Working with us

Group insurance products help employers offer financial protection to employees (and their families) if they become too unwell to work, or in the event of their death.

Putting group protection in place can help your clients protect their businesses. We understand how vital this is and how important it is for you to recommend the most appropriate products. That’s why we have simple online services, competitive pricing and great customer service. We want to help you spend less time on the administration side of things and more time doing what you’re best at, giving advice.

Whether your client has a small start-up company or owns multinational brands, our group protection products are there to protect both them and their employees. We offer group life, group income protection and group critical illness.

We match the right service to the right client, so the process involved depends on the size of the company you want to cover.

Our processes

  Up to 199 employees 200+ employees

Quotes available

Quotes to be completed online Online and offline quotes available
Data required Annually or quarterly (up to 100 lives) Annually
Administered online Yes No - however, documents can be accessed online
Premium payments Monthly, quarterly or annually Monthly, quarterly or annually
Payment methods Direct Debit only Direct Debit for monthly or quarterly payments, BACS for annual payments


How to apply

Step one: Getting a quote

You can get quotes for all of our products (group life, group critical illness and group income protection) directly from our website.

You’ll be asked for information about your client’s policy and their membership data. It takes 10-15 minutes to get a binding quote.

Get a quote

If you are unsure which industry/activity classification to use for your client, these descriptions may help. If you need help with anything else, please contact our sales support team on:

Please send us your quote request and membership data by email to and our team will prepare a quote for you.

Alternatively, you can speak to someone on 0330 303 9978.

Quotes typically take a maximum of ten working days.

Download our Employee Data Template


Step two: Starting the policy

You can accept the quote online.

You and your client will be sent a pre-populated application form, specific to that scheme. Your client must sign, scan and email the form back to us at There’s also a Docusign option if that’s easier for you. We cannot start the scheme until we have received the completed application form in full.

Once the policy has started, we’ll send you the policy schedule and ask for you to provide the first set of inception data. This should be uploaded by you online. You and your client will then be sent an invoice and premium breakdown.

If you are happy with the quote, give us a call on 0330 303 9978 with the client’s Companies House number.

We will then send out a pre-populated application form to you and your client, specific to that scheme.

Once your client has signed and returned this and we have agreed to go on risk, the policy can start. The quickest way to get this processed is to scan and email the signed form back to us at

Once the policy has started, we’ll send you the policy schedule and ask for you to provide the first set of inception data. This should then be emailed to our client service team at We’ll check the data once it’s been received and will produce an invoice and breakdown of cost within 20 working days.

View Quote & On Risk guide

Step three: Administering the policy

We ask for updated membership data quarterly or annually.

We’ll ask you to nominate a contact person to supply the data. This can be the client if they would prefer to administer their own policy online.

We’ll email this contact when the data refresh is due and copy you in if you are not the data contact. Updating is an online process that only takes a few minutes.

Either the existing data we hold can be downloaded from the system, changes made and re-uploaded, or you can provide new data. An invoice and premium breakdown will be uploaded to our secure site so you and your client can gain immediate access.

If the data is updated annually, premiums can be paid monthly, quarterly or annually, but we can only accept Direct Debit payments.

We’ll email you and manage the policy for you.  These policies are not administered online, but documents can be accessed online.

We’ll ask for data annually and will email you 30 days before the refresh is due. You’ll be asked for data that’s correct as of the refresh date.

Once you’ve sent us the updated data, our team will process it and provide an invoice and breakdown of cost. This process normally takes 20 working days.

Premiums can be paid monthly, quarterly or annually by Direct Debit, or annually by bank transfer.

Step four: Rate reviews

No matter the size of the company, our rates are typically guaranteed for two years.

We’ll email you 12 weeks before the rate review date. You’ll then have six weeks to obtain a new rate review quote online, which only takes a few minutes.

This can be done quickly, as we already have the scheme information. All you need to do is inform us of updated travel and absentee information.

Once the quote has been done, it will automatically take effect from the rate review date. We’ll send you the new policy schedule immediately.

No matter the size of the company, our rates are typically guaranteed for two years.

We’ll email you 12 weeks before the rate review date (or 16 weeks if it’s a flex scheme) and ask you to send us updated membership data, travel and absentee information. This can be sent to Rate reviews cannot be completed online, so we’ll need ten working days to produce the quote. This will then take effect from the rate review date.

If you have any questions about the rate review process, please contact our rate review team:

Rate review - Information and process

This document will help you understand the process of completing a rate review as well as the information you'll need to have to hand to get started.

Step five: Policy changes

No matter how many employees a company has, you can request us to make a change to an existing policy at any time. We’ll review the change request and may accept it. However, we recommend that you let us know in good time before you want the change to take effect, as we need ten working days to deal with your request.

The information we need will depend on the type of change you want to make. In some cases (if the changes are significant), your client will need to complete a new (pre-populated) application form to confirm that the change requested and information provided is correct. Once we receive the completed form, we should be able to confirm the change has been made.

Some changes will need a new quote − if we can’t agree to hold the current rates.

In all circumstances, please download and complete a policy change request form and email it to our team at .

If you have any questions, give us a call on 0330 303 9972.


Policy change request

A form to change the details that you currently have in your policy.

Download Updated 31 Mar 19


Step six: Individual assessment

While most employees will have cover confirmed immediately without completing any medical underwriting, sometimes it is required.

These employees will be sent an email with a link to complete an online health and lifestyle questionnaire that takes about 20 minutes.

If you have any questions about individual assessments, please call us on 0330 303 9976 or email


As our individual assessment process is completed online, we can use it to assess members before a scheme is placed with us.

This might be useful if an insured employee has had benefits declined or postponed by a previous insurer, as in many cases we can offer more favourable terms.

By completing the assessment prior to transferring the scheme, you can be sure that the existing cover is not lost and an informed decision can be made.