Employee Benefits (Group Risk) with Unum

Unum is a leading employee benefits provider offering financial protection in the workplace. Our products include:

  •  Income Protection
  • Life insurance
  • Critical Illness Cover
  • Dental Cover
We are committed to workplace wellbeing for both employees and employers, and have a wide range of tools designed to help businesses create or enhance their employee wellbeing strategy.
All employees with a Unum policy can use our Employee Assistance Programme (LifeWorks). And Critical Illness policyholders can access the Unum Cancer Support Service through our partnership with Harley Street Concierge at no additional cost.
As part of Unum’s partnership with Paradigm, advisers are able to take advantage of our Partnership Terms which provide access to:
  • Flexible commission rates (between – 30% of annual premium or a fixed amount if required) paid monthly or annually
  • Increased Free Cover Levels and ‘whitewashing’ up to the limit (£65,000 for Income Protection and £650,000 for Life Insurance)
  • 3-year rate guarantees (for 2 – 100 member schemes)*
  • No minimum premiums
  • Onboarding in the name of the advisor (upon request)
Click on the relevant icons below for more information on our products and the Unum arrangement with Paradigm.

Income Protection

Life Insurance

Critical Illness Cover

Dental Cover

*The policy has a minimum of three employees and a maximum of 100 employees.  However, Unum can agree a minimum of two employees for new to market policies, open to all employees and there is a clear expectation of growth (to be determined solely by Unum).


Further Information

Unum have a team of dedicated Sales Consultants to assist Paradigm advisers with our employee benefits products.
To discuss any of the above or to make contact with your local Unum Sales Consultant, please email paradigm@unum.co.uk  

About Unum

At the end of 2018, Unum protected over 1.4 million people in the UK and paid claims of £314 million – representing in excess of £6 million a week in benefits to our customers – providing security and peace of mind to individuals and their families.

Unum is not authorised to give advice. The material contained in this page applies only to Unum and its products. Whilst we have taken all reasonable steps to ensure that the information within this presentation is accurate and up-to-date, we cannot accept liability for any error or omissions. Terms and conditions apply.
Unum Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.