Ensuring Financial protection for your employees
We’ll safeguard the future for your employees and their families
Embrace Group life insurance
We know how essential it is to protect staff. We offer comprehensive solutions to help your company attract, maintain and protect your employees. No matter how complex or diverse your team is, we have a solution.
It is important for both employers and employees to have a plan for the unexpected. Our Embrace group life insurance plans offer financial protection and security for dependents, in the unfortunate event of the death of one of your staff. You can choose the benefit amount, basing it on a fixed sum or a percentage of your employee’s salary.
Enhanced international life insurance benefits
We work with companies all around the world, in many different sectors and industries. We know that your needs will vary, depending on your business and your employees, so we've designed a range of benefits you can add to your cover, giving you the flexibility to build the right plan for you and your team.
Accidental Dismemberment
Accidental Death
Short Term Disability
Long Term Disability
1. The material and substantial duties of their own occupation, and
2. Any suitable occupation (based on education, skills and experience)
Permanent Disability
Interested in learning more?
Life and Disability brochure
Company Benefit Guide
Guide to Medical Underwriting
Looking for a locally compliant solution for the UAE?
Check our Embrace Life and Disability plans for the UAE
Convenient Paperless Claims Experience
During the challenging time when a team member or their loved one is facing the reality of a life or disability claim, we understand the importance of providing compassionate support. Our paperless Life and Disability claims experience is simple and convenient, allowing you to focus on providing the necessary support.
Before you start a claim, make sure you have these documents for the insured employee readily available here:
- Pay slip
- ID, passport, or driver’s license
- Death certificate (for life claims)
- Policy or accident report (if it's an accident)
- Employer Disability Statement (for disability claims)
- Physician Disability Statement (for disability claims)
- Short description of occupation (for disability claims)
- Data Consent form signed by the insured employee (if HR or brokers is submitting the claim on behalf of the insured employee)
- Any additional medical information
Please ensure that certified copies of the documents are provided.
Why choose us?
Find out more
Frequently Asked Questions
How life insurance works?
Is there an age limit for life and disability cover?
For Accidental death, Accidental dismemberment Permanent, Short-term and Long-term disability, cover ends when the insured employee reaches the age of 65. If cover ends at a lower age, this will be specified in the Company Agreement.
What does the Accelerated death benefit cover?
What classifies as a terminal illness?
What is the benefit limit for Accidental death, Accidental Dismemberment and Permanent Disability insurance?
What is the benefit limit for short-term and long-term disability insurance?
Awards and Recognition
ITIJ Award Winner
ITIJ Award Winner
EFMA & Accenture Innovation in Insurance Awards Winner
EFMA & Accenture Innovation in Insurance Awards Winner
UK Health & Protection Award Win
UK Health & Protection Award Win