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Help us get the right details for your quote by filling in the form below.

Help about: Who do you want to cover?

You can cover all your employees or clearly defined groups.

Each can have different / multiple eligibility conditions and specifications such as sums assured e.g. All Directors £1m each, all other employees 4 x basic salary.

Minimum number of lives: 3.

Zero-hours contract workers must be shown in a separate category and only for a fixed lump sum benefit, e.g., £10,000 each.

If you require different eligibility, i.e., more than one category, please add details in the question at the bottom of this page (if you require further variations).

Help about: When do you want cover to cease?

Cover can continue to State Pension Age (SPA), to a maximum of 70. It's important to do your research on what is most appropriate for your company and to be mindful of discrimination laws.

Help about: Benefit amount basis - fixed lump sum or multiple of salary?

A scheme can offer a mixture of lump sum and fixed benefits in different categories. The same benefit must apply to all members within one category. Insurers may apply maximum benefit levels.

Help about: Are all employees on a UK contract?

Cover is only normally granted for employees on a UK contract (does not include secondment). If this is not the case please speak to us further

Help about: Is Total Permanent Disability (TPD) cover required?

GCI only pays claims on diagnosis of the listed conditions in the policy document. 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 considers 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: Are you aware of any material facts that should be declared on your application?

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 speak to us if this may apply.

If you have someone who has been absent from work for over a week, please complete details on the membership data spreadsheet which includes the date they first went off sick, the reason for the absence, and any other pertinent info (such as return to work plans).

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
  • No Equity Partners or non-executives to be covered
  • Annual Premiums 
  • Cover would be provided for new joiners from age 16
  • Cover for new joiners would start immediately (as opposed to after, say, a probation period)
  • The scheme will remain open to all future employees until the insurer is advised to the contrary
  • No hazardous occupations undertaken by employees to be covered
  • No employees on secondment
  • There are no participating employers
  • We assume extended cover is not required

You can view supporting information on these assumptions here

Help about: Are the above assumptions correct?

Please only answer the question or questions related to the above assumptions which are incorrect

Help about: Do you require further variations on the above quote?

Please use this for any additional categories or variations in quotes

e.g. All Directors 4 x salary, all other employees 3 x salary or Please quote for 3 x and 4 x salary