Group Life Insurance
Give your employees peace of mind with protection that truly matters.
Provide financial security for employees’ loved ones in the event of death.
Help attract and retain talent by offering a benefit that shows you care.
Simplify administration with expert support for compliance and day-to-day management.
About ilumiti
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Why group life insurance matters
Group life insurance provides a lump sum payment to an employee’s beneficiary if the worst happens, offering financial security during a difficult time. It forms a vitally important aspect of your employee benefits program.
HR teams often face challenges with scheme governance, provider management, and ensuring compliance — all while balancing other priorities.
What ilumiti do
We provide end-to-end support for your group life policy:
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Scheme set-up and provider selection
Helping you choose the right insurer and structure/cover levels for your business.
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Administration and day-to-day management
Managing enrolments, claims, and compliance so you don’t have to.
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Market review and coverage options
Assessing the market and presenting tailored solutions.
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Expert negotiation
Securing competitive rates and favourable terms.
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Underwriting support
Assisting employees through the process.
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Seamless onboarding and offboarding
Managing enrolments and terminations efficiently.
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Billing and account management
Handling invoicing and account reconciliation.
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GDPR compliance
Protecting sensitive data at every step.
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Employee guides and communication
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Annual scheme review
Evaluating performance and recommending improvements.
Why choose ilumiti?
Our ethos is prosperity through clarity — and that’s vital for life insurance, where complexity can prevent employees from appreciating its value.
Deep expertise in group life scheme management
Strong relationships with leading providers
Support for small businesses – Helping SMEs deliver competitive benefits without the complexity.
Clear, human communication – Making life insurance benefits accessible and valued.
Want to see what’s possible?
Let’s make your group life insurance scheme a benefit employees truly value. From set-up to engagement campaigns, we’ll help you create a strategy that supports wellbeing and retention.
Get in touch to discuss how we can support your next rollout or review.
Frequently Asked Questions
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Group life insurance provides a lump sum payment to an employee’s nominated beneficiary if they die while employed. It’s a cost-effective way for employers to offer financial protection and peace of mind.
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Group life insurance can be a valuable addition to your benefits package. For employees, it provides reassurance that their loved ones will have financial support if the unexpected happens — which can help reduce stress and give peace of mind.
For employers, it’s a way to show genuine care for your people and strengthen your overall employee value proposition. Offering this type of protection can help you stand out in a competitive market and may support retention and engagement by demonstrating a commitment to wellbeing.
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There’s no one-size-fits-all price. The cost of healthcare benefits can vary based on several factors, including employee headcount, geographic location, salary levels, and the overall health profile of your workforce.
Working with an insurance broker like ilumiti can make this process easier. We go to market on your behalf, gathering quotes from leading healthcare providers and comparing coverage options and rates. Our team can also negotiate competitive terms, review plan performance annually, and recommend adjustments to keep your benefits cost-effective and aligned with your business needs.
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The cost of group life insurance can vary depending on several factors, including the size of your workforce, the level of cover you choose, and any additional benefits you include. Premiums are usually calculated per employee and can be surprisingly affordable, especially when negotiated through a broker. We review the market to secure competitive rates and ensure your plan fits your budget without compromising on value.
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Group life insurance can be straightforward to implement with the right support. As your broker, we manage the entire process — from selecting the right provider and negotiating terms to handling onboarding and ongoing administration. This means your HR team can stay focused on core priorities while we ensure compliance and a smooth rollout for your employees.