Empower Your Workforce with Financial Protection, Higher Employee Retention, and Tax-Efficient Corporate Coverage. Your workforce is your greatest asset. Ensuring their families are financially protected during unexpected life events is not just good policy—it's good business.
Group Term Life Insurance (GTLI) allows companies, MSMEs, startups, and institutions to extend substantial life insurance coverage to their employees at a fraction of individual policy costs.
At FInvesTree, we help employers design, structure, and deploy tailored corporate Group Term Life Insurance plans that boost employee loyalty, provide high financial assurance, and align with your enterprise budget.
A strong employee benefit ecosystem attracts top talent and enhances workplace loyalty. Group Term Life Insurance delivers exceptional value for both employers and employees:
Beyond standard natural and accidental death benefits, FInvesTree helps you integrate high-value riders into your master policy:
| Rider / Plan Feature | What It Covers | Value Delivered |
|---|---|---|
| Basic Life Cover | Lump-sum payout to nominee upon death of employee due to illness or accident. | Core financial backup for dependent families |
| Accidental Death Benefit (ADB) | Additional double sum-assured payout if death occurs due to an accident. | Enhanced safety net for operational or field teams |
| Permanent Total / Partial Disability (PTD/PPD) | Lump-sum financial relief if an accident renders an employee permanently unable to work. | Financial support for disability & income loss |
| Critical Illness Rider | Accelerated lump-sum payout upon diagnosis of covered major illnesses (cancer, stroke, kidney failure). | Medical treatment fund assistance |
| Terminal Illness Benefit | Early payout of sum assured if an employee is diagnosed with a terminal illness. | Immediate relief during difficult times |
Coverage automatically scales with employee compensation growth (e.g., 2x to 5x Annual CTC).
Categorize coverage based on organizational hierarchies (e.g., Executives, Managers, Directors).
Equal lump-sum cover for all team members (ideal for startups and small-to-medium teams).
Allow employees to purchase additional sum assured at discounted corporate rates at their own expense.
To maintain policy clarity:
Partner with FInvesTree to design a tax-efficient, high-impact Group Term Life Insurance policy for your team:
