Death in Service Cover for Employees
Death in Service (DIS) is a core protection benefit that provides financial security for employees and their families. With Fulcrum, it’s quick and simple to arrange, and we can secure high levels of guaranteed group cover.
Given the high potential benefits involved – typically 4x an employee’s salary – it’s very important that you fully consider the ‘beneficiary tax’ and ‘Trust management’ differences between HMRC Registered and Excepted contracts. We don’t give tax advice, but when you partner with Fulcrum, these issues are explained fully, in plain English.
Member Categories and Data Management
Managing member categories and employee data can be a challenge in DIS schemes. It’s critical that your insurance matches the benefit promises you’ve made, so we provide:
When a claim needs to be made, we understand how distressing this can be — for your HR team and the employee’s family. We’re here to help every step of the way, with pre-populated claim forms and guidance on the process and timescales.
Enhanced Reach, Global and Advanced Options
For businesses with international staff, DIS schemes can be designed to operate effectively across multiple countries.
Did you know?
Linking international DIS contracts can improve acceptance terms, management oversight, and create profit-sharing opportunities.
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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