Life assurance,from quote to payout

Yes. Appoint Kota and nothing about your policy changes. At renewal, our benefits team quotes your current insurer alongside others, so you can compare them side by side.

Life cover is often two to four times salary. Income protection often pays half to three-quarters of salary. What’s right for your team is your call.

Most don’t. Insurers only ask medical questions when someone’s cover goes above their no-questions limit, and Kota flags who that applies to.

Their cover ends on their last day, so you stop paying for them. If they can continue it on their own, Kota’s agent tells them.

Anywhere from an hour to four weeks, depending on the size of your team and whether we’re quoting a new scheme.

Kota connects to your HRIS, so joiners and leavers come through on their own. Anything else is one tap in Kota, effective that day.

Your insurer sets the premium, and our benefits team quotes the market so you see the range. As a broker, insurers pay us the commission. For your team, Kota charges one per-employee fee for platform access, whatever benefits you run.

It pays a lump sum to an employee’s family if they die while working for you, which is why it’s often called death in service. Many companies add income protection, which pays part of someone’s salary if illness or injury stops them working for a long time, and critical illness cover, which pays a lump sum if they’re diagnosed with a serious condition.