Protecting people: what we can offer employees
We understand that having employee benefits can help you feel valued, and give you financial peace of mind. That’s why we provide group life, critical illness or income protection insurance for you if your employer buys our products. Your employer will be able to tell you what type of insurance you are entitled to and how much you are covered for.
Group Life Insurance: looking after your family
No one likes to think about the worst happening. However, should you die while employed by your company, our group life insurance provides a lump sum to your family.
Your cover is normally calculated as a multiple of your salary, although some policies provide a pension benefit.
The money is paid to trustees. The trustees have absolute discretion over who the benefit is paid to, but they will usually pay it to the beneficiaries you nominate.
You can nominate who you would like to receive the money by completing our nomination of beneficiary form, also known as an expression of wish form. This is available online for employers with less than 100 employees.
Group Critical Illness Insurance: looking after your wellness
If you are diagnosed with a critical illness, you’ll want to focus on your health rather than worrying about your financial situation.
Our group critical illness insurance provides you with a lump sum should you suffer from any of the critical illnesses covered by the policy, such as cancer, a stroke or a heart attack.
You’re also protected if you undergo one of the serious medical procedures listed in the policy, like a major organ transplant.
You can use the money in any way you choose and the benefit is paid tax-free.
The policy excludes any conditions or related conditions that you have suffered from before the cover starts.
Group Income Protection Insurance: looking after your pay
If you can’t work because you’ve been diagnosed with a serious long term illness or injury, financial assistance can help while you deal with this difficult time.
Our group income protection insurance provides a replacement income to you every month for a defined period as chosen by your employer. This is normally between 50% and 80% of your normal salary. We also offer support to help get you back to work.
The money is normally paid after you have been absent from work for an extended period (usually six months). It’s paid to your employer who deducts tax and National Insurance before paying it to you in the usual way.
Making a claim
You’ll need to contact your employer if you have to claim on your insurance, however, our claims team are happy to answer any questions you may have:
Call: 0330 303 9973
You’ll find more information about the claims process below, but please remember that you must contact your employer in order to submit a claim.
Literature and support
Registered Group Life - Member guide
This document is for employees to understand how Registered Life cover works.
Registered Group Life - Technical guide
An overview of the Registered Group Life policy. Policy aims, how it works, what is covered and premiums charged.
Critical Illness Cover - Member guide
This document is for employees to understand how Critical Illness cover works.
Sick Pay - Technical guide
An overview of the Sick Pay policy. Policy aims, how it works, what is covered and premiums charged.