Eligible employees
The employee groups included in the programme.
People & wellbeing
Group Term Life
Provide financial support to families when an employee dies.
Group Term Life addresses agreed life benefits for eligible employees during the policy period.
Introduction
What is Group Term Life?
Group Term Life is commonly considered by employers building a balanced benefits programme or meeting contractual benefit commitments. It can address agreed life benefits for eligible employees during the policy period.
What it protects
What can the policy protect?
A Group Term Life programme should define the eligible employees, benefit basis and whether protection includes death only or death and disability.
Benefit basis
A fixed benefit, multiple of salary or other agreed basis.
Coverage benefits
Death only, or death and disability, according to the selected programme.
Common events
What types of loss can be covered?
The examples alongside help test the proposed programme against realistic situations. They guide the conversation but do not represent automatic cover.
Death
An eligible employee dies during the insured period.
Disability
An eligible employee suffers a disability where that benefit is included.
Programme context
Where this cover fits
Industry applications
The role of the cover should reflect the operation, contractual responsibilities and potential severity of loss.
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Garment & Textiles
For labour-intensive production, valuable stock and delivery commitments across local and export markets.
Hotels & Hospitality
For public-facing operations where premises, people, service continuity and reputation all matter.
Manufacturing
For operations where machinery, stock, people, suppliers and production continuity work as one system.
Mining, Metals & Minerals
For remote, capital-intensive operations with heavy equipment, specialist people and complex logistics.
Independent employee benefits review
Review Group Term Life with Talisman.
Share your current wording, renewal terms or information about the requirement. We will help identify the practical next step.
Illustrative information only. Coverage, availability, limits and terms depend on the risk profile, insurer approval and final policy wording.