Group Life Insurance (GLI) pays a lump-sum benefit — typically 3–5 times the employee’s annual salary — to named beneficiaries in the event of an employee’s death, whether during work hours or outside. Benefits often include: death benefit (lump sum), permanent total disability benefit, last expense / funeral benefit, and optional critical illness and personal accident riders. Mandatory in many sectors and Collective Bargaining Agreements (CBAs), non-compliance exposes employers to lawsuits, penalties, regulatory sanctions, and reputational damage. We structure, place, and manage GLI schemes for organisations of all sizes, and review beneficiary nominations annually to ensure families are properly protected.