Our Group Life Assurance pays employees’ loved ones a lump sum if they die. But it’s more than just a financial pay out – It also provides wellbeing services to help employees and their families Be Well, Get Better and Be Supported. Minimum standard free cover limit of £600,000** 3-year unit rate guarantee for policies covering up to 500 employees Unit rate costing for all new business Mastertrust available Virtual GP (for policies covering up to 500 employees) and further wellbeing support services (policies of all sizes) at no extra cost ONIX Standard Minimum employees covered 3 10 Maximum employees covered 500* Unlimited Minimum standard free cover limit** £600,000 £550,000 Maximum cease age 75 75 Costing basis Unit rated Unit rated Unit rate guarantee period 3 years 2 years Mastertrust Yes Yes Wellbeing support services Virtual GP Yes No Probate helpline Yes Yes Bereavement counselling Yes Yes Bereavement support Yes Yes Employee Assistance Programme Yes Yes Day-to-day wellbeing support Yes Yes Later life care support Yes Yes *Online quotes for policies to cover over 500 employees will still receive our online discount but will be on our standard terms. **Free cover limit could be less for policies that are not on our standard terms.

Online Insurance Experience (ONIX)

Q: What products are available on ONIX?

We offer Group Life Assurance and Group Income Protection. ONIX can’t be used for Dependants’ Pensions, Critical illness cover, Flexible and Voluntary policies and other requirements which don’t meet the criteria. Explore ONIX product details . Please contact us to discuss any requirements that ONIX isn’t currently designed for.

Q: What’s the difference between our ONIX and standard products?

ONIX provides cover for policies with 3 or more employees – there’s no upper limit. For quotes with 3 to 500 employees certain terms are enhanced and every policy comes with a 3-year unit rate guarantee. For Group Life assurance policies covering 3 to 500 employees, they’ll receive our enhanced terms which includes access to our Virtual GP service. Explore ONIX product details.

Q: Expectation towards online administration

ONIX policies must be set-up and administered online at all available opportunities for the lifetime of the policy. Legal & General will review the enhanced terms, if the available online administration of the policy ceases.

Online Insurance Experience (ONIX) is our intuitive self-service platform that enables you to quote, buy and renew Group Life Assurance and Group Income Protection, all in one convenient place.

ONIX is the quickest and easiest way to provide your clients with Legal & General's best quotes first time. By passing on efficiencies delivered by ONIX, we’re able to provide enhanced terms for eligible online policies.

ONIX offers a three year unit rate guarantee for policies covering from 3-500 employees.

Why choose ONIX

3-year unit rate guarantee for policies covering from 3-500 employees
No maximum on number of employees that can be covered using ONIX – quote to cover any number of employees (minimum of three employees)
Unit rate costing for all new business ONIX quotes
We offer our best rates, first time - ONIX discount applied
Generous standard free cover limits
Virtual GP as standard on Group Life Assurance (policies covering up to 500 employees) and Group Income Protection
Online Mastertrust application for ease of use with Group Life Assurance policies

All policies arranged in ONIX, come with a range of wellbeing support services, all at no extra cost.

Explore ONIX product details for both Group Life Assurance and Group Income Protection.

Product details

All ONIX new business quotes for policies covering up to 500 employees come with a 3-year unit rate guarantee and a number of enhanced terms.

Group Life Assurance

Our Group Life Assurance pays employees’ loved ones a lump sum if they die. But it’s more than just a financial pay out – It also provides wellbeing services to help employees and their families Be Well, Get Better and Be Supported.

Minimum standard free cover limit of £600,000**
3-year unit rate guarantee for policies covering up to 500 employees
Unit rate costing for all new business
Mastertrust available
Virtual GP (for policies covering up to 500 employees) and further wellbeing support services (policies of all sizes) at no extra cost

	ONIX	Standard
Minimum employees covered	3	10
Maximum employees covered	500*	Unlimited
Minimum standard free cover limit**	£600,000	£550,000
Maximum cease age	75	75
Costing basis	Unit rated	Unit rated
Unit rate guarantee period	3 years	2 years
Mastertrust	Yes	Yes

Wellbeing support services
Virtual GP	Yes	No
Probate helpline	Yes	Yes
Bereavement counselling	Yes	Yes
Bereavement support	Yes	Yes
Employee Assistance Programme	Yes	Yes
Day-to-day wellbeing support	Yes	Yes
Later life care support	Yes	Yes

*Online quotes for policies to cover over 500 employees will still receive our online discount but will be on our standard terms.

**Free cover limit could be less for policies that are not on our standard terms.

Group Income Protection

As well as providing a whole host of wellbeing services, our Group Income Protection is designed to pay an income if an employee is ill or injured long-term and can’t work. It helps them Be Well, Get Better and Be Supported.

Minimum standard free cover level of £75,000 yearly benefit**
3-year unit rate guarantee for policies covering up to 500 employees
Unit rated costing for all new business

	ONIX	Standard
Minimum employees covered	3	10
Maximum employees covered	500*	Unlimited
Minimum standard free cover limit**	£75,000	£65,000
Maximum cease age	70	70
Deferred periods	Benefit Payments can begin after 13, 26, 28, 39, 52 or 104 weeks of incapacity	Benefit Payments can begin after 13, 26, 28, 39, 52 or 104 weeks of incapacity
Costing basis	Unit rated	Unit rated
Unit rate guarantee period	3 years	2 years

Wellbeing Support services
Employee Assistance Programme	Yes	Yes
Day-to-day wellbeing services	Yes	Yes
Be Well Helpline	Yes	Yes
Virtual GP	Yes	Yes
Virtual Physiotherapy	Yes	Yes
Second Medical Opinion	Yes	Yes
Medical Concierge	Yes	Yes
Nurse support services	Yes	Yes
Long term chronic condition support	Yes	Yes
Later life care support	Yes	Yes

*Quotes over 500 employees can still be submitted through ONIX and issued as a standard product, with online discounts applied.

**Free cover limit could be less for policies that are not on our standard terms.

Did you know

With our intelligent underwriting ONIX filters your requests, using automation to deliver quotes instantly, and passing your complex requests to our scheme underwriters to fine tune. You can quote in the confidence that ONIX will always look to deal with your request.

Frequently asked questions

What products are available on ONIX?

What’s the difference between our ONIX and standard products?

Expectation towards online administration

For our full list of frequently asked questions, check out our ONIX resources and support page:

Full FAQs

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This website is designed to give professional financial advisers information and tools that they can use to help control and develop their business and should not be relied upon by private investors or any other persons.

ONIX

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Unit rate costing for all policies on ONIX

3 year unit rate guarantee

Group Life Assurance

Group Income Protection

Did you know

What products are available on ONIX?

What’s the difference between our ONIX and standard products?

Expectation towards online administration

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