· Potential savings in the region of 20% are not uncommon using our experience of this specialist market

· Another major insurer has this month re-entered the Group Risk Market meaning that there may be a chance of even more premium savings

· Prosperis has in place a Group Life ‘small scheme arrangement’ which gives us enhanced terms for schemes with 3-50 employees. These enhanced terms are not just premium based but they also eliminate the need for medical underwriting for many people.

· In the current economic climate employers have offered enhanced staff benefits such as Group Life, Group Income Protection or Group Private Medical Insurance Schemes instead of bonuses/salary increases