Lutine

Group Life Insurance

Lutine are proud to offer Group Life Insurance to SME’s across the UK

We have over 30 years’ experience in providing Life Insurance protection to businesses and understand what this benefit means to individuals’ benefactors in their time of need. Our team of experts aim to pay claims promptly, to support loved ones and make things as fuss-free as possible.

Lutine Logo

What is Group Life Cover?

Group Life Assurance, Insurance or Death in Service cover, is an employee benefit paid for by the individual’s employer, which provides a lump sum payment to an employee’s loved ones, should they die in service, providing financial support at an extremely difficult time.


Group Life Assurance

Benefits Available 

  • Quotes available on a multiple of salary or fixed benefit basis. E.g. 2 x Salary, 4 x Salary, £100,000 Flat Benefit, £25,000 Flat Benefit

Scheme size

  • 3 Lives Minimum, No Maximum

Policy Cease Age 

  • Up to a maximum of 75 years of age available

Payment Frequency 

  • Annual or Monthly Premium payment

Free Cover Limit

  • £500,000 minimum free cover limit (the amount of cover each individual member can have before medical evidence/ underwriting is required)
Family walking in woodland

Additional Information

  • Registered and Excepted schemes available

  • Broker Commission available: up to 30%

  • Target Market: SME’s across a range of specialist sectors including Construction, Leisure, Agriculture and Marine


Employee Assistance Programme

Its not only financial support we provide, employees are able to benefit from a range of lifestyle assistance services, designed to support members with an early source of practical and emotional support for those facing issues in their home or work life.

Call agent smiling whilst helping customers

Telephone counselling support

24/7 access to Citizen Advice trained specialists, providing support for a range of issues such as: Emotional problems, Medical matters, Relationship difficulties, Bereavement, Family difficulties, Anxiety, Stress, Debt and financial and Legal advice.

Face-to-face counselling

Speak in confidence, to a local and fully-qualified counsellor, if required. All counsellors are accredited by the British Association for Counselling and Psychotherapy (BACP) and all information is treated in the strictest of confidence.

Online Support

Access to an online platform providing a wide range of ‘self-help’ work books to support with personal, family or work related issues, such as: Depression, Anxiety, Post Traumatic Stress, Bereavement, Stress, Domestic abuse or Eating disorders.

Important Resources

If you’re interested in applying this employee benefit, please complete our application form

Group Life Application Form

Download our Members Declaration form here 

Group Life Member Declaration

Contact Us

Here at Lutine we endeavour to reply to all enquiries as quickly as possible; to help us to ensure that your enquiry is routed to the right place, please provide us with as much information as possible.

If you’d like to discuss Group Life Insurance, please call us on 0344 854 2074 or email GroupLifeSupport@lutine.com 

Individual Life (Queries) – enquiries@lutine.com

Group Life (New business & Queries) – customerservices@lutine.com

Broker Enquiries – brokersupport@lutine.com

If you need to make a claim:

The Grantee should initially notify either the Financial Adviser through whom the contract was effected, or Geo Underwriting Services Limited

by telephone on 0344 854 2074,

by email customerservices@lutine.com or

by post at the following address: Geo Underwriting Services Limited, Ardonagh, 6-8 Bonhill Street, London, EC2A 4BX

A range of Group Life protection policies

Take a look at the range of products offered by our Life Insurance team. 

A range of Group Life protection policies

Group Life Insurance

View products Click here to Lutine

For employers wishing to help protect their employee's loved ones in the event of their death.

A range of Group Life protection policies

Shareholder / Partnership Protection

View products Click here to Shareholder / Partnership Protection

Group Shareholder/Partnership Protection cover designed to help protect businesses against the impact of the death of a Shareholder or Partner.

A range of Group Life protection policies

Key Person Cover

View products Click here to Key Person Protection

Protection to help businesses against the impact of the death of their most integral employees.