Those little things that get in the way …

I read an article yesterday that I thought summed up the need for employers to really think about what they can do to help their employees in times of need.

The article is here.

The use of the phrase “whole life wellbeing” is crucial to understanding what’s going on here; aside from the obvious elements of wellbeing such as health and fitness, more and more employers are turning their attention to things like the financial wellbeing of their staff, recognising that financial worries can be a major contributor to stress, and even family breakdown. And of course, these worries can take many different forms at different life stages.

But it’s possible to go further than just financial support;  giving employees the tools to deal with some of the more minor, but often  regular issues – you know, the day-to-day “niggles” that get in people’s way – can also help them stay healthy, happy, focused and productive.

In the last 6 months or so we at Epoq have been working with employers, benefit platforms and EAP providers to embed some simple but really effective tools into the employee benefit mix. Whether it’s helping employees deal with a nuisance neighbour, challenge an unfair parking ticket, make a consumer complaint or get their estate in order, simply having access to our tools is proving something of a hit all round.

So, have a think about that concept of “whole life wellbeing” and ask yourself if you are doing enough to support your staff for their benefit and, of course, your own.

Andrew Walker is the commercial director at Epoq.

Whitepaper: The FCA’s transparency at renewal rules – a threat or an opportunity?

The Financial Conduct Authority (FCA) is introducing new measures to increase the transparency of information provided by insurers to policyholders when they come to renew their cover. These measures will come into effect on 1st April this year and are part of the regulator’s efforts to improve outcomes for customers.

In our latest whitepaper, we discuss the impact of these new rules and suggest ways in which insurers can respond to them and benefit in the longer term.

Please feel free to download a copy from here.

For more information, call us on 020 8731 2424 or email

Epoq Legal and ZICO Partner to Deliver Technology-Enabled Legal Services to the ASEAN Region

London, 21st February 2017 – Epoq Legal, a leading provider of document automation systems recently announced a partnership with Singapore-headquartered multidisciplinary professional service provider, ZICO Holdings Inc. (ZICO) to develop online legal services in the ASEAN region.

Legal services will be delivered via ZICO’s newly established subsidiary, ShakeUp Online Sdn. Bhd. (ShakeUp), which will provide integrated professional services online under the ShakeUp brand directly and via third party distribution arrangements, as well as by General Counsel.

ShakeUp’s platform will address the needs of small medium enterprises (“SMEs”) in the ASEAN region* for legal documents that are easy to use and affordable through an integrated online platform.

In addition to its direct-to-SME platform, ShakeUp will partner with large companies and institutions in the ASEAN region to provide innovative products and services to their customers. It will also offer Epoq Legal’s technology to help these organisations improve the quality and cost efficiency of their in-house support services.

ShakeUp is collaborating with Epoq Legal by way of a Licence and Support Agreement, which will see ShakeUp’s services powered by Epoq’s pioneering and proven document automation system. Epoq Legal will assist ZICO in the development of a legal services website and provide an application programming interface (API) driven solution to facilitate customer access and online payment. It will also provide ZICO with a back-end document workflow system and reporting tool. Furthermore, ZICO will be engaging Epoq Legal’s consultancy service for help in the creation of legal document precedents.

 Richard Cohen (pictured), Executive Chairman and Head of Partnerships at Epoq Legal, said, “We are delighted to be partnering with ZICO in the development and launch of Shakeup Online. A pioneer of legal document automation, Epoq’s technology is already trusted by many major institutions and law firms, in both the UK and North America to deliver high-quality online legal services to consumers and SMEs, as well as large companies and institutions. Our partnership with ZICO will give SMEs in the ASEAN region easy and affordable access to legal services, as well as broaden the reach of our technology into a new and currently unserved territory.”

 Chew Seng Kok, Managing Director of ZICO, said, “We seek always to add new service offerings, establish new distribution channels for our existing services offerings, and reach out to a wider pool of clients. ShakeUp’s launch is in line with this strategy and is made possible through our partnership with Epoq Legal and the use of its pioneering legal document automation technology.”


 *SMEs account for 88.8% to 99.9% of business establishments in ASEAN member states retrieved from


 ZICO is an integrated provider of multidisciplinary professional services focused on the ASEAN region. It is listed on Catalist Board of the Singapore Exchange Securities Trading Limited since 11 November 2014. ZICO caters for the full spectrum of the business life cycle – from advising on market entry, implementing business strategies, supporting and optimising business operations, to business exit strategies. It currently operates in three key business segments: (i) advisory and transactional services; (ii) management and support services; and (iii) licensing services. Together with the ZICOlaw Network, ZICO has a presence in 9 out of 10 ASEAN countries.

Epoq exhibiting at Employee Benefits Connect

child-drawing-2Visit us on stand C03 where we’ll be showcasing Legal for Life, our new service for the employee benefits market.

Designed to meet the legal needs of a multi-generational workforce, Legal for Life allows employers to extend their range of benefits and provide a genuinely useful service for employees and their families.

Legal for Life includes online jargon-free law guides, customisable legal documents and expert advice covering a range of legal matters including wills, trusts and powers of attorney, as well as more everyday issues such as disputing a parking fine or claiming compensation for a flight delay.

To find out more, visit the Employee Benefits Connect website or call us on 020 8731 2424.

Epoq 2016 News Round-up

Below is a round-up of Epoq’s news updates, articles and whitepapers in 2016. Click on the titles to read more.

woman on ipad


21.07.16 – Sometimes it just makes sense …

03.03.16 – Downloads: Value-add legal services for the banking sector

26.01.16 – Creating customer loyalty in the banking sector: the role of legal services

Employee benefits

18.10.16 – Meeting the benefit needs of a multi-generational workforce

22.09.16 – Epoq to exhibit at Employee Benefits Live 2016

19.09.16  – Helping employees protect what matters most – a new benefit from Epoq

08.06.16 – Employee benefits for the ageing workforce

Epoq North America

18.07.16 – Epoq North America Launches Novel Legal Service Benefit Offering for Brokers


27.07.16 – 10 reasons to provide legal services with an insurance policy

21.06.16 – Epoq launches new added benefit legal service for protection policyholders

28.04.16 – How valuable are added benefits on protection policies?

12.04.16 – Direct Line for Business Choose Epoq Legal

16.03.16 – Whitepaper: Creating value for insurance customers

For more information about our services don’t hesitate to call us on 020 8731 2424 or email

Meeting the benefit needs of a multi-generational workforce

The role of legal services in the provision of more tailored employee benefits programmes

woman-on-laptop-at-homeThe range and type of employee benefits available has grown over the last twenty years and now include much more than just a company pension or car. From health and life insurance, to discounted gym membership and free fruit in the workplace, many employers have introduced an array of benefits to help both attract and retain employees.

And it certainly seems to have had an impact on employee expectations. In a survey conducted by Grass Roots1, 84% of employees said benefits are important in keeping them in their current job and nearly 50% said they were likely to turn down a job because the benefits package wasn’t as good as they wanted.

So clearly, the provision of benefits is playing an important role in keeping employees engaged and loyal. However, the current lack of innovation in the employee benefit sector means that the needs and expectations of diverse and often demanding workforces are not being fully met. Employers need to think more creatively about how to deliver benefits that are more in tune with the daily lives of their employees.

Relevant and responsive benefits

Perhaps the most significant challenge is how to be relevant to a multi-generational workforce, where the age of employees can range from early twenties to mid-sixties and whose benefit needs will vary quite significantly. A childless twenty-something employee, for example, is unlikely to be interested in life insurance, whereas someone with young children will be. Furthermore, an aging population means that many older employees will have elderly parents to look out for and will value benefits that assist them in this area.

Providing products and services that respond to changes in an employee’s life – marriage, children, buying a house, divorce, the death of a parent – enable employers to tailor benefits to make them more relevant and timely for the individual employee. This approach will demonstrate a concern for the welfare of both the individual and their family and will help to increase employee engagement and loyalty.

Alignment of financial and legal needs

In terms of the kinds of benefits that can be included in a tailored, multi-generational programme, life and protection insurance and flexible working are obvious options, but so too are financial and legal advice and services. In fact, a recent study by Capita2, indicated that 60% of employees felt their employer should provide them with access to financial education to help with retirement planning. At the same time, a report by the Legal Services Board3 showed that 22m people in the UK have experienced a legal need in the last 3 years.

Epoq to exhibit at Employee Benefits Live 2016

ebl16-bannerVisit us on stand 234 where we’ll be showcasing Legal for Life, our new service for the employee benefits market.

Designed to meet the legal needs of a multi-generational workforce, Legal for Life allows employers to extend their range of benefits and provide a genuinely useful service for employees and their families.

Legal for Life includes online jargon-free law guides, customisable legal documents and expert advice covering a range of legal matters including wills, trusts and powers of attorney, as well as more everyday issues such as disputing a parking fine or claiming compensation for a flight delay.

To find out more, visit the Employee Benefits Live 16 website or call us on 020 8731 2424.

Helping employees protect what matters most – a new benefit from Epoq

child-drawing-2Epoq has announced the launch of its newly developed online legal service, Legal for Life, as a high-value and flexible employee benefit.

Designed to serve a multi-generational workforce, Legal for Life empowers employees with the knowledge and tools they need to deal easily with many of the legal issues they will face during their lives, from making a will or power of attorney, to disputing a parking fine or claiming compensation for a flight delay.

Legal for Life offers flexible service levels and commercial models, so it can be tailored to suit the requirements of both employers and their employees. It is also much more comprehensive than traditional legal benefits, such as advice lines that are currently available through employee benefit schemes. The service includes online access to hundreds of professionally-drafted customisable legal documents, jargon-free guides to consumer laws and regulations and a team of qualified in-house lawyers for expert legal advice over the phone 24 hours a day.

For employers, Legal for Life will complement and enhance existing benefits, such as life and health insurance, and aid stronger employee engagement by helping employees protect their interests and those of their family at key points in their lives.

And, as Legal for Life is delivered online and over the phone, employees can deal with their legal matters without the inconvenience of having to visit a law firm. It can also save them hundreds of pounds in legal fees compared to dealing with a solicitor.

Andrew Walker, Commercial Director at Epoq, said: “Most people will have a number of legal needs throughout their life; but many shy away from using traditional legal service providers for fear of the cost and complexity of doing so. At the same time, employers are looking for more relevant and effective ways to engage with a multi-generational workforce in order to recruit, retain and motivate high-performing employees.

“Legal for Life addresses these needs by giving employees easy access to an expert legal service, while enabling employers to create more tailored, engaging and cost-effective benefits for their workforce.”

Epoq will be showcasing Legal for Life on Stand 234 at Employee Benefits Live 16, Olympia on October 11 – 12, 2016.

For more information, call us on 020 8731 2424 or email

10 reasons to provide legal services with an insurance policy

Businessman using smart phoneAt Epoq, we regularly carry-out surveys to get feedback from users of our service to make sure we’re providing the best possible service for our clients and their customers.

Below are some comments from our last survey which highlight the value policyholders derive from our online legal services when attached to an insurance policy.

  1. “An excellent addition to the insurance [insurer] provide.”
  1. “The fact this is available to me will definitely be a big factor for me when it’s time to renew next year; a really good service to provide.”
  1. “Excellent service, particularly as included in the price of the insurance.”
  1. “Fantastic that I could get an up to date tenancy agreement included in my cover, I’m delighted, well done.”
  1. “Excellent idea, making [insurer] stand out in the insurance industry.”
  1. “This service is remarkable, and I think that you would attract more customers if it were advertised more prominently.”
  1. “Great idea, certainly an added bonus to my policy that will make me think twice before going with another insurer.”
  1. “It’s a valuable service and would certainly place [insurer] at the top of my list of future home insurers. Thank you!”
  1. “Excellent add-on service, thanks!”
  1. “Fantastic service & I wasn’t expecting it, an added bonus for switching to [insurer]!”

To find out more about our added-benefit legal services, call 020 8731 2424 or complete our online enquiry form.

Sometimes it just makes sense…

APW 51“The global banking industry faces new challenges from disruptive bank alternatives, creating a pivotal opportunity to regain relevance with customers. With the emergence of new competitors offering easy, personalized, trusted products, traditional banks’ connection with their customers is fragile. Banks must strengthen their relevance with the disruptive and convenient products customers want, while striving to rebuild the trust that was once an intrinsic component of the relationship.” *

I have a confession. In my role I have to read an awful lot of research reports, white papers and a wide range of other published material about the industries my business works in and around.

Sometimes (ok maybe often) when I am faced with a report on something like “the latest trends in insurance” or “what’s really new in the legal profession?” I get a horrible sinking feeling; not because the topic is not of interest – it always is. And not because I fear that I will somehow be out of my technical depth – sometimes I am but most good research these days is much more accessible than it used to be.

No, it’s more that I frequently find myself either thinking “there’s nothing new here” or maybe “I think I kind of knew this already” or on very rare occasions “I just think this is plain wrong”.

So you can perhaps imagine how I approached the article below entitled “EY Bank Relevance Index” – not only did this have the potential to test the ‘out of my depth’ statement but I also imagined it would probably be a re-hash of lots of other thinking about the banking space. I imagined that it might end with a bland and frankly disappointing set of conclusions.

I was wrong – from start to finish this paper (at least from my point of view) gets right to the point and stays on it. It focuses right in on the need for banks to give a new breed of customer exactly what they want, in the way they want it or face being ousted by the new disruptives.

A slight digression if I may – and a word about disruptives. Over here at Epoq we have been in the business of providing banks, insurers and affinity groups with white labelled legal services for about 16 years. Our unique combination of technology, content and expertise was itself seen as disruptive in the legal market ‘back in the day’. Way back in the late 90s there were practically gangs of lawyers armed with torches and pitchforks claiming that somehow what we were doing was akin to a dark art. As if giving consumers and businesses a better, cheaper and frankly more engaging way of dealing with legal affairs was a bad thing.

Wind forward to today and nobody would really think of what we are doing as disruptive any more; we just simply have a different (and yes I would still say better) method of delivery which appeals to a certain type of end-user and which crucially (and somewhat ironically) gives our partners a way to fight back against the so-called disruptives.

So, if you are involved in the banking sector and you want to know what’s coming and what to do about it, read the article below. I am convinced that it will throw up at least one or two things that you haven’t really considered up to yet. You never know, it might just make you think about talking to someone like Epoq about how to get ahead of the game.

* EY Bank Relevance Index

Andrew Walker, Commercial Director, Epoq