Group Life Insurance
Protect Your Workforce with Confidence
When tragedy strikes, your employees’ families shouldn’t face financial uncertainty. At Cobalt, we design comprehensive Group Life Insurance schemes that provide genuine security and peace of mind—backed by 40 years of specialist expertise and our commitment to securing the best possible outcomes for your organization and your employees’ families.
We understand that every business has different risk profiles that require different approaches to life insurance. For office-based employees, we secure competitive rates from A-rated insurers who offer standardized pricing for low-risk occupations. For higher-risk roles—offshore workers, construction teams, or international deployment positions—we access specialist Lloyd’s markets that price each risk individually and provide coverage that standard insurers can not do.
Why Group Life Insurance Delivers Real Business Value
Attract & Retain Top Talent
In today’s competitive job market, comprehensive benefits separate you from competitors. Studies show that 83% of large companies offer wellness and protection benefits precisely because of the tangible returns employers can measure. A robust life insurance package demonstrates you genuinely care about your team’s wellbeing and their families’ security—crucial for recruiting and retaining high-performers who have choices.
Financial Security for Families
A sudden loss is devastating enough without financial worry. Group Life Insurance ensures your employees’ loved ones receive substantial support when they need it most—covering mortgages, education costs, and living expenses during the most difficult times.
Corporation Tax Relief Benefits
Group Life premiums qualify for full corporation tax relief as a business expense, reducing your net cost significantly. For employees, coverage is completely tax-free—not classified as a benefit-in-kind, so no additional tax burden for your team. You’re providing substantial value while minimizing actual cost impact through proper tax planning.
Demonstrating Corporate Social Responsibility
Offering comprehensive life insurance shows your commitment to employee welfare beyond just the workplace, demonstrating that you care about their families’ long-term security. This visible investment in your workforce enhances your company’s reputation as a responsible employer and strengthens your corporate social responsibility profile.
How We Work With You
Discovery & Needs Analysis
We start by understanding your sector, workforce exposure, and coverage goals. Whether you’re focused on cost or customisation, we listen first. We assess headcount, risk factors, and regional footprint to shape the right starting point.
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Market Access & Strategy
We quote from both mainstream UK insurers and specialist Lloyd’s syndicates—giving you access to pricing and benefits most can’t reach. This lets us tailor options for both standard risk and complex international operations.
Off-the-Shelf or Bespoke
Choose a fast, plug-and-play policy—or have us design something unique. Our bespoke plans include war risk, remote worker cover, and high-benefit limits. You choose the route—speed and simplicity, or custom-built protection where standard plans fall short.
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Seamless Setup
We manage enrolment, communications, declarations, and annual reviews—so you stay compliant without extra admin.
We’ll equip your HR team with all necessary documents and handle every stage from onboarding to audit trail.
Long-Term Support
We’ll be here year after year—handling claims, tracking premiums, and adapting benefits as your business evolves.
Expect proactive reviews, strategic renewals, and a dedicated contact you can always reach.
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Key Features of Our Group Life Insurance
Flexible Benefit Levels
Multiple salary ratios and flat-rate options to suit different employee grades and budget constraints.
Free Cover Limits
Free cover limits and medical history disregarded options to ensure rapid implementation and broad employee participation.
Specialist Risk Solutions
Access to Lloyd’s market capacity for complex exposures, dangerous professions such as offshore work or construction, and international risks that standard markets can’t properly assess.
Comprehensive Claims Support
Dedicated claims advocacy ensuring families receive proper support and guidance through the entire process.
Trust & Transparency
We’re not owned by an insurer and we’re not tied to one approach. We guide you through quotes in plain English and help you compare options without pressure. Our clients benefit from:
We’ve handled complex life schemes for over two decades—especially in high-risk markets.
Our relationships with Lloyd’s, AIG, Zurich, Generali and more ensure breadth of cover and depth of support.
We’re a regulated UK brokerage offering advice with professional accountability.
Trusted by World-Leading Partners
Ready to Protect Your People?
Whether you’re a multinational in search of specialist cover or a local firm needing a simple, compliant solution—our team can help you build the right group life package.
