Optimal Protection
A strong proposition for your business.
Valuable protection for your people.
Strengthening your employee proposition with benefits your people genuinely value can help you attract and retain talent.
Whether you are introducing protection benefits for the first time or reviewing existing arrangements, Optimal Protection combines flexible cover and competitive terms with meaningful financial support for employees and their families when life takes an unexpected turn.
savings on Life Assurance and Income Protection rates¹
Why businesses choose Optimal Protection
Examples shown below. Available features depend on the provider recommended.
Discounted or matched rates against current terms¹
Includes 5% reduction on Life Assurance and Income Protection, and matched rates on Critical Illness.
Long-term pricing certainty
Three-year rate guarantees with pre-agreed renewal caps² across products after the three-year term.
Higher limits, fewer medical checks
Higher cover limits reduce the need for medical underwriting, helping keep costs more predictable.
Help@Hand – included free for all employees
Unlimited 24/7 GP, mental health support, physio and more for all employees – including uninsured staff and eligible family members.
¹ 5% discount applies to eligible Unum Life Assurance and Income Protection policies. Where another insurer is recommended, different commercial terms will apply. Subject to eligibility criteria, underwriting and policy terms.
² Renewal caps shown reflect current insurer terms and may change over time.
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