As far as companies are concerned, purchasing group cover, as well as pension and provident funds for their employees, show concern for their staff's wellbeing. Also, it positions the company as an employer of choice. Employee benefits are provided according to the needs of the employer and employees and include the following: Retirement Provision, Risk Cover – Life, Disability, Critical Illness, Income Protection, and funeral cover. The risk cover comes with limits free of underwriting which means that you can provide cover for staff members up to certain levels who might not qualify for cover through the normal channels.