Corporate Pension Planning

Moss & Roberts advise on group arrangements, including Executive Pensions, Small Self Administered Pensions, Group Personal Pension Plans, Stakeholder Pension Schemes, and Self Invested Personal Pensions.

Key Person Protection

The death or long term illness of a key employee can have a devastating effect on the future of a business and Moss & Roberts can arrange cover to protect a company against such occurrences.

Employee Death in Service

The provision of a Death in Service Scheme for employees is a useful way of providing financial security for staff and their families. Moss & Roberts can advise on the various ways of providing this cover.

Long Term Sickness or Disability Cover

Long term sickness or disability within the workforce often creates financial hardship for employees. It is possible to effect a Permanent Heath Insurance (PHI) scheme which effectively replaces a proportion of the employees income in the event of ill health. Terms on the scheme itself can vary to suit the the terms of employment and can include cover for pension scheme contributions.

Private Medical Insurance

This can be a valuable benefit to offer employees as it provides them and their families with security and is often an incentive to remain in their jobs. Different levels of cover are available and there are often significant discounts available for groups, compared to individual premium costs.

Share Protection.

It is common to find that shareholders make plans for passing on their shares either before or after retirement. However, it is also important to ensure that sudden death of a share holder does not cause adverse financial predicaments for the remaining shareholders. Moss & Roberts are able to advise on suitable protection plans.