The loss of lives of employees/staff of any organization can result in a large financial liability. Group term life insurance provides a valuable solution for the mitigation of this risk. Group term life insurance schemes can also aid in funding the gratuity liability of the employer. Complemented by customized solutions, administrative ease and tax exemption, this solution provides for a win-win situation for both employers and employees.

Given the large risk covered by group term life plans, the right coverage and pricing are important. At Anand Rathi Insurance Brokers Limited (ARIBL), we cater to employer-employee groups, non-employer-employee groups, banks, professional groups, non-banking financial institutions and microfinance institutions regarding the term life cover. We bring industry expertise and strong insurer relations along with client-centric servicing principles for our customers. The services we offer are broad and cover advisory, placement, as well as claims support.

Our Offerings

Life risk consulting

Get the right coverage on annual basis through a master policy covering the entire group. Our team has vast experience in providing policies that are beneficial to both the employer and the employee. Our consulting services include:

  • Market trends, benchmark
  • Coverage design
  • Ensuring contract certainty

Policy placement

Group term life insurance has many attractive features including easy application process, pre-decided sum assured payment, flexibility to add members at any point of the year, multiple options and greater cost-effectiveness compared to individual policies. Get coverage for all members contingent on basic conditions of insurability without the need for medical reports. For a minimum group size of 50 members, our placement team provides coverage for:

  • Group term life base cover
  • Options to choose from uniform or graded cover
  • Add-on covers for outstanding housing loans, car loans etc.
  • Riders like critical illness benefits, accidental benefits, disability benefits etc.
  • Terminal illness cover
  • Group term life supplemental cover
  • Group term life spouse & child cover
  • Group term life funds/schemes

Claims management

Term life claims may be paid as a lumpsum or could be linked to a salary account or loan account. Whatever may be the coverage or payment options, our team is here to make the experience seamless for your employees.

We offer


Establish a financially secure future

Individual Term Life

Protect your family through term life cover


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