Group cover.

Group cover.

Protecting a business’s most valuable assets – its people

Adviser Use Only

For employers and business owners, providing insurance protection for their employees can be a valuable employment benefit which helps attract and retain staff and promotes workplace wellbeing.

Getting cover through their work can give employees peace of mind should something happen that affects their ability to work. In many cases, cover can be granted without any health evidence.

Our group covers include:

For more information please email our Group Risk team.

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Group life cover

Life cover provides a lump sum payment in the event of death or terminal illness. This can provide peace of mind for employees and their families.

Read our Life cover info sheet.
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Group total and permanent disability (TPD) cover

TPD cover provides a lump sum payment should their covered employees become totally and permanently disabled – and therefore unable to work – because of illness or injury. This cover is only available in conjunction with Group life cover as an accelerated benefit, where a claim will reduce the amount of life cover.

Read our Life & TPD insurance info sheet.
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Group income protection cover

Income protection cover provides a regular monthly benefit payment should their covered employees be unable to work due to sickness or injury. Our Income protection cover is on an indemnity basis and may include proactive rehabilitation assistance to get the employee back to work as quickly as possible.

Read our Income protection insurance info sheet.
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Group trauma cover

Trauma cover provides a lump sum payment should their covered employees suffer one of a specified list of trauma conditions. Your customer can choose from the following options:

  • Standard cover – covers up to 13 medical conditions such as heart attack, stroke and cancer.
  • Enhanced cover – covers up to 43 medical conditions including angioplasty, coronary artery bypass surgery, and severe burns.
Read our Trauma insurance info sheet.

Available with group cover:

These are a selection of the covers and options available – for full details please read the factsheet and policy wordings.

Frequently Asked Questions

We’ve compiled a list of the most commonly asked questions about this cover. For the full run down though, it’s really important you read our factsheet and policy wordings.

See FAQs

Need more info?

For more information on Group cover, please email our Group risk team at – we’re here to help.


Customers - The materials on this website are intended for financial adviser use only and are not intended for customer use. A financial adviser can assess your life insurance needs and make recommendations that are suitable for your personal circumstances. If you do not have a financial adviser, please contact Fidelity Life on 0800 88 22 88 and we will put you in contact with one.
Advisers - The information contained in this webpage is a convenient summary of the key points of this insurance policy and is general in nature. It is not, and is not intended to be, a policy document. Details of definitions, benefits, standard exclusions/limitations, terms and conditions are contained in the full policy documentation which is available from your Business Manager or Business Account Manager. Please refer to current policy wordings for specific details. This webpage does not provide a personalised financial advice service.