Benefits For Business in conjunction with BUPA Group 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.

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

Individual and Company Medical Insurance with a Difference

• Fixed Premiums for life -- unique Friendly Society Scheme
• Build up a cash fund
• Dental and Optical cover
• Comprehensive cover and no hospital list -- use any hospital in UK
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Group Pension Schemes

• The Pension Department at Benefits For Business can ensure that Company and Director pension needs are integrated into a well-thought-out benefits package
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Independent Mortgage Consultant

• Free, specialist advice, without obligation, for all types or Mortgages at Best Rates
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Business Insurance

• The Insurance Department at Benefits For Business offers expertise from qualified advisers and the most competitive rates on all your business insurances. Please click more info for details on how we can reduce the costs of your Commercial Insurance, Fleet Motor and all business risks
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Private Client Insurance

• A High Quality Executive portfolio product offering protection for all personal assets including main and holiday homes, cars, motorcycles and Yachts
• An extensive range of options to cater for all employees requirements
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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.