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Life Assurance

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  • Financial Protection...
    For your employees and their families.

Tabbed: Life Assurance


Life Assurance...

Group Life Assurance (also known as death in service) provides a lump sum benefit of either, multiple of salary or a fixed amount, on the death of an employee. The benefit is made payable to the nominated beneficiary of the employee, usually a family member. Group Income Protection and Critical Illness products are also available.


Benefits to Employer..

  • Demonstrates duty of care to your employees
  • It’s perceived worth can be far greater than the amount you actually pay for it
  • Premiums are usually treated as an allowable business expense for tax purposes
  • Helps to boost staff morale and employee retention
  • Very easy to administer

Benefits to Employee

  • Provides reassurance that their family are protected in the event of their death
  • No medical underwriting is required, unlike with policies set up on a personal basis
  • Significantly cheaper premium than being insured on a personal basis

Key Points

An independent and professional service based on client’s individual needs.  A review of the leading insurers is carried out and a report is provided listing the different options and recommendations. The aim is to ensure that all clients receive a friendly, personalised and confidential service where policy details and available options are clearly explained enabling clients to make an informed decision.

  • A relevant solution no matter how many employees you have  -  1 to 1000s
  • Source a provider to suit your specific business needs

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What our clients say...


FAQ's...and Answers

Is Group Life Assurance a taxable benefit for employees? 
No, employees do not need to declare it.

How are the premiums calculated? 
Premiums are based on employee’s age, salary, location of the business and total sum assured.

Is it easy to add and remove employees? 
Yes, insurers only require an updated membership list once a year listing new joiners and leavers.  Financial accounts are then adjusted at the end of a policy year to reflect any changes in premium due to membership changes.  Employees who are eligible to join the scheme mid policy year will automatically be covered without having to provide employee details to the insurer until year end.

Does Group Life Assurance only cover employees whilst they are at work? 
No, the policy covers employees whilst at work, overseas business travel and during their leisure.


Quotation Request (Employers)

Please complete the short form below and one of our team will be back in touch promptly. Any questions, or if you would prefer, please call us on 01280 851113.


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Please send me a Savings Illustration/Quotation...

 


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Your Agreement...

I confirm that Gemelli can contact me regarding this enquiry using the details I have provided.


Data Protection...

The information that you provide on this form will be used in a confidential manner to help us process your request to use one of the services we provide to your employer. We abide by the Data Protection Act and General Data Protection Regulations. We are conscious of only taking the personal data from you that we require and will keep it safe and secure. We may need to take limited details about you to process this enquiry. You can find details of how we process your personal data in our Privacy Policy on our website. 

I confirm that I understand and agree to the Data Protection Statement above and the terms of Gemelli's Privacy Policy.


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Employer Registration Form

Please complete the Registration Form below. Any questions, or if you would prefer to complete your registration over the phone, please call us on 01280 851113. Alternatively you can print out the Registration Form and return to us by post, fax or email. Or if you are looking to register for a Self Administered Scheme please complete our Self Administered Scheme Order Form

Printable Registration Form


Your Details...


Company Details...


Services Required...

 


Preferred method of contact...

 


Your Agreement...

I confirm that the information I have given is accurate and that Gemelli can contact me using my details as above.


Data Protection...

The information that you provide on this form will be used in a confidential manner to help us process your request to use one of the services we provide to your employer. We abide by the Data Protection Act and General Data Protection Regulations. We are conscious of only taking the personal data from you that we require and will keep it safe and secure. We may need to take limited details about you to process this application. You can find details of how we process your personal data in our Privacy Policy on our website. 

I confirm that I understand and agree to the Data Protection Statement above and the terms of Gemelli's Privacy Policy.


Please now submit your registration by clicking on the button below. One of our team will be in touch shortly - thank you.

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Ask us a Question...

Any questions? Please complete the short form below and one of our team will be back in touch promptly. If you would prefer please call us on 01280 851113.


Your Details...


Your Question...


Your Agreement...

I confirm that Gemelli can contact me regarding this enquiry using the details I have provided.


Data Protection...

The information that you provide on this form will be used in a confidential manner to help us process your request to use one of the services we provide to your employer. We abide by the Data Protection Act and General Data Protection Regulations. We are conscious of only taking the personal data from you that we require and will keep it safe and secure. We may need to take limited details about you to process this enquiry. You can find details of how we process your personal data in our Privacy Policy on our website. 

I confirm that I understand and agree to the Data Protection Statement above and the terms of Gemelli's Privacy Policy.


Please now submit your enquiry by clicking on the button below. One of our team will be in touch shortly - thank you.

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