Why this exists
Individual life cover is expensive and slow to arrange. Group cover protects every employee's family at a fraction of the cost, and is one of the few benefits staff genuinely value.
What it covers
- A death benefit for each employee, usually a multiple of salary
- Cover regardless of individual medical history, within free cover limits
- Optional extension to accidental death and disability
- Automatic inclusion of new joiners, subject to reporting
What it does not
- Employees not reported to the insurer
- Amounts above the free cover limit without individual underwriting
- Cover after an employee leaves — it ends with employment
Exclusions vary between insurers and wordings. These are the ones we see most often — yours should be read individually.
Who it is usually right for
- Employers of any size, and a statutory requirement for many
- Businesses competing for skilled staff
- Organisations with employees in higher-risk roles
Terms worth knowing
We do not sell this policy to you.
We compare it across insurers, tell you whether you actually need it, and stand with you if you ever have to claim on it. Start with a conversation, not a quote.