Legal & General Group Life Assurance –
Delivered by Pineapple Insurance Services
Why Choose Legal & General Group Life Assurance Through Pineapple?
Support
Dedicated support from your own account manager
Expertise
Expert guidance through set-up, renewal, and claims
Team Tailored
Integration of critical illness cover and group income protection
Clear Clarity
Support with employee communication and enrolment
Flexibility
Flexible policy structures including discretionary trusts
Many businesses choose to enhance their group life offering with:
1. Critical Illness Cover
This provides a tax-free lump sum to an employee if they’re diagnosed with a specified serious condition (such as cancer, stroke, or heart attack). It can help cover the cost of recovery, medical expenses, or time off work.
Adding critical illness cover shows your team that you’re serious about supporting them during life-changing events—not just after.
2. Group Income Protection
If an employee is unable to work due to long-term illness or injury, group income protection pays a portion of their salary after a deferred period. It supports financial stability and helps with a return-to-work plan through rehabilitation and wellbeing services.
Together, group life assurance, group income protection, and critical illness cover provide a robust and compassionate benefits package.
Legal & General: A Trusted Provider
Legal & General is one of the UK’s largest life insurers, with a long-standing reputation for reliability and excellent service. When you choose Legal & General through Pineapple, you’re choosing:
• A well-established name your employees will recognise
• Efficient and compassionate claims handling
• Scalable solutions as your business grows
• Access to added-value services like virtual GPs and wellbeing support
Supporting Your Team’s Wellbeing
Legal & General doesn’t just stop at financial cover. Their group protection products come with a suite of wellbeing support tools designed to promote healthier living and provide practical help when life gets tough.
These services may include:
• 24/7 employee assistance helplines
• Virtual GP appointments
• Mental health support and counselling
• Health checks and wellness resources
Group life assurance is a simple and effective way for employers to offer life cover to their workforce. If an insured employee dies while employed, the policy pays a lump sum to their beneficiaries—typically based on a multiple of their salary or a fixed amount.
This support can help the employee’s family cover immediate living costs, mortgage payments, funeral expenses, or long-term financial needs. It’s more than a benefit—it’s peace of mind at a time when it’s needed most.
What Does Group Life Assurance Include?
Legal & General’s group life assurance offers:
• A tax-free lump sum paid to an employee’s nominated beneficiaries or discretionary trust
• Cover based on a fixed amount or multiple of salary
• Easy onboarding with minimal medical underwriting
• Choice of scheme eligibility—cover all employees or selected groups
• Employer-paid premiums treated as a business expense and usually deductible against corporation tax
Employees receive life insurance protection as part of their employee benefits without any taxable benefit-in-kind implications.
Flexible and Scalable Group Life Solutions
Whether you’re a start-up with 10 employees or an established company with 300 staff, Pineapple Insurance Services can create a group life assurance scheme that fits your business perfectly.
We’ll guide you in deciding:
• Which employees to include (e.g. all staff, senior team, salaried workers only)
• The level of cover (e.g. 2x or 4x salary, or fixed amount)
• Payment structure and funding
• Integration with other benefits
• How to manage updates as your business changes
Tax Efficiency & Business Value
Offering group life assurance is not only a generous gesture—it’s also good business.
✔ Premiums are generally treated as a business expense
✔ No benefit-in-kind cost to your employees
✔ Claims are tax-free for recipients (when paid via trust)
✔ Enhances your employee benefits offering
✔ Supports recruitment, retention, and staff satisfaction
Why Work with Pineapple Insurance Services?
We’re a friendly, expert team that believes in doing things properly. You’ll also have peace of mind knowing we only work with providers who are authorised and regulated by the Financial Conduct Authority, like Legal & General.
When you work with Pineapple, you’re choosing:
Support
A single point of contact who knows your business
Expertise
Clear, practical advice with no jargon
Team Tailored
Full scheme management from launch to renewal
Clear Clarity
Tailored guidance for integrating multiple benefits
Flexibility
Support that goes far beyond a quote
If you’re ready to offer meaningful protection with Legal & General group life assurance, Pineapple Insurance Services is here to help. We’ll walk you through the process, customise the right solution for your team, and handle the paperwork so you don’t have to.
Get in touch today for a free consultation and quote. Let’s build your business a benefits package that truly looks after your people.
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.”
