Employers are failing to make the most of their group risk protection policies, Group Risk Development (GRiD) warns.

The industry body said group risk products - including employer-sponsored life assurance, income protection and critical illness - are potentially some of the most highly-valued and cost-effective benefits employers can offer but says employers can do more to get full benefit from their policies.

And it has highlighted five key warning signals for employers to tell whether or not they could be losing out.

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