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.
Secure a quote in minutes
Unit rate costing for all policies on ONIX
3 year unit rate guarantee
Want to find out more about ONIX? Fill out the form below and one of our team will be in touch.
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
- 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.
Quotes
- Wide range of benefit options for available policies
- Registered and Excepted Group Life Policy policies with Mastertrust options
- Quickly and simply produce multiple quotes with a different benefit basis
Renewals
- Complete renewals online in three easy steps
- Instant accounts to share with your clients
- Submit data one month in advance of annual renewal date
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.
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 | Yes |
| Probate helpline |
Yes | Yes |
| Bereavement counselling |
Yes | Yes |
| Bereavement support |
Yes | Yes |
| Employee Assistance Programme |
Yes | Yes |
| Day-to-day wellbeing support | Yes | Yes |
| Adult care and 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.
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 |
| Nurse support services |
Yes | Yes |
| Long term chronic condition support |
Yes | Yes |
| Adult care and 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.
Frequently asked questions
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.
Please contact us to discuss any requirements that ONIX isn’t currently designed for.
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.
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.
Videos and webinars
Find out how to use ONIX and the benefits of doing so using our how to videos and webinars.
Resources
Check out our ONIX user, technical and product guides to help you get the most out of our online self service platform.
Request a call back
If you would like more information or to chat to one of friendly team, fill out our form and we’ll be in touch.
Protecting your data
Learn more about how we collect, store and use your personal data in our Data Privacy Notice. This includes information about the General Data Protection Regulation (GDPR) and what it means for you – Privacy Notice.
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