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Group Life insurance, also known as Death-in-Service, is an employee benefit that provides a lump sum payment to the family or dependents of an employee in the event of their death while employed by the company.

The lump sum payment can help ensure financial stability and maintain the dependents' standard of living after the loss of the primary earner. It can assist with mortgage payments, education expenses, daily living costs, and other financial obligations.

Group Life insurance not only provides financial support but can also offer emotional and psychological support to employees and their families during difficult times. Employers often provide additional resources, such as counselling services or bereavement support, to help employees and their families cope with grief and loss.

Group Life insurance plays a vital role in providing financial protection and peace of mind to employees and their families. It supports employee retention, recruitment efforts, and helps maintain a positive work environment, ultimately benefiting both employees and employers.

Group income protection is an employee benefit that provides financial protection to individuals in the event of long-term illness, injury, or disability.

It ensures that employees continue to receive a portion of their salary if they are unable to work. This benefit helps maintain a stable income for employees and reduces the financial burden that may arise from lost salary. Many Group Income Protection schemes provide additional services beyond income replacement.

This may include access to rehabilitation programs, vocational training, and support to help employees return to work as soon as they are medically able. Additional support will also include mental health support services. This may involve access to counselling or therapy services to help employees cope with the emotional and psychological challenges associated with long-term illness or disability.

These services contribute to the overall well-being and recovery of employees. Group Income Protection can result in cost savings for both employees and employers. Employees typically pay lower premiums for group coverage compared to individual policies. Employers may benefit from reduced costs associated with absenteeism, recruitment, and training by retaining valuable employees who are supported through the income protection plan.

Group Critical Illness insurance is an employee benefit that offers financial protection in the event of a specified critical illness or medical condition.

It is designed to help alleviate the financial burdens associated with medical expenses and lifestyle adjustments that may arise when an individual is diagnosed with a covered critical illness.
Group critical illness insurance provides coverage for a predetermined list of critical illnesses or medical conditions, which can vary depending on the insurance provider and policy.

Commonly covered conditions may include cancer, heart attack & stroke, among others. If an insured individual is diagnosed with a covered critical illness, the insurance policy pays out a lump-sum benefit upon diagnosis. The benefit amount is predetermined by the employer & specified on the policy.

Group critical illness insurance is intended to provide financial support during a challenging time, allowing individuals to focus on their recovery and manage the financial impact of a critical illness.

Key person insurance, also known as key employee insurance or key man insurance, is a type of life insurance policy that covers a company or organisation against financial losses that may occur as a result of the death or extended absence of a key employee, owner, or executive.

The loss of a key employee can negatively impact a company's revenue, profitability, and ability to function. Key person insurance policies are designed to compensate the company or organisation for financial losses that may arise from the loss of a key employee. The policy is typically purchased by the employer and the premiums are paid by the company.