Financial, emotional and practical support for an employee’s loved ones
Group Life Insurance
Pays a lump sum, or a dependants’ pension to the family of an employee who dies whilst covered by the policy.
Key documents
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 10 employees upwards.
Product details
| Minimum policy size | From 10 employees. |
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| Maximum policy size | No maximum. |
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| Scheme options | Legal & General Registered Group Life Mastertrust. Legal & General Relevant Life Mastertrust. Employer’s registered scheme. Employer’s excepted group life scheme. |
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| 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. |
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| 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. |
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| Employee eligibility | All employees, or those that fit predefined eligibility definitions. Cover for equity partners and LLP members that fit predefined eligibility definitions. |
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| Age range | Between 16 and 75. |
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| Joining dates | As soon as the employee becomes eligible, or monthly or annually. |
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| Premium payments | Can be made monthly or annually. No minimum premium. Unit rates are usually guaranteed for up to two years. |
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| 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 protect cover against inflation and for different durations, plus maintain cover for up to 24 months after redundancy are also available. |
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| 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 from an existing insured scheme to us, we can usually cover the employees their previous insurer had already underwritten. |
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| 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. |
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. |
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| Day-to -day information services | Help with a range of topics, such as finances, career coaching, consumer advice, relationship mediation and much more. |
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| 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. |
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| 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. |
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| Bereavement counselling for dependants | Available to the immediate family of an employee who dies while covered by our Group Life Insurance. Can include:
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| 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. |
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| Support for employers |
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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.
Making a group life claim
01
Notify us about a claim
Claims can be made by completing the relevant claim form:
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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.
03
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
groupprotection.benefitsmanagement@landg.com
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
group.protection@landg.com
0345 026 0094
Lines are open from 9am to 5pm Monday to Friday.
We may record and monitor calls.