Companies looking to provide something extra for staff, and position themselves as an employer of choice, can provide a group cover, automatically accepted insurance policy for employees.
It is relatively quick to get on board, very limited personal information is required (compared to a personal application) and premiums are calculated as a percentage of total payroll, depending on what industry you work in and the spread of ages across the workforce.
A pre-set level of cover will apply and minimum numbers are required to establish a group policy.
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Dip Ins Broking, Dip Int Risk Management, Cdec (Qual)