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Products and Services

We assist clients of all sizes, from SME’s to some of the UK’s largest employers. Most of the contracts that we arrange are renewed annually, so our business model is based on annually repeated ‘level commissions’ and/or fees. For this reason, client retention is of equal importance and value to client acquisition – and we pride ourselves at being very good at both.

Most of our new clients are replacing a sitting broker when they appoint us; hence our success comes from being technically stronger and adding more value. In our experience, we seldom win or retain clients simply by being the cheapest.

Services Summary:

Services	Description	How we can help
Absence Management	The outsourced management of Staff Absence, Rehabilitation and Return To Work policies.	We source and compare service providers.
Cash Plans	A lower cost alternative to full PMI. Geared to more routine expenditure (e.g. physiotherapy, dental check-ups and prescription lenses). Benefits are unitised – e.g. 3 units of cover = 3x what 1 unit buys. Generally reimburses 50% of the actual cost, up to stated maximums.	We provide easily comparable cost/benefit information, which helps clients to rank insurers based on price their coverage.
Dental Insurance (Group)	Reimbursement of the cost of routine private and NHS dental treatment.	We provide easily comparable cost/benefit information, which helps clients to rank insurers based on their coverage of the most commonly claimed dental treatments.
Expatriates Insurance	24-hour routine & emergency medical care for non-UK based staff, employed by UK clients. Can include UK and foreign nationals.	We provide easily comparable cost/benefit information, which helps clients to rank insurers based on the depth of their routine and emergency coverage.
‘Flex’ Benefits	Flexible Employee Benefit Schemes, which typically include a mix of insured and non-insured benefits.	We can assist with benefit design, short-listing software providers and ongoing brokerage of the insured components.
Income Protection (Group)	Also known as Permanent Health Insurance or Salary Continuance. Covers a % of employees’ pre-disability earnings (can optionally cover the employer’s ongoing National Insurance and Pension contributions).	We can source quotes from all of the main insurers in this market. However, unlike most of our competitors, we will also advise on how to use plan design. There are various ways that contracts can be tailored (e.g. to filter out or limit less severe disability claims). Our service includes contract renewal negotiation and mediation of claim disputes.
Life Assurance (Group)	Death in service cover that pays out a multiple of the deceased employee's salary (can also include a widow's pension).	We can source quotes from all of the main insurers in this market.
Medical Insurance: (Small groups) Age rated	Private specialist consultations and hospital treatment - for acute medical and surgical conditions.	We can source quotes from all of the main insurers in this market. We also operate a unique Alexander Forbes umbrella scheme that offers SMEs some of the admin and pricing advantages normally only available to larger clients. Our service includes; contract renewal negotiation and mid term reviews; analysis of insurers' service and claims management capabilities; resolution of claims and membership problems.
Medical Insurance (Larger Groups) Claims rated	Private specialist consultations and hospital treatment - for acute medical and surgical conditions	Several funding options need to be considered when clients opt for contracts that are priced on their own claims experience. Alexander Forbes provides a 'guide price' to help determine a realistic claim fund and premium (making it easier for the client to assess the adequacy of different insurers' proposals). Our service includes; guide pricing; contract renewal negotiation; mid contract reviews; analysis of insurers' service and claims management capabilities; resolution of claims and membership problems.
Medical Insurance (Individual)	Private specialist consultations and hospital treatment - for acute medical and surgical conditions	We can source quotes for private customers (and individuals leaving employer group schemes).
Occupational Health Services	Outsourced OH services	We can help clients to source and compare service providers.
Personal Accident (Group)	Compensates employers (for staff absence as the result of work and non-work related accidents). Benefits follow a sliding scale based on the severity of the accident. NB: Although the employer is the policyholder, it is customary for the majority of claim payments to be passed on by the employer to the injured staff member.	We provide easily comparable cost/benefit information, which helps clients to rank insurers' standard benefit packages. We can also help to tailor larger contracts.
Travel Insurance (Business)	Annual multi-trip business travel insurance. Optional leisure and winter sports cover.	We provide easily comparable cost/benefit information, which helps clients to rank insurers' standard benefit packages. We can also help to tailor larger contracts.

	Call us now on 0131 313 6868 or click here to e-mail us. We look forward to hearing from you.

Products and Services

Services Summary:

Services

Description

How we can help

Absence Management

The outsourced management of Staff Absence, Rehabilitation and Return To Work policies.

We source and compare service providers.

Cash Plans

A lower cost alternative to full PMI. Geared to more routine expenditure (e.g. physiotherapy, dental check-ups and prescription lenses).

Benefits are unitised – e.g. 3 units of cover = 3x what 1 unit buys. Generally reimburses 50% of the actual cost, up to stated maximums.

We provide easily comparable cost/benefit information, which helps clients to rank insurers based on price their coverage.

Dental Insurance (Group)

Reimbursement of the cost of routine private and NHS dental treatment.

We provide easily comparable cost/benefit information, which helps clients to rank insurers based on their coverage of the most commonly claimed dental treatments.

Expatriates Insurance

24-hour routine & emergency medical care for non-UK based staff, employed by UK clients. Can include UK and foreign nationals.

We provide easily comparable cost/benefit information, which helps clients to rank insurers based on the depth of their routine and emergency coverage.

‘Flex’ Benefits

Flexible Employee Benefit Schemes, which typically include a mix of insured and non-insured benefits.

We can assist with benefit design, short-listing software providers and ongoing brokerage of the insured components.

Income Protection (Group)

Also known as Permanent Health Insurance or Salary Continuance. Covers a % of employees’ pre-disability earnings (can optionally cover the employer’s ongoing National Insurance and Pension contributions).

Life Assurance (Group)

Death in service cover that pays out a multiple of the deceased employee's salary (can also include a widow's pension).

We can source quotes from all of the main insurers in this market.

Medical Insurance: (Small groups)

Age rated

Private specialist consultations and hospital treatment - for acute medical and surgical conditions.

Medical Insurance (Larger Groups)

Claims rated

Private specialist consultations and hospital treatment - for acute medical and surgical conditions

Several funding options need to be considered when clients opt for contracts that are priced on their own claims experience.

Alexander Forbes provides a 'guide price' to help determine a realistic claim fund and premium (making it easier for the client to assess the adequacy of different insurers' proposals).

Our service includes; guide pricing; contract renewal negotiation; mid contract reviews; analysis of insurers' service and claims management capabilities; resolution of claims and membership problems.

Medical Insurance (Individual)

Private specialist consultations and hospital treatment - for acute medical and surgical conditions

We can source quotes for private customers (and individuals leaving employer group schemes).

Occupational Health Services

Outsourced OH services

We can help clients to source and compare service providers.

Personal Accident (Group)

Compensates employers (for staff absence as the result of work and non-work related accidents). Benefits follow a sliding scale based on the severity of the accident.

NB: Although the employer is the policyholder, it is customary for the majority of claim payments to be passed on by the employer to the injured staff member.

We provide easily comparable cost/benefit information, which helps clients to rank insurers' standard benefit packages. We can also help to tailor larger contracts.

Travel Insurance (Business)

Annual multi-trip business travel insurance. Optional leisure and winter sports cover.

We provide easily comparable cost/benefit information, which helps clients to rank insurers' standard benefit packages. We can also help to tailor larger contracts.