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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 between 18 and 64 years of age
  • live and are registered as residents in the Nordic region (excluding Iceland)
  • have a right to claim benefits from the Swedish Social Insurance Agency or a Nordic equivalent (excl. Iceland).
  • have full working-capability
  • have a regular working week of a minimum 8 hours per week (on average per month).

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.seexternal link, 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.seexternal link (in Swedish).

I would like to purchase this insurance for my employees

You purchase our insurance through insurance intermediaries.

Contact
your intermediary when you want to become a customer, get a quote or purchase
insurance from us.

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