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 covers 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 that 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 email@example.com 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 that your employees can really see the value in the benefits you’re offering, it’s important that you inform them about their cover and the additional services they have. This includes Smart Health – a suite of six health and wellbeing tools that 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 many 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 will pay claims when we say we will.
Once we have the information we need, we will assess the claim sensitively and quickly.
For more information, get in touch with our claims team.
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.