Staff loyalty, health and well being are major assets to most businesses these days. The provision of employee benefits is becoming more and more important as many people are aware that most other companies do have them - your competitors maybe!.   Recent research tells us that employers will be responsible for meeting most of the health and welfare needs of its employees in 20 years' time. Why wait for 20 years? The cost of providing income and health benefits for your staff now, is relatively inexpensive - and can be very useful in recruiting and retaining staff.   We can provide advice on the introduction of Income Replacement Schemes (providing income for your employees in the event of long term illness) and Group Critical Illness, providing your employees with a lump sum in the event of a diagnosis of a critical illness or the inability to work due to total permanent disablement.   You will be surprised at how little these important benefits can cost - and what loyalty they can engender.   In our experience, it is often as inexpensive to cover the whole workforce for Permanent Health Insurance, as it is to cover the owners of the business.   For more information and quotations designed around the specific needs of your company, please read on or contact us.