Unum has modified its Group Life product, increasing its Free Cover Limit (FCL) to £1.75 million.
Following the firm's re-launch of Group Life in May of this year, which included the provision of cover to all postcodes in the UK, a range of additional enhancements have been made which Unum says are designed to ensure that it remains one of the strongest products on the market.
The new FCL, which is equal to the Lifetime Allowance set by the Government for pensions savings, will be based on a tiered approach so that the maximum FCL will be available for larger cases.
Unum has also extended its 'Once and Done' medical underwriting approach to Group Life policies above 20 lives, up to a maximum benefit of £5 million per member. In this way, once the risk has been underwritten, the benefit can change in line with salary changes on the same terms without further medical underwriting .




