Author: Charlie Cousins

Author

Reviewer: Charlie Cousins
Founder and Director of Hooray Health & Protection, Charlie Cousins Cert CII, has enjoyed a career in the insurance and financial services industry spanning more than ten years.He began his career in the health and protection industry with Metlife, where he saw first-hand how both insurers and brokers provided little support for small businesses.In 2016, Charlie launched Hooray Health & Protection to provide a bespoke broking service to the small business and start-up community.

AXA Health vs Bupa vs Vitality: man in shirt and tie weighing up options

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Bupa vs AXA Health vs Vitality: Which Business Health Insurance provider is right for you?

by Mel Dixon, Charlie Cousins 29 July 2026 0

When businesses start looking at Group Health Insurance three names pop up more than any other: Bupa, AXA Health and Vitality. Without doubt these are the best-known... Read more.

Image of happy employees with the caption: Group Life Insurance: how much does it cost per employee in the UK?

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Group Life Insurance: How much does it cost per employee in the UK? [2026]

by Mel Dixon, Charlie Cousins 27 July 2026 0

Group Life Insurance, also known as Death In Service Insurance, is one of the most cost-effective employee benefits a UK business can offer. Pricing life insurance... Read more.

How much does business health insurance cost in the UK? Confused person. We hope that's not you!

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How much does Business Health Insurance cost in the UK? [2026 Guide]

by Mel Dixon, Charlie Cousins 14 July 2026 0

If you’ve started looking into Business Health Insurance for your team, you’ve probably struggled to find a ballpark figure. Nobody will give you even... Read more.

depiction of male professional communicating employee benefits to employees remotely

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How to communicate employee benefits to your team (and why most businesses get it wrong)

by Mel Dixon, Charlie Cousins 8 July 2026 0

Your business spends real money on employee benefits. Health insurance, life cover, income protection, an EAP. These are valuable things that can make a genuine... Read more.

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What happens when an employee makes a Group Income Protection claim?

by Hooray Health and Protection, Charlie Cousins, Mel Dixon 12 June 2026 0

So, you’ve finally arranged Group Income Protection insurance. But do you know what happens when a claim needs to be made? For most employers, the claims process... Read more.

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How is a Group Life Insurance trust structured and why does it matter?

by Hooray Health and Protection, Charlie Cousins, Mel Dixon 10 June 2026 0

If you’ve arranged Group Life Insurance for your employees, or are thinking of offering it, there’s a very good chance you’ve come across the term “discretionary... Read more.

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What happens when you claim on Business Health Insurance?

by Hooray Health and Protection, Charlie Cousins 2 June 2026 0

If your business already has a health insurance policy in place, what happens when an employee needs to make a claim? Maybe your employee has received a referral... Read more.

employee benefits stats: trends, costs and opporunities

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Employee benefits stats: trends, costs, and opportunities 2026

by Mel Dixon, Charlie Cousins 13 May 2026 1

The world of employee benefits seems to be in a constant state of flux. New technologies, changing demand, increasing expectations… In this resource, we’ve... Read more.

best life insurance broker for small businesses

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Who is the best life insurance broker for UK businesses?

by Mel Dixon, Charlie Cousins 30 April 2026 0

On the face of it, Company Life Insurance is one of the simpler protection policies you can buy. Yet there are hidden complexities which can cause problems further... Read more.

are you ready for monthly employee benefits in kind?

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Are you ready for monthly Benefits in Kind reporting?

by Mel Dixon, Charlie Cousins 13 April 2026 0

Major changes in the world of employee benefits admin! We’ve known for a while now that the way Benefits in Kind (BIK) are reported through payroll is set to change.... Read more.