Skip to main content


The purpose of Group Life Cover is to pay out a tax-free lump sum to the family or chosen beneficiary of an employee, in the unfortunate event of their passing during their time with the company. 

It is often based on a multiple of an employee’s salary, typically 2x or 4x, although these multiples can be higher, or a fixed benefit amount can often be negotiated. 

As well as being a tax-deductible business expense, Group Life Cover can be a great cost-effective benefit overall. The application process is usually straightforward, with most cases not requiring any medical underwriting.


Policies within Group Life Cover are normally set up under a discretionary trust, which enables the provider to make a tax-free payment to the family, or chosen beneficiary, of the employee.

Although the scheme’s Trustees will determine who receives the lump sum, an employee can complete our unique online Expression of Wish form, which will record their details and help guide the Trustees to distribute the lump sum in accordance with their wishes.

In addition to the lump sum payment, most Group Life insurers provide additional services to help the employee’s family during what is bound to be a difficult period, including Bereavement Counselling and Legal Support to help with issues around Probate.

How can we help?