Group Cover
Unified Cover.
Security for All.
Cover that works
Protecting the Workforce
Group Life Insurance provides essential protection for employees or anyone within an affinity network, under a single annual policy. Whether as part of an employee benefits package or a broader group provision, it offers affordability, accessibility and peace of mind across all members.
Flexible Coverage Basis
Enhance clarity and fairness. Cover can be set as a multiple of annual salary or a fixed sum for all members
Streamlined Underwriting
Enjoy efficiency and ease with simplified assessments and a generous no-medical limit
Certainty at every level
Every life assured is issued a cover certificate with nomination forms for seamless claims
Enhanced Security
Depending on group profile and location, benefits like Critical Illness and Disability Cover can be added
Benefits of Group Cover
Death Benefit
Provides financial support to the nominated beneficiaries of a covered member in the event of their death. For organisations, this ensures that employees’ families are cared for, strengthening loyalty and reinforcing the value of group protection. Cover starts at US$100,000 per member, and cannot exceed US$3 Million per member at maximum.
Critical Illness Benefit
Pays a lump sum if a covered member is diagnosed with a specified serious illness. This benefit helps employees and their families manage financial pressures during recovery, offering peace of mind and enhancing the employer’s care commitment. Starting from US$100,000 per member, which cannot exceed the death benefit or US$1.5 million per member as a maximum.
Disability Benefit
Provides financial security if a member becomes permanently disabled and unable to work. For businesses, this ensures that staff are safeguarded against income loss, demonstrating long-term support and reinforcing organisational stability. Cover starts at US$100,000 per member, and cannot exceed two times annual salary or US$500,000 per member at maximum.