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Group Risk Solutions


Group Risk is an umbrella term for three company sponsored employee benefits: Group Life Insurance, Group Income Protection and Critical Illness cover.  Group Risk benefits are often (but not always) fully insured.

Provided in isolation or as part of a wider benefits package, these employer sponsored products can give employees access to insured protection cover either at a reduced rate or free of charge as they are covered under one “group” policy. This is often more readily available than individual cover since most employees do not generally need to provide medical details before cover is granted.

Group Risk benefits are highly valued as they provide financial protection for employees and their families, yet they are relatively inexpensive for employers compared with some other components of the typical benefits package. 

If your Company has current Group Risk products, by enabling HMS to do a simple re-broking exercise can save money!! 



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