Who are we?
3SQ Employee Benefits are a specialist division of St Edmundsbury Financial Services. We have been set up with 2 key focus
areas - to help employers manage their Auto Enrolment duties, and to set up suitable employee benefits packages. 3SQ Employee
Benefits has been set up to help SME businesses, and has recruited a specialist team with experience within this area. Pension,
Private Medical Insurance, Group Life Assurance, Group Income Protection, Critical Illness, Dental, Travel and Cash Plans.
Why choose us?
- Competitive and sustainable pricing
- Simplified processes with less form filling and administration
- Agreed provider service levels and dedicated insurer teams
- Flexible design options
- Additional products within the standard terms, including health assessments or dental and optical coverage at no additional
Who should I contact?
How are we paid?
This depends upon the product sold - for employee benefits packages, we are usually paid a commission from the insurers
we work with. The commission we receive will be fully declared to you. For Automatic Enrolment / pensions, we work on a fee
basis which is agreed with you before work starts. An initial assessment is usually completed free of charge.
Which employee benefits are going to be right for my company?
3SQ Employee Benefits will be able to work with you to understand your business. We will look at your reasons for offering
an employee benefit package, who you want to reward and your budget, With this insight, our team of advisers will be able
to help you make the right decisions for your business and for your employees. You may select just one type of scheme to
set up, or you may select a number of difference schemes to run concurrently.
What do I need to do?
You will need to provide us with key information so that we can research the market and gather quotations. When you have
decided to proceed, your dedicated adviser will assist with any administration required.
What is a group critical illness?
Group Critical Illness is a policy that provides a cash lump sum either in the form of a multiple of salary or a fixed lump
sum to an employee in the event of a serious medical illness being diagnosed.
What is group life insurance?
Group Life Assurance is a policy that pays a lump sum, usually to the dependants, upon the death of an employee. It is the
most common type of group insurance and there are usually no policy exclusions.
How can I help my employees protect their income if they are unable to work?
You can provide them with a Group Income Protection policy. A Group Income Protection policy usually provides an employee
with either a percentage of salary or a fixed sum to replace their income if they are unable to work due to illness.
What information do 3SQ require?
This depends upon the type of plan that you are interested in. However, many plans will require information such as employee
age or date of birth, location, occupation and salary.