Benefits For Business Risk are pleased to offer Group Life, Group Income Protection and Group Critical Illness to smaller firms of 3 to 100 employees on unusually advantageous terms particularly those under 10 lives. Non-underwriting terms are not usually available to the smaller employer - this is a rare opportunity to gain cover for medical conditions which would not normally be covered and enables the smaller employer to offer big-company style benefits .

Death In Service - click here

An excellent low cost benefit for firms of all sizes.
No-underwriting-terms for groups of three or more directors or employees.
Equity partners schemes

Group Income Protection - click here

Invaluable benefit for employee and employer alike.
Discuss range of options to implement a scheme or see how we can help cut your costs without loss of benefit.
No-underwriting-terms for groups of three or more directors or employees.
How does the new fit note regime affect your scheme?

Group Critical Illness - click here

Often overlooked - this worthwhile benefit will pay out a lump sum to a director or member of staff on diagnosis of a critical illness. One in three of us will be diagnosed with cancer but only one in 20 actually die of it. So, if you get it and beat it you don’t have to repay the money – it’s yours to enjoy.

Group Life cover for Directors, Managers and Staff

A unique Employer paid Death In Service scheme which provides

• cover up to £1,000,000 per person with no medical underwriting
• Available to groups of 3 employees to 100.
• Dividends may be included.
• Any pre-existing medical condition will be covered providing employee is 'at work' at commencement of the plan.
• Rate set for 2 years

Group Income Protection for Directors Managers and Staff

A unique Employer paid scheme which provides invaluable claims support procedures. Insured Sickness schemes are particularly useful in the evaluation of the validity of a sickness claim particularly where the condition is a difficult one for the small Employer such as stress. The Insurer will also work with the employer to rehabilitate a sick employee back into the workplace providing vital guidance and support.

• cover up to £90,000 of benefit per employee with no medical
• underwriting Available to groups of 3 employees to 100.
• Dividends may be included.
• Any pre-existing medical condition will be covered providing employee is 'at work' at commencement of the plan.
• A wide range of options
• Rate set for 2 years

The tax position to a company is favourable for both of the above schemes - costs can be fully offset as business expenditure and there is no benefit in kind cost to the employee.

Group Critical Illness Cover

Cover up to £150,000 although this will be subject to pre-existing condition exclusions.

The above plans together with a Group Medical Insurance Scheme would form the basis of an outstanding benefit package designed to attract and retain the very best employees and would confer a distinct business advantage on the smaller employer

Multiplier of salary or fixed benefit sums assured available.

Lump sum will be payable on diagnosis of a list of critical illnesses - read more

Employer sponsored dental - click here

Visit a happy, smiling and satisfied dental client but don’t hang around for a chat.

World wide travel insurance business and leisure - contact us for more information.

Straightforward plans from leading insurers with comprehensive cover for groups of three or more employees/directors

Group Medical Schemes

Self pay insured schemes Very clever – very cost effective. Have your treatment anywhere in the world - contact us for more information.

Standard Group Medical Schemes We’ll get the costs as low as possible without compromising your cover or your underwriting.

Cheap is not necessarily best - click here

Private Medical cover for individuals and families

Self pay insured schemes Very clever – very cost effective. Have your treatment anywhere in the world - contact us for more information.

Standard Group Medical Schemes We’ll get the costs as low as possible whilst trying to give you a plan that works well for you - click here

Health and Wellbeing for employees

Health Screening - click here

Bespoke health assessments at a prestigious Harley Street Practice . Personalised and Doctor-led at competitive rates.

Employer sponsored health Plans - click here

Excellent value budget plans from £1 per week. Offers cover for dental, optical, health screening and much more.

You are our client - We act for you - not the Insurer

Benefits for Business Ltd is authorised and regulated by the Financial Services Authority. Benefits for Business Ltd is entered on the FSA register (www.fsa.gov.uk/register/) under reference 304510.