Provide a robust financial security umbrella for your employees and their families. Institutional group rates, 24/7 global coverage, zero medicals up to high NML limits, and 100% tax deductibility under Section 37(1).
Understanding pure term death benefit structures, salary multipliers, and institutional risk pooling.
Group Term Life Insurance (GTL) is an employer-funded master life insurance policy that provides substantial financial compensation to an employee's designated family members or nominees in the untimely event of death due to any cause including natural causes, illnesses, or accidents.
Unlike individual life policies requiring tedious medical underwriting, GTL offers 24/7 worldwide financial protection with high Non-Medical Limits (NML). Employers can structure benefits either as a flat sum assured across designations or as a salary multiple (e.g. 2x to 5x annual CTC), ensuring adequate financial protection for dependent families.
Employees are shielded around the clock on and off duty, during international travel, and across remote work setups.
Automatic acceptance without medical tests or individual underwriting up to generous Non-Medical Limits (NML).
Easily link coverage to 2x, 3x, or 5x annual CTC so protection automatically scales with employee career growth.
Why top companies and fast-growing startups make GTL a core pillar of their employee compensation and benefits strategy.
All premiums paid by the employer towards employee group term life policies are treated as 100% deductible business expenses under Section 37(1).
Secure high coverage (₹25 Lakh to ₹1 Crore+ per employee) at up to 70% lower premiums compared to retail individual life insurance plans.
Enjoy wide coverage for employees without mandatory individual medical checkups or blood tests up to the agreed institutional Non-Medical Limit.
Enhance core life coverage with comprehensive add-ons including Accidental Total and Permanent Disability (ATPD) and Critical Illness accelerators.
A transparent, 3-step benchmarking and digital onboarding process handled end-to-end by our corporate team.
Step 1
We analyze your employee demographic data and help you select optimal graded tiers (e.g. 2x to 5x annual CTC or flat ₹25L/₹50L sum assured).
Step 2
We benchmark proposals across leading IRDAI-registered life insurers (LIC, HDFC Life, ICICI Pru, Tata AIA, Max Life) to lock in lowest group rates.
Step 3
Master policy is issued digitally with seamless mid-term member additions/deletions and priority end-to-end death claim settlement support.
Compare sum assured multipliers, rider costs, and volume group discounts across top-rated life insurers.
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Key questions HR leaders and founders ask about Group Term Life plan design and tax rules.
