How can Fulcrum help my business
If your company is a Small/Medium sized Enterprise, looking at insured benefits for the first time – or you need to review existing benefits and don’t feel that your current advisers are looking after you...
- We can help you to identify the best and least complicated options.
- Our market review reports can be turned around quickly, to provide you with (plain English) easily comparable features, benefits and prices.
- You could benefit from our enhanced acceptance terms with some insurers (e.g. guaranteed acceptance into some schemes without having to disclose health information) – making the whole process even quicker and easier.
If you’re a larger business whose premiums are based on your own claims experience...
- Insurers typically price larger contracts on a company’s own claims experience, so there’s even more reason to take expert advice, to properly understand your plan design options.
- If the design and scope of your current benefits is allowing more frequent or more costly claims than you expected, then re–marketing the same (flawed) design every year won’t solve anything.
- We’ll help you to identify practical plan design solutions; test–price them; and guide you on how to effectively communicate any changes you decide to make.
- We’ll actively involve appropriate insurers in plan design discussions with you, to ensure that they understand your needs and concerns, and that you get ’best fit’ and ’best value’.
- We’ll help you to make the optimal presentation of your business; historic claims; and any risk or absence management processes that will improve your ’insurability’.
- We’ll help you to forecast realistic budgets and to track and manage financial performance.
- We’ll help you to identify the most risk– and tax–efficient funding arrangements (including ’profit–share’ options in some contracts).
Let's talk
Call Malcolm Brebner directly on...
07500 10 50 55
or email him at
malcolm.brebner@fulcrumieb.co.uk