EMPLOYER EMPLOYEE INSURANCE

"Your People Build Your Business. Protect Their Future. Strengthen Your Business."

A Smart Way to Protect, Reward & Retain Your Key Employees.

Your Employees Are Your Business Strength. Protect Their Future While Strengthening Your Business.

In today’s competitive business environment, attracting and retaining talented employees is a major challenge.

An Employer–Employee Insurance Scheme can be structured to provide valuable financial protection and employee benefits while supporting your company’s long-term business objectives.

OPTION A — EMPLOYER-OWNED INSURANCE

Company Pays • Company Owns • Company Benefits

The company purchases and owns the insurance policy for a selected employee, subject to applicable policy terms and regulations.

Why consider Option A?

• Support retention of valuable employees
• Create a structured benefit for selected employees
• Strengthen your employee-benefit strategy
• Help address business protection requirements
• Potential tax implications may be available depending on the structure and applicable laws

OPTION B — EMPLOYEE-OWNED INSURANCE

Company Supports • Employee Owns • Employee Benefits

The insurance arrangement is structured so that the employee owns the policy, while the employer provides the agreed benefit/support, subject to applicable rules.

Why consider Option B?

• Creates an attractive employee benefit
• Supports long-term financial protection for employees
• Can improve employee engagement and retention
• Helps employees build greater financial security
• Makes your compensation and benefits package more attractive

Insurance benefits, policy ownership, taxation and eligibility depend on the specific policy structure, applicable laws, regulations and insurer terms. Tax treatment should be confirmed with a qualified tax professional.