|
Risk pooling has led to significant discounts on normal
premiums for the insurance of death and disability benefits
for employers; additional benefit coverage for members
and the elimination of the provision of annual medical
requirements for smaller schemes.
The Risk pool is a block of business (independent Pension
Schemes) which we have placed with one insurer to obtain
the maximum advantage from bulk purchase. This has proven
extremely successful, enabling many smaller to medium
sized employers take advantage of greatly reduced premiums
without sacrificing any of the benefits or independence
of each scheme.
The main features of the pool are:
- Cover without medical evidence (no
proposal or medical required)
- Considerable discounts on normal
premiums
- No policy charges
- AIDS cover under disability policy
- Higher cover without medical evidence
- Partial disability claims considered
without the need to have been totally disabled
For further on risk pooling death and disability insurance
cover please contact us
|
