At Unum, we’re putting the life into Life Insurance. As a Unum Group Life Insurance policyholder, your employees have access to a range of valuable support services to help out right now — not just when the worst happens.
Our Group Life customers automatically have access to the following support services.
We offer Group Life insurance products to suit all types of employers, from SMEs to large corporates and across every sector of the economy.
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 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 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.
Unum is not authorised to give advice. Please seek independent legal or tax advice as appropriate.
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.
New customers can sign up for one of our 30-minute online welcome sessions, known as Wellbeing Ready sessions. These provide onboarding support explaining all the wellbeing and support services you can access with your policy. The sessions include a Q&A and useful downloads to make sure you can register straight away for these services.Register for Wellbeing Ready
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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