly, plain-English advice
The information on this page is for general guidance and isn't personal advice. All cover is subject to the insurer's terms, conditions, exclusions and underwriting. Tax treatment depends on individual circumstances and may change.