Group Protection from Unum

Unum is a specialist, market-leading provider of employee benefits, offering financial protection through the workplace including Group Income Protection, Life Insurance, Critical Illness Cover, Dental Cover and a Health Cash Plan.

Get your best price on UnumOnline 

Registered advisers can quote, buy, renew, and manage Group Protection policies in one convenient place - already trusted by over 7,000 advisers¹.

• 2-year rate guarantee for 3 to 250 employees
• Quote and renew policies in less than 10 minutes¹
• Existing offline policies automatically migrate online once registered
• Over 90% of renewals can be initiated online, up to a month in advance¹
• Instantly download scheme histories, policy schedules, commission statements and invoices

Register for UnumOnline or log in here

Please note, quoting is not currently available in the following cases:

• Employer is not UK registered
• Multiple participating employers
• Employees on zero hours contracts
• Barristers, equity partners, or LLP members

Products

• Group Income Protection
  • Up to 80% of salary (or 50% for equity partners), with a maximum of £350,000 per employee.
  • Non-medical limits up to £180,000
• Group Life Cover
  • Up to 8x salary or a fixed amount, with a maximum of £3m per employee.
  • Non-medical limits up to £2m
• Critical Illness Cover
  • Up to 5x of salary or a fixed amount for all employees, with a maximum limit of £500,000 per employee.
  • Children’s benefit is 25% of employee’s benefit, up to a maximum of £25,000 per child.
  • Non-medical limits up to £500,000

Health and wellbeing services included with Group Protection policies

Help@hand from Unum
Help@hand brings together confidential, expert-led health and wellbeing services for employees and their eligible family members - all connected in one simple, supportive experience.

• Unlimited 24/7 remote GP appointments
• Mental health support
• Medical second opinions²
• Physiotherapy²
• Integrated Employee Assistance Programme (EAP)

Cancer support from Reframe
Provides expert guidance and support for employees and their eligible family members impacted by cancer.³

• Up to 2 years of personalised support (including funded second opinion and pathology review)⁴
• Practical advice and co-ordination of services
• Guidance on managing work, finances and everyday life during and after treatment
• HR and line manager training and support⁴

Workplace training and education services
Upskilling HR, people managers and employees in health and wellbeing.

• Access to CPD accredited, on-demand online webinars on topics such as mental health, sickness absence, neurodiversity, cancer and musculoskeletal health concerns. 
• Live wellbeing masterclasses and product onboarding webinars.
• Delivered by Unum specialists and experts from their health and wellbeing partners.

About Unum

With the Unum Group tracing its roots back over 175 years, Unum are a trusted name in the industry and have a strong presence in the UK, US and Poland.

At the end of 2024, Unum insured more than 2.7 million lives across all products in the UK and paid claims of £516 million, representing £9.9 million a week in benefits to customers and providing security and peace of mind to individuals and their families.

Paul Constant, Network Specialist
[email protected]
07771836149

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How to register

If you are setting up agencies for the first time with providers
For new agency requests, please email Unum and CC in [email protected]. Commission documents will be sent to each member to return.
 
If you are an adviser to a firm that already has agencies
Unum can set up individual advisor agencies within an existing company. Please email Unum and CC in [email protected]. Commission documents if they are different from the main agency will be sent to each member to return.
 
If you have applied for an agency and need to be setup on a provider’s online system
Click here to visit their website. Registration with an agency number is required. If a member experiences any registration issues, please contact [email protected].
 

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Unum is not authorised to give advice. The material contained on this page applies only to Unum and its products. Whilst we have taken all reasonable steps to ensure that the information within this page is accurate and up to date, we cannot accept liability for any error or omissions. Terms and conditions apply.

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.

1 | Unum internal data, 2025.
2 | Number of sessions provided can be found on the corresponding product fact sheet. Not suitable for complex, pre-existing or chronic conditions. Alternative guidance may be provided if appropriate.
3 | Available to employee and their partner. Children are eligible up to their 18th birthday via their parent or can access directly after their 18th birthday, up to their 24th birthday if in full-time education.
4 | Included in the Cancer Support Service which is exclusively for Group Critical Illness policyholders and Unum’s Cancer Pathway which is available to Group Income Protection policyholders

[Help@hand from Unum / Cancer Assist / Cancer Support] services (the ‘Services’) are provided to Unum Limited (“Unum”) customers by third-party specialist providers chosen by Unum. Unum is not the provider of the Services. The Services are entirely separate from the insurance policy provided by Unum. Access to the Services is facilitated by Unum at no cost to the Unum customer, and Unum may change or withdraw access to the Services at any time. Use of the Services are subject to the terms and conditions of the relevant third-party specialist providers. Services are available to UK residents only. For further information, please go to unum.co.uk/frequently-asked-questions/services.