Group Life Insurance

Group life insurance, often referred to as Death in Service, pays out a lump sum death benefit to your employees' family or next of kin should that individual die whilst employed by your organisation.

It is set up as a single scheme that covers a group of employees within a business. The amount of cover (sum assured) is based on a multiple of the employee's salary, usually between 2x and 4x basic salary. It is possible for the scheme to offer different multiples of salary to different categories of staff.

New Schemes

Setting up new schemes easy. The Scheme Implementation Team is there to do exactly that. They will liaise with your HR team, or point of contact, and guide them through the process step by step.

Our partner will discuss your requirements and offer advice to ensure the best scheme is in place at the right price. If required, they can also deal with HMRC on your behalf.

The team is there to take the workload off you, allowing your staff and business to concentrate on what they do best.
Existing Scheme Renewals

You may already have a scheme in place; typically, it will be reviewed on an annual basis. Apple Employee Benefits partner is perfectly placed to help with your scheme’s review. All they need is a snapshot of the information sent to your current insurer, at review stage.

In almost all cases we can provide your company with the exact same scheme but at a significantly lower cost. They can do this because they have recruited a management team with a wealth of experience in the group risk marketplace, who have been able to bring their existing insurer relationships with them. As such, clients are offered preferential rates reducing the price of the schemes, whilst maintaining (or improving) the levels of benefits for its members.
Group Medical Insurance

Group medical insurance is designed to support employees who need medical attention. This can be to ensure they have access to the best care as soon as possible or financial support.

Some plans include support and advice to help keep employees healthy which can reduce sickness absence. Many policies can provide the option for employees to add their family members at their own expense but often at a cheaper price than purchasing it individually.
New Schemes

We make setting up new schemes easy. Our Scheme Implementation Team is there to do exactly that. They will liaise with your HR team, or point of contact, and guide them through the process step by step.

We’d discuss your requirements and offer advice to ensure the best scheme is in place at the right price. If required, we would also deal with HMRC on your behalf.

The team is there to take the workload off you, allowing your staff and business to concentrate on what they do best.
Existing Scheme Renewals

You may already have a scheme in place; typically, it will be reviewed on an annual basis. Apple Financial is perfectly placed to help with your scheme’s review. All we would need is a snapshot of the information sent to your current insurer, at review stage.

In almost all cases we can provide your company with the exact same scheme but at a significantly lower cost. We can do this because we have recruited a management team with a wealth of experience in the group risk marketplace, who have been able to bring their existing insurer relationships with them. As such, our clients are offered preferential rates reducing the price of the schemes, whilst maintaining (or improving) the levels of benefits for its members.