Death in service

Death in Service is essentially insurance that pays a lump sum if the policyholder dies while still in employment.

Employers who offer this as a benefit would choose the provider and set the amount covered (sum assured), rather than it being linked to the employee’s personal circumstances. Typically, this might be four times salary.

Even so, where Death in Service is offered as part of the benefits package, a lump sum pay out would be of huge benefit to the bereaved family. Not all employers offer this type of benefit, so it’s worth checking if yours does. Company cover would also mean you don’t have to pay separately for private life cover – unless you have loans or dependents that mean you still have a shortfall.

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