Review the group profile
We review the number of employees, age profile, employee categories and the benefits the company wants to provide.
BUSINESS & EMPLOYEE INSURANCE
Group Life Insurance in Lebanon
Provide employees with life protection and long-term financial benefits, with cover structured around your workforce and the benefits your company wants to provide.
GROUP LIFE INSURANCE
What is group life insurance?
Group life insurance provides financial protection for employees and their beneficiaries through life, disability and other selected benefits. It can also include savings, retirement or other long-term financial benefits depending on the plan. We assess the workforce, compare suitable insurers in the Lebanese market and arrange the benefits around the company’s needs.
Who it is for
Companies, SMEs, institutions and other employers that want to provide employees with life and disability protection as part of their benefits package.
How can employee life benefits be structured?
The company can combine protection with longer-term financial benefits according to its workforce, objectives and budget.
Life & Disability Protection
Financial protection for employees and their beneficiaries in the event of death, disability or other covered events.
Savings & Investment
Long-term savings or investment benefits can be arranged to help employees build financial value while maintaining life protection.
Retirement & Pension
Structured retirement benefits can help employees build funds for later life while strengthening the company’s employee benefits package.
Education Protection
Education-focused benefits can help build funds for schooling or university costs, with additional protection available if death, disability or critical illness occurs.
Group Life Insurance and financial protection plans
Choose from protection, savings and long-term planning solutions designed for your employees' different financial needs and life stages.
Personal Accident Insurance
Provides financial compensation following an accident, including benefits for accidental death, permanent total or partial disability, and weekly income support during temporary total disability, with other benefits available depending on the plan.
Critical Illness Insurance
Provides financial compensation following diagnosis of a covered critical illness, helping cover lost income and other unexpected expenses during treatment and recovery, with benefits and conditions depending on the selected plan.
Refundable Life Insurance
Provides life protection during the policy term, with financial benefits in case of death or permanent total disability, while allowing the premiums paid to be returned at maturity if the insured outlives the term, subject to the selected plan.
Education Plan
Builds funds for your employees' children's future education through long-term savings and investments, while protection features can help keep the plan on track if death, permanent total disability or covered critical illness affects the person funding it, usually a parent.
Retirement Plan
Builds funds specifically for retirement through long-term contributions, with the option to receive the accumulated value as retirement capital or income, while protection benefits can help keep the plan on track if death or permanent total disability occurs.
Investment Plans
Provides long-term access to selected global investment funds through an insurance-based plan, allowing your employees to build and diversify savings according to their goals and risk profile. Investment values can increase or decrease depending on fund performance.
Group life insurance can protect employees and their families against the financial impact of death, disability and serious illness. Depending on the plan, additional benefits can also protect ongoing savings, retirement or education commitments.
What can group life insurance cover?
- Death from natural or accidental causes
- Additional accidental death benefit
- Permanent total disability
- Permanent partial disability
- Critical illness lump-sum benefit
- Terminal illness benefit
- Waiver of future premiums following certain covered events
- Continuation of planned savings, retirement or education contributions following certain covered events
- Education or schooling benefits following death, disability or critical illness
- Other life and disability benefits available under the selected plan
How Triple H helps
We structure the benefits and insured amounts around the company’s workforce and objectives, then compare suitable insurers in the Lebanese market by cover, definitions, limits, exclusions, underwriting and price before arranging the selected plan.
What to compare before choosing a group life plan
The right plan depends on the protection provided, how benefits are calculated and any savings, investment or retirement features included.
- The insurer’s reputation, financial strength and reliability
- Fixed benefits, salary multiples and benefit levels by employee class
- Death, disability and critical illness definitions and limits
- Employee eligibility, age limits and underwriting requirements
- Worldwide cover and territorial conditions
- Savings, investment and maturity benefits
- Retirement benefits and contribution structure
- Investment options, charges and whether returns are guaranteed or market-linked
- Education and other additional employee benefits
- Premium levels and how contributions may increase over time
- Exclusions and other policy terms and conditions
How we arrange your group life insurance
We define the protection and long-term benefits your company wants to provide, compare suitable insurers in Lebanon and arrange the selected plan.
Structure the benefits
We define the life, disability, critical illness and any savings, retirement or education benefits required for the group.
Compare suitable insurers
We approach suitable insurers in the Lebanese market and compare their cover, benefit structures, underwriting, exclusions, investment terms and price.
Arrange the plan
We explain the differences, negotiate with insurers where appropriate and arrange the selected group life plan for the company.
What to do when a life or disability claim occurs
Contact us as soon as possible. We coordinate the claim, required documents and insurer communication on behalf of the company, employee or beneficiary.
For death, disability or critical illness claims, we explain the documents required and help prepare the medical, employment and supporting information needed by the insurer.
We submit and follow the claim, handle insurer questions and work to secure the covered benefit due under the policy.
We remain involved until the claim is concluded and keep the company and beneficiary informed throughout.
Group Life Insurance FAQs
Answers to common questions about arranging and managing life, disability and long-term employee benefits.
Yes. We arrange employee additions and removals and update the plan with the insurer as the workforce changes.
Yes. Benefits can be structured by employee class, position, salary level or another agreed basis.
The insured amount can be a fixed benefit, a multiple of salary or another structure agreed between the company and insurer.
Before the policy is issued, each insured employee designates one or more beneficiaries. If a covered death occurs, the benefit is paid to the designated beneficiary or beneficiaries according to the policy terms.
Not always. Underwriting requirements depend on the insurer, group size, benefit amount, employee profile and plan structure.
Yes, depending on the countries involved and insurer terms. We compare the available territorial and international cover for the group.
Yes. Depending on the plan, the company can arrange savings, investment or retirement benefits alongside life and disability protection.
Depending on the plan, benefits may include guaranteed elements, market-linked returns or a combination of both. We explain the investment structure, charges, projected values and guarantees before the plan is arranged.
Yes. We can review the current benefits, insured amounts, underwriting, exclusions, investment features and cost, then compare suitable alternatives in the Lebanese market.
Yes. Passive war risk can be added as an additional benefit where available, providing protection for specified death or disability events related to war, subject to the insurer and policy terms.
Yes, depending on the country, employee location and insurer requirements. We can coordinate regional or international group arrangements for companies with employees or operations outside Lebanon.
Explore more business insurance
Protect your employees, property, vehicles, goods, liabilities and other business risks with insurance arranged around your operations.
Build stronger financial protection for your employees.
Tell us about your workforce and the benefits you want to provide. We’ll compare suitable insurers in the Lebanese market and arrange the group life plan that fits your company.
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