Individual Products

These insurance products have grown increasingly complex due to the development of new products and to the impact on existing products of the consolidation in the insurance markets.

Knowing how much and what kind of insurance is only the first step in ensuring your portfolio is designed to accommodate your current needs while maintaining the flexibility to adapt as your needs change in the future.

Like many insurance products today, it’s important to consider the insurance company as well as the design and integrity of the product when assessing it’s merit for your situation. The options are many but we will help you understand each product and, as a start, have provided brief descriptions below.

The Hull group prides ourselves on our ability to communicate complex issues in an easy to understand format. We have a long list of clients with diverse individual needs that will speak to our ability to tailor solutions.

• Life Insurance
• Disability Insurance
• Critical Illness Coverage
• Retirement Planning
• Individual Pension Plans

Benefits

Benefits are becoming increasingly important to both the employee and the employer. For the employee, they represent security, health-related coverage and tax advantages for both themselves and their dependents.

For the employer, these plans are a source of concern as the costs continue to increase in excess of inflation. We will help to ensure you have a plan that is competitive within your industry sector, and is managed efficiently by maximizing the resources available through your insurance provider and The Hull Group.

• Group Benefits
• Pensions
• Special Risks
• Executive Pensions
• Mergers & Acquisitions