Group Life Insurance
At Unum, we’re putting the life into Life Insurance. Unum Group Life Insurance policyholders and their employees have access to a range of valuable support services to help out right now — not just when the worst happens.
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Support servicesGiving complete peace of mind
Our Group Life customers automatically have access to the following support services.
Cancer Assist
Access to in-the-moment, personalised guidance from cancer support experts Reframe, for employers and employees impacted by cancer. No question is too small — Reframe’s Mental Health First Aid-trained client navigators can support at any stage of the cancer journey.Help@hand
Total health and wellbeing support for employees, including remote GPs, mental health support and full integrated Employee Assistance Programme – with a comprehensive employee communications toolkit.Unum Master Trust
Unum's Master Trusts provide a simple and hassle-free solution for employers who want to offer Group Life to their employees.Employee/Employer Assistance Programme (EAP)
EAP services are fully integrated into Help@hand from April 3rd. Find out more about what this means for you and your employees.Personal bereavement counselling
The death of a close relative, whether it’s sudden or after a long illness, is a difficult time both practically and emotionally. To help, employees can access caring, professional and personalised bereavement counselling via Help@hand.Bereavement workshops
We’ve teamed up with St. Catherine’s Hospice to offer an interactive and informative workshop to help line managers support bereaved employees.
OverviewGroup Life Insurance from Unum
A valuable benefit that offers peace of mind and access to everyday, comprehensive support services that can help attract and retain talent.
Benefits can be a multiple of employees' earnings (up to 12 x annual salary) or a set level of cover for all employees.
Group Life policies are usually set up using a discretionary trust:
- We offer two simple and hassle-free Group Life Master Trust arrangements: One for Registered policies and one for Excepted Group Life policies. Each offers independent professional trustee services from PTL Governance Limited (PTL).
- For employers using their own trust we offer a range of guidance and resources to help.
Why choose usOur Group Life products
We offer Group Life insurance products to suit all types of employers, from SMEs to large corporates and across every sector of the economy.
Registered Group Life
Our Registered Group Life product is written under a trust and provides a tax-free lump sum up to the Lifetime Allowance (LTA), within HM Revenue and Customs (HMRC) regulations for a registered occupational pension scheme. People insured under the policy can have different levels of benefit.
Simplicity Life
Simplicity Life is a simple version of our Registered Group Life policy for employers who want to give a more basic level of life cover to their employees for the first time.
The plan is for PAYE employees and written under our Registered Group Life Master Trust.
Excepted Group Life
Excepted Group Life insurance provides tax-free benefits and is sometimes used for high earners. It allows for lump sum benefits to be paid outside of the Lifetime Allowance (LTA). All people insured under the policy must have the same level of benefit.
Spouse and partner cover
Employers can take out the policy to provide a lump sum benefit to an employee if their spouse or partner dies while insured.
A Spouse and partner's policy is typically a voluntary arrangement in association with a Unum Group Life policy for the same employees.
Wellbeing calendarUpcoming events and webinars
Any questions?
View FAQsYes. Advisers/brokers can use UnumOnline, our intuitive, easy-to-use portal, to get quotes for Group Income Protection, Group Life and Group Critical Illness policies covering between 3 and 100 employees.
More about UnumOnlineWe provide onboarding support to your clients via our monthly 30-minute online Wellbeing Ready sessions. Brokers are also welcome to attend. During the session, we’ll explain the benefits of all the support services available to policyholders and their employees. The sessions include a Q&A and useful downloads to ensure your clients can register straight away for these services.
If a member of a scheme requires medical underwriting, they can find all the information on our medical underwriting page.
Yes. Help@hand is available at no cost for employees insured under a Group Income Protection, Group Life or Group Critical Illness policy. Selected Help@hand services are also available to uninsured employees at no additional cost. Employers can extend the full suite of services to employees not covered by the Group Risk policy for a cost of £4.50 per employee per month.
* Help@hand is provided to Unum Group customers by Square Health. It offers access to services designed to manage the health and wellbeing of employees and their families. Help@hand is entirely separate from any Unum insurance policy. Help@hand is not part of the insurance contract, is provided by Unum for no additional cost to its customers, and Unum can withdraw or change the service in the future. Help@hand is available to UK residents only. Unum offers access to the Help@hand services provided by third parties. Square Health Limited, registered in England and Wales Number 07054181. Crown House, William Street, Windsor SL4 1AT.
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