Quote and Cover

Here's how to get a quote, arrange cover and get in touch with us about all of our Group Income Protection, Life and Critical Illness products - including Flexible Benefits and Voluntary Critical Illness.


To get a quote for any of our products - Group Income Protection, Group Life, Group Critical Illness or Dental cover - simply click the button below, fill out the short form and we'll be in touch with you shortly.

Request a Quote

So we know who you want us to cover under the policy, you must send us an up-to-date membership list.


UnumOnline - online quotes for fewer than 100 people

UnumOnline - our online quotes system - can be used to get a quote for:

  • Group Income Protection
  • Registered and Excepted Group Life
  • Group Critical Illness

You can use UnumOnline to get a quote provided that:

  1. you need a quote for fewer than 100 people, and
  2. your client does NOT already have cover with us

- Click here to find out more about UnumOnline

- Click here to log in to UnumOnline


If your client would like to accept one of our quotes, the steps below show you how to arrange cover.

For full details on arranging cover, read our 'Your guide to putting cover in place' leaflet.

  • Step 1: Fill in a Terms of Business Agreement (TOBA)
  • Step 2: Confirm the quote you are accepting
  • Step 3: Cover will start
  • Step 4: Complete medical underwriting forms, if required

STEP 1 - Fill in a TOBA

We need this completed before we are able to arrange cover. It sets out the terms and conditions on how we accept business from an Adviser.

Depending on where you are based, you will need to fill in one of the following two forms:

Keep a copy for your records and return the completed form by:

  • Email: Agency.desk@unum.co.uk, or
  • Post: Agency Department, Unum Limited, Milton Court, Dorking, Surrey, RH4 3LZ

STEP 2 - Confirm the quote you're accepting

There are a few things that we'll need from you if you'd like to accept your quote:

If you would like to proceed, please:

  • Read through the category benefits and eligibility sections to ensure we have your correct information
  • Check through the terms and complete any outstanding requests or actions
  • Provide the company name, address and registration number, if applicable
  • Email us to confirm you would like us to provide cover, including the quote reference number, the cover option number you've chosen, the date you would like cover to start and the policy anniversary date

Please also send us:

  • Any medical underwriting details switched from the previous insurer
  • Details of any subsidiary companies that are covered
  • Evidence that a customer verification check has been completed (only needed in certain circumstances, e.g. where a company isn’t registered on Companies House database)
  • For Registered Group Life – if you would like to be part of the Unum Master Trust - a completed Notice of Participation for each employer to be covered

Our quote also lists any additional information you may need to send for us to confirm cover.

If you have more up-to-date data than that already provided, please include this in your confirmation.

To pay by Direct Debit, please arrange for the Direct Debit Mandate to be completed and returned with your quote confirmation email.


STEP 3 - Cover will start 

Once we've received the information in Step 2, we'll write to let you know that cover for your client has started and we'll issue an account.

STEP 4 - Medical Underwriting

At the same time as issuing the account, we'll let you know which scheme members, if any, need medical underwriting.

Members who do need underwriting will need to fill in a medical health and lifestyle questionnaire.

The employer should complete the initial scheme details on the form. The member will then need to complete questions about their lifestyle and medical history.

Please send the completed questionnaire by:

  • Email: muw@unum.co.uk
  • Post: Medical Underwriting, Unum, Milton Court, Dorking, Surrey, RH4 3LZ