Simplicity Life by Unum


Sometimes, thinking about the worst can be for the best.

Life cover provides peace of mind and a tax-free lump sum for an employee’s beneficiaries in the event of an untimely death. It’s also one of the simplest employee benefits a company can offer its staff. If an employee were to die unexpectedly, the life cover you provided would help ensure their family could cope financially – making life a little easier at the hardest time.

And not only is Life insurance quick and easy to put in place, it can help you recruit and retain key talent, while establishing you as a company that cares.

Simplicity Life is a simple version of our Registered Group Life policy. It provides an affordable option for employers who want to offer a basic level of Life cover to their employees for the first time.

  • One flat level of benefit between £10k and £100k per member, regardless of what they earn
  • Guaranteed cover for all employees or all pension members, who haven’t yet reached State Pension Age and who are fit for work on the day membership starts
  • No medical underwriting forms to complete

 You can download a guide to Simplicity Life here

Our Registered Group Life product is written under a trust and provides a tax-free lump sum up to the Lifetime Allowance (LTA), within HM Revenue and Customs (HMRC) regulations for a registered occupational pension scheme.

To make life simpler for you the Unum Master Trust has been set up. All employers taking out a Unum Registered Group Life policy can use it at no additional cost to ensure they get all the tax benefits with none of the associated time-consuming and complex administration. Unum does not give advice. You should consult an Independent Financial Adviser regarding tax advice.

The full terms and conditions can be found in our Life Cover User Guide

The benefits of Simplicity Life

About Unum Limited

At the end of 2015, Unum protected over 1.4 million people in the UK and paid claims of £294 million - representing in excess of £5.5 million a week in benefits to our customers - providing security and peace of mind to individuals and their families.

Unum has a financial strength rating of A- (Strong) from Standard & Poor's with a stable outlook.

Unum Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (listed in the Financial Services Register number 110408). You can confirm this online: or by calling the FCA on 0800 111 6768 (Freephone).

Registered office and mailing address: Milton Court, Dorking, Surrey RH4 3LZ Registered in England 983768.

About Jargonfree Benefits

Jargonfree Benefits LLP is an Introducer Appointed Representative (IAR) regarding introducing clients to Unum for the purposes of viewing and obtaining a quote for Unum’s Simplicity Life cover.

Company number OC354342, registered office address Paradigm Court Brooke Court Lower Meadow Road, Handforth, Wilmslow, Cheshire, SK9 3ND.

If you have a complaint

Please see our complaints page.

Financial Services Compensation Scheme

If we cannot meet our liabilities, you may be entitled to compensation under the Financial Services Compensation Scheme (FSCS)*.

* Please note that the FSCS does not cover firms based in the Channel Islands or the Isle of Man.

Click here to build your Group Life quote

    Distributor   Jargonfree Benefits  
    Scheme name   
    Your email address   
    Eligibility   All employees  
    Expected start date        
    All members will be covered for the same benefit between £10k and £100k    
    Benefit per member        
    Cover is available for employers with 3 or more employees        
    Please enter the numbers of members in each age group        
              Number of employees
            Age  Male Female  
              Total members  
    Monthly premium    
    Cost per year    


Simplicity Group Life is a simple variation of our Registered Group Life policy for employers wishing to provide life cover to their employees for the first time
The plan is for PAYE employees and is written under our master trust
Cover is provided for all employees who are fit to work and not yet reached State Pension Age on the day membership starts
Premiums are paid by the employer.  The minimum annual premium is £360.00