Group Life Insurance

Pays a lump sum, or a dependants’ pension to the family of an employee who dies whilst covered by the policy.

Product details

Refer to our ONIX support page for the limits when applying online.

Minimum policy size

From 3 employees for lump sum Group life assurance policies using ONIX.

Maximum policy size

No maximum.

Scheme options

Legal & General Registered Group Life Mastertrust.

Legal & General Relevant Life Mastertrust.

Employer’s registered scheme.

Employer’s excepted group life scheme.

Amount of benefit

Multiple of earnings or a fixed lump sum of up to £10m.

Employers can choose to insure all or part of the benefit payable to employees.

Different levels of benefits can be chosen for defined groups of employees.

Free limit

This is the maximum amount of cover we can provide before we ask for medical underwriting.

Up to £1.8m depending on policy size and benefit choices.

Employee eligibility

All employees, or those that fit predefined eligibility definitions.

Cover for equity partners and LLP members that fit predefined eligibility definitions.

Age range

Between 16 and 75.

Joining dates

As soon as the employee becomes eligible, or monthly or annually.

Premium payments

Can be made monthly or annually.

No minimum premium. ONIX policies covering up to 500 employees can be offered a 3-year unit rate guarantee.

Cover during temporary absence

If employee is absent due to illness or injury, we’ll continue cover up to the maximum age as long as they remain eligible for cover.

If employee is absent for another reason, such as sabbatical, we’ll continue cover for three years.

If earnings reduce during absence, an employee’s cover will remain at the level they had before their absence.

Options to help protect towards the impact of inflation and for different durations, plus maintain cover for up to 24 months after redundancy are also available.

Medical underwriting

We can usually cover most employees without needing personal health details. However, there will be times when we need to ask employees about their health and hobbies to help us decide if we can cover them.

If your client is switching their existing insured scheme to us, we can usually cover the employees their previous insurer had already underwritten.

Claims history discount

We consider past claims history when working out the unit rate. A good claims history usually means the premiums will be lower than for a bad claims history.

Lifetime Allowance Changes from 6 April 2024

Our latest FAQs on the recent changes made to the Lifetime Allowance

Specimen documents for your client’s group life assurance scheme



Get a quote

Suitable for Group Life Assurance and Group Income Protection schemes insuring from 3 employees upwards.

Wellbeing support

Included in the cost of Group Life Insurance is access to our comprehensive Employee Assistance Programme and Care Concierge.

Designed to keep employees healthy and happy at work, matters. Our Employee Assistance Programme is a free, day-to-day wellbeing and counselling service. It provides in the moment support to employees of our Group Protection policyholders and their immediate family, 24/7 and 365 days a year.

Employee Assistance Programme brochure (2.3mb pdf)


Employee Assistance Programme

Benefits available

Confidential helpline

Employees can speak in confidence to experienced counsellors and advisers for friendly, non-judgemental support and information, 24 hours a day, 365 days a year. It’s accessible worldwide by phone, WhatsApp and SMS.

Day-to -day information services

Help with a range of topics, such as finances, career coaching, consumer advice,  relationship mediation and much more.

Legal information service

Legal issues can be worrying, so it makes sense to get free initial information from a trained legal professional. The EAP can put employees in touch with solicitors who can help with a wide range of issues.

Medical helpline

Whether employees are looking for a sympathetic ear or practical guidance, they can speak to a qualified nurse about a range of medical or health-related issues.

Bereavement counselling for dependants

Available to the immediate family of an employee who dies while covered by our Group Life Insurance.

Can include:

  • Face to face counselling
  • Practical help with the will or dependant care for example
Employee app and platform

Employees get much more than just an ordinary EAP. Our platform and app provides total wellbeing support through a whole host of health and wellbeing tools and resources to help employees be well, stay fit, remain healthy and in work.

Employees have access to a digital gym, fitness and nutrition plans with hundreds of recipes, weekly podcasts, our monthly wellbeing webinar series, mental health e-learning, high street shopping discounts and much more.

Support for employers
  • Management information about the EAP service.
  • Account management support for schemes with more than 1,000 employees to help promote the EAP.

Care Concierge

Provided by Legal & General Health and Care

Only when elder care for a loved one needs to be considered does the realisation set in that the long-term care system is confusing and very complex. To support employees during this often emotionally charged and stressful period, we’ve introduced Care concierge. This telephone service and the online care service platform, provides employees with access to a care expert for guidance about a loved one’s later life care needs.

More about Care Concierge


Making a group life claim


Online death registry

Wherever possible we’ll use the Government Death Register online service to support the claim, so we may not need the original death certificate.

However, the online service is limited, and we will need an original certificate confirming death in any of the following circumstances:

  • the employee died outside the UK
  • the claim form is sent within 10 working days of the death being registered
  • only a coroner’s interim certificate has been issued
  • the policy is set up to pay through our Mastertrust or
  • the total benefit claimed in respect of the employee is £1.25m or higher.

The claim form will confirm if we need an original death certificate. If it is needed, we require the original as it’s not possible to use a copy as evidence of death.


Claim payments

Once we’ve received all the relevant information and the claim is accepted, our experienced claims team aim to pay lump sum life assurance to the scheme trustees or begin Dependants’ Pension payments within 5 working days.


Claims queries
0345 026 0094
Lines are open from 9am to 5pm Monday to Friday

We may record and monitor calls.

Need help?

Adviser Toolkit

Access to webinars and videos, information about claims and renewals and useful market insights.

Document library

Literature and forms for our group protection products in one place.

Our products

Group Life, Group Critical Illness and Group Income Protection for businesses large and small.

Contact us

General queries 
0345 026 0094

Lines are open from 9am to 5pm Monday to Friday.

We may record and monitor calls.