Life & Health
Group Life Assurance
A scheme that pays a multiple of salary to an employee's beneficiaries in the event of death in service, often combined with disability and critical illness benefits.
What this policy covers
- Death in service benefit (a multiple of annual salary)
- Permanent total disability
- Critical illness benefit (where selected)
- Last expense benefit (where selected)
Why arrange it through Hace
- Free cover limits with minimal medical underwriting
- Competitive rates negotiated at scheme level
- Simple annual member data updates
- Clear support for families at claim stage
Optional extensions
- • Critical illness
- • Funeral expense advance
- • Spouse and dependant cover
Common exclusions
- • Losses that happened before the policy start date
- • Deliberate or fraudulent acts
- • War, invasion and nuclear risks (unless specially arranged)
- • Wear, tear and gradual deterioration
- • Members outside the eligible category
- • Benefits above the free cover limit without underwriting
Frequently asked
What is a free cover limit?+
The benefit amount an insurer will grant each member without individual medical underwriting. Amounts above it require medical evidence for that member only.
Ready to arrange group life assurance?
Tell us what you need to protect and we will compare the market and come back with clear options.