Group life insurance for globally mobile workforces: how IAL solves the problem

For companies with employees spread across Africa, the Middle East, Asia, and Europe, traditional group life insurance is a logistical and compliance headache. Different insurers per country. Different currencies. Different policy terms. Gaps in coverage when staff relocate. IAL's Group Life Plan eliminates all of it.

One structure. Global coverage.

IAL's Group Life Insurance is a single, unified structure that covers employees across all jurisdictions where your client operates - without requiring separate local policies in each country. Premiums are paid by the employer in USD from head office, simplifying cash flow and eliminating multi-currency complexity.

What the cover includes

• Life cover - lump sum benefit paid to nominated beneficiaries on death

• Permanent and temporary disability cover

• Critical illness cover

• Income protection (Permanent Health Insurance) - optional add-on

• Benefits payable in USD, EUR, or GBP - protecting against local currency devaluation

  
  

Globally portable - stays active when staff relocate

The IAL Group Life Plan is portable across countries. When an employee moves from Lagos to London or Nairobi to Dubai, their cover continues without interruption - no new applications, no new underwriting, no gaps. For multinationals, this is transformative.

The employer benefits

• Single policy, single premium payment - dramatically simplified administration

• Strengthens talent retention and recruitment positioning

• Benefit structures customisable by region, role, seniority, or grade

• 100% reinsured by AA+ rated global reinsurers - zero employer balance sheet risk

• FATCA and CRS compliant - no compliance burden for the employer

If you advise corporate clients with internationally distributed staff, IAL's Group Life Plan is worth a serious conversation. Contact us at online@ialpcc.com to discuss group scheme options.

---

International Assurance Limited PCC does not provide financial, investment, tax, or legal advice. All decisions should be made in consultation with appropriately qualified professional advisors, based on the client's individual circumstances, objectives, risk profile, and jurisdictional requirements.