Why Income Protection Matters
How long could you afford to support an employee on sick leave?
State disability support only provides a modest disability income. In some cases employees might receive temporary additional support, but qualifying is increasingly difficult.
By comparison, a typical insured Income Protection benefit could fund at least 50% of an employee’s salary for up to five years, providing financial security for them and stability for your business.
From day one of absence, you’ll also gain access to your insurer’s medical and rehabilitation support, helping employees recover and return to work sooner.
Designing the Right Plan
There’s no one-size-fits-all policy. We can help you to build or modernise a scheme that’s fair, cost-effective, and aligned with your organisation.
We’ll help you consider:
Modernising Existing Contracts
Many businesses are still on outdated schemes that no longer offer good value.
We’ll help you:
Whether you’re improving an old plan or introducing Income Protection for the first time, Fulcrum can deliver a modern, business-friendly solution.
Did you know?
Some policies now include Employee Assistance Programmes, virtual GP appointments, and second medical opinions – available to your whole workforce, even if only senior roles are insured.
We can also secure high levels of guaranteed cover without requiring employees to disclose health information.
What Our Clients Say
Partnerships built on trust, results, and understanding - here's what our clients have to say.
“By identifying and recognising our specific requirements and priorities, Fulcrum has helped us to tailor our company benefits around a relatively strong local National Health Service. This has resulted in significantly reduced insurance costs without reducing the speed or quality of care. We have always found their honest and pragmatic approach to be a good fit with our own business.”
“With our previous provider, I always felt like ‘just a number’ calling them with any queries – whereas an expert outfit like Fulcrum offers personalised service. After meeting them, we discovered there is much to insurance plan design which can impact massively on premiums”.
“Your team are a credit to Fulcrum. Michelle has been excellent with progress and updates to the schemes we’ve implemented.”
“Fulcrum has helped us to protect more employees, through better plan design.”
“Fulcrum thinks in a much more creative and strategic way than the average broker, and as a result provides a much higher value of service. We have saved approximately £50k in direct costs and far more in management time, as administration is far simpler.”
“Good engineers are thin on the ground and it’s important to us to attract and retain some of the best in the industry. Feedback tells us our employees value the benefits aspect of their package, and we are keen go the extra mile with this. We have found Fulcrum’s service to be second to none, extremely knowledgeable and professional.”
“Our experience with the team at Fulcrum has been nothing short of fantastic. They are friendly, approachable and very quick to respond to any queries. They spend time to explain situations and processes, to ensure that we understand them fully which demonstrates their dedication to great customer service”.
“Fulcrum’s advice and hands on approach has enabled us to provide a competitive and comprehensive Benefits package for our Employees.”
“I was initially sceptical that Fulcrum would be able to help us with our staff benefits packages as I felt we already had good value from providers. However, their careful and methodical analysis, combined with some innovative thinking, ended up with a great result with considerable savings for us. What’s more, the savings kicked in immediately. We continue to be delighted with their service.”
“Through diligent assessment of the market and tough negotiations on our behalf Fulcrum has saved us many thousands of pounds on our staff benefits. As well as major cost savings, the team at Fulcrum are exceptional in their professionalism and customer service”.
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