At Lark Life & Pensions, we draw on a wealth of experience and technical knowledge to ensure that you receive specialised and comprehensive advice.

We are committed to providing our clients with an excellent standard of service and a confidential personalised solution in this ever-changing world. Working closely with you, to gain a full understanding of your business, we will then plan and implement a suitable benefit package, according to both budget and staff profile. We select the most suitable providers in the market and relieve you of the administrative burdens of running an employee benefits scheme.

But we don’t stop as soon as the scheme is up and running, in fact, we regularly review your scheme to ensure that it continues to be the most suitable solution for you.

Pensions
Retirement planning is a very important area of our work. Our expertise in establishing or reconstructing pension plans means that we can provide the right solution for each individual company.

Most employees will have built up more than one pension entitlement during their working lifetime. Bringing these together at retirement, maximising the tax free cash aspects, and selecting the right provider to supply the pension is a complicated exercise, which is why expert advice is essential.

Medical Expenses
Waiting lists to see consultants and get treatment on the NHS can run into many months and this has an impact on businesses, which lose millions of pounds each year through staff absence. Providing medical expenses cover for staff is not just a perk but also a valuable tool in protecting company profits. In addition to arranging the most cost effective plan, we are also on hand to influence and negotiate with insurers on more difficult and complex claims. Lark’s specialist Healthcare Division, can provide you with a tailor made Medical Scheme.

Key Person Protection
The loss or disability of key personnel can have catastrophic consequences for the survival of any business. We can arrange insurance cover to provide much needed financial support for the business at a difficult time.

Shareholder Protection
The death of a shareholder may mean that an outsider inherits the shares, and has a say in, or acquires control of the business. We can assist in arranging Life Assurance cover, written in connection with the appropriate legal agreements, to ensure that the shares are retained by the surviving directors, and the deceased’s dependents receive a suitable cash payment.

Many employers spend substantial amounts of resources on employee benefits but fail to make sure that their staff appreciate and understand the value of their benefits. We can help by preparing branded literature explaining the package in a clear and concise manner.

We also have a stand alone intranet staff communications system, where employees can obtain access to details of their benefits, which can also include, car allowances, holiday entitlement and share options.

To view an example of this system, please visit: http://demo.staffcare.net/larkinsurance

For general users:
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Password: ee

For Manager/HR access:
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Password: auser