Families of public sector employees who are members of Superannuation typically enjoy a reasonable level of life cover protection. There is a death in service benefit up to 1.5 times salary in the event of death in service. In addition the majority of Public Sector workers are now members of the Spouses & Children’s scheme which provides an ongoing annual pension should a member die in service or indeed in retirement.

Additional Life Cover is however often necessary for certain groups of members such as:

• Members with young families
• Those with mortgages or loans
• Where a partner works within the home
• Where a partner does not have independent or employment related cover
•  Those not in the Spouses and Children’s scheme
•  Those not in Superannuation 

A Group Life Cover Scheme is often relatively low cost to put in place but very well regarded by members.