A great life insurance provided by your employer
The Occupational group life insurance is a life insurance provided by your employer, as an important supplement to the state survivor’s pension. If you were to pass away during your employment period, your family will receive a tax-free lump sum through the insurance.
- Tax-free lump sum
- You decide the beneficiary/beneficiaries
- Covers you at work and in your free time
The Occupational group life insurance, also known as TGL, is a simple and affordable standard insurance that covers the policyholder at work and outside of work. This cover is also provided by most Swedish employers, as an important supplement to the state survivor’s pension.
In the event of your death, your loved ones will receive a tax-free lump sum of up to six price base amounts. In most cases, your primary beneficiary is your spouse, cohabiting partner och civil partner.
If you have children under the age of 20 at the time of death, they will receive a child supplement equal to an additional two price base amounts per child.
A financial support for your loved ones at a time when life suddenly changes.
Basic Amount
We will pay out a tax-free lump sum, known as a basic amount, of up to six price base amounts in the event of your death.
- The amount gradually decreases after you turn 55 years of age.
- We pay half the amount if you work 8 to 16 hours [SC1] per week.
- The payment is primarily paid out to your spouse, cohabiting partner och civil partner, then to your children or grandchildren, and then to your parents.
- You can decide whom you would like as a beneficiary – and in what order – by contacting your intermediary to complete a special nomination of beneficiary form, and returning it to Euro Accident.
Child Supplement
If you have children under the age of 20 at the time of death, they will receive a child supplement equal to an additional two price base amounts per child.
Funeral Assistance
If you don’t have any beneficiaries, we provide funeral assistance by paying out half the price base amount to the estate in order to help with the funeral costs.
Spouse Insurance
Our Spouse Insurance pays you half the price base amount, and 1 price base amount for each child on the insurance, in the event your spouse, cohabiting partner or civil partner was to pass away without a TGL insurance.
Compensation paid out from the insurance policy is tax-free.
This insurance is purchased by companies for company employees. Speak to your employer to see if you have or can have the insurance.
The insurance lasts up until your contracted retirement age, but at most up until the month when you turn 70 years of age.
This insurance is purchased by companies for company employees. Speak to your employer to see if you have or can have the insurance.
In the event of your death, a relative must report the death by completing a certain insurance form.
Additional information on what relatives may need to think about in the event of a death can be found on efterlevandeguiden.se (in Swedish).
When the English version of a document does not exist, we link to the original Swedish version.
Pre-purchase information and conditions are a collective document for all occupational pension insurance.
The year indicates when the last change in conditions was implemented.
Pre purchase information Occupational group life insurance (TGL) 2024 Pdf, 144.5 kB.
Conditions Occupational group life insurance (TGL) 2024 Pdf, 233.5 kB.
Claim form pdf, Occupational group life (TGL) Pdf, 784.9 kB.
Claim form digital with BankID, Occupational group life (TGL)
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A great life insurance for all your co-workers
The Occupational group life insurance (TGL) is a great life insurance for all your co-workers and an important supplement to the state survivor’s pension, where the co-worker’s loved ones will receive a tax-free lump sum if the co-worker was to pass away during their employment period.
- Covers you at work and in your free time
- Simple and affordable
- A policy owned by the majority of people
- The co-worker can decide whom they would like as a beneficiary
The Occupational group life insurance, also known as TGL, is a simple and affordable standard insurance that covers the policyholder at work and outside of work. This cover is also provided by most Swedish employers, as an important supplement to the state survivor’s pension.
We will pay out a tax-free lump sum of up to six price base amounts in the event of a co-worker’s death. The payment is primarily paid out to the co-worker’s spouse, cohabiting partner or civil partner.
If the co-worker has children under the age of 20 at the time of death, they will receive a child supplement equal to an additional two price base amounts per child.
A financial support for loved ones at a time when life suddenly changes.
Basic Amount
We will pay out a tax-free lump sum, known as a basic amount, of up to six price base amounts in the event of a co-worker’s death.
- The amount gradually decreases after the co-worker turns 55 years of age.
- We pay half the amount if the co-worker works 8 to 16 hours per week.
- The payment is primarily paid out to the co-worker’s spouse, cohabiting partner or civil partner, then to the co-worker’s children or grandchildren, and then to the co-worker’s parents.
- The co-worker can change whom they would like as a beneficiary – and in what order – by contacting their intermediary to complete a special nomination of beneficiary form, and returning it to Euro Accident.
Child Supplement
If the co-worker has children under the age of 20 at the time of death, they will receive a child supplement equal to an additional two price base amounts per child.
Funeral Assistance
If you don’t have any beneficiaries, we provide funeral assistance by paying out half the price base amount to the estate in order to help with the funeral costs.
Spouse Insurance
Our Spouse Insurance pays the co-worker half the price base amount, and 1 price base amount for each child on the insurance, in the event the co-worker’s spouse, cohabiting partner or civil partner was to pass away without a TGL insurance.
Compensation paid out from the insurance policy is tax-free.
The insurance can be purchased by companies that are also purchasing or already have our Disability Insurance, Premium Waiver Insurance or Survivor’s Pension Insurance through PlanSjuk.
The company can insure co-workers that:
- are aged 18 up until the day they turn 65,
- are residing and registered in Sweden,
- are entitled to compensation from the Swedish Försäkringskassa, unless otherwise agreed,
- are in active employment at the time of purchase, and
- have a regular working schedule of at least 8 hours per week (calculated as a monthly average).
The insurance lasts up until the co-worker’s contracted retirement age, but at most up until the month when they turn 70 years of age.
You can buy our policies through an insurance intermediary.
Please contact your insurance intermediary if you would like to become a client, have a quote or buy one of our policies.
If you don’t have an insurance intermediary, you can either, find an insurance broker through sfm.se, the website for the Swedish Insurance Broker´s Association, or talk to your bank or life insurance company and ask if they distribute our policies.
In the event of a co-worker’s death, a relative must report the death by completing a certain insurance form.
Additional information on what relatives may need to think about in the event of a death can be found on efterlevandeguiden.se (in Swedish).
When the English version of a document does not exist, we link to the original Swedish version.
Pre-purchase information and conditions are a collective document for all occupational pension insurance.
The year indicates when the last change in conditions was implemented.
Pre purchase information Occupational pension insurance 2023 Pdf, 144.5 kB.
Conditions Occupational pension insurance 2023 Pdf, 233.5 kB.
I would like to purchase this insurance for my employees
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