Good for people and planet

Imagine offering employee perks like a tree planting scheme, net zero carbon pension fund and on demand counselling, in addition to traditional employee benefits.

Gen Z and Millennials make up 50% of the UK workforce, and they push for employers to represent what they stand for. If employers want to attract and retain top talent, they need to offer an employment package that is relevant to their interests and values.

We’ve created a set of products and innovative employee benefits that echo the environmental, social and ethical values of the modern workforce.

Employees access these via their account on the Lumina® platform, where they can also find their employee benefits platform, HR platform, and much more.

Lumina Flex

Whether it’s Cycle to Work, Healthcare, Pension, Gym Discounts, Travel Insurance, Give As You Earn, Holiday Trading or a host of other benefits, we advise, source and administrate them.

Once the package of benefits is agreed, we’ll host them online, on Lumina Flex.

Employers have access to insights on benefit take up, registration levels and overall engagement.

Employees will receive branded multi-media campaigns, promoting the benefits available and key events throughout the year.

Lumina Wellbeing

Employers know they should be doing ‘something’ about workplace wellbeing. The challenges are, where to start and proving there is a need, to get investment.

Through Lumina Wellbeing, employers can access real-time data that shows the actual employee wellbeing challenges being faced by their business.

After completing employee health checks, we issue a personalised wellbeing score and tailored recommendations, giving HR the business case for implementing the right workplace wellbeing services, at the right time.

Mental, physical and emotional support is rightly in demand more than ever and businesses that want to remain competitive are moving to address this. When employers implement relevant support services, the need for health insurance claims can decrease, lowering risk and ultimately, reducing premiums.

Lumina Health

Traditional corporate healthcare insurance doesn’t always cater for female health conditions and those experienced by people of colour. Healthcare claims drive premiums higher and employers don’t tend to encourage healthier behaviours to limit future claims.

As we own Lumina Health, we can agree who can be a part of it, what it covers and offer competitive premiums. It’s exclusive to us, so when our broking team undertake a market review, we can include Lumina Health as an option, and our competitors can’t.

By introducing the right wellbeing tools at the right time, the employers in the Trust stand to benefit from fewer claims, lowering the overall risk.

We expect that engagement with wellbeing will result in a healthier workforce and greater premium stability. If we work together, we’ll make it happen.

Lumina Money

A pension isn’t always relevant to the young, modern workforce who are starting a family, or buying their first home. Where pensions are relevant, funds may be invested in industries that don’t align with ethical values in other areas of life.

Lumina Money includes a range of finance products, not just pension. Options like Junior ISAs, Lifetime ISAs, Stocks and Shares ISAs will be more appealing to those saving for a home or starting a family than a traditional pension.

Where pension is the right (and legal) thing to offer,  we ensure the pension fund is Net Zero Now – a commitment to reduce the 23 tonnes of CO2 produced by each pension pot, each year.

Lumina Planet

Through Lumina Planet, employees can access tree planting, carbon offsetting, electric vehicle hire and discounts on renewable energy tariffs.

Generation Z and millennials are a huge part of the workforce and they’re here to stay. These groups of employees want to make a difference to the planet in more than just their home lives.

They bring the values they have at home to work and expectations on employer provided benefits are changing.

This is the future, are you in?

Hosted on Lumina