For You | For Family | For Business

For You | For Family | For Business

Client Portal

Client Portal

Common Employee Benefits questions.

Common Employee Benefits questions.

Please contact us with your Employee Benefits query

Please contact us with your Employee Benefits query

Simply enter your details below for us to help you.

By submitting  information through this website, you have given your agreement to receive verbal contact from us to discuss your Employee Benefits requirements. You voluntarily choose to provide personal details to us via this website. 

Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

Simply enter your details below for us to help you.

By submitting  information through this website, you have given your agreement to receive verbal contact from us to discuss your Employee Benefits requirements. You voluntarily choose to provide personal details to us via this website. 

Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

By submitting this data, I am consenting to the use of my data in line with our  Privacy Policy

By submitting this data, I am consenting to the use of my data in line with our  Privacy Policy

How do you qualify for Group Health Insurance?

How do you qualify for Group Health Insurance?

To qualify for Group Health Insurance an individual needs to be employed by a company with two or more employees and which offers a Group Health Scheme.

To qualify for Group Health Insurance an individual needs to be employed by a company with two or more employees and which offers a Group Health Scheme.

Why are benefits important to employees?

Why are benefits important to employees?

Benefits are important to employees because they receive the advantages of having protection policies as part of their employment contract.

Benefits are important to employees because they receive the advantages of having protection policies as part of their employment contract.

What are the 4 major types of employee benefits?

What are the 4 major types of employee benefits?

The four most common types of Employee Benefits are Life Insurance, Income Protection, Private Medical Insurance & Retirement Planning.

The four most common types of Employee Benefits are Life Insurance, Income Protection, Private Medical Insurance & Retirement Planning.

What is the difference between Critical Illness and Terminal Illness cover?

What is the difference between Critical Illness and Terminal Illness cover?

Terminal Illness is an insurance which pays out when the life expectancy of the policyholder is less than twelve months. Critical Illness pays out a lump sum on diagnosis of a specified illness. 

Terminal Illness is an insurance which pays out when the life expectancy of the policyholder is less than twelve months. Critical Illness pays out a lump sum on diagnosis of a specified illness. 

Is Private Medical Insurance worth it?

Is Private Medical Insurance worth it?

The short answer is yes. Private Medical Insurance gives the policyholder access to private hospitals and consultants, enabling them to receive speedier treatment in more comfortable surroundings than the NHS is able to offer.

The short answer is yes. Private Medical Insurance gives the policyholder access to private hospitals and consultants, enabling them to receive speedier treatment in more comfortable surroundings than the NHS is able to offer.

Life Cover known as (Death in Service)

Life Cover known as (Death in Service)

Sick Pay

Sick Pay

Critical Illness

Critical Illness

Private Medical

Private Medical

The Employee Benefits Process

The Employee Benefits Process

Working with HB Partners

Working with HB Partners

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An informal introductory conversation

An informal introductory conversation

Your protection experts will work with you to understand Employee Benefits requirements, then take you through the options available to you. 

Your protection experts will work with you to understand Employee Benefits requirements, then take you through the options available to you. 

We will look for the most appropriate benefits to meet your needs, including Private Medical Insurance, Life Insurance and retirement options. 

We will look for the most appropriate benefits to meet your needs, including Private Medical Insurance, Life Insurance and retirement options. 

Our Expert Recommendation

Our Expert Recommendation

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The right Employee Benefits package for you

The right Employee Benefits package for you

Our experts will calculate the amount of cover required, then compare the relevant providers that meet your business needs. We will then discuss the options most suited to you.

Our experts will calculate the amount of cover required, then compare the relevant providers that meet your business needs. We will then discuss the options most suited to you.

With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.

With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.

Full Application

Full Application

We can create an Employee Benefits package, including the following policies

We can create an Employee Benefits package, including the following policies

What is 3 + 5 =

What is 3 + 5 =

Meet the Team

Meet the Team

Mark Culham 

Adviser & Co-Founder

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

HOW MANY EMPLOYEES DO YOU NEED TO QUALIFY FOR GROUP HEALTH INSURANCE?

HOW MANY EMPLOYEES DO YOU NEED TO QUALIFY FOR GROUP HEALTH INSURANCE?

Typically, a minimum of two employees are required for a group scheme. This can vary between providers. However, the more employees, the more flexibility there may be with underwriting.

Typically, a minimum of two employees are required for a group scheme. This can vary between providers. However, the more employees, the more flexibility there may be with underwriting.

WHAT ARE EXAMPLES OF EMPLOYEE BENEFITS?

WHAT ARE EXAMPLES OF EMPLOYEE BENEFITS?

Examples of employee benefits include Life Insurance, Income Protection, Retirement Planning and Private Medical Insurance.

Examples of employee benefits include Life Insurance, Income Protection, Retirement Planning and Private Medical Insurance.

WHAT ARE THE ADVANTAGES OF GROUP PLANS?

WHAT ARE THE ADVANTAGES OF GROUP PLANS?

The advantages of a Group Scheme are that the employee will benefit from the insurance and protection arrangements put in place by their employer. Benefits to the employer include potential tax savings.

The advantages of a Group Scheme are that the employee will benefit from the insurance and protection arrangements put in place by their employer. Benefits to the employer include potential tax savings.

WHAT IS "MEDICAL HISTORY DISREGARDED"?

WHAT IS "MEDICAL HISTORY DISREGARDED"?

With this type of underwriting, all of your employees will receive full cover from the policy, as their medical history will be disregarded.

With this type of underwriting, all of your employees will receive full cover from the policy, as their medical history will be disregarded.

We work with the UK's leading insurance providers, helping you to protect yourself, your loved ones, and your business.

We work with the UK's leading insurance providers, helping you to protect yourself, your loved ones, and your business.

Frequently Asked Questions

Frequently Asked Questions

If you have a specific question, click the button below, and we will do our best to answer this for you.

If you have a specific question, click the button below, and we will do our best to answer this for you.

Why use us?

Why use us?

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We are qualified to advise you on your equity release requirements.

We are qualified to advise you on your equity release requirements.

Related to Employee Benefits

Related to Employee Benefits

What our clients say

What our clients say

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This site uses cookies to enhance your user experience. By continuing to use this site you are giving your consent for us to set cookies. Privacy Policy