Group Life insurance
Group Life insurance offers employees the reassurance that their families will be looked after if they pass away.
Why Group Life Insurance
In the event of an employee's death, their dependants receive a tax-free lump sum, plus practical help with funeral arrangements.
Group Life client benefits
Funeral planning
An innovative funeral planning and support service that's only available to MetLife clients, including help writing a will and a digital vault.
Free bereavement and probate support
Includes up to 6 bereavement counselling sessions and a 24-hour helpline providing practical guidance and emotional support
GP24 virtual GP service
Provides free access to book GP appointments via telephone or online video, 24/7, 365 days a year.
Employee Assistance Programme
Supporting the emotional, physical and mental wellbeing of employees, 365 days a year, 24/7 via telephone or online video helpline, and mobile app.
At MetLife, we go beyond traditional Group Life cover. Our exclusive offering is there to help with the every day, and prepare for the final day.
It goes far beyond a financial payment when someone dies, providing practical and emotional support for those left behind to hold their hand through the difficult days ahead as they plan the funeral.
With Group Life's various benefits and support services, we can help employers demonstrate how much they value their most important asset – their people, and help them attract and retain talent in a competitive jobs market.
Plus, employees get to share our great new benefits with their closest family, ensuring they have support and reassurance on hand 24/7, 365 days a year.
Find all the documents and resources your clients need to get the most from Group Life.
Supporting employers
Everything you need to get a quote and arrange cover for your Group Life clients
To request a quotation for a Group Life (including Flexible Benefits), please email ebnewbusiness@metlife.uk.com and include the details requested below.
To get a Group Life quote from us, we will need the following information:
- Company name
- Location
- Nature of business
- Overseas travel
- Is the company currently insured?
- Claims and medical underwriting information/history (past 5 years)
- Details of any members who have been off sick for more than 90 days within the last 12 months
- Policy design, which should include the following:
- Benefit basis
- Termination age
- Membership data, which should include the following:
- Employee names/identifiers
- Category identifiers (where there is more than 1 category)
- Dates of birth
- Gender
- Occupation
- Workplace postcode
- Salary
You can receive quotes in minutes* for Group Life schemes between 3-499 members with our 24/7 online quote portal, Accelerate.
Best rates first time and apply online to go on risk. Please register your interest by emailing ebportal@metlife.com.
* There may be instances where an Underwriter decision is required. If so, our standard turnaround time is 3 working days.
If your client would like to accept a quote, follow the steps below to arrange cover.
Confirm the quote you are accepting and send this over to our in-house sales team via email at ebnewbusiness@metlife.uk.com, who will be able to place the policy on risk subject to the caveats being answered on the quotation.
Please provide the following if known:
- Start date
- Will the client be using the MetLife Master Trust (Registered Group Life policy only)?
- Payment method (Cheque, Standing Order, Direct Debit etc)?
- Payment frequency (annual, monthly etc)?
- Will the payment be made by the insured company?
- Annual review Date?
- Confirmation that the assumptions are correct?
Once we have the above confirmed we can then proceed with placing the policy on risk. Please note, in order to place a policy on risk, we will require all caveats to be confirmed in writing, (email is acceptable) by 3pm the day prior to inception.
At this stage you will be sent the proposal form and Master Trust form (if required) by your Account Manager or a member of the sales support team. The completed proposal form can follow within 30 days of the policy’s inception date.
Once you have confirmed the quotation that your client would like to go on risk with, our sales team will process the request and confirm when the policy is active. The invoice and accounts will follow in due course.
If any members need medical underwriting we will let you know so that a Health Questionnaire can be completed.
1. The employer should complete the initial policy details.
2. The member should complete questions about their lifestyle and medical history.
The MetLife Master Trust helps reduce administration and cost for your client. All employers wishing to insure lump sum death benefits for their staff with a MetLife Registered Group Life policy can choose to participate in the MetLife Master Trust.
All they need to do is sign a Deed of Participation which is included at the end of the proposal form.