Business Cover for Employees

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With expert advice from SGFM, we ensure that you make the most out of investing into your workforce. Find out why more and more people are using SGFM to advise them on Business Cover for Employees.

Employee benefits

A happy workforce is a productive workforce. We advise on a range of benefits packages where employees can receive exclusive discounts on cinema tickets, days out, and holidays, as well gym memberships, health schemes, and more.

Group life

A group life assurance scheme enables employers to provide a tax-free lump sum benefit and/or a  pension to an employee’s family and children, should they die in service.

Group income protection

A group income protection plan provides an income to employees who are absent from work due to long-term sickness.  This gives the employer the financial backing to continue to pay staff that are unable to work, without exposing themselves to costs.

Permanent Health Insurance

Most employers will have a limit on how long they can continue to pay a salary in the event of ill health. The loss of income to a breadwinner can have a devastating effect on their families. Permanent Health Insurance replaces the lost income and removes the burden and responsibility from the employer.

Death in Service

Lump sum Death in Service protection, usually based on a multiple of salary, has always been an important part of pension scheme arrangements in view of the low cost and tax benefits.

Expert advisors

We take the time to get to know you and your current financial circumstances. We look at your existing arrangements and what you hope to achieve in the future. We then give you as much, or as little, independent corporate financial planning advice as you want or need.

Independent

As part of the Smailes Goldie Group, we are able to offer you truly independent, cost-efficient advice, using the whole of the market to achieve your financial goals.