Total Health Insurance in a Changing World

Group Life Assurance (Death in Service) Channel Islands

The reason most employers choose a Group Life Policy (Death in Service) in the Channel Islands is to demonstrate to its employees that they care, and they care not only about their employees but the wellbeing of the employees family, dependents or nominated beneficiaries should the unthinkable happen and they die whilst in service.

Group life assurance differs from an Individual life insurance policy as it is an insurance plan that does not accumulate a cash value. Group Life is a scheme that is an employer sponsored term insurance that is able to provide a higher level of protection at a reduced cost compared to an individual plan making it more cost effective.

Group Life Assurance for the Channel Islands

BDHL is aware that the independent status of the Channel Islands means that an off-the-shelf policy from a UK supplier does not always cater specifically to the needs of the area. Many forward-thinking insurers now provide schemes tailored especially to the needs of a Group Life Assurance policy in the Channel Islands, allowing you to get the maximum benefit at a reasonable cost.

The Benefits of Group Life Assurance (Channel Islands)

A Group Life assurance policy offers a range of benefits for both employee and employer.

For an Employee it can provide a tax free lump sum benefit of either a multiple of salary or a fixed amount. In some cases if an employee has had previous exclusions or cover not offered on other policies they would be eligible to receive (to a specific level) free cover limit without any medical underwriting. This can offer huge reassurance and peace of mind.

Premiums paid on behalf of an employee are not treated as a benefit in kind and cover can even be continued for a designated period of time if absent from work due to sickness or another agreed absence.

And for the Employer having Group Life Assurance cover plays an important part in appointing and retaining the best staff as well as demonstrating that you are a caring employer. Having a staff benefit in place that can offer a Free Cover Limit not requiring medical declarations can be a bonus.

How BDHL can help

BDHL can tailor your Group Life Insurance cto fit within your budget and a variety of features incorporated to ensure it reflects your requirements. As an Independent Broker, we specialise in all areas of Group Life Insurance and through a special arrangement with a few leading providers have been able to arrange cover for groups as few as 3 employees with a free cover level of £500,000 per employee, therefore no medical declarations is required.

To find out what we can offer you, get in touch with us by calling +44 (0)1892 891 900, email us at, or use the contact form on this page to submit your enquiry!

Call today

Call us today
+44 (0)1892 891 900

Request callback

We can call you
Request a call back

We use cookies, just to track visits to our website, we store no personal details. ACCEPT COOKIES What are cookies?