Group Risk Benefits 

Group Risk benefits are designed to protect and insure Employees and their families in the event of long-term illness or death while working for an organisation.

What is Group Risk?

Group Risk is an umbrella term for three Employer sponsored employee benefits: Group Life Insurance, Group Income Protection and Critical Illness cover. 

Provided in isolation or as part of a wider benefits package, these can give Employees access to insured protection cover either at a reduced rate or free of charge as they are covered under one "group" policy. This is often more readily available than individual cover since most Employees do not generally need to provide medical details before cover is granted.

Group Risk benefits are highly valued by Employeers as they provide financial protection and peace of mind for both themselves and their families, yet they are relatively inexpensive for Employers compared with some other components of the typical benefits package. 

Rossborough can guide the Employer through the establishment process for a new scheme explaining all the options along the way. Please follow the links below for more information on the benefits that we can arrange.

Group Life
Group PHI
Group Critical Illness 

Local Schemes 

International Multi Jurisdictional Schemes 

Group Pensions 

Rossborough Financial is the largest provider of independent financial advice  in the Channel Islands specialising in corporate Employee benefits and pension arrangements to Employers in Jersey and Guernsey and their global subsidiary offices.

Rossborough Financial have unique expericence in the Channel Islands in supporting Employers and their staff with advice on suitable pension arrangements.

We can assist Employers in pension provision for 2 or 3 staff up to Employers with hundreds of Employees in both Jersey and Guernsey. Rossborough have developed unique pension solutions for both the Corporate and Individual market and full details of these can be found below.

Literature Library 

Overview of the Occupational Retirement Plan (TORP) 

Rossborough Group Personal Retirement Plan 

Contact us

Rossborough Financial Services Limited

Email: enquiries@rfsl.co.uk


Phone: 01534 500662
Fax: 01534 732262

PO Box 332, 41 La Motte Street
St Helier, Jersey JE4 9YA


Phone: 01481 241534
Fax: 01481 241535

PO Box 127, Rossborough House
Bulwer Avenue, St Sampsons 
Guernsey GY1 3HG

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