Because no two businesses—or their people—are the same.
One Policy Doesn’t Fit All- And That’s a Good Thing
When it comes to international group life insurance, “standard” just doesn’t cut it. Your team isn’t off-the-shelf, so why should their cover be?
At Clarity Employee Benefits, we work with companies around the world—across shipping, oil and gas, construction, finance, hospitality, and more—helping them build group life insurance plans that actually fit.
Whether your crew is scattered across continents or operating in high-risk zones, we tailor your policy to suit your people, your risk profile, and your budget.
Why Customisation Matters
Let’s break it down. Here’s what “customised” really means for your business:
✔️ Cover That Matches Your Risk
A crew working offshore? Or a global sales team flying in and out of hotspots? Your people face different risks—and we build your plan around them.
✔️ Benefits That Make Sense
From death-in-service payouts to accidental death and disability add-ons, we help you choose benefits that reflect your team’s needs and lifestyles.
✔️ Local Compliance, Global Coverage
Every country has different rules around life insurance and employee benefits. We make sure your cover ticks all the boxes, no matter where your people are.
✔️ Scalable to Team Size
Whether you’ve got 5 key employees or 500 global contractors, your plan scales with you- no unnecessary bells, no missing whistles.
Industries We Work With
Customisation is our jam, and we’ve done it across:
- Yachting & Maritime
- Oil & Gas
- Remote Construction & Engineering
- International NGOs & Aid Organisations
- Tech & Finance Startups Expanding Globally
- Cruise Lines & Hospitality
Each has different needs, and we’ve covered them all-from salary-based benefit structures to location-based risk tiers.
FAQ: Customised International Group Life Insurance
How much life insurance should each employee receive?
It depends on the structure you choose. Typically, companies offer cover based on:
- A multiple of the employee’s annual salary (e.g., 2x or 3x)
- A fixed lump sum
- Roles and risk exposure
We’ll help you figure out what makes the most sense for your setup.
How many employees do I need to qualify for group life cover?
Usually, international group life insurance starts with at least 3 to 5 employees. But again, this depends on the insurer and the structure. Small team? We can still make it work.
What are the common exclusions or limitations?
While we keep things as flexible as possible, insurers often exclude:
- Death from pre-existing conditions (within a certain waiting period)
- Death due to war, terrorism, or unlawful activity
- Suicide (within the first 12 or 24 months)
We’ll walk you through the fine print—no nasty surprises.
Why Work With Us?
We’re not just ticking a box. We’re building cover that brings peace of mind to your employees and positions your company as a standout employer. We keep things simple, speedy, and seriously efficient—so you can focus on what matters.
Our Promise:
- Human-first advice.
- Fast quotes and faster support.
- Coverage that makes you- and your employees-feel secure.
Ready to Customise? Let’s Talk.
Whether you’re starting from scratch or rethinking your current benefits, we’re here to help you build a group life insurance plan that reflects your reality- not someone else’s template.
Reach out today—let’s create something that fits.
Clarity Employee Benefits is an authorised Financial Services Provider (FSP No. 51007). We’re ready to provide you with expert group life insurance guidance and advice.
