Canada Life Group Life Assurance –
Delivered by Pineapple Insurance Services
About Pineapple Insurance
At Pineapple Insurance Services, we design bespoke insurance solutions for both individuals and businesses. By partnering with top-tier insurers, we create protection plans that align with your values, budget, and goals. Our mission is simple: to provide trusted advice and deliver an outstanding level of service at every stage of your journey.
We help businesses offer meaningful protection to their employees and their families. One of our most sought-after solutions is Canada Life Group Life Assurance—a dependable, tax-efficient benefit that provides financial support when it matters most. As a partner of Canada Life, one of the UK’s most respected insurers, we make it easy to set up, manage, and maintain your scheme—whether you’re covering directors only or your entire workforce. Every policy is tailored, fully compliant, and designed to grow with your business.
Why Choose Group Life Assurance Through Pineapple?
When you choose Pineapple Insurance, you’re not just getting a policy—you’re gaining a partner. We take care of the setup, communications, and ongoing administration, so you can focus on your business.
Here’s why businesses trust Pineapple Insurance Services:
Onboarding
We manage the admin, scheme setup, and employee onboarding
Expertise
You benefit from our knowledge and Canada Life’s trusted protection
Team Tailored
We match the cover to your team’s structure and salary levels
Clear Clarity
We provide tools and guidance to help explain the benefit to staff
support
You’ll always have a dedicated point of contact for ongoing advice
What is Canada Life Group Life Assurance?
Canada Life Group Life Assurance is a policy arranged by an employer that pays a tax-free lump sum to an employee’s beneficiaries if they pass away while under the scheme. The benefit is typically based on a multiple of salary (e.g. 2x or 4x annual earnings) or a fixed amount, depending on your preferences.
Payouts are usually made via a discretionary trust, which allows flexibility in distribution and ensures the payment doesn’t form part of the employee’s estate—helping avoid inheritance tax and probate delays. Most employees are covered automatically, often without the need for medical underwriting.
Key Features We Help You Unlock
Working with Pineapple, your business can benefit from:
• Fully managed and tailored group life cover
• Fast claims support and guidance for your team
• Tax-deductible premiums for your business
• No benefit-in-kind implications for employees
• Access to added-value services such as bereavement counselling and legal helplines
• Flexible schemes that grow with your business
Financial Security for Families:
Group life assurance is a powerful way to support your staff and their families. The payout can help with day-to-day living costs, mortgage payments, childcare, and more—providing real peace of mind during the most challenging times.
Tax Advantages for Employers
Premiums are usually treated as an allowable business expense, helping reduce your corporation tax liability. And because there’s no taxable benefit-in-kind for employees, the cover is genuinely valued—without affecting their take-home pay.
Standalone Policies to Build a Complete Benefits Package
In addition to group life assurance, some businesses choose to offer separate standalone policies to strengthen their overall employee benefits package.
Group Income Protection (Separate Policy):
This pays a portion of salary if an employee is unable to work due to long-term illness or injury. It provides financial security and supports recovery with added rehabilitation services.
Critical Illness Cover (Separate Policy)
Critical illness cover provides a one-off lump sum if an employee is diagnosed with a serious health condition such as cancer, stroke, or heart attack. It can help fund medical treatment or provide breathing space during recovery.
These policies are not enhancements to group life insurance but can be arranged alongside it to offer a more comprehensive benefits suite.
Let’s Build a Plan That Works for You
At Pineapple Insurance Services, we make Canada Life Group Life Assurance simple, accessible, and tailored to your business. From the initial consultation to policy setup and ongoing management, we’re by your side every step of the way.
We’ll help you:
• Choose the right level of cover
• Decide who’s eligible (e.g. all staff or specific groups)
• Structure payments via discretionary trust
• Integrate other standalone policies as needed
• Communicate clearly with your team
At Pineapple Insurance, we craft tailored insurance solutions for businesses and individuals.
Our partnerships with leading insurers allow us to offer options that align with your values, backed by expert advice and exceptional service. We ensure all clients receive the most suitable plans from trusted providers within budget.
CLIENTS AND TESTIMONIALS
“Discussing healthcare benefits with Pineapple Insurance is always a positive experience. Their team combines expert knowledge with a personable approach, creating effective and budget-conscious solutions.”
