The Benefits Dream Team: Real Cover + Free Coffee = Staff Who Never Want to Leave Free coffee is great. So are beanbags, birthday doughnuts, and Spotify playlists curated by the office intern. But what if your team could have all that and the kind of real-life support that keeps them going when life gets a little… unpredictable ? Welcome to the world of smart SME benefits. Where oat milk lattes meet income protection , and your people feel cared for on every level.

You wake up. The birds are chirping. Your coffee hits just right. You're walking to work in slow motion, wind in your hair, earbuds in, soundtrack on point. Why? Because you’re the main character obviously. But hold up. Even in your movie-worthy life, plot twists are inevitable. And no one not even the protagonist is safe from drama (looking at you, random injury, surprise illness, or sudden life chaos). So the real question is:

From ancient merchants to celebrity smiles and ghost policies, the world of insurance is anything but boring. And while we’re probably not going to cover your cat’s modeling career, we are here to protect the milestones that matter most—starting a family, buying your first home, growing your business, or simply building a safety net for what comes next.

If you were unable to work due to health reasons, how would you manage financially? This is where income protection insurance comes in, offering peace of mind and stability in difficult times. Let Remulate Protect show you how...

Key person cover (also known as key man insurance) is an essential safety net for businesses, designed to protect them from the financial impact caused by the sudden loss of a key individual in their team. Whether due to death or a serious illness, the absence of a key team member can disrupt operations, strain resources, and even threaten the business's future. When implemented correctly, key person cover can ensure continuity by providing funds to manage recruitment, training, and any revenue gaps caused by the loss. Yet, many businesses make costly errors when setting up these policies, undermining their effectiveness and leaving themselves exposed to risk. To help you avoid these pitfalls, here are five critical mistakes that businesses commonly make - and how to steer clear of them.