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Help about: Who do you want to cover?

You can choose to cover all your employees or a clearly defined group (with different eligibility conditions for different groups). An example being All Employees in one category and All Directors in another. The minimum number of lives is generally 3. Zero hours contract workers must be in a separate category. It's important that the specification (or eligibility) for every category is very clear and specific so we know exactly who should and should not be provided with cover.

Help about: When do you want cover to cease?

Unless advised otherwise cover will start for an eligible employee from age 16. Cover can continue to State Pension Age (SPA), or to a maximum of 70.

Help about: Do you want to provide a lump sum based on a multiple of salary or a fixed lump sum?

A scheme can cover a mixture of lump sum and fixed benefits in different categories, but the same benefit must apply to all members within one category. There are maximum levels insurers will cover.

Help about: If you require TPD, which level would you like it on?

Generally insurers won't pay a claim for a total permanent disability but this can be covered for an additional premium. Total Permanent Disability (TPD) is that disablement is expected to last throughout the insured person's life and is deemed as irreversible. Depending on the selection, assessment then consider if someone can ever do their own occupation again, a suited occupation ever again or an activities based assessment e.g. unable to perform defined activities without the assistance of another person

Help about: Do any employees travel overseas?

We will require details of employees travel patterns for countries the insurer considers as high risk (generally the countries which the foreign office advise against all travel to, may also include other countries)

Help about: Are any employees not on a UK contract?

Cover may not be able to be provided to employees not on a UK contract

Help about: Is there anything else which could be deemed as material to the policy which you believe we should be made aware of?

You must provide us with complete and accurate information under the Insurance Act 2015 in order to make a fair presentation of the risk. Generally speaking, this means details of any material facts the insurer should be made aware of. A material fact is any information that would affect the insurer's ability to underwrite the risk for the scheme i.e. but not limited to, a member who previously had cancer / is in remission.

Please note that we will assume the following information – if this is not correct or you need to provide us with more information this may impact on the quote we provide

  • Cover is not provided as part of a flex scheme  
  • Cover is not voluntary
  • Premiums are to be paid annually
  • Cover would be provided for new joiners from age 16
  • It is assumed that the scheme will be open to future employees (subject to medical underwriting)
  • We have assumed there are no hazardous occupations undertaken by employees to be covered
  • Redundancy cover is not included
  • There are no employees on secondment
  • We assume there will be no extended cover