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Contact our specialist team for FREE expert help & advice 0800 083 2829

Group Life Insurance

The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

Group life is a type of life insurance that provides cover to a large group of employees under a single contract.

Quick application process | No underwriting needed

What is group life insurance?

Group life insurance is a type of life insurance plan that employers provide to a group of 3 or more employees. This policy offers a death-in-service benefit, meaning if an employee dies while with the company, a lump sum is paid to their beneficiaries.

Ideal for Small to Medium-Sized Businesses: Suitable for companies wanting to offer employee benefits.

Tax-Deductible: Employers can deduct the cost of premiums from their taxes.

Employee Retention: Enhances employee benefits, helping to retain staff by offering attractive company perks.

Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.

How Group Life Insurance Works

STEP 1

Confirm who you would like to cover how many employees require cover?

STEP 2

We'll ask you a few questions to find the best insurer and policy

STEP 3

An expert adviser will search the market

STEP 4

You decide what option to take out, and we will help you write the policy into Trust.s

Perks of Group Life Insurance.

Great for businesses with 3 or more employees

Reduce premiums by up to 49% due to tax deductions

No underwriting needed - everyone gets covered!

Severity of the condition

When you were first diagnosed with coarctation of the aorta

Your age

Whether your coarctation of the aorta has been treated surgically

Medications currently being taken

Family medical history

Whether you smoke

Any other related health complications such as heart disease

At The Insurance Surgery, we are leading specialists for putting people in touch with the best insurers when they are seeking to take out life insurance with a condition like coarctation of the aorta. We understand that every client’s condition and circumstances are different, and will help compare the market to find you the best life insurance providers and cover plans for your needs. Simply enter your details into one of our online forms for your free no-obligation life insurance quote.

Critical Illness Cover

Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.

You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.

If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.

Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.

Income Protection Insurance

If you are running or supporting a household with bills to pay, it’s a good idea to consider Income Protection Insurance.

This is especially important for anyone living with HIV who is self-employed and doesn’t have access to sick pay. Income Protection can reduce the stress of paying rent, mortgage or monthly bills.

Things you should know about group life cover.

All group Life insurance policies MUST be written into Trust with the business as the owner of the policy. Benefits will be paid into a Discretionary Trust directly to the employee’s family.

Is group life insurance the right policy for your needs:

No underwriting is needed, its quick and easy to set-up

Paid for and taken out by the company for employees

Pays out a tax-free cash lump sum on the death and critical illness of an employee

Maximum term to the 75th Birthday of an employee

Cover can be decreasing or level term

Following these considerations, an insurer will normally be able to inform you of the kind of policy you will be eligible for based on your circumstances.

Generally speaking, if you have coarctation of the aorta but your symptoms do not require treatment and you have never been in hospital for surgery as a result of your condition, you should be eligible for a ‘non-rated’ life insurance policy.

However, if you have had an angioplasty procedure to correct your condition, and you are suffering from symptoms in line with it, you may be considered a higher risk for life insurance, and could pay a higher premium than someone with no symptoms. An insurer will likely request medical records from your doctor to confirm your details and to offer you the best policy available.

At The Insurance Surgery, we have helped many people find the right coarctation of the aorta life insurance cover for their needs. Ratings for an individual seeking life insurance with coarctation of the aorta can vary depending on their individual circumstances, so it is important that you approach the right insurance provider that understands the nature of your condition.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

At The Insurance Surgery, we are specialist life insurance providers for those who have congenital heart defects like coarctation of the aorta. We can help compare the market to find you the right insurance providers that can meet your needs while understanding the nature of your condition.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How much does group life cover cost?

Requires a minimum of three employees to qualify. This option is ideal for businesses with multiple employees, offering a straightforward way to provide life insurance cover without any underwriting.

For a clearer idea of the average cost of life insurance, visit our Guide.

Case Study:

Construction company looking for group life for 50 employees.

Policy type: Lump sum benefit basis

Cover for: All 50 employees (all employees of the employer between the ages of 16 and the day before the State Pension Age. Entry is immediate upon commencement of employment).

Cover amount: £150,000 per member

Monthly premium: £250.39

Total Cover
Amount:

£150,000 per member

Monthly Premium
Cost:

£250.39

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Why Get Group Life Insurance?

Opting for Group Life Insurance without individual underwriting offers several significant benefits for both employers and employees:

Group life Benefits:

1. Easy Application Process.

Without the need for individual medical assessments, the application process is quick and easy. This allows employees to obtain cover, quickly without the hassle of undergoing medical questions.

2. Inclusive Cover.

Group policies generally offer cover to all eligible employees regardless of their health status. This ensures that employees who might otherwise be declined or face higher premiums due to pre-existing conditions can still receive life insurance.

3. Cost-Effective For Employers.

By avoiding individual underwriting, employers can often get lower monthly premiums. This can make group life insurance a more affordable option compared to individually underwritten policies.

4. Boosts Employee Retention.

Providing comprehensive benefits, including life insurance without individual underwriting, demonstrates that the employer values their workforce. This can enhance employee satisfaction, loyalty, and retention.

How to apply for group life insurance.

Applying for group life insurance couldn’t be easier, follow our 3 steps to protect you and your employees.

1

Contact us

Complete the contact form below.

2

Answer a few questions

We’ll call you to discuss your business needs.

3

Choose your cover

We’ll find cover to fit your needs and budget.

Start The Application Process Today.

Members of the PDG.

The Insurance Surgery are members of the Protection Distributors Group (PDG). The PDG aims to help people find the protection they need by encouraging insurers and intermediaries to deliver better consumer outcomes.

1. Easy Application Process.

Members of the BIBA.

The Insurance Surgery is a member of the British Insurance Brokers Association (BIBA), which represents and protects the best interests of our insurance broker and intermediary members and their customers.

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can a person with HIV get life insurance?

Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.

Does a HIV test affect life insurance?

Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.

Does life insurance cover HIV?

If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you.

The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.

Do you offer advice on travel insurance with HIV?

Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.

How Can The Insurance Surgery Help?

Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.

We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.

Life insurance is unique – just like you.

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For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Group Life Insurance

What is group life insurance?

Ideal for Small to Medium-Sized Businesses: Suitable for companies wanting to offer employee benefits.

Tax-Deductible: Employers can deduct the cost of premiums from their taxes.

Employee Retention: Enhances employee benefits, helping to retain staff by offering attractive company perks.

How Group Life Insurance Works

Perks of Group Life Insurance.

Great for businesses with 3 or more employees

Reduce premiums by up to 49% due to tax deductions

No underwriting needed - everyone gets covered!

Severity of the condition

When you were first diagnosed with coarctation of the aorta

Your age

Whether your coarctation of the aorta has been treated surgically

Medications currently being taken

Family medical history

Whether you smoke

Any other related health complications such as heart disease

Critical Illness Cover

Income Protection Insurance

Things you should know about group life cover.

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How much does group life cover cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Case Study:

Total Cover Amount:

£150,000 per member

Monthly Premium Cost:

£250.39

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Why Get Group Life Insurance?

Group life Benefits:

1. Easy Application Process.

2. Inclusive Cover.

3. Cost-Effective For Employers.

4. Boosts Employee Retention.

How to apply for group life insurance.

1

Contact us

2

Answer a few questions

3

Choose your cover

Start The Application Process Today.

Members of the PDG.

1. Easy Application Process.

Members of the BIBA.

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

Frequently Asked Questions

Life insurance is unique – just like you.

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies