GTL insurance (group term life)

Income’s FlexCare term-life description includes death and a defined total-and-permanent-disability benefit. Eligibility and disability age limits need to be read separately.

Check the benefit amount, who receives payment under the policy arrangements, cover start and cessation rules, and any medical underwriting. Do not assume personal-policy nomination rules apply unchanged to an employer’s group contract.

If the benefit is salary-related, confirm which salary components count and when changes must be reported. Ask how linked critical-illness payments affect remaining cover.