I want to support my employees loved ones

Group Life Assurance


Death in service

Group Life Assurance (also called Death in Service) is low cost and one of the most popular and commonly provided benefits. It pays a tax-free lump sum if an employee dies, to provide support for the people who depend on them financially. The lump sum is normally based on a multiple of the employee’s salary.

Nobody wants to contemplate the loss of a loved one, but it can happen and as an employer, you can add real value to your employees by supporting them and their families with this benefit.

Key features include:

  • Under current UK tax laws, your premiums can normally qualify as an allowable business expense.
  • A more competitive and attractive benefits package can help you recruit and keep the right staff.
  • Eligible claims, which usually fall outside of probate, can be paid quickly.
  • The lump-sum payment doesn’t usually form part of a member’s estate, so should be free of inheritance tax.
  • Not classed as a ‘benefit in kind’ for employees.
  • Tax-free payment when written in trust.
  • Bereavement and employee assistance helplines usually available at no additional cost.
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