For HR, Benefits, and Payroll leaders
Walk into your next life assurance renewal with confidence.
Free 30-minute benefits review. We'll benchmark your life assurance or death in service cover against companies your size and flag what's missing or unused, before your next renewal.
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Trusted by 500+ companies
Regulated in UK & Ireland
You're booked in.
A Kota benefits specialist will reach out within 1 business day to find a time that works for your free review.
Want to poke around in the meantime?
Try the 2-minute benchmark tool →Before your call, it helps to have:
your current benefits
A rough employee headcount
Your renewal date, if you know it
No prep required though, if you don't have these to hand, we'll work with what you've got.
What your broker isn't telling you about your renewal
You might be paying your broker thousands in consultation fees and still leave without clarity on your insurance renewal.
Cover multiples creep without review
Most UK employers land on a salary multiple and never revisit it - even as headcount, average age, or seniority mix shifts the risk profile insurers are pricing you on.
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You just see one quote
Renewals usually arrive as a single number with no market comparison, so there’s no way to know if this year’s increase is normal or worth challenging.
Trust and beneficiary setup gets overlooked
Discretionary trust arrangements are often set up once at inception and never checked again as your team changes.
What happens on your free review call
30 minutes with a benefits specialist. You leave with concrete insights you can implement today.
We benchmark your cover multiple
See how your 2x, 3x, or 4x salary multiple compares to companies your size and sector, with a number you can take straight to your CFO.
We check your trust and beneficiary setup
Confirm your scheme is still correctly structured so payouts reach beneficiaries quickly and stay outside inheritance tax.
We flag what's missing before you renew
From free cover limits to eligibility rules for new joiners, we surface gaps before they become a claims problem.
Why Kota isn't just another benefits platform
A broker gets you a price, then hands admin back to you. A platform handles admin, but usually can't procure core insurance. Kota is a regulated broker and the platform, in one system.
Traditional broker
Standalone platform
Procures & renews core insurance
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Automates joiner/leaver & payroll admin
One employee app for every benefit
(usually)
Regulated, FCA / CBI-appointed
What switching to Kota actually feels like
Kota has simplified what should be complex - setting up benefits like health insurance and pension. After looking at various options through traditional channels initially, nothing was as straightforward as Kota! Everything was easy, both on the admin side and for end users.
This is for you if:
You’re a UK or Irish employer that already has some form of benefits scheme for employees
You're the person who decides on, or is closely involved in, employee benefits
You're renewing, budgeting, or planning changes to your benefits in the next year
Looking for your own personal health or pension cover, or a platform demo? Book a demo here instead.
Common questions
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Yes. No fees, no obligation to switch broker, no platform purchase required.
It's never too early to plan ahead of a renewal. Getting the information even 3-6 months ahead of your renewal is optimal. You'll be better placed to evaluate your options effectively, consult internal stakeholders, and move forward confidently with a clear decision and plan.
Although Kota is a regulated broker, this service is free and there is no obligation for you to switch broker if you are happy with your current setup.
To get the most out of this review session, it will be helpful to have the names of your policies and plans, a rough employee headcount, and your insurance renewal dates.
No. This is a consultative session to arm you with the best information possible ahead of your employee benefits insurance renewals. If you would like to proceed with a demo of Kota's platform after the review - that is your choice, but you are not obligated.
Regulated broker. Built-in platform. One free review before you renew.
Benefits you and your employees will love using
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