As an employer, if you provide group death or disability benefits for your employees, it is normal to have a Non Medical Limit (NML).

The NML is the amount of cover that the Insurance Company’s policy will automatically provide to all employees who are actively at work without any medical underwriting or questions. This can be very important to avoid lengthy underwriting, particularly for busy senior executives.

As a leading player in the sector, Acumen & Trust can avail of superior NML to the market rates and hence can cover more members with less paperwork. NML are based on the number of members and the following graph outlines the favourable terms from Acumen:

If you would like more information or a quotation for your staff, please contact our employee benefits team.