Unum has launched a group risk scheme which can be funded wholly by employee contributions alone and could increase availability to employers and employees.
Employers in the UK will be able to include any or all of life, critical illness (CI) and income protection (IP) products which can be solely employer funded, fully employee-funded or a happy medium anywhere in between.
Incisive Media, parent company of COVER, is the first company to sign up to the Select package and is aiming to target workplaces as a key new audience for protection . The provider is linking this move with the introduction of a UnumOnline quoting system for brokers to use with small schemes where there are under 100 employees.
Tom Dupuis, head of Unum Select and enrolment, explained it was building on experience from its US parent company. He said: "We've taken an adopt and adapt approach to our US business . We believe with some adaptations we can see the same results here in the UK so that's the model we've taken and applied to this market."




