Joiners & Leavers


After going 'On Risk', you may have staff who will need to either join or leave the Scheme at various times throughout the year. In this circumstance, we operate a simplified administration process, ensuring that benefits are covered easily and efficiently.


Your 'on risk' email will have confirmed your designated account handler, together with their contact details, so you can get in touch with us easily and quickly if you have any questions or queries.


For those new entrants whose benefit/salary is above the free cover limit or who are joining outside the normal eligibility conditions, we will require the following details:

  • Name;
  • Sex;
  • Date of birth;
  • Scheme salary;
  • Pensionable salary;
  • Level of cover;
  • Scheme benefit category;
  • Date of joining the company; and
  • Date of request for entry into the scheme.


Employees joining at their first opportunity who meet the eligibility conditions and whose total capitalised benefit (in respect of group life schemes and death in service pensions) or total salary (in respect of group income protection schemes), is less than the free cover limit, can join without any premium adjustment being made until next revision date of the policy. We do not need to be notified of these employees until that time.

New entrants who satisfy the eligibility conditions but whose salary/benefit is greater than the free cover limit will need to be medically underwritten. We will need to be advised of these employees immediately in order to commence the medical underwriting process. 
New entrants to the scheme who are either not joining at their first opportunity or who you wish to include in the scheme despite them being outside of the usual eligibility conditions, will need to be medically underwritten for their full benefits and they will not be entitled to the free cover limit until they have been medically underwritten and cover has been accepted by us.

For group life assurance schemes, we are prepared to waive the medical underwriting requirements for employees who join more than 12 months after first becoming eligible provided they satisfactorily complete a late entrant form confirming the member meets the following criteria:

  • The employee fulfils the 'actively at work' condition on the date they join the scheme;
  • The employee's maximum level of total insured cover does not exceed £300,000; and
  • The employee has not been continuously absent due to illness or injury for more than 10 consecutive days in the 12 months prior to joining the scheme (including previous employment, if applicable).

For employees leaving the scheme, we only need to be notified at the next annual revision date, unless they are pending medical underwriting. In this case, we will need to be notified immediately so that any medical reports or examinations can be cancelled.