Stronger Together

For partners, your clientsand your members

Call us 01274 588 862 Visit us www.pshp.co.uk

Building value through benefits

Joining us in partnership

Making specialist recommendations and proving your value day in, day out are easy when you know how. But when you don’t; when health and wellbeing aren’t your core area, then that's where we come in.

At Punter Southall Health & Protection we partner with over 150 UK professional advisers, trade associations and affinity groups. We help them expand their proposition into health and wellbeing benefits that enhance their diverse client-base and membership and drive commercial revenue.

By partnering with our knowledge and expertise you can help guide your clients or members through the complexities of health and protection products and legislation. Whether they are individuals looking to protect their families, small companies introducing health benefits or large corporates designing a bespoke benefits platform, you can help them meet their expectations and cost effectively take better care of their company and personal health. In return, you retain your existing clients or members, recruit new ones and generate additional revenue when they go ahead.

You know your business so we slot into your preferred way of working - a formal, proactive approach or instead, the occasional ad-hoc referral? We review your client or member’s needs and research the market to find them the best solution for their business and budget. We keep you up to speed throughout and are on hand for the lifetime of the policy to help with any worries, queries and claims.

The options are endless, the potential huge but our partnership with you is always based on trust. We take time to understand what you and your clients or members need to achieve. We think further than the usual solutions to try and improve outcomes. Our market reviews, negotiation and buying power offer them best value and complete impartiality.

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We only deliver solutions that are right for them and agreed with you

Context

As a Professional Adviser or Association, your clients or members will have a natural interest in benefits whatever their shape or size. Maybe they’re central to their HR strategy because staff wellbeing links to productivity, culture and business success. Or perhaps they just recognise the genuine value that carefully chosen products, tailored and delivered by experts, can bring.

We firmly believe that fully supporting employee wellness and work-life balance will take centre stage going forward because in a decade, UK employment has radically changed.

Our default retirement age has gone. Working from home is accepted. A bonus or pay rise is no longer assumed. Part-time and zero hour contracts have become familiar ground. Pensions are automatic. Stress-related absence is on the up. International expansion is the obvious next step. Recruiting and retaining talent has hit new, competitive heights and budgets are a far cry from their pre-recession highs.

As such, workforces are more diverse than ever before. As are consumers. Our population is ageing. Self-employment is on the up. More people live alone.

Older age groups travel far, wide and more often than before.

We understand this new world of ours. We were there when it began and, with our parent company Punter Southall Group, have grown into a bigger, better and stronger business alongside it.

A dynamic, healthy and valued working environment helps micro businesses, SMEs and large corporates achieve that sustainable, high performance culture which we all strive for - one that builds value for their employees and engagement for their company. At the same time, both company and personal budgets are precious; everyone needs to save money, not spend it.

Let's start by helping you tohelp them build value throughtheir benefits

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Andrew Pearson - Associate Director, Wilby Ltd

We have enjoyed a successful partner relationship with Punter Southall Health & Protection for several years and have always found their staff extremely knowledgeable and efficient. They are responsive and pro-active in all our dealings and the conversion rate for referrals is extremely high.

Many of our clients are also Punter Southall Health & Protection clients and the feedback is that they provide an excellent service. I would have no hesitation in recommending their services to any company wanting to develop a partner arrangement.

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Protection Benefits

Employers have all sorts of responsibilities towards their staff. Some are optional. Others, like protection benefits, are a given in specific industries regardless of size or when they reach a certain critical mass. But being a ‘given’ isn’t really enough when they’re capable of so much more.

Their purpose is undisputed if it comes to the crunch: Protection benefits financially safeguard employees and their families against tragedy, accidents and debilitating illness.

They are simple to understand, tax efficient and relatively inexpensive. As such, they’re a popular employer choice and with our online risk administration self-service platform, they’re now more reliable to manage too. Irrelevant of size or staff numbers, we use them to make sure your clients or members and their staff are protected in valued, cost effective ways that are easy to implement.

But as benefits go, these are the least valued by employees, as very few ever get close enough to use them. So price often wins - a commodity spend, which with localised adjustments, works for international workforces too.

There’s room for improvement and we’re right up for innovation that delivers genuine value for your clients or members and their staff. We expand on the traditional core benefits to deliver alternative solutions that can help empower employees, reduce sickness absence and drive their business productivity forwards.

Healthcare Benefits

Quality medical treatment and advice isn’t thesame for everyone because everyone isn’t the same. Age, technology, culture, cost and size of business all influence value perceptions; wellness adds another dimension. But with medical costs rocketing and employee absence increasing, the message is clear: healthcare, both as a benefit and as a privatelybought policy, has to deliver.

Healthcare has to be proactive, preventative, sustainable and cost effective whether your client or member is an individual consumer buying a policy for themselves and their family, or an employer looking to protect their employees. It also needs to work for people working and travelling abroad just as well as for those at home. It needs to be user-friendly and accessible.

Effective, future-proof and flexible healthcare design is derived from genuine discussion that delves into the heart of each business and the needs of every consumer. It’s a significant and complex decision. Everyone needs to be able to

afford it tax-wise but in addition, your client or member has to deliver what their employees hold in high esteem and what will help them back to work.

It’s a constant, complex balance and one that has to maintain harmony and integrate with other employee benefits and recruitment policies to be successful.

Through careful consideration of what’s right for your client or member, their employees and possibly their families too, we research the market, examine the detail and then deliver bespoke benefits that blend with their needs. We help them avoid making expensive mistakes.

FINANCIALLY PROTECTING BUSINESSES AND THEIR EMPLOYEES WITH

• Group Life Assurance

• Group Income Protection

• Critical Illness Insurance

• Personal Accident Insurance

• International Protection Benefits

CREATING TOTAL HEALTHCARE EQUILIBRIUM FOR ORGANISATIONS AND INDIVIDUALS WITH

• UK and International Private Medical Insurance

• Healthcare Trusts

• Personal Nurse Adviser Service

• Health Cash Plans

• Dental Insurance

• Travel Insurance

Call us 01274 588 862 Visit us www.pshp.co.uk

Call us 01274 588 862 Visit us www.pshp.co.uk

Tim Bell - Commercial Manager, HTA

Punter Southall Health & Protectionhas been a key partner of The Horticultural Trades Association for a significant number of years. Many HTA members have benefited from their competitive business healthcare product and savings have been made on members’ current insurers offers. They also deliver quality customer service and proactively engage with our members to effectively market their product.

We help, manage & work for you

Wellness Benefits

Optimum employee wellness translates as productive, loyal staff proactively managing their health and wellbeing with a helping hand from their employer - your client or member. But one size rarely fits all; each company is different and the first hurdle is to define what wellness means for them.

Done well, wellness programmes can have an uplifting effect on companies of any size or industry. From small businesses to large corporates, they can reduce costs, absence and turnover and prevent illness, all while driving engagement and performance.

But achieving wellness goals isn’t straightforward. To genuinely succeed, wellness has to mirror the diversity of your clients’ or members’ employees – their needs, roles and choices - throughout their extended working lives. Their employment journey has got longer and each step still needs supporting.

It’s tricky but not insurmountable. Our workplace reviews lead to strategies, industry benchmarking and transparent budgets. Integrating our absence management process can make workplace ill health more sustainable and cost effective and can get employees back to work faster too.

We help your clients and members streamline their employee benefits, health initiatives, absence policies and culture so that they work in unison to build real value. In tandem with other benefits, we implement, manage and measure their programmes.

International Benefits

Providing benefits for employees and their families living and working overseas is a fast-increasing HR trend. They help attract and retain the right, high calibre people to drive your client or member’s international business forward. But, designing and implementing benefits globally can be a significant investment that is far from simple.

According to state provision and culture, benefit programmes for employees and their families abroad vary by country. Whether individuals are expatriates, third country nationals or local national employees has an impact too. It’s vital to get this right from the start to ensure everyone is properly covered. We provide international consulting and broking services to help businesses of all shapes and size devise, deliver and sustain global benefits. As the UK arm of Asinta - a partnership of independent, English-speaking benefit consultants - our specialist advisers help define your client and member’s strategy. Using local market knowledge from over 50 countries, they design relevant, cost effective solutions

that support employees according to where they are working.

Consumers need to put contingency plans in place themselves for holidays or periods of living abroad. Assessing different healthcare systems and fluctuating costs can be a daunting task but our highly personal service helps them choose the right cover to make sure themselves and their family can quickly access quality medical treatment, wherever they are.

Together, we put solutions in place that look after and support your clients or members while matching their business or personal needs. We know which country needs what and which questions to ask, even when they’re miles away.

SAFEGUARDING THE WELLBEING OF EMPLOYEES AND INDIVIDUALS OVERSEAS WITH

• International Protection Benefits

• International Private Medical Insurance

• Travel Insurance

• International Pre-assignment Services

DEFINING ALL-ROUND BUSINESS WELLBEING FOR COMPANIES WITH

• Absence Management

• Occupational Health

• Employee Assistance Programmes

• Health Risk Assessments

• Stress Audits

• Wellness Initiatives

Call us 01274 588 862 Visit us www.pshp.co.uk

Online Benefits

Having an enviable set of benefits isn’tvaluable unless employees appreciate and understand them. Effective communications are key. But workforces are much more disparate than ever before, so getting a message consistently across isn’t always easy.

Many small to large employers have workforces spread across locations, shift patterns, contracts and continents. Explaining benefits, let alone driving employees to make choices, requires a solution that does it for them.

Online benefits are a gateway to rewards-based employee engagement all year round. Your client or member can count them down and send them reminders. They know who’s done it and who hasn’t, all at the touch of a button. Their ethos, culture and brand are instantly recognisable and inviting so individuals review their benefit data and Total Reward statement – then act on it.

It can be the first time many employees properly understand the full worth of their rewards package. And that’s before we add in the appeal of discounted shopping and various voluntary benefit choices. It’s meaningful, engaging and empowering.

We design a solution that includes benefit offerings and a reporting structure to match your client or member’s requirements. Then we train them on administering it. The system is ours. We designed, built and continually update it to help the next generation of employees make their reward work even harder for them.

We couldn’t achieve all that we doon our own. Two key relationships help bring our propositions to life for your clients or members.

We are a subsidiary of Punter Southall Group, founded in 1988. With over 850 employees based in various office locations across the UK, it is now one of the biggest, independently owned entities of its kind.

In addition to us, the group provides a range of actuarial, consultancy and administration services to support pensions schemes of all sizes.

We work together on total client employee benefit solutions that involve pensions too.

As the exclusive UK partner of Asinta – a partnership of independent, English-speaking benefit consultants - we have immediate access to specialist, local knowledge in over 50 countries worldwide.

Established in 1992, Asinta helps companies devise, implement and manage their employee benefits at globally strategic and individual local country levels with meticulous attention to detail, however large or small the schemes.

DRIVING REWARDS-BASED EMPLOYEE ENGAGEMENT WITH

• Total Reward

• Voluntary Benefits

• Flexible Benefits

• Discounted Shopping

• Online Communications

Call us 01274 588 862 Visit us www.pshp.co.uk

Helping us to deliver

How we build value

Our workforce is renowned. We’re technically expert and client-friendly. Our market knowledge and commitment means we get to know what works for you and your clients or members really well. We’re qualified, professional, supportive and ultimately impartial. We know that informed choices and absolute clarity help build trusted relationships with you and them.

A range of service propositions to fit all size and sort of business will transform your client or member’s scenario into a bespoke solution that fits them like a glove. We guide them through legislative and regulatory complexities. We dig into the detail. Our global connections safeguard the wellbeing of their employees working abroad. Due to our scale and insurer relationships we maximize your client or member’s value by negotiating the best rates, irrespective of size of scheme.

Working with them we implement, help communicate and take on any claims disputes to get them resolved. We make sure their benefit solution really is as good as it looks.

But we’re also here to make waves. We’re passionate about challenging tradition to create more valued, alternative products and services to help your client or member deliver their responsibilities better.

With top-level expertise in protection, healthcare, wellness, international and online benefits, we know that the best way to determine the future is not to leave it to chance.

Instead we design and deliver your client or member’s benefits strategically, holistically, financially and sustainably - the way they work for them personally, or for their business and employees.

Since 2007 we have continually evolved and strengthened our offerings for clients with in-house innovation, the best practitioners and business acquisitions that reflect our values. The Private Health Partnership, with its 25-year highly successful history, was a key addition in 2014.

We now work with consumers, small, medium and large companies, trade associations, affinity partners, brokers and other professional advisers.

We advise over 750 corporate clients, 2,700 SMEs and 4,500 personal customers. Each one is treated with the same care and respect.

We're proud of that

Call us 01274 588 862 Visit us www.pshp.co.uk

Punter Southall Health & Protection is a trading name of Punter Southall Health and Protection LimitedPunter Southall Health and Protection Limited is authorised and regulated by the Financial Conduct Authority, FCA reference number: 312841Registered office: 11 Strand, London WC2N 5HR Registered in England and Wales Number 2248238. VAT registration number 782601821

© Punter Southall Health and Protection Limited 2015.

For further information,call us on 01274 588 862,email us on partnerenquiries@pshp.co.uk,or visit our website www.pshp.co.uk