Group Life Insurance

Financial protection when it matters most.

A benefit that truly makes a difference

Also known as collective life insurance, this is one of the most valued protections a company can offer. It provides financial security to an employee’s loved ones — typically a spouse, children, or dependents — by guaranteeing a lump sum payout if the employee passes away while employed.

Cover can be structured in two ways:

Salary multiples – for example, 12, 24, 36, or 48 times the employee’s monthly salary (equivalent to 1 to 4 years of pay)
Fixed sums by role or category – such as R$100,000, R$200,000, or R$300,000, regardless of salary

This flexibility allows the benefit to be tailored to your organisation’s needs and workforce profiles. We help you design the right structure — aligning cover with your budget, employee expectations, and strategic goals. The result? A competitive, well-governed benefit that meets market best practices and shows you genuinely care.

Benefits for your business

Cost-effective with added value
Group life insurance is an affordable way to protect your people — and many policies go further, offering extras like psychological support, financial advice, and legal guidance.
Favourable tax treatment
Premiums paid by the company are generally not considered part of the employee’s taxable income, making it a smart financial choice for both sides.
Boosts your employer brand
Offering meaningful protection shows you value your people — reinforcing your reputation as a responsible, people-first employer.
Meets market expectations
In today’s competitive landscape, professionals expect more than just salary. Group life insurance is a key benefit that helps you attract and retain top talent.

Benefits for your employees

Financial peace of mind
Provides vital support to loved ones in the event of an employee’s death — helping families through one of life’s toughest moments.
Tax-free payout
The benefit is typically exempt from income tax and not included in the estate, meaning faster, simpler access for beneficiaries.
No medical exams needed
In most cases, employees can enrol without undergoing any medical checks — making access to cover quick and hassle-free.