Group Life Insurance

A group life policy enables employers to provide a tax-free lump sum benefit payment, and/or a longer term income, to the family and dependents of an employee if they were to die during employment.

As well as encouraging staff loyalty and demonstrating a genuine care for staff welfare, provision of group life assurance also goes some way to reassuring employees that their efforts in the workplace are appreciated.

The main advantages of such a scheme are:

  • Policies are very flexible and cover can be tailored to your specific requirements
  • Generous free cover limits – reducing the need for lengthy medical evidence
  • Implementation of the plan enhances employee relations
  • Provides peace of mind and reassurance
  • Premiums paid on an employee’s behalf are not treated as a benefit in kind and are therefore not subject to income tax
  • Any lump sum payable to dependents is not subject to inheritance tax
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Joanne O’Brien, Broker Network Manager, AXA Insurance