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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 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 require a limited payment term? Please select No, or the required payment length

Cover can be paid for a specified period of time as opposed to a claim being paid to the cease age of the scheme (or to the cease age of the Scheme if sooner). 

Help about: What salary definition is to be used?

This is the salary you wish to be used to calculate the benefits for your employees

Help about: What deferred period is required?

The period of time after which a valid claim would be payable i.e. no payments would be made between the date first absent and the end of the deferred period

Help about: What definition of incapacity do you require?

This is the basis upon which an insurer will assess a claim against the incapacity definition of the policy/category of cover. There are different levels that determine how incapacity affects the type of work undertaken e.g. 'own occupation' means someone would be assessed if they are unable to work due to illness and prevents them doing their own occupation whereas 'any occupation' would mean that the claim would require someone to not be able to perform any job.

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

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
  • There are no Equity Partners to be covered
  • Premiums are to be paid annually
  • Cover for new joiners would start immediately (as opposed to after, say, a probation period
  • 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)
  • Escalation to be included to increase inline with LPI to a maximum of 2.5%
  • We have assumed there are no hazardous occupations undertaken by employees to be covered
  • There are no employees on secondment
  • We have assumed that no additional lump sum is to be included in this scheme