About your benefits
Discover our group life and disability benefits
By working with you to understand the needs of your employees, we can create a tailored solution that is competitive and gives you greater control over your benefits package.
Our International Group Risk Solution offering provides group life and disability cover for internationally mobile employees of large multinational companies with a global footprint, tailored to your employee care strategy. You’ll have the ability to align benefits at a group level, resulting in reduced administration and a more cost-effective solution to give your employees the protection they deserve.
It’s important to us that we make our policies as simple and flexible as possible. This helps to ensure that if the worst happens, your employees have one less thing to worry about. The following benefits are available to you to choose and create the employee benefits package suitable for your employees.
Your benefits
Group Life
Our Group Life benefit enables you – the employer – to provide a lump sum payment in the unfortunate event of an employee’s death. This cover can be provided to the whole workforce or tailored to a certain category, with varying levels of benefits.
Accidental death cover
We know that a safe working environment is of primary importance to an employer. However, unforeseen events can and do happen—both in and outside of the workplace. This benefit provides an additional lump sum (supplementary to the Group Life cover) in the event one of your employees dies as a result of an accident.
Spouse income and child income
With our Spouse and/or Child Income benefits, we help you extend your duty of care in the long term to the employee’s family. Cover can be extended to provide regular payments to an employee’s spouse and/or child in the event of their death.
Income Protection
As a caring employer, you want to be assured that a serious illness or injury that prevents an employee from working won't leave them struggling financially. With income protection, you, as the employer, are able to pay employees a percentage of continued income if illness or injury prevents them from working for a prolonged period of time.
Permanent total disability
This cover provides a lump sum payment in the event your employee is totally disabled on a permanent basis as a result of an accident or illness.
Permanent total or partial disability
This cover provides a lump sum payment in the event your employee is partially or totally disabled on a permanent basis as a result of an accident or illness.
Temporary total disability
This cover provides a payment to the employer for up to two years in order to meet salary costs in the event your employee is totally disabled due to an accident or illness.
Accidental dismemberment cover
Often combined with accidental death, this cover provides a lump sum in the event any of your employees suffer a dismemberment due to an accident.
Waiver of premium
In the event of long-term disability with an extended period of work absence, this benefit removes your company’s obligation to make further premium payments for that employee.
Waiver of pension contribution
You have the option to cover the pension contribution you have committed to paying on behalf of your employees when they are unable to work due to illness or injury. This amount will be paid to yourself as the policyholder.
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