Our flexible solutions are designed to fit around your needs.
Normally, a minimum of 50 members is needed to first set up the policy.
| Cover for employees | Up to a maximum £10 million individual benefit, which can be a multiple of earnings or fixed amount. Cover can be provided up to 75 years of age. |
| Switching to us | Switching from another insurer to us is quick and easy. We’ll normally provide cover on the same basis for existing members, which means we can match the previous insurer’s benefit level and terms. The cost may not necessarily be the same and can go up. |
| Event limit | Generous event limit for catastrophe cover. |
| Benefit option | Option to convert some or the dependant's entire pension into tax free lump sum benefit. Cover available for equity partners, spouse/partners or registered civil partners as well as Excepted Group Life Cover. |
| Onederwriting | Our premier medical underwriting service saves your clients time with access to tele interviews and nurse visits. |
| Free limit | With a free limit of up to £1.8 million, there will be fewer requests for medical evidence. |
| Claims process | Fast, efficient payment of benefits, usually within five working days once we’ve accepted a claim. |
| Employee Assistance Programme (EAP) | FREE Employee Assistance Programme (EAP), Worklife Solutions immediately offers managers and employees 24 hour support to help them cope with life’s challenges. Free promotional literature is available. |
| Solution zone for advisers | We’ve developed a suite of marketing tools to help you deliver the right protection solution for your client. You can also access and download our useful online Group Life admin guide to help you administer your policy. |
Ensuring that your clients have the right level of cover in place is critical and you can call on our technical expertise to help you every step of the way. For example, you may have clients whose employee's earnings are over the lifetime allowance or equity partners who require additional cover. Contact us and we’ll help you all we can.
Once the policy is set up, our online Guide to managing Group Life policies will provide the majority of information that’s required, whether you are managing the scheme on behalf of your clients or prefer them to deal direct with us.
We’ll continue to provide cover and pay any valid claims as long as premiums are paid and the terms are met. Policy terms will be unique to each business and there are some circumstances where we won’t provide cover. More benefits and exclusions can be found in our technical guide. We’ll give you the terms with our quote and you should read this together with our technical guide.
We may record and monitor calls. Call charges will vary.
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A new generation of pension, with a broad range of investment options.
We’ve developed a suite of marketing tools to help you deliver protection solutions to your clients.
Access our useful online Group Life Assurance guide to help you administer a policy.