How to buy death in service insurance

Protect My People makes buying death in service insurance easy. Simply fill out our simple form and provide some basic details about your employees. We’ll send you quotes from our panel of death in service providers.

We’ll also send links to the providers' technical guides. Here you can review important information such as the product's benefits and risks. This aims to help you make an informed choice for your business.

Then all you need to do is choose the one that best suits your company’s needs. You can then let us know and we’ll contact your selected provider on your behalf.

We’ll then send you your chosen provider’s documents to fill in and return to us including:

  • A proposal form containing the information you have given us about your business.
  • A direct debit form if you have chosen to pay monthly. If you have chosen an annual payment, you'll receive the provider's BACs details.
  • A master trust deed of participation if you have decided to join your provider’s master trust. Or a copy of your own trust deed if you have set up a corporate trust.

It's important that you check the proposal form and confirm everything is correct. Inaccurate information could lead to your policy being cancelled or claims being rejected.

Once you’re happy everything is accurate, return the signed documents to us. We'll then confirm cover with your provider.

They will then be in touch with any relevant information about your policy.


How Protect My People can help you

Getting a quote for death in service insurance couldn't be simpler.

Protect My People will help you by:

  • Giving you the information you need to choose a policy that meets the needs of your company and staff.
  • Arranging your policy purchase with your selected provider.
  • Giving you access to a panel of death in service insurance providers in one place. This means you don't have to contact multiple providers individually.
  • Making the process as simple as we can. You will only need to give us your details once, and we will securely pass them on to our providers to get your quotes.
  • Being clear and transparent about the buying process.

How to get a death in service insurance quote

Fill out our secure online form with your business details. Then upload our Excel template with basic information about your employees. With your permission, your employee data will be passed on to the providers on our panel so they can give you quotes. We do this securely using encrypted network connections.

It's important that you answer all the questions on the form accurately and honestly. This way we can ensure you get accurate quotes that reflect your business needs.

Once the providers have returned quotes for your company, we will provide these to you by email. This is along with a summary and links to the providers' guides. You will be able to see the features and benefits of each quote. You can then compare and decide which one will best suit your business.

Our guides will help you learn more about death in service insurance, including:

You can take a look at our FAQ page to find answers to common questions asked about death in service insurance.

What do providers look at when providing a quote for death in service insurance?

Each provider will look at several factors when offering a quote for death in service cover. The higher the risk associated with an industry or job, the more they typically charge.

Some of the factors providers look at are:

  • The sector of industry a company works in. For example, a construction company may pay higher premiums than an office-based business. This is because the work undertaken on a construction site can be seen as higher risk.
  • The age of your employees. Insuring an older workforce can be more expensive as the risk to the provider may be increased.
  • Where your business is located.
  • The amount of cover you want for your employees.

Use our quick quote calculator to get an indication of what a business might pay.

Please note, the quotes you receive from our quick quote calculator are to give you a rough idea of costs. For more accurate quote bespoke to your business, you will need to complete our full online form.


What information will I need to provide to get a death in service insurance quote?

You will need to enter the following information into our online form:

  • Your company details, including your company number registered with Companies House. This will help providers to identify what industry your company is in.
  • Your employees' details, including job title, gender, date of birth, and salary. We don’t need names at this stage, so you can keep this information anonymous.

Once we have this information, we will send it to the providers on our panel. Most will return quotes within 48 hours, though some may not be able to return them this quickly. In these cases, we will send them to you as soon as we receive them and will provide a final quote summary in just a few days.

It's important that the information you give us is accurate and up to date. Providers may void your policy or reject a pay out if you give inaccurate or incomplete details.

Get death in service insurance quotes by clicking here and filling in our quote form.