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Group Life Assurance

A premium employee benefit program securing a financial safety net for your staff's beneficiaries.

Employee Benefits

Invest in Your Employees' Welfare

Group Life Assurance (GLA) is structured for employers, corporate staffs, or employee welfare associations. It pays out a lump sum to the dependents of an employee who passes away during their employment term. GLA is highly effective for talent retention and relieves employers from carrying ad-hoc funeral and welfare fundraising burdens.

Lump Sum Payout Structures

Salary Multiple Cover

Payouts are calculated as a multiple of the employee's annual gross salary (e.g. 3x or 4x annual salary), ensuring proportional financial security.

Flat Limit Cover

Underwriters issue flat-rate sum assured packages (e.g., KES 1,000,000 per employee) regardless of salary, which is simpler for associations.

Riders You Can Include

  • Group Last Expense: An accelerated cash benefit (e.g. KES 100,000) issued to the family within 48 hours to handle immediate funeral bills.
  • Permanent Total Disability (PTD): Pays out a lump sum up to the total sum assured if an employee suffers permanent disability and cannot work.
  • Critical Illness: Pays out an accelerated lump sum (up to 30% or 50% of the sum assured) on first diagnosis of stroke, heart attack, or kidney failure.
  • Waiver of Premium: Waives premium obligations for disabled employees.

Request GLA Quote

Provide company salary totals to receive comparative rates.

Underwriting comparison sent within 1-2 hours.

FAQs

Group Life FAQs

Answers to group sizing rules, medical exam limits, and taxation guidelines.

Most insurance companies in Kenya require a minimum group size of 10 employees to write a Group Life Assurance policy. However, some specialized micro-underwriters accept groups as small as 5 members.

In Group Life covers, insurers establish a **Free Cover Limit (FCL)**, which is a sum assured threshold (e.g. KES 10,000,000). Any employee whose individual coverage falls below the FCL is covered automatically without medical checkups. Only employees whose salary multiple warrants coverage above the FCL must go for routine medical tests, paid for by the insurer.

No, the death benefit payout made to an employee's beneficiaries is paid as a tax-free lump sum in Kenya. Additionally, for the employer, Group Life Assurance premium contributions are considered fully deductible business expenditures for tax purposes.