Network Partner Profile

• Part of the Unum Group, pioneer of group and individual income protection insurance in the United States, and today the US market leader in these product sectors.
• At the end of 2009, protected almost 1.6 million lives through 15,100 schemes.
• Paid total benefit claims of over GBP 268 million in 2009.
• Leading provider of Group Income Protection insurance in the UK market with a 51% market share and Group Critical Illness with a 30% market share.
• Unum insures more than 6,300 employers covering 680,000 employees for Group Life.
• Rating in 2010: A by Fitch and A.M. Best.
• Specialists in providing tailored insurance solutions for employers and individuals.
• Member of the Swiss Life Network since 2004.

• The most comprehensive range of products and support services in the long-term disability insurance market.
• Success at the 2009 Health Insurance Awards, collecting Best GIP provider for the 13th year running, Best GCI Provider for the 3rd year running as well as Most Innovative New Product for Dual Benefit GIP in 2008.
• Assessment and Guidance Centres that provide a range of expertise and facilities to help people who have become disabled explore realistic employment options.
• A unique dedicated team of Vocational Rehabilitation Consultants who can provide practical support to help people adjust to disability. The team also provides advice for employers on reasonable adjustments that can be made in the workplace to facilitate the return to work of claimants.
• Unum LifeWorks EAP available to all GIP policyholders at no extra cost.
• Unum LifeWorks Bereavement Support Service for all Group Life policyholders.
• Launched Master Trust facility so that employers take out Group Life cover without having to set up their discretionary trust which can be complex to administer.

Types of Benefit - Coverage available and poolable:

• Group Life & Survivors’ Pension
• Disability Pension / Lump Sum (Group Income Protection)
• Critical Illness