Group Life Insurance
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.
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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
Providing insured employees with fast, direct access to six high quality health and wellbeing support services through one easy-to-use app - including remote GPs, mental health support, physiotherapy and EAP access.Unum Master Trust
Unum Master Trusts provide 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.Employee/Employer Assistance Programme (EAP)
Our comprehensive EAP, provided by LifeWorks, helps employees work through anything from simple questions to bigger life worries. It offers life, money and wellbeing support, a confidential 24/7 helpline and more. For employers, LifeWorks also offers business support, including legal advice.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 LifeWorks.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 you 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.
Unum is not authorised to give advice. Please seek independent legal or tax advice as appropriate.
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 FAQsWe 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.
Yes. Help@hand is available at no cost for employees insured under a Group Income Protection, Group Life or Group Critical Illness policy. It can be extended to all other employees for an additional cost of £4 per employee per month.
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Have a question or can’t find what you’re looking for? Get in touch with us.
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