Protecting your employees: the group insurance products AIG offers

For us, insurance is about more than financial security. We believe in helping your employees and their families to live their healthiest lives and supporting them when they need us most.

Our group protection products are available to all businesses of three employees or more. Read on to find out how our group life, income protection and critical illness cover can add value to your employee benefits package.

Group life insurance

Life insurance eases the financial pressures on an employee’s family at an extremely difficult time. Alongside financial support, we believe in providing the support services that families will value most.

We provide a bereavement helpline, specialist bereavement support for children through charity Winston’s Wish1, and a probate helpline for employees and their families.

We’ve designed our group life insurance to be as easy as possible for your business, whilst making your employee benefits package stand out. You’ll benefit from a simple set up process, quick and easy claims and ongoing support from our team of experts.

Group income protection

Group income protection. It’s for more than financial wellbeing. We support employees with their physical and mental health. And pay up to 80% of an employee’s salary if they’re unable to work.

Smart Health2 supports your employees from day one. It’s the perfect blend of services to help manage their health and wellbeing, whether that’s now or in the future.

When an employee is recuperating, the last thing they need to distract them is money worries. That’s where our financial protection can make a huge difference.

Group critical illness insurance

If an employee suffers from an illness covered by the policy, our group critical illness provides them with a tax-free lump sum benefit.

We’ve introduced grouped conditions – meaning our critical illness cover is simpler for employees to understand. You’ll still see conditions you’re familiar with, like heart attack, cancer, stroke and dementia, but now we’ve consolidated 27 illnesses under eight straightforward headings.

Smart Health

All employees insured through our group protection policies are able to access Smart Health at no extra cost.

Our Smart Health service is a convenient way to connect your employees to tools that help manage their health and wellbeing from anywhere in the world. From on-demand consultations with UK based GPs, to second medical opinions from global specialists. 24/7.


Find out more


If you’re an employer and want to find out more about setting up a policy for your employees, visit our guide to group protection.


If you’re an employee and want to know more about the benefits that come with your AIG Life cover, please visit our employees page.

1Winston's Wish is a national charity that is accessible to anyone regardless of an insurance policy. The service is available even if a policy ends.

2Smart Health is provided to AIG Life Limited customers by Teladoc Health. We want to let you know that these services are non-contractual, which means they don’t form part of the insurance contract with us. If our partnership with Teladoc Health ends, these services could be changed or withdrawn in the future.