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Group Life Assurance – White Gold Global
Protect your entire team and your company with cost-effective, tax-efficient Group Life Assurance from White Gold Global.
A single master policy that provides a substantial tax-free lump sum to the families of any employee who dies (or becomes critically/terminally ill) while in service — often extended to include permanent disability benefits.
Widely regarded as one of the most valued employee benefits worldwide, yet surprisingly inexpensive for employers.
Core Benefits at a Glance
| Feature | Standard Benefit | Typical Cost to Employer |
|---|---|---|
| Life Cover | 2×–6× annual salary (death in service) | 0.3%–0.9% of total payroll |
| Critical Illness (optional) | Additional lump sum or accelerated payout | +0.2%–0.4% |
| Permanent Total Disability | Full or partial payout | +0.1%–0.3% |
| Spouse & Child Cover (optional) | USD 10,000–100,000 per dependant | Minimal add-on |
| Free Cover Limit | Up to USD 1–2 million without medicals | No extra cost |
Premiums are 100% tax-deductible as a legitimate business expense in most jurisdictions (UK, UAE, Singapore, Hong Kong, Cayman, BVI, Malta, Gibraltar, etc.).
Who Needs Group Life Assurance
- Companies with 5+ employees (no upper limit)
- Startups and scale-ups attracting top talent
- Professional services firms (law, accounting, consulting, medical)
- International groups with staff in multiple jurisdictions
- Businesses preparing for PE/VC investment or exit (investors love seeing proper employee protection in place)
Sample Annual Cost (50-employee company, average salary USD 85,000, 4× salary cover)
| Total Death-in-Service Cover | Annual Premium (approx.) | Cost per Employee per Month |
|---|---|---|
| USD 17 million | USD 38,000 – 52,000 | USD 63 – 87 |
Often cheaper than providing one extra day of annual leave.
Implementation in 3 Simple Steps
- Send us your latest payroll list (takes 5 minutes)
- Receive competitive quotations from 3–5 A-rated global insurers within 24 hours
- Choose your provider → we handle all paperwork, trust setup, and employee communication packs
Give your team the security they deserve — and your company the protection it needs.
White Gold Global – Because Your People Are Your Greatest Asset.