Key Features
2-year rate guarantee for 3 to 250 employees
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Quote and renew policies in less than 10 minutes
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Existing offline policies automatically migrate online once registered
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Instantly download scheme histories, policy schedules, commission statements and invoices
Overview
Excluded industries: 
- Air crew
- Air traffic controllers
- Ambulance crew
- Dealing with asbestos, nuclear, explosive materials or firearms
- Entertainers
- Firefighters
- Forestry
- Mining
- Offshore
- Police or armed forces
- Professional sports people
- Ships crew
- Underground or underwater working
Please note, quoting is not currently available in the following cases:
- Employer is not UK registered
- Multiple participating employers
- Employees on zero hours contracts
- Barristers, equity partners, or LLP members
Products
Group Income Protection
- Up to 80% of salary (or 50% for equity partners), with a maximum of £350,000 per employee.
- Non-medical limits up to £180,000
Group Life Cover
- Up to 8x salary or a fixed amount, with a maximum of £3m per employee.
- Non-medical limits up to £2m
Critical Illness Cover
- Up to 5x of salary or a fixed amount for all employees, with a maximum limit of £500,000 per employee.
- Children's benefit is 25% of employee's benefit, up to a maximum of £25,000 per child.
- Non-medical limits up to £500,000
Health and wellbeing services included with Group Protection policies
Help@hand from Unum
Help@hand brings together confidential, expert-led health and wellbeing services for employees and their eligible family members - all connected in one simple, supportive experience.
- Unlimited 24/7 remote GP appointments
- Mental health support
- Medical second opinions2
- Physiotherapy2
- Integrated Employee Assistance Programme (EAP)
Cancer support from Reframe
Provides expert guidance and support for employees and their eligible family members impacted by cancer.3
- Up to 2 years of personalised support (including funded second opinion and pathology review)4
- Practical advice and co-ordination of services
- Guidance on managing work, finances and everyday life during and after treatment
- HR and line manager training and support4
Workplace training and education services
Upskilling HR, people managers and employees in health and wellbeing.
- Access to CPD accredited, on-demand online webinars on topics such as mental health, sickness absence, neurodiversity, cancer and musculoskeletal health concerns.
- Live wellbeing masterclasses and product onboarding webinars.
- Delivered by Unum specialists and experts from their health and wellbeing partners.
About Unum
With the Unum Group tracing its roots back over 175 years, Unum are a trusted name in the industry and have a strong presence in the UK, US and Poland.
At the end of 2024, Unum insured more than 2.7 million lives across all products in the UK and paid claims of £516 million, representing £9.9 million a week in benefits to customers and providing security and peace of mind to individuals and their families.