Paradigm is always looking for ways to support members in areas where they conduct business or wish to avail themselves of new market opportunities.

Most IFAs will be aware of the Government’s Auto Enrolment Programme and the potential that exists in the Group Protection market as a result.

Paradigm is therefore launching a Group Risk proposition to members of Paradigm Protect.

Over the past few months we have been having discussions with all the major players in the marketplace and they have developed specific and in many cases unique propositions for Paradigm Protect firms.

An outline of some of these are listed below, but for further detail click the Group Risk Provider name on the left hand side of this page.

Why Unum?

  • Unique terms for Paradigm partners
  • Small Schemes Arrangements and enhanced Free Cover Levels
  • Income Protection, Group Life, Critical Illness, Sick Pay Insurance, Dental
  • Employee Assistance Programme (Unum LifeWorks)
  • Dedicated and experienced Group Risk field based Consultants
  • Technical Group Risk email support (
  • Flexible commission levels and 3 year rate guarantees

Example Scenario:

An employee could possibly be declined cover or charged an increased premium on a Relevant Life or Individual Protection scheme due to one or more of the following reasons:

  • Previous medical conditions
  • Medical underwriting
  • Medical loadings

Example solution:

Unum’s partnership with Paradigm means that we can offer Group Life and Group Income Protection on marketing leading terms to compete with the Relevant Life and Individual Protection through

  • Minimum of 2 lives covered
  • Rate guarantees on sales (new to market & switch business)
  • Dividends / bonuses included
  • Increased free cover levels


Find out more


  • Unique terms for Paradigm Firms across all Product areas  
  • Flexible commission levels
  • Access to market leading Class system
  • Dedicated Support for Paradigm Firms
  • An overview of the CL@SS terms available
  • A guide to using CL@SS
  • An overview of the functionality and support available through CL@SS

Find out more


  • Unique Free Cover Limits for Paradigm Firms
  • Flexible commission levels
  • Specific Quotation resource
  • Guaranteed Service Levels
  • Employee Benefit Programme – Lutine Lifestyles
  • Dedicated support line   

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  • Competitive pricing philosophy across all products
  • Dedicated named service contacts (contact sheet provided)
  • Online quotes system offering cheaper premiums/market leading terms (underwritten by Friends Life)
  • Enhanced free cover levels for SME clients with a 3 year rate guarantees as standard on schemes up to 100 lives.
  • All non-provision of medical evidence whitewashed up to our free cover levels
  • Medical loadings up to 200% on GLA and 100% on GIP whitewashed up to fee cover level


Find out more



For details of how to enrol in the benefits please email or call Mike Allison on 07775 690340