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  • "I would recommend them to anyone"
  • "I could not speak more highly of Helen Simons"
  • "I knew that if it was possible, then Helen would make it happen"
  • "Genuine care and support for me during a really tough time"
  • "They are particularly thorough in their approach, especially when it comes to renewal time"
  • "The advice we receive is always impartial and constructive"
  • "Takes her profession & commitment to her clients extremely seriously"
  • "It is rare to have a team who takes time to make sure you get the full picture"
  • "Happy to explain every detail you need to take your decision"
  • "I am happy to warmly recommend SJS to any small or large organisation"
  • "They have made the administration of our healthcare scheme run seamlessly"
  • "Their vast knowledge and key contacts within the healthcare industry make them invaluable"
  • "I would not wish to use anyone else"
  • "The staff are efficient, friendly, helpful and at all times professional"
  • "It's so refreshing to receive a service, help and advice from such dedicated people"
  • "Efficient and trustworthy in their approach, always ensuring that our needs were met by the insurers"
  • "They have always managed to find us the best coverage at very competitive prices"
  • "I would not hesitate to recommend SJS to any company interested in good service"
  • "The personal service we receive has been outstanding"
  • "Knowing that any issues will be dealt with quickly and efficiently gives our members peace of mind"
  • "A valuable assets in progressing claims, and providing advice where required"

Group Life Insurance Cover

Group Life CoverWhat is Group Life Insurance?

Group Life Insurance Cover (also referred to as Death in Service Benefit) is designed to provide financial protection for your employee’s loved ones in the event of their death, whilst under your employment.

Group Life Assurance provides a tax free lump sum (normally up to 4 times the gross salary), which can be written in trust and does therefore not form part of the employee’s estate. If it is not setup in a trust, it would be included in the legal process known as grant of probate, which could take six months or more to release any payment.

Overview

  • Provides a tax free lump sum (normally up to 4 times the gross salary)
  • Can be written in trust so it does not form part of the employee’s estate
  • Premiums are based on your company’s location & average age of your employees
  • Financial protection for employee’s loved ones in the event of their death.

The premiums vary from each insurer and will differ based on various factors such as a risk assessment of your location and the average age of your employees.

Which services will we provide?

As a completely independent brokerage, we will review the market and obtain quotations from major providers on your behalf. We will present this information in our unique, jargon free report which compares premiums and the options you have chosen.

We will guide you through the process of setting up your company scheme and will be there throughout the year to assist with any queries or claims you may have.

Call us now to speak with our experienced team about setting up or reviewing a Group Life Insurance scheme.

Main Benefits to Employees

"They have always managed to find us the best coverage at very competitive prices."

The main benefits for your employees are:

  • Enjoying peace of mind that their family will be taken care of financially should the worst happen,
  • A tax free lump sum paid out to dependents during an extremely difficult time.

In some circumstances, staff members may prefer to take out an individual policy, rather than be part of a group scheme. The policy is then portable which means if they ever leave the company, they can take the policy with them.

The next step . . .

Contact us today to discuss your requirements or click here if you would like one of our experienced team to call you.

We charge a refundable fee of £500 to cover the cost of the research involved. This fee is refunded to the company once you decide to proceed with one of our recommendations. Our service is free of charge if you proceed with our recommendation.

All the information we receive from you will be treated in the strictest of confidence and with the utmost discretion.