Zurich Corporate Risk for Mercer Marsh Benefits Elect
Contents
Latest news from Zurich
Did you know, last quarter (July to September) Zurich issued 100% of Mercer Marsh Benefits Elect quotes within 3 working days; Admin queries were responded to within 48 hours and 80% of Elect inception accounts were with you within 10 working days.
Life is full of setbacks, which can have a negative impact on our ability to work.
Our Group Income Protection cover makes sure your clients can offer essential support to their employees if illness or injury prevents them from working. It gives employees peace of mind and the support they need throughout their recovery and eventual return to work. At Zurich Corporate Risk, we offer more than just financial support.
Did you know our Group Income Protection customers have access to a wide range of additional support services? Whether they need help with managing stress, dealing with illness, or navigating workplace challenges, our services are designed to support your clients and their employees every step of the way.
Our award winning, in-house rehabilitation services provide essential health and wellbeing support from the start. Our team of medically qualified, experienced rehabilitation specialists, includes general nurses, mental health nurses, physiotherapists and cancer support nurses.
Our Precision CancerCare service, provided by Further, offers your clients, and their employees support and access to customised treatment plans, using the latest tumour profiling technology.
By understanding the genetic make-up of the cancer, Further can provide a customised treatment plan specific to the individual’s tumour molecular profile, which can potentially improve outcomes, significantly reduce negative side effects of treatment and help to improve their overall quality of life.
The service also delivers an expert clinical report which provides personalised guidance regarding cancer treatment options.
Contact us
Partnership Account Manager (Mercer Marsh Benefits Elect)
Darren Lee
Policy administration
The team will work closely with you on all your day-to-day policy administration activities including Mercer Marsh Benefits Elect. Working together they will ensure the smooth onboarding of new policies, complete all accounts and maintain policy schedules throughout the life of a policy.
Need to send an email? Please use:
Alternatively, you can call your policy administration team:
Millie Smith
Swancy Monteiro
Medical underwriting
The team complete the assessment of individuals within the scheme that have benefits above the Automatic Acceptance Limit or are a discretionary entrant.
Need to contact us? Please use:
Your dedicated contact is Rebekka Collins.
Agency and commission
If you have a question about your commission, or you have been appointed to an existing policy, contact us on one of the options below.
When calling, please select option 4.
Group Income Protection claims
Please contact the dedicated case manager for the scheme and for general enquiries you can use either of the options below.
When calling, please select option 1.
We may record or monitor calls to improve our service.
What can you expect from Zurich Corporate Risk?
- A sensitive, efficient and no-fuss service
- An insurer that cares about its customers and the planet
- A fast, paperless claims service
- A 48-hour turnaround on all claims activity
- A dedicated claims manager – a single point of contact from submission to resolution for Group Income Protection claims
- Award-winning and valuable rehabilitation services that can help employees get back to work quickly and safely
- Access to third party added value services including Virtual GP service, Employee Assistance Programme, Crisis24 Assistance service and Precision CancerCare
Mercer Marsh Benefits Elect enhanced terms for Group Income Protection
- Scheme tolerance threshold increased to 50% from 25% during the rate guarantee period and 25% from 15% between quotation and on risk data
- Group Income Protection: Automatic Acceptance Limit (AAL) of £150K for 20 to 100 lives and £180k for more than 101 lives. AALs up to £250k available for limited payment terms
- Waiving of non-annual payment frequency loadings
- Medical Underwriting decisions and loadings will be waived up to the quoted AAL with the exception of members who have been declined, postponed and/or excluded
- 3 year rate guarantee, instead of our standard 2
- Up to 12 counselling sessions, per issue, per year, through our EAP, instead of our standard 8
- Our EAP services will be made available for up to 250 uninsured lives
Useful resources
Mercer Marsh Benefits Elect enhanced terms
| Term | Zurich’s standard terms | Special terms for Mercer Marsh Benefits Elect clients |
|---|---|---|
| Payment loadings | Loadings apply for non-annual payment frequency | No loading for non-annual premium payment |
| Rate promise | Standard rates are applied, and terms are not issued on best rate first time unless requested | Best rates first time. Rates reflect a discount to standard terms for similar product features |
| Automatic acceptance limit / free cover levels | If you’re covering:
|
If you’re covering:
Temporary cover up to 120 days for members over the automatic acceptance level who would need to be medically underwritten. No additional premiums charged, and members costed in the headcount at the standard unit rate, up to and including 100% morbidity on Group Income Protection. One-time underwriting (forward underwriting) employees will usually only be underwritten once where schemes cover 16 or more members. |
| Rare guarantee period | 2 years | 3 years |
| Tolerances | 15% and 25% membership tolerance | Increased membership tolerance, allowing 50% variation in number of employees/their total salaries (excluding an acquisition or divestiture) since the beginning of the rate guarantee before the rate is due to be retested. 25% at quotation and on risk stage. An enhanced unlimited membership / benefit variation limit for organic growth and a 50% membership / benefit variation for all other reasons, replacing our standard 25%, during the rate guarantee period. |
| Employee Assistance Programme | Included 8 counselling sessions | Includes 12 counselling session including uninsured populations up to 250 lives |
On risk process - Mercer Marsh Benefits Elect Group Income Protection
All we need to place a Mercer Marsh Benefits Elect GIP scheme on-risk is email instruction from you.
All Mercer Marsh Benefits Elect on-risks must be sent to zcrquotes@uk.zurich.com and copy in Darren Lee (darren.lee3@uk.zurich.com) and Christina Sanders (christina.sanders1@uk.zurich.com). Please ensure we receive the on risk instruction by 4pm the day before the cover start date.
As a minimum, this email needs to confirm the quote reference being accepted, on risk date and answers to any quotation caveats.
As part of a special arrangement for Mercer Marsh Benefits Elect we do not require an on-risk form.
Standard caveats
Mercer Marsh Benefits Elect have a one-time disclosure for standard caveats.
Therefore, if the information relating to the standard caveats is correct within one month of the quote request we wont request this information at on risk as long as the quote is still in the validity period.
Proposal and direct debit forms
We need a completed proposal form and direct debit instruction.
This can follow within 30 days of going on risk.
We can also use DocuSign for ease of signing, simply send the completed form to us, along with the name, job title and email address of the person signing and we’ll do the rest. The signatory must be a Companies House listed official.
Account data
Although not required at on risk stage, we will need to also know whether we should use the quote data for accounts or whether new data will be sent.
Finally, don’t forget to tell us the client contact details so we can send them all the information about our fantastic added value services.
Mercer Marsh Benefits Elect workshops
Your clients have access to a huge variety of support services with our Group Income Protection Plan. To help understand them better, we’re hosting two separate sessions for Mercer Marsh Benefits Elect clients.
In these sessions, we’ll cover the Rehabilitation and Claims process and discover all the Health and Wellbeing support services available to your clients, for example:
- Free online workshops
- Separate Mercer Marsh Benefits Elect session for added value services
- Employee Assistance Programme
We hold these session every month, and we look forward to seeing everyone at the next one!
Please note your clients will need to register for each session individually. Once registered they will receive a calendar invite for each session that confirms their space and provides the link to join on the day.
Ready to plan ahead? Check out our 2026 workshops:
* Please note these services are not provided by Zurich and are non-contractual. We reserve the right to withdraw access to or amend it at any time.
