Employee benefit packages are seen as increasingly important to secure and retain quality staff. These can include the following:

• Pensions - occupational scheme, personal or stakeholder.
• Life assurance - Up to four times salary as a lump sum plus spouse's benefit.
• Disability insurance (PHI) - To provide a replacement income up to retirement in the event of inability to carry on working following an accident or illness.
• Critical illness - To provide a lump sum payable in the event of diagnosis of a critical illness (heart attack, stroke, cancer etc).
• Private medical insurance* - Comprehensive medical cover for employees and their families.

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