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Your family will receive access to bereavement counselling and probate support

productLifeInsurance
iconLifeInsurance

Life Insurance

Provide protection for your loved ones with Life Insurance (sometimes called Death in Service). In the event of your untimely death, they could receive a tax-free cash lump sum to help pay for anything they might need like the mortgage, household bills or funeral expenses.

Peace of mind when it’s needed most

  • Endorsed by your employer
  • Tax-free lump sum paid to your dependants
  • Easy to apply – no medical questions asked*
  • Non-smoker discount
  • Flexibility to update your level of cover to best fit changes in your life

Choose from five levels of cover

  • From £10,000 to £50,000

* Pre-existing conditions exclusions apply.

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Product features

Provider
  • Unum Limited
  • Set up through Unum Limited Master Trust to simplify administration for employers
Benefits
  • Choice of five benefit amounts - £10k, £20k, £30k, £40k, £50k
  • Lump sum benefit upon death of insured person
Additional support
  • Bereavement counselling and probate support
Type of coverage
  • Two year contract with the employer
  • Voluntary cover is funded by the employee
  • Flexible cover is funded by the employer, offered through a ‘flex pot’ or jointly funded by the employer and employee
Who can be covered?
  • The employee, who must be actively at work and between ages 16 and 69 inclusive when selecting cover
  • Cover ceases at the end of the policy year following the employee’s 70th birthday
Cost of cover
  • Monthly premiums (rates available on request)
  • Premiums are based on the employee’s age when selecting cover
  • Premiums may increase as the employee gets older
  • Non-smoker discount
  • Employee premiums are collected by the employer, deducted from the employee’s monthly pay
What is not covered?
  • No benefit or increase in benefit is payable if death is related to a pre-existing condition during the first two years of cover
  • A pre-existing condition, means any medical condition for which the employee has received treatment, care or services (including diagnostic measures), or took prescribed drugs or medicines) during the five years before the start of cover
  • No benefit or increase in benefit is payable if death is as a result of suicide or serious self-harm or injury during first two years of cover
Changing cover
  • Cover level can be either increased or decreased following a specified lifestyle event (e.g. marriage or birth of a child) or during annual enrolment
Rate guarantee
  • Rates are guaranteed for two years
  • Terms can be reviewed and amended if there is a significant change to the employer’s business
  • Unum Limited
  • Set up through Unum Limited Master Trust to simplify administration for employers
  • Choice of five benefit amounts - £10k, £20k, £30k, £40k, £50k
  • Lump sum benefit upon death of insured person
  • Bereavement counselling and probate support
  • Two year contract with the employer
  • Voluntary cover is funded by the employee
  • Flexible cover is funded by the employer, offered through a ‘flex pot’ or jointly funded by the employer and employee
  • The employee, who must be actively at work and between ages 16 and 69 inclusive when selecting cover
  • Cover ceases at the end of the policy year following the employee’s 70th birthday
  • Monthly premiums (rates available on request)
  • Premiums are based on the employee’s age when selecting cover
  • Premiums may increase as the employee gets older
  • Non-smoker discount
  • Employee premiums are collected by the employer, deducted from the employee’s monthly pay
  • No benefit or increase in benefit is payable if death is related to a pre-existing condition during the first two years of cover
  • A pre-existing condition, means any medical condition for which the employee has received treatment, care or services (including diagnostic measures), or took prescribed drugs or medicines) during the five years before the start of cover
  • No benefit or increase in benefit is payable if death is as a result of suicide or serious self-harm or injury during first two years of cover
  • Cover level can be either increased or decreased following a specified lifestyle event (e.g. marriage or birth of a child) or during annual enrolment
  • Rates are guaranteed for two years
  • Terms can be reviewed and amended if there is a significant change to the employer’s business

Unum Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered and Head Office: Milton Court, Dorking, Surrey, RH4 3LZ. Registered in England company number 983768.