Claims: Group Life Insurance

Mum and child by the window

Claims steps
Three steps to make a claim

Step 1

Tell us about a new claim

Step 2

Send us your forms

Step 3

Managing your claim and payment

More information
Information to help


Depending on the definition of insured earnings, we may need to request evidence to confirm the earnings. We will write to you to explain what we need and why. 

Evidence of death

As part of the claims process, we require appropriate evidence of a death. For most claims, we can confirm the death without needing the original death certificate.  

However, we will need to see the original death certificate if: 

  • The member died outside the UK
  • Benefits with Unum are above £750,000.

Contacting us

If you have any queries, you can get in touch by:


Call: 0345 600 6761

Unum Claims Department
Milton Court


If you are not completely happy with your service or a claims decision, please speak to your usual contact who will try and resolve the issue for you immediately.

If they are unable to do so, they will refer your concerns to the Complaints Team. 

For full details of our complaints process, see our complaints page here. You can also view our 'A Guide to Customer Complaints' document.

Support services
Giving 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.


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 Master Trust provides simple and hassle-free solution for employers who want to offer Group Life to their employees without the time and administration associated with managing their own trust.

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.

We're here to help

Have a question or can’t find what you’re looking for? Get in touch with us.

Contact us