This client had many different policies for both Life and Income Protection benefits following various acquisitions, and asked One Pension Consultancy to review these benefits to consolidate into one scheme for both these benefits.  It was inevitable that the overall costs for these benefits would increase as the number of employees to be covered had increased dramatically.  However, with careful negotiation, One Pension Consultancy managed to reduce the initial quotations received from the successful provider Life by over 20% for the Life Assurance and by 30% for the Income Protection.  In monetary terms this equated to a difference of over £150,000 per annum.  The review also addressed several issues relating to Age Discrimination which had not previously been dealt with.