Product
Group Life
Employer schemes from census upload to master policy, certificates and annual renewal.
Overview
One master policy is issued to the employer, and every employee becomes an insured member with a certificate. Benefit structures, census validation, scheme-level pricing and the employer's acceptance are all part of the flow.
Built for: Group-life and group family takaful teams working with corporate clients.
Benefit classes that match HR reality
Flat amount, grade or designation, length of service, or a multiple of salary, each with its own coverages.
Census upload with validation
Upload a CSV or XLSX, see row-level errors before anything is created, and reuse customers who already exist.
Group underwriting and scheme pricing
Members above the free cover limit go to the risk engine; the rest are priced as a scheme with a versioned quote.
Endorsements and renewal
Add, remove or change members mid-term with pro-rata premium, then renew the scheme each year from a refreshed census.
How it works
From first contact to issued policy
- Step 01
Create the scheme
Employer, master policy and Conventional or Takaful business type.
- Step 02
Define benefits and upload census
Benefit classes first, then the employee list, validated row by row.
- Step 03
Underwrite and quote
Group underwriting, then a corporate quote the employer can accept or revise.
- Step 04
Issue certificates
Master policy goes active and each member receives a certificate.
Example plans
Illustrative plan catalogue
Demo plans and indicative rates only. Each insurer configures its own catalogue and rate tables.
Group Term Life
- Term
- Annual
- Cover
- Up to 60 × monthly salary
Indicative contribution
Quoted per scheme
Group Family Takaful
- Term
- Annual
- Cover
- Flat or graded
Indicative contribution
Quoted per scheme
Accidental Death & Disability
- Term
- Annual
- Cover
- % of base cover
Indicative contribution
Quoted per scheme
Questions
About Group Life
What is the difference between an insured member, a dependent and a beneficiary?
They are separate records. One person can hold several roles, but a dependent is covered only if listed on the policy schedule, never just because they were named as a nominee.
What happens if an employee already holds an individual policy?
The census reuses the existing customer, so one person can be an individual policyholder and a group member at the same time.
See the full journey on demo data
We will walk you through a lead becoming a policy and a claim, with the copilot driving where it helps.