Flexible Benefits (1)

Flexible Benefits

Give your employees the cover they want

Discover more about flexible benefits, including the cover options available and the extra support we include.

About flexible benefits

Flexible benefits put your employees in control of their benefits package. As an employer, you’ll select the type of benefits you want to offer, including any core and voluntary benefits. Your employees can then choose the cover they want using your flexible benefits platform.

Core benefits

You’ll fund the core benefits whether your employees select this cover or not. If they do, your employees can then pay to increase their benefit at set times of the year or at certain life events.

Many employers choose to provide a core benefit and allow employees to top-up their core benefit with voluntary cover.

Just so you’re aware, some flexible benefit policies, such as Partner Life Insurance, can only be offered as a voluntary benefit.

Voluntary-only benefits

You can offer voluntary-only benefits. This means there is no core benefit and your employees choose their own cover and fund it themselves.

Just so you’re aware, some flexible benefit policies, such as Income Protection, require a core benefit.

Increasing or decreasing benefits

Your employees have various opportunities to increase or decrease their benefits. This can happen when they join the policy, at a certain time each year, or at certain life events.

Joining the policy

When your employee joins the policy, they can select the amount of cover they need.

Life events

Life events are milestones that allow your employees to change their benefits up or down. Life events can include:

  • Moving home
  • Getting married
  • Having a child

Annual selection window

Your employees also have an annual opportunity to increase or decrease their benefits. You can decide how much they can amend their cover by when you set up the policy.

Group Critical Illness

Our critical illness cover provides a tax-free payment to your employees if they’re diagnosed with a serious illness we cover. It’s designed to ease the financial pressure that can follow the diagnosis of a serious illness.

Key features

  • 13 core illnesses covered on every policy, including cancer, heart attack and stroke
  • Add a further 28 illnesses for comprehensive cover
  • Cover available from age 16 to 70
  • Employees can choose cover up to £500,000
  • Partner cover is available up to £250,000
  • Children's cover included with every policy
  • Two support services included

Support services – at no extra cost

Our Critical Illness policies include:

Explore our Group Critical Illness Insurance

Group Life Insurance

Our life cover provides an employee’s family with a tax-free payment if they die during their working life. It’s a simple and affordable workplace benefit.

Key features

  • Employees can choose cover up to 16 times their salary

  • Cover available from age 16 to 75

  • Policies are set up under a discretionary trust

  • Instant confirmation of cover with online application

  • Redundancy cover available

  • Two support services included

Support Services – at no extra cost

Our Life Insurance policies include:

Explore our Group Life Insurance

Partner Life Insurance

Our partner life cover provides an employee with a tax-free payment if their partner dies. It’s a voluntary-only benefit that gives your employees the option to cover their partner at an affordable price.

Key features

  • Employees choose cover up to £250,000
  • Cover available from age 16 to 75
  • Policies are set up under a discretionary trust
  • Instant confirmation of cover with online application
  • Two employee support services included

Support services – at no extra cost

 Our Partner Life Insurance policies include:

Explore our Life Insurance

Group Income Protection

Our income protection cover provides financial and emotional support if an employee is absent from work due to illness or injury. It protects employees when they’re unable to work and helps them return when they’re better.

Key features

  • Cover available from age 16 to 70
  • Cover between 40% and 75% of employee’s salary
  • Cover for pension scheme and national insurance contributions
  • Four support services at no additional cost

Support services – at no extra cost

Our Income Protection cover includes:

 Explore our Group Income Protection

Additional information

Next steps

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Get in touch

Call Flexible Benefits

0117 916 4284

or send an email

Monday – Friday 9am to 5pm

Other contacts
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Customer support

Find answers to commonly asked questions, helpful links, tools and contact details.

Customer support
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Get in touch

Call customer services

0345 223 8000

or send an email

Monday – Friday 9am to 5pm

Other contacts