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Product features.
Our flexible solutions are designed to fit around you
We help over 5,000 employers by issuing the death in service benefit they've provided to their 1.8 million employees.We have a team of consultants on hand that can help you put in place cover for your employees. We’ll also ensure a smooth set up for your policy and then guide you on how to manage it as efficiently as possible.
| Cover for employees | Up to a maximum £10 million individual benefit, which can be a multiple of earnings or fixed amount. Cover can be provided up to 75 years of age. |
| Switching to us | Switching from another insurer to us is quick and easy. We'll normally provide cover on the same basis for existing members, which means we can match the previous insurer's benefit level and terms. The cost may not necessarily be the same and can go up. |
| Event limit | Generous event limit for catastrophe cover |
| Benefit option | Option to convert some or the dependant’s entire pension into tax free lump sum benefit. Cover available for equity partners, spouse/partners or registered civil partners as well as Excepted Group Life Cover. |
| Onederwriting | Our premier medical underwriting service saves your clients time with access to tele interviews and nurse visits. |
| Free limit | With a free limit of up to £1.8 million, there will be fewer requests for medical evidence. |
| Claims process | Fast, efficient payment of benefits, usually within five working days once we’ve accepted a claim. |
| Employee Assistance Programme | We’re the only provider to provide a free Employee Assistance Programme (EAP) as standard for all our Group Life scheme members. This includes bereavement counselling, financial and legal support. Promotional literature is available. |
| Complete solution | Group Life Assurance and Dependants’ Pensions is one of the key group protection products we provide. We can help you develop your employee benefits package to include group critical illness cover and group income protection within budget to suit your needs. Find out more about our flexible options here. |
Once the policy is set up, our handy online Group Life admin guide will help you manage your policy administration.
If you are multinational company, you may also be interested in our multinational pooling arrangements.
You need to know
We’ll continue to provide cover and pay any valid claims as long as premiums are paid and the terms are met. Policy terms will be unique to each business and there are some circumstances where we won’t provide cover. We’ll give you the terms with our quote and you should read this together with our technical guide.
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Guide to Life Assurance
Access our useful online Group Life Assurance guide to help you administer a policy.
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