Group Life Insurance

Group Life insurance provides peace of mind to employees by ensuring their loved ones will be supported by providing a tax-free lump sum in the event of an untimely death.

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OUR Support services

Giving complete peace of mind

Our Group Life customers automatically have access to the following support services at no additional cost.

  • Master_Trust_GL

    Master Trust

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

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    Employee/Employer Assistance Programme

    Our comprehensive EAP is provided by LifeWorks and provides free and confidential access to caring, professional counsellors to support an employee’s family at this difficult time, including telephone counselling, and support with funeral arrangements and probate.

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  • Bereavement_GL

    Bereavement support

    We've teamed up with St. Catherine's Hospice to offer an interactive and informative workshop to help line managers support bereaved employees.

    Learn more

Why choose us

Our Group Life products

We offer Group Life insurance products to suit all types of employer.

  • 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.

  • 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.

    Unum is not authorised to give advice, please seek independent legal or tax advice as appropriate.

  • 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.

  • Spouse and Partner cover

    A policy is taken out by the employer 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.

"I am always confident to recommend Unum. The service and proposition really supports my business - and my clients"
Matthew Egginton
Employee Benefits Consultant

Any questions?

View more FAQs
  • What support can you provide to help me set up my Unum policy?

    We will provide a 30-minute online welcome session where we’ll explain the benefits of all the wellbeing and support services that are included with your policy. The sessions include a Q&A and useful downloads to make sure you can register straight away for these services.

  • Is Help@hand available with this product?

    Help@hand is available at a preferential rate of £4 per employee per month, directly through our third-party provider Square Health. Complete the registration form and provide your contact details to receive a no obligation quote

    Register for Help@hand here