Life Insurance

Have a plan in place if a staff member dies

What is Life Insurance?

Life Insurance pays your employee's loved ones a tax-free lump sum if the employee dies. It can’t compensate for their loss, but will show you care for your team and their family.

Start protecting your business today

Take care of your people and protect your business with a choice of options from one of the country’s largest, most respected insurers.

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How can Life Insurance help your business?

Master Trust – to help save you time and money

Life insurance policies are written under a Trust, which is usually set up by the employer. But setting up a Trust is expensive, time-consuming and can be complicated, so that’s why Unum offer you access to a Trust at no additional cost - one less thing for you to do.

Unlimited access to Unum's EAP and bereavement services

Because the financial side of things is only one aspect when someone dies, you automatically have access to Unum's bereavement service which offers your employees’ dependants practical and emotional support, including counselling and an information pack to help them though this difficult time. There’s also access to Unum's Employee Assistance Programme (EAP) which includes a 24/7 confidential helpline for support on everyday issues such as money, health and wellness.

Award-winning cover from:

Workplace Savings & Benefits Awards 2014

Winner - Group Risk Provider of the Year

Unum is one of the UK’s leading financial protection insurers; they sell Income Protection, Critical Illness cover and Life Insurance. Unum insure 36 of the FTSE 100 and have a financial strength rating of A- (Strong) from Standard and Poor’s. As at July 2015.

 

Significant BenefitsBasicStandardComprehensive
To quote on and buy this product you will need a minimum of 3 employees.
Directors2 x Average annual salary, bonus, commissions, dividends and director loan account payments received from the employer in the previous 3 years3 x Average annual salary, bonus, commissions, dividends and director loan account payments received from the employer in the previous 3 years4 x Average annual salary, bonus, commissions, dividends and director loan account payments received from the employer in the previous 3 years
Equity Partners2 x Average annual net taxable earnings received in the previous 3 years3 x Average annual net taxable earnings received in the previous 3 years4 x Average annual net taxable earnings received in the previous 3 years
Employees2.00 x Salary3.00 x Salary4.00 x Salary
Cover untilAge 70Age 70Age 70
Long term absence coverAge 70Age 70Age 70
Master Trust: Access to a free Trust to save you the time and cost of setting up your owntickticktick
Bereavement Services: Telephone counselling and an information pack for dependantstickticktick
Employee Assistance Programme (EAP): 24/7 confidential helpline providing support on everyday issues covering family, money, health and wellnesstickticktick

For information related to Tax and National insurance please click here

This is a summary of the cover provided by Unum. Please refer to the Unum User Guide for full information

Here's a little more information about the policies we provide:

Start protecting your business today
Take care of your people and protect your business with a choice of options from one of the country’s largest, most respected insurers.

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