Big enough to cope, small enough to care 
Alec Cameron 
Independent Financial Adviser 

Business Clients 

 
 
 
 

Pensions 

Under the Pensions Act 2008, every employer in the UK must place certain staff into a workplace pension scheme and contribute towards it. This is called 'automatic enrolment'. If you employ at least one person you are an employer and have certain legal duties. 
As a result, group pension schemes are becoming increasingly popular with business owners. We can help you find low cost plans that suit your requirements. 

Pensions 

Under the Pensions Act 2008, every employer in the UK must place certain staff into a workplace pension scheme and contribute towards it. This is called 'automatic enrolment'. If you employ at least one person you are an employer and have certain legal duties. 
As a result, group pension schemes are becoming increasingly popular with business owners. We can help you find low cost plans that suit your requirements. 
 
 
 
 

Covering those that are crucial to your success 

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Keyman insurance 

Essentially, Keyman cover can provide your business with financial protection against the loss of profits which may arise from the absence, injury, sickness or death of a key person. So, if something unfortunate happens to one of your pivotal people, your business would have ample financial protection, plus cover for hire or replacement of that key person. 

Group Life cover 

The death of one of your employees can be difficult for your business but even more so for their families. Group death in service schemes enable you to provide your people with a way to ensure the financial stability of their loved ones at what is already a stressful and upsetting period for them. At the same time, such schemes are quite simple to set up and need not be expensive for your enterprise. 
 
The type of schemes we can help you arrange offer both you and your employees many benefits. For your company, it can provide a real competitive edge when you are trying to recruit the right people, engender staff loyalty and give you an enhanced staff benefits package to promote. 
 
For your employees it provides genuine peace of mind and for their families it provides real financial comfort – via a timely lump payment – should the worst happen. These schemes are typically set up as a trust fund, payments are based on a multiple of annual salary determined by you and they can also offer “free cover limits” which enable employees who might already be in poor health to be included. 
 
As you will be effectively ‘pooling’ the resources of your employee, giving you considerable buying power, it is important to get the kind of objective and knowledgeable ‘whole market’ advice that will give the most competitive package for you and your employees. 
 
Though the state might offer some assistance, a group income replacement protection plan helps you to safeguard the well-being and lifestyle of your people and their families, should they be long-term absent through illness and injury. 
 
 
Helping you make your way through the maze of plans 
Our role is to help you find the plan best suited to the needs of your business and its budget, while securing the optimum benefits for your staff. Our objective is to offer cost effective peace of mind for both you and your employees. 
 
 

Group income replacement protection 

These plans – sometimes referred to as group permanent health insurance (PHI) – provide your enterprise with the funds necessary to continue to pay staff members unable to work for extended periods. Such policies tend to be rapid, simple and straightforward to set up and we will take you through the whole process, covering matters such as choosing the right deferment period which can be between 4 and 52 weeks. 
 
Your contributions are normally a deductible expense for corporation tax purposes. Payments made to employees in the event of a claim are subject to income tax and national insurance contributions. 
 
It is worrying enough for one of your employees if they are facing a serious illness or operation, without concerns about money adding to the pressure. Our group critical illness solutions help you to help them with financial support at a difficult time, when they’re suffering from a defined injury or illness. 

Group Critical Illness Protection 

Peace of mind has a positive impact on recruitment 

Your people – old and new – will be greatly reassured knowing that you have group critical illness cover and that they will receive a timely lump sum should they fall foul of any number of specified illnesses or injuries. Such a payment could, for example, help them cover medical bills or make alterations to their home. 
 
And though an increasing number of people are surviving critical illnesses for longer, they still might be unable to work for a considerable time; in which case a tax-free lump sum will make a valuable contribution to their well-being and hopefully, full recovery. 
 
As part of a comprehensive employee benefits package, there is no doubt that a group critical illness plan can help your company to attract the very best people. 
With the major causes of short-term absence being down to minor illnesses such as colds and flu; and major long-term absences being sue to acute medical conditions, stress, mental health conditions and musculoskeletal conditions (such as back pain), a group private medical insurance plan can help your business to help your people safely and speedily back to health and work. 
 
We can source the right scheme for your business and your people. One that can improve employee engagement, morale and retention, while reducing absenteeism and promoting healthy living. 
 
 
 
 
Get in touch for more details 
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