Group protection: how it works
If you have three employees or more, you can provide them with group life, critical illness or income protection.
Our products provide a range of cover options to suit your needs and budget, with added value services included in the products we offer.
We want to make insurance as simple as possible. If you’re setting up group protection for the first time, or if you’re looking to change or extend your group protection cover, our quick guide below details everything you need to know, from set up to claim.
Step one: speak to your financial adviser
You and your financial adviser will work together to identify the benefits you want to provide your employees. Your adviser can then contact us to arrange the insurance.
Don’t worry if you don’t have a financial adviser. Simply head to www.unbiased.co.uk and they can help find an adviser local to you.
All of our documentation is provided electronically as downloadable PDFs. If you’d like us to provide paper copies of any documents, please contact us via groupclientservices@aiglife.co.uk and we’ll arrange this for you.
Step two: policy set-up
Once your adviser has set up your policy, you’ll be asked to register online on our secure website. Here you’ll be able to manage your policy and access your policy documents.
You’ll then need to provide us with your employee membership data (including employee names and national insurance numbers). We use this to ensure your premium is always accurate and up to date. When this has been provided, you’ll get an invoice and premium breakdown.
At the start of the policy you can choose to update data either quarterly or annually. Each time, we’ll recalculate the premium to reflect any leavers, joiners or changes in benefit.
Premiums are normally collected by direct debit, but your adviser will explain the options available to you.
If you have any questions about policy administration, please speak to your adviser in the first instance, or call our team on 0330 303 9972.
Step three: let your employees know about their new benefits
So your employees can really see the value in the benefits you’re offering, it’s important you inform them about their cover and the additional services they have. This includes Smart Health – a suite of health and wellbeing tools all insured employees have access to from day one of the policy, including a 24/7 virtual GP service. Visit our Smart Health hub to find out more.
Speak to your financial adviser about any support or resources you may need.
The claims process
A serious injury, illness or even death may be rare, but our team of experts are here to support you and your employees through the claims process. Being part of the wider AIG business, our financial ratings are amongst the strongest in the group protection market. You and your employees can be confident that we'll pay claims when we say we will.
Once we have the information we need, we'll assess the claim sensitively and quickly.
For more information, get in touch with our claims team.
- Call: 0330 303 9973
- Email: groupclaims@aiglife.co.uk
Smart Health sessions
A series of three webinars to bring you up to speed on the new health, wellbeing and lifestyle support on offer through our Group Income Protection. You'll also learn how to roll Smart Health out to your people. Get watching.
Keeping employees happy and healthy
Join Dr David Griffiths, chief medical officer at Teladoc Health, as he shares what health trends are impacting employees and what we’re likely to see moving into 2024. As well as how Smart Health can make all the difference.
Taking employee mental health to the next level
Join Dave Wheatley, mental health first aider at AIG and Dr Colin Preece, Counselling Clinical Lead at Teladoc Health. Catch Colin’s thoughts on how a stepped care model offers the best care outcomes and Smart Health’s role in supporting wellbeing.
Using your wellbeing offering to your advantage
Hear from Tanya Pickering, Regional Account Manager and Natalie Franklin, Head of Internal Communications, both of AIG to hear how we’ve rolled Smart Health out to our people. They’ll tell you all about how it’s helped keep our employees at their best.
Group income protection pathways
Cancer pathway
Our cancer support services are here to let your employees look to the future with confidence. This document shows the pathways your business and your people can take to access cancer specific healthcare.
Musculoskeletal pathway
This document shows the pathways your employees can take to access MSK specific healthcare, as well as the support available to you as a business. Letting your people be their best.
Mental health pathway
This document shows the pathways your employees can take to access mental healthcare, as well as the support on offer to your business. Keeping your workforce happy and healthy.
Literature and support materials
Group Life Insurance
Our most popular group protection product, it provides financial assistance to your employees’ families in the event of death.
Group Critical Illness
This supports your employees should they suffer from one of our critical illnesses covered.
Group Income Protection
This insurance provides long term financial security should your employees be unable to work due to illness or injury.
Support blogs
Why buy Group Income Protection
We take a look at the benefits employers will see when they invest in group income protection.
Why buy group life insurance
We explain how having a group life insurance plan in place can provide more than just financial support for your employees.
Group life insurance vs. individual
This handy guide will help employees understand the difference between individual and group life insurance.
Smart Health is provided to AIG Life Limited customers by Teladoc Health. We want to let you know that these services are non-contractual, which means they don’t form part of the insurance contract with us. If our partnership with Teladoc Health ends, these services could be changed or withdrawn in the future.