Safeguarding Your Team’s Future

We work with insurers who offer a range of options for employees with pre-existing conditions. This may include modified underwriting processes, specialised policies, or group schemes that provide cover without individual medical underwriting, ensuring inclusive protection options for all employees in line with Irish equality legislation.

Recent changes, such as the planned auto-enrolment system, can impact how financial protection fits into overall employee benefits packages. We stay abreast of these changes and guide you on how to integrate financial protection with evolving pension requirements to ensure comprehensive coverage.

Absolutely. We offer flexible solutions that can be tailored for various employee groups, from entry-level to executive, across different Irish industries. This can include varying levels of coverage, additional benefits, or specific terms to meet the unique needs of each group.

We recommend annual reviews to ensure your protection plans remain aligned with your business needs, employee demographics, and any changes in Irish legislation. However, we also suggest reviews following significant company events such as mergers, acquisitions, or major workforce changes.

Our dedicated team provides end-to-end support, guiding both employers and employees through every step of the claims process. This includes assistance with paperwork, liaison with medical professionals, and regular updates, ensuring a smooth and stress-free experience in line with Irish regulatory requirements.

We conduct a thorough analysis of your workforce demographics, industry benchmarks, and business objectives to recommend suitable coverage levels. This includes considering factors such as salary levels, age distribution, and specific risks associated with your industry in Ireland.

Yes, our Income Protection plans are designed to complement Irish social welfare benefits, such as Illness Benefits. We structure policies to ensure optimal coverage for employees while taking into account state benefits, providing a comprehensive safety net.

Death-in-service benefits are generally tax-free up to a certain limit under current Irish legislation. The tax-free lump sum is typically four times the employee’s annual salary, providing a valuable, tax-efficient benefit to employees’ families. Any amount over this limit may be subject to Capital Acquisitions Tax.