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CLASS

Take control of your portfolio

CLASS is our online platform that lets you quote, renew and manage your clients’ policies whenever you need to. You’ll have end-to-end control of Life Insurance, Income Protection and Critical Illness policies, all in one place. For advisers only.

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 £550,000
  • Minimum free cover level of £550,000
  • Six months redundancy cover included with every policy
  • Master Trust available
  • 24/7 digital GP, mental health support and more with WeCare

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 75 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

 

WeCare Yes No

Toothfairy™

Yes

Yes

myStrength

Yes Yes
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 £75,000
  • 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 £75,000 £3,000 per employee
Maximum free cover level £150,000 £150,000
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
WeCare Yes Yes

Toothfairy™

Yes Yes
Early Intervention Service  Yes Yes
myStrength Yes Yes
Second Medical Opinion Yes Yes
Perks 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
  • Up to 41 conditions covered
  • Children’s cover included on every policy
  • 24/7 digital GP, mental health support and more with WeCare

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 2 to 9 employees - £50,000 per employee. 10+ employees - £500,000 2 to 9 employees - £50,000 per employee. 10+ employees - £500,000
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
WeCare Yes No
Toothfairy™ Yes Yes
myStrength Yes Yes
Second Medical Opinion Yes Yes
Personal Nurse Service Yes Yes

Additional information