Group Life Assurance (Death in Service)
Group Life Assurance (Death in Service) branch

A Group Life Assurance scheme enables employers to provide a tax-free lump sum benefit to an employee’s family or chosen beneficiary, if they should die in service.

Death does not need to take place during work, but the employee is required to be on the payroll of the company.

Many employees will include this scheme as part of an attractive employee benefits package.

An employer can choose whether to select certain individuals to be covered, a team or the entire company, should they so wish. Typically, a level of benefit will be a multiple of that employees’ salary but specific amounts can easily be accommodated.

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Why should you use Movo?

A Personal Service

Using Movo as your broker means you will receive a personal service.

Our focus isn’t on streamlining processes but rather on spending our time getting to know what matters most to you in order to provide you as a client with the best products at great value, always tailored to your needs.

Independent advice

Choosing an independent broker like Movo means that you will receive impartial advice. We are not tied to either any group of insurers or individual providers. When you instruct us to quote or act as your brokers you will have the reassurance that we are only looking out for your best interests.

Not a call centre

When you approach us, we will act as your agents and are here to exclusively look after your best interests. Our staff are all trained professionals with no need to use a call script: every call with every customer is a genuine conversation.

Movo are traditional insurance brokers and we do not operate from a call centre environment. Wherever possible we will meet our clients face-to-face. All our sales are advised and we pride ourselves in the ability to tailor cover and cost to suit all our clients needs.

Pay the right price and not a penny more

We recognise that the cost of insurance is a major concern for all clients.

Choosing an independent broker like Movo means that you will always receive impartial advice. We are not tied to either any group of insurers or any individual providers. When you instruct us to quote or act as your brokers, you will have the reassurance that we can approach any one of the 90 providers that we have access to and put forward the best deal for you.

 

Who can we help?

Companies who are looking to retain key staff with some employee benefits
Employers looking to attract new staff
ompanies wishing to offer a simple Life Insurance policy to which the employees will contribute

Getting a Quote from Movo is easy

The fastest way to hassle-free quote would be to submit your current
insurance schedule or renewal invitation here. Alternatively, you can request
a call back or give your local office a call.

Upload Schedule

Give us a call 02922 400 004

Testimonials

5.0 out of 5.0 stars
Well informed and knowledgeable people who go out of their way to find the best deals for their clients. They have managed to save us a great deal of money whilst negotiating an even better policy. We would recommend their services to anyone
Fiona Taylor
Sym French polishers
5.0 out of 5.0 stars
A friendly and professional company. Very efficient and nothing is too much.
Joanne Taplin
Service Master London
5.0 out of 5.0 stars
Movo Insurance has helped our company get good insurance deals over several years and recently negotiated a claim settlement that looked hopeless at first. They worked hard for our company. We will continue to rely on them for insurance!
Krisztina Heathcote
Ize
5.0 out of 5.0 stars
Movo Insurance is undeniably the most proactive broker we have ever used.
Luke Wesserly
Sym French polishers
5.0 out of 5.0 stars
Brilliant - personal, friendly, efficient. Got me better cover for a lower price; took the time to explain why it's better to talk to a person rather than just search online. 100% happy!
No Nonsense Tech

Frequently asked questions

We are here to make your life easier when it comes to all thing's insurance. If you have Property
Insurance cover, you may well have or require some of the below cover also:

What is Personal Protection?

This type of Protection is designed to protect what matters most – you and your family. The cover can be designed to protect anything for a mortgage liability through to your children’s futures. There are a range of different levels of cover available, the big 3 are Life Cover, Critical Illness Cover and Income Protection.

What is Business Protection?

This type of Protection is designed to protect the business interests of the shareholders, the key personal and its employees. One of the biggest risks to any company is the loss of key individuals which forces uncertainty. This protection is designed to ensure your business can recover as quick as possible. The cover provided stretches from Key Man Cover, Share Protection, Business Loan Protection and Relevant Life Cover.

What Levels of cover is available?

  • Level term assurance
    The amount of life cover will remain the same throughout the life of the policy. Generally suitable for family protection and Interest Only mortgages.
  • Decreasing term assurance
    The amount of life cover will typically reduce in-line with the outstanding debt on a repayment mortgage. Typically suitable for Repayment mortgages where the mortgage loan is repaid gradually over the course of the mortgage term.
  • Family Income Benefit
    This is not too dissimilar to a Level Term policy; however, the proceeds are paid out an annual basis until the end of the policy rather than a lump sum payment.

What Type of cover is available?

  • Death Benefit
    This policy will payout upon Death only. Most death benefits plans will include Terminal Illness cover (If you are given a life expectancy of less than 12 months the policy will pay out immediately).
  • Death or Earlier Critical Illness
    This policy would payout on a first event basis of either death or diagnosis of a specified Critical Illness. Generally, once a successful claim is made the policy will cease. Also includes Terminal Illness cover
  • Critical Illness only
    This policy will only payout upon diagnosis of a specified Critical Illness Only. This is often referred to as a ‘Standalone Critical Illness Policy’.
    NOTE: Please note it is very important to understand the Critical Illness policy you take out as cover varies dramatically between the insurers.
  • Income Protection
    This type of cover is designed to pay a tax free monthly amount directly into your bank account to support you if you are unable to work due to accident, illness, sickness or injury. This policy is designed to cover you beyond any sick pay provided by your employer and ensures long term financial stability during your recovery.

What is the purpose of Business Protection?

The idea behind Business Protection is to look at one of the main risks that businesses face: what happens when you lose an Owner, Director or Key member of your team due to death or ill health? Many businesses have lengthy plans for events such as fire drills but have never considered what impact losing someone at the business could have. This can be very costly, and unfortunately can lead to many businesses being forced into liquidation. Having the right Business Protection in place can ensure your company continues without financial difficulties. The Type of protection needed depends on your circumstances, the main areas of cover are:

  • Key Man Cover
  • Share Protection
  • Business Loan Protection
  • Relevant Life Cover

How long can I have the cover for?

This is often referred to as the policy Term or Duration. Generally, the Term is linked with your specific needs such as your mortgage duration, child dependency or retirement age. You can also choose to have a ‘Whole of Life’ policy which has no expiry, this runs until the day you pass away no matter how many years that may be. This type of cover is often used to provision for funeral costs or IHT bills (inheritance tax).

Can my premiums be fixed?

It depends on the policy type selected at application stage. Premiums can be ‘guaranteed’ and remain fixed throughout the duration of the policy OR the premiums can be ‘reviewable’ which means the premium can change during your review dates (typically every 5 years).

Can the cover be linked to inflation?

This depends on the insurance provider and policy type. Certain policy types such as Term Assurance can be linked to inflation and is often tracked by RPI (Retail Price Index). This ensures the value of the policy does not erode over time and provides the value of cover you intended at the start of the policy if a claim is made. It is important to understand that if you choose to increase your cover the premium would also increase.

What defines a ‘Smoker’?

The general stance taken by insurers is if a person has smoked or used any type of nicotine such as cigarettes or cigars or nicotine replacement products including patches, gum and E-Cigarettes (depending on nicotine levels).

How do I get advice?

Simple! Speak to one of our advisors, they can provide expert insurance advice and help tailor a policy exactly to your needs ensuring you have the most suitable cover: this can range from the right type of policy(s), amount and duration of cover and source the right insurer considering your personal circumstances and overall answer any question you have to ensure you have total peace of mind in the cover you have.
To get advice please call #TELEPHONE NUMER# or complete the ‘Request a Quote’ form on our website.

How do I apply for cover?

This depends on the insurer, most have online interactive questionnaires about your current and past health and lifestyle. You may be able to receive and instant decision or there may be a requirement for further medical evidence such as a Doctor’s report or Nurse Medical Screening. By using an Advisor this process can be broken down step by step and offer you peace of mind the process has been completed correctly and remove and doubt about the policy.

Can I get guaranteed acceptance?

Most policies are medically underwriting and acceptance is dependent on each insurer’s underwriting philosophy. An application may be declined due to current or past health issues or lifestyle based activities such as hazardous pursuits or travel. If you are unable to obtain a medically underwriting policy, you can consider an Over 50’s policy, which does provide guaranteed acceptance with an initial exclusion period (consider it a qualifying period). However, if you die as a result of an illness during this period your family would typically be refunded the premiums plus some additional benefit (insurer dependent).

I have been declined by another insurer, can I still get cover?

Potentially, every insurer views different medical conditions and personal circumstances in their own unique way, this refers to the insurer’s underwriting philosophy and where one insurer has declined cover another maybe able to offer cover. It is important to remember that this may not be the case every time as the decision rests on your disclosures.
An Advisor can take this burden away and use the experience and knowledge on which insurer best suits your needs.

What Service do you provide?

We provide Advice & Recommendations for Non-investment protection contracts from a range of insurers.

Are you ‘Whole of Market’?

Yes, we can use whichever insurer we choose and have links to all the mainstream insurance providers plus a range of specialist insurance providers.

What Fee’s do you charge?

None! We do not charge a fee for our services at any point in time. We are paid a commission by the insurance provider. This does not influence which insurer we use as we always keep our clients interest at heart above everything else.

What happens if the insurer goes bankrupt?

Most insurance policies in the UK are covered by the Financial Services Compensation Scheme (FSCS). Typically, insurance advice and arrangement is covered up to 90% of the claim without any upper limit. Therefore, in the unlikely situation an insurer suffers bankruptcy you are covered by the FSCS free of charge. Further details can be found at http://www.fscs.org.uk/what-we-cover/products

Find out how we may be able to help you here by asking one of our team.
We also provide Private, Life and Health Insurance cover too.

Welcome to Movo Insurance

Cowbridge Branch

Request a quick insurance quote below

02922 400 004

Cowbridge Branch

Award & Accreditation

Association

Our Cowbridge branch is located in Cowbridge. Download our find us PDF

About the branch

Where are we?
We are located on the main street of Cowbridge Town Centre close to the traffic lights.
There is plenty of free parking in the area and a large town centre car park within walking distance to our offices.
There are some steps to our office entrance so if you need assistance with access please let us know.

What areas do we serve?
We can provide service to businesses nationwide, although our focus is helping businesses in South & West Wales, particularly in our surrounding areas of the Vale of Glamorgan, Cardiff, Swansea, Newport and the South Wales Valleys.

Get in touch today:

02922 400 004

Getting a Quote from Movo is easy

The fastest way to hassle-free quote would be to submit your current insurance schedule or renewal invitation here. Alternatively, you can request a call back or give your local office a call.

Upload Schedule

Give us a call 02922 400 004

Why choose Movo?

Fast turn around

Our well-motivated and knowledgeable staff will move heaven and earth to find you the right deal as quickly as possible.

Highest professional standards

We commit ourselves to the highest development standards for all our colleagues, you can rest assured you are in good hands.

Cost effective

We do not sell cheap insurance, we arrange great value, well functioning products by using our experience and knowledge.

Clients at heart

Nothing summarise Movo like our mantra, ‘Putting our customers interest at the heart of everything we do’.

Private Products

What type of business do you want to advertise to

Chartered Insurance Broker

Chartered Insurance Broker (Golan Lambranzi) will provide you with assistance.

Testimonial

5.0 out of 5.0 stars
Well informed and knowledgeable people who go out of their way to find the best deals for their clients. They have managed to save us a great deal of money whilst negotiating an even better policy. We would recommend their services to anyone
Fiona Taylor
Sym French polishers
5.0 out of 5.0 stars
A friendly and professional company. Very efficient and nothing is too much.
Joanne Taplin
Service Master London
5.0 out of 5.0 stars
Movo Insurance has helped our company get good insurance deals over several years and recently negotiated a claim settlement that looked hopeless at first. They worked hard for our company. We will continue to rely on them for insurance!
Krisztina Heathcote
Ize
5.0 out of 5.0 stars
Movo Insurance is undeniably the most proactive broker we have ever used.
Luke Wesserly
Sym French polishers
5.0 out of 5.0 stars
Brilliant - personal, friendly, efficient. Got me better cover for a lower price; took the time to explain why it's better to talk to a person rather than just search online. 100% happy!
No Nonsense Tech

In association with

Welcome to Movo Insurance

Croydon Branch

Request a quick insurance quote below

0208 138 5090

Croydon Branch

Award & Accreditation

Association

Our Croydon branch is located in Orpington. Download our find us PDF

About the branch

Where are we?

We occupy a recently refurbished, double unit at the end of a busy commercial parade in Cotmandene Crescent, Orpington. We also have an office in Croydon.

What areas do we serve?

We provide service for businesses nationwide, although our focus is on hospitality businesses, property owners and individuals who need expert insurance assistance in Croydon and the surrounding areas including: Coulsdon, Addington, Addiscombe, Purley, Eastbourne and Tunbridge Wells as well as other locations in the vicinity.

Get in touch today:

0208 138 5090

Getting a Quote from Movo is easy

The fastest way to hassle-free quote would be to submit your current insurance schedule or renewal invitation here. Alternatively, you can request a call back or give your local office a call.

Upload Schedule

Give us a call 0208 138 5090

Why choose Movo?

Fast turn around

Our well-motivated and knowledgeable staff will move heaven and earth to find you the right deal as quickly as possible.

Highest professional standards

We commit ourselves to the highest development standards for all our colleagues, you can rest assured you are in good hands.

Cost effective

We do not sell cheap insurance, we arrange great value, well functioning products by using our experience and knowledge.

Clients at heart

Nothing summarise Movo like our mantra, ‘Putting our customers interest at the heart of everything we do’.

Private Products

What type of business do you want to advertise to

Our Team

Maurice De Saa

Scott Jones

Inshan Ali

Jake Park

Megan Pearson

Marina De Saa-Perrin

Matthew Hyams

Laurence De Saa-Perrin

Chartered Insurance Broker

Chartered Insurance Broker (Golan Lambranzi) will provide you with assistance.

Testimonial

5.0 out of 5.0 stars
Well informed and knowledgeable people who go out of their way to find the best deals for their clients. They have managed to save us a great deal of money whilst negotiating an even better policy. We would recommend their services to anyone
Fiona Taylor
Sym French polishers
5.0 out of 5.0 stars
A friendly and professional company. Very efficient and nothing is too much.
Joanne Taplin
Service Master London
5.0 out of 5.0 stars
Movo Insurance has helped our company get good insurance deals over several years and recently negotiated a claim settlement that looked hopeless at first. They worked hard for our company. We will continue to rely on them for insurance!
Krisztina Heathcote
Ize
5.0 out of 5.0 stars
Movo Insurance is undeniably the most proactive broker we have ever used.
Luke Wesserly
Sym French polishers
5.0 out of 5.0 stars
Brilliant - personal, friendly, efficient. Got me better cover for a lower price; took the time to explain why it's better to talk to a person rather than just search online. 100% happy!
No Nonsense Tech

In association with

Welcome to Movo Insurance

Eastbourne Branch

Request a quick insurance quote below

01323 404 500

Eastbourne Branch

Award & Accreditation

Association

Our Eastbourne branch is located in Eastbourne. Download our find us PDF

About the branch

Where are we?
We are located in a first floor office suite that has been recently refurbished at St Luke’s Parish Centre in Stone Cross. The office is ideally situated on the B2247 Rattle Road with easy access to the A27 linking with Eastbourne and Hailsham.

What areas do we serve?
We will service businesses nationwide, although our focus is on businesses and individuals who need expert insurance assistance in Eastbourne and particularly our surrounding areas which include: Brighton, Lewes, Peacehaven, Seaford, Hailsham, Polegate, Herstmonceux, Pevensey, Stone Cross, Bexhill and Hastings.

Get in touch today:

01323 404 500

Getting a Quote from Movo is easy

The fastest way to hassle-free quote would be to submit your current insurance schedule or renewal invitation here. Alternatively, you can request a call back or give your local office a call.

Upload Schedule

Give us a call 01323 404 500

Why choose Movo?

Fast turn around

Our well-motivated and knowledgeable staff will move heaven and earth to find you the right deal as quickly as possible.

Highest professional standards

We commit ourselves to the highest development standards for all our colleagues, you can rest assured you are in good hands.

Cost effective

We do not sell cheap insurance, we arrange great value, well functioning products by using our experience and knowledge.

Clients at heart

Nothing summarise Movo like our mantra, ‘Putting our customers interest at the heart of everything we do’.

Private Products

What type of business do you want to advertise to

Chartered Insurance Broker

Chartered Insurance Broker (Golan Lambranzi) will provide you with assistance.

Testimonial

5.0 out of 5.0 stars
Well informed and knowledgeable people who go out of their way to find the best deals for their clients. They have managed to save us a great deal of money whilst negotiating an even better policy. We would recommend their services to anyone
Fiona Taylor
Sym French polishers
5.0 out of 5.0 stars
A friendly and professional company. Very efficient and nothing is too much.
Joanne Taplin
Service Master London
5.0 out of 5.0 stars
Movo Insurance has helped our company get good insurance deals over several years and recently negotiated a claim settlement that looked hopeless at first. They worked hard for our company. We will continue to rely on them for insurance!
Krisztina Heathcote
Ize
5.0 out of 5.0 stars
Movo Insurance is undeniably the most proactive broker we have ever used.
Luke Wesserly
Sym French polishers
5.0 out of 5.0 stars
Brilliant - personal, friendly, efficient. Got me better cover for a lower price; took the time to explain why it's better to talk to a person rather than just search online. 100% happy!
No Nonsense Tech

In association with

Welcome to Movo Insurance

Leicester Branch

Request a quick insurance quote below

0116 4785510

Leicester Branch

Award & Accreditation

Our Leicester branch is located in Oakham. Download our find us PDF

About the branch

Are all your staff local?

A. Yes, our business is 90% security combined products and 10% providing ancillary products to security companies like fleet, life and medical insurance.

Are there any benefits to using a local broker?

A. Yes, a standard public and employer’s liability policy is highly unlikely to be suitable for the needs of a security company whether they be an alarm installation outfit or a door supervision firm. Using specialists means you will have the correct advice when arranging your insurances.

Get in touch today:

0116 4785510

Getting a Quote from Movo is easy

The fastest way to hassle-free quote would be to submit your current insurance schedule or renewal invitation here. Alternatively, you can request a call back or give your local office a call.

Upload Schedule

Give us a call 0116 4785510

Why choose Movo?

Fast turn around

Our well-motivated and knowledgeable staff will move heaven and earth to find you the right deal as quickly as possible.

Highest professional standards

We commit ourselves to the highest development standards for all our colleagues, you can rest assured you are in good hands.

Cost effective

We do not sell cheap insurance, we arrange great value, well functioning products by using our experience and knowledge.

Clients at heart

Nothing summarise Movo like our mantra, ‘Putting our customers interest at the heart of everything we do’.

Private Products

What type of business do you want to advertise to

Chartered Insurance Broker

Chartered Insurance Broker (Golan Lambranzi) will provide you with assistance.

Testimonial

5.0 out of 5.0 stars
Well informed and knowledgeable people who go out of their way to find the best deals for their clients. They have managed to save us a great deal of money whilst negotiating an even better policy. We would recommend their services to anyone
Fiona Taylor
Sym French polishers
5.0 out of 5.0 stars
A friendly and professional company. Very efficient and nothing is too much.
Joanne Taplin
Service Master London
5.0 out of 5.0 stars
Movo Insurance has helped our company get good insurance deals over several years and recently negotiated a claim settlement that looked hopeless at first. They worked hard for our company. We will continue to rely on them for insurance!
Krisztina Heathcote
Ize
5.0 out of 5.0 stars
Movo Insurance is undeniably the most proactive broker we have ever used.
Luke Wesserly
Sym French polishers
5.0 out of 5.0 stars
Brilliant - personal, friendly, efficient. Got me better cover for a lower price; took the time to explain why it's better to talk to a person rather than just search online. 100% happy!
No Nonsense Tech

In association with

Welcome to Movo Insurance

Orpington Branch

Request a quick insurance quote below

0208 049 8020

Orpington Branch

Award & Accreditation

Our Orpington branch is located in Cotmandene Crecent. Download our find us PDF

About the branch

Where are we?
We occupy a recently refurbished, double unit at the end of a busy commercial parade in Cotmandene Crescent.

What areas do we serve?
Whilst from our Orpington branch we will service business nationwide, our focus is on businesses and individuals who need expert insurance assistance in Kent and particularly our surrounding areas which include: Sidcup, Chislehurst, Bromley, Petts Wood, Swanley, Dartford

Get in touch today:

0208 049 8020

Getting a Quote from Movo is easy

The fastest way to hassle-free quote would be to submit your current insurance schedule or renewal invitation here. Alternatively, you can request a call back or give your local office a call.

Upload Schedule

Give us a call 0208 049 8020

Why choose Movo?

Fast turn around

Our well-motivated and knowledgeable staff will move heaven and earth to find you the right deal as quickly as possible.

Highest professional standards

We commit ourselves to the highest development standards for all our colleagues, you can rest assured you are in good hands.

Cost effective

We do not sell cheap insurance, we arrange great value, well functioning products by using our experience and knowledge.

Clients at heart

Nothing summarise Movo like our mantra, ‘Putting our customers interest at the heart of everything we do’.

Private Products

What type of business do you want to advertise to

Chartered Insurance Broker

Chartered Insurance Broker (Golan Lambranzi) will provide you with assistance.

Testimonial

5.0 out of 5.0 stars
Well informed and knowledgeable people who go out of their way to find the best deals for their clients. They have managed to save us a great deal of money whilst negotiating an even better policy. We would recommend their services to anyone
Fiona Taylor
Sym French polishers
5.0 out of 5.0 stars
A friendly and professional company. Very efficient and nothing is too much.
Joanne Taplin
Service Master London
5.0 out of 5.0 stars
Movo Insurance has helped our company get good insurance deals over several years and recently negotiated a claim settlement that looked hopeless at first. They worked hard for our company. We will continue to rely on them for insurance!
Krisztina Heathcote
Ize
5.0 out of 5.0 stars
Movo Insurance is undeniably the most proactive broker we have ever used.
Luke Wesserly
Sym French polishers
5.0 out of 5.0 stars
Brilliant - personal, friendly, efficient. Got me better cover for a lower price; took the time to explain why it's better to talk to a person rather than just search online. 100% happy!
No Nonsense Tech

In association with

Welcome to Movo Insurance

Penarth Branch

Request a quick insurance quote below

02922 400 004

Penarth Branch

Award & Accreditation

Our Penarth branch is located in Vale of Glamorgan. Download our find us PDF

About the branch

Where are we?
A. We are located just off the Penarth Marina in serviced offices behind Tesco Supermarket.
There is plenty of free parking in the carpark across the public recreational area or we can arrange paid parking outside the offices in advance of your arrival.
Access to the offices has ramps and passenger lifts.

What areas do we serve?
A. We can provide service to businesses nationwide, although our focus is helping businesses in South & West Wales, particularly in our surrounding areas of the Vale of Glamorgan, Cardiff, Swansea, Newport and the South Wales Valleys.

Get in touch today:

02922 400 004

Getting a Quote from Movo is easy

The fastest way to hassle-free quote would be to submit your current insurance schedule or renewal invitation here. Alternatively, you can request a call back or give your local office a call.

Upload Schedule

Give us a call 02922 400 004

Why choose Movo?

Fast turn around

Our well-motivated and knowledgeable staff will move heaven and earth to find you the right deal as quickly as possible.

Highest professional standards

We commit ourselves to the highest development standards for all our colleagues, you can rest assured you are in good hands.

Cost effective

We do not sell cheap insurance, we arrange great value, well functioning products by using our experience and knowledge.

Clients at heart

Nothing summarise Movo like our mantra, ‘Putting our customers interest at the heart of everything we do’.

Private Products

What type of business do you want to advertise to

Chartered Insurance Broker

Chartered Insurance Broker (Golan Lambranzi) will provide you with assistance.

Testimonial

5.0 out of 5.0 stars
Well informed and knowledgeable people who go out of their way to find the best deals for their clients. They have managed to save us a great deal of money whilst negotiating an even better policy. We would recommend their services to anyone
Fiona Taylor
Sym French polishers
5.0 out of 5.0 stars
A friendly and professional company. Very efficient and nothing is too much.
Joanne Taplin
Service Master London
5.0 out of 5.0 stars
Movo Insurance has helped our company get good insurance deals over several years and recently negotiated a claim settlement that looked hopeless at first. They worked hard for our company. We will continue to rely on them for insurance!
Krisztina Heathcote
Ize
5.0 out of 5.0 stars
Movo Insurance is undeniably the most proactive broker we have ever used.
Luke Wesserly
Sym French polishers
5.0 out of 5.0 stars
Brilliant - personal, friendly, efficient. Got me better cover for a lower price; took the time to explain why it's better to talk to a person rather than just search online. 100% happy!
No Nonsense Tech

In association with