Group Life Assurance

Critical Coverage for the Unexpected

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What is Group Life Assurance?

Commonly known as “Death in Service,” Group Life Assurance is one of the most valued employee benefits—offering a tax-free lump-sum to your employees’ beneficiaries if they die while employed.

How it works

  • Customized Coverage based on salary — typically calculated as a multiple of pay (e.g. 4× annual salary) to ensure adequate protection.
  • Cost-effective and tax-efficient — favored by employers for its affordability and minimal tax implications.

Why It Matters for Employers

  • Attracts and retains talent — a benefits offering that speaks to your organization’s care for its people.
  • Demonstrates genuine duty of care — creating a culture where employees and their families feel protected.

Why It Matters for Employees

  • Financial peace of mind for loved ones — the lump-sum payment is usually tax-free and not part of the estate, often avoiding inheritance tax.
  • No medical underwriting required — coverage is often guaranteed, making it universally accessible.
Dad and daughter hugging

Protect your team's future with care.

Contact Howden today to tailor Group Life Assurance that honors your people and amplifies your duty of care.

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FAQs

It’s a Death-in-Service benefit, offering employees’ beneficiaries a tax-free payout if the employee passes away while employed.

Because it's cost-effective, supports talent retention, aligns with duty of care, and is a highly valued employee benefit.

Families receive a lump-sum that is typically tax-free and not part of the estate, offering important financial support at a difficult time—usually with no medical hurdles.