Paul Avis: Three key group risk considerations

* Eligibility: Some employers limit their schemes to either executives or pension scheme members but, wherever possible, an eligibility of ‘all employees' works best for a number of reasons. Schemes with a limited number of employees will have a lower ‘free cover level' (FCL), which is the maximum amount of benefit an employee can have without needing any medical underwriting in normal circumstances. Benefits over the FCL will be medically underwritten and individuals may be limited to the FCL, have additional costs or be postponed. Also, as these tend to be high-earners, they do not nec...