CLASS (1)

CLASS

Take control of your portfolio

CLASS allows all advisers to buy and manage their client’s workplace protection schemes online.

It’s designed to cover small employers with between two and 100 employees. Because everything is managed online, we offer enhanced terms such as generous free cover levels and three-year rate guarantees.

Group Life Insurance

Our life cover makes a tax-free payment to an employee’s family if they die during their working life.  It’s a simple and affordable workplace benefit.

Why choose CLASS for Group Life Insurance?   

  • Cover options up to eight times salary, or fixed benefits up to a maximum of £250,000
  • Minimum free cover level of £550,000
  • Six months redundancy cover included with every policy
  • Master Trust available
  • Employer legal support included

Explore Group Life

Feature CLASS Standard
Minimum employees covered Two Five
Maximum employees covered 100 Unlimited
Minimum premium £480 p/a £1,000 p/a
Minimum free cover limit £550,000 £20,000 per life
Maximum free cover limit £1.25m £1.25m
Maximum cease age 70 75
Costing basis Unit rated from 10+ employees Unit rated from 20+ employees
Rate Guarantee Period Three years Two years
Master trust Yes No
Companies house number required Yes No

Support Services

 

BusinessCare Yes No
Probate Helpline Yes Yes
Bereavement Counselling Yes Yes

Group Income Protection

Our income protection cover provides financial and practical support if your employee is unable to work because of a long-term illness or injury. It protects an employee’s income when they’re sick and helps them return to work when they’re better.

Why choose CLASS for income protection?                                             

  • Cover options up to 75% of salary
  • Minimum free cover level of £65,000
  • Includes a wide range of support services

Explore Group Income Protection

Feature CLASS Standard
Minimum employees covered Two Five
Maximum employees covered 100 Unlimited
Minimum premium £480 p/a £1,000 p/a
Minimum free cover level £65,000 £2,800 per employee
Maximum free cover level £150,000 £120,000
Maximum cease age 70 70
Deferral periods 13, 26, 28 or 52 weeks 13, 26, 28, 41 or 52 weeks
Costing basis Unit rated from 10+ employees Unit rated from 20+ employees
Rate Guarantee Period Three Years Two Years
Companies house number required Yes No
Support Services
EmployeeCare Yes Yes
Early Intervention Service  Yes Yes
Second Medical Opinion Yes Yes
BusinessCare Yes Yes

Group Critical Illness

Our critical illness insurance supports employees with a tax-free payment if they suffer from one of the many illnesses we cover. It’s designed to ease the financial pressure that can follow the diagnosis of a serious illness.

Why choose CLASS for critical illness?                                      

  • Cover options up to £500,000
  • Enhanced minimum free cover level of £150,000 for five or more employees
  • Up to 41 conditions covered
  • Children’s cover included on every policy
  • Free employer legal support

Explore Group Critical Illness

Feature CLASS Standard
Minimum employees covered Two Five
Maximum employees covered 100 Unlimited
Minimum premium £480 p/a £1,000 p/a
Minimum free cover level £150,000 (5+ employees) £150,000 (5+ employees)
Maximum free cover level £500,000 £500,000
Maximum cease age 70 70
Core illnesses covered 13 13
Additional illnesses available 28 28
Total permanent disability Not available Available
Costing basis Unit rated from 10+ lives Unit rated from 20+ lives
Rate Guarantee Period Three Years Two Years
Companies house number required Yes No
Support Services
Second Medical Opinion Yes Yes
BusinessCare Yes No
Personal Nurse Service Yes Yes

Additional information

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Log in to CLASS

Register or log in to manage your policies.

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Next steps

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Get in touch

Call the CLASS team

0345 223 7137

or send an email

Monday – Friday 9am to 5pm

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Customer support

Find answers to commonly asked questions, helpful links, tools and contact details.

Customer support
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Get in touch

Call customer services

0345 223 8000

or send an email

Monday – Friday 9am to 5pm

Other contacts