Our preferred group risk provider
Our preferred group risk provider
Why choose Unum?
Unum is a leading employee benefits insurer and we have partnered with them to provide group life assurance, group income protection and group critical illness insurance for our clients.
We have set up this exclusive arrangement specifically for policies with up to 40 members, to allow smaller policies to benefit from excellent terms and conditions not usually available for this size of policy.
What benefits could I receive?
This arrangement allows you to cover your employees for:
Group life assurance (death-in-service)
Life insurance for employees that pays out a tax-free lump sum to their family in the event of their death.
Group income protection insurance
A sick pay insurance policy to support employees during their medium / long-term illness and with a big focus on prevention and rehabilitation.
Group critical illness insurance
A tax free lump sum paid to employees if they are diagnosed with a serious illness such as cancer or a heart attack.
What does Unum offer?
A full suite of wellbeing benefits within each policy via Unum’s Help@Hand app:
This smartphone app is provided to all employees who are covered under the Unum policy and their immediate families. It provides 24/7 access to several health and wellbeing benefits, for example: A virtual GP for online / video consultations; online physiotherapy services; a second medical opinion service for hard to diagnose illnesses; mental health support services. Help@Hand can also be provided to non-insured employees at no extra cost(1).
Health MOT:
Exclusive to Towergate Employee Benefits, this is a simple at-home blood test kit giving employees an overview of their health status using 20 different markers, including liver, kidney and bone health. Results are presented in a comprehensive report with options to discuss contents with a GP as needed.
Policy enhancements:
- Higher non-medical limits which allow for high levels of cover without employees completing medical forms. Waiving certain premium loadings that might already apply with another insurer (within limits)
- Premium rates guaranteed for three years (subject to certain conditions), giving employers greater cost certainty for future premiums
- Free employee assistance programme for all employees, not just those insured(1).
(1) Subject to a maximum company size of 250 employees