
Many employers are still unaware of the financial burden that employee sickness and absence is having on their business. Employee absence can be damaging for an organisation in several ways, the reduction in rescources not only leads to reduced productivity but feelings of resentment develop if it is felt that some employees are abusing the system, the end result can be poor staff morale. The average cost of absence per employee has increased to around 659 from 598 in 2005/06 according to the Chartered Institute of Personnel.
Life is full of risk. There is the risk of unemployment, illness, injury or death. Fortunately the financial hardships can be managed through protection insurance giving you the peace of mind of knowing that no matter what happens you will at least be able to cope financially during a difficult time.
Protection planning is of paramount importance in any Wealth Management plan. From providing for dependents in the event of death, meeting the cost of medical expenses or arranging an income in the event of incapacity, there are a vast range of options available. Working with you our consultants will evaluate the financial impact of death or injury to you and your dependents and will help devise a plan to cope in the event of such a misfortune.
Our consultants can offer advice on a range of products including Life Assurance, Income Replacement and Private Medical Insurance.