Life by Kidbrooke: The Employee Benefits Platform for a Post-Gratuity World

A Smarter Approach to Group Pensions and Workplace Benefits

Across the UAE and the wider GCC region, the modernisation of End of Service Benefits (EOSB) is prompting a new era of workplace financial wellbeing. As gratuity reforms gain momentum, there’s a growing need for smarter, more dynamic tools to manage group pensions and benefits. Traditional systems, which are often rigid and manual, no longer meet the expectations of today’s employers or the diverse financial needs of employees.

To meet this challenge, Kidbrooke® has developed Life, a purpose-built employee benefits platform designed to support insurers, employers, and employees in navigating the full EOSB journey with confidence, clarity and control.

Rethinking EOSB with a Modern Employee Benefits Platform

Legacy EOSB processes can be slow and disconnected, leaving both employers and employees without the information or tools they need to make informed decisions. Life is built to change that. As a cloud-native, analytics-driven solution underpinned by KidbrookeONE, Life brings together onboarding, contributions, investment options, forecasting and withdrawals, all within one cohesive experience.

Whether you're managing liabilities as an HR professional or planning your financial future as an employee, Life offers a seamless, intuitive journey designed to drive better outcomes for all.

A Multi-Stakeholder Platform with Four Distinct Journeys

What sets Life apart is its ability to serve the unique needs of each stakeholder through specialised digital portals, each designed to streamline key interactions, automate tasks and enhance visibility.

The Sales Portal is tailored for brokers, distributors and insurer sales teams, offering a fully digital interface for onboarding intermediaries, managing compensation structures and illustrating benefits packages for prospective employers. With built-in tools for KYC/KYB checks, CRM functionality and projection modelling, this portal ensures a smooth transition from prospecting to proposal.

The Employer Portal has been designed with HR teams and administrators in mind. It simplifies the onboarding of employers and their staff, offering digital contract generation, data uploads for employee contributions and access to plan performance dashboards. Monthly contributions can be automated and reconciled, while real-time alerts help flag any gaps or upcoming renewals. This portal gives HR full control over EOSB management while maintaining transparency and compliance.

Meanwhile, the Employee Portal delivers a highly personalised experience for individual staff members. Employees can log in to view their current and projected benefit values, track daily investment performance, and explore future outcomes using sophisticated forecasting tools. The platform also allows employees to make voluntary contributions, switch between funds, access important documentation, and manage withdrawals, all in one place. By empowering employees with visibility and control, Life helps improve financial education and long-term engagement.

The fourth component, the Admin Portal, is built for internal operational teams and system super-users within insurance companies or large employers. This backend portal provides comprehensive oversight across all policies and user activity. Administrators can configure business rules, update commission logic, define workflows, and manage compliance across all touchpoints. It enables role-based access controls, task escalations, and automated notifications, making administration both secure and efficient.

Powerful Capabilities Behind the Interface

Beyond its portals, Life offers a deep set of capabilities that support automation, analytics and integration; all of which are essential in today’s fast-moving employee benefits landscape.

The advanced forecasting models of Life uses Monte Carlo simulations to project outcomes under varying assumptions, helping employees visualise their retirement goals and enabling employers to better plan for long-term liabilities.

From an operational perspective, Life includes automated workflows for contributions, payments, and approvals, dramatically reducing administrative burden. The system also supports complex commission structures and integrates with external systems such as fund administrators, payroll providers, finance tools and CRMs, ensuring it fits smoothly into your existing infrastructure.

With multi-language and multi-currency support, Life is also well-suited for multinational environments, providing flexibility for organisations operating across the GCC and beyond.

Case in Point: HAYAH Insurance's Digital Journey

One demonstration of Life’s modular flexibility comes from our work with HAYAH Insurance in the UAE. Kidbrooke supported HAYAH with the development of Smart Saver and Pension Calculator services, which allow individuals to model their retirement preparedness, compare savings paths and adjust their goals in real time, all powered by the same underlying technology, and delivered as tailored modules of the Life platform and embedded within their sales portal.

These tools enable seamless proposal generation for group pension plans, allow for the illustration of future employee savings, and help employers manage their long-term obligations more transparently.

Proven Success in Europe

While Life is built for EOSB transformation, the underlying technology of KidbrookeONE has already proven its value in European markets. In Sweden, Skandia has leveraged Kidbrooke’s analytics engine to enhance its occupational pension offerings, delivering richer digital experiences. By integrating advanced forecasting, tailored risk insights and proactive engagement tools, Skandia empowers customers to make confident long-term financial decisions. This demonstrates the flexibility and scalability of KidbrookeONE, providing the foundation upon which Life is built. What’s more, this level of personalisation and insight is exactly what modern employees today expect from their benefits experience.

Implementation That Works With You

Kidbrooke ensures a smooth implementation of Life through a dedicated team of domain and technology specialists. From detailed planning and workflow design to onboarding and system go-live, we support you every step of the way. Typical rollouts are phased over 6–9 months, with flexibility built in to accommodate custom features and future updates.

Post-launch, our team remains closely involved to optimise adoption, address change requests and deliver continuous improvements, ensuring your platform grows with your business.

The Future of Employee Benefits Starts Here

In today’s regulatory environment, having a flexible, reliable and engaging employee benefits platform isn’t just a competitive advantage, it’s a necessity where expectations are rising and regulations are evolving. Life helps firms stay ahead with:

✅ End-to-end EOSB digitisation

✅ Personalised, engaging journeys for employees

✅ Real-time analytics and automated administration

✅ A secure, scalable cloud platform

✅ Proven impact in both UAE and European markets

Whether you’re responding to gratuity reform or planning a broader transformation of your employee benefits offering, Life by Kidbrooke is your foundation for success

Visit kidbrooke.com to discover how Life can help you deliver smarter, more engaging EOSB experiences across the UAE and beyond.