Business insurance · Life insurance

Group life

A benefit for employees’ families on death or disability, an employment benefit at a uniform premium.

What it covers

Who is it for? For employers who want a protection benefit for their staff.

  • Death from any cause
  • Permanent total disability
  • Double benefit for accidents
  • No medical examination for groups
Final cover, limits and exclusions are set by your approved policy.

What the policy usually excludes

  • Suicide within the first year
  • Deliberate concealment of a material health condition
  • War and participation in criminal acts

What you need to apply

  • National ID and date of birth
  • Health declaration and a medical examination for large sums
  • Loan agreement for credit-life policies

When something happens

  1. Death certificate and medical reports
  2. Beneficiary documents or the bank’s letter
  3. The claim is settled once documents are complete

Get a quote for this product

Choose a product, leave your details, and an advisor comes back with your offer.

An Iraqi number such as 07701234567

How to buy

Instant issue applies within the limits underwriting approved; anything above goes to an underwriter and the decision comes back to you in your account.

  1. Choose the product and see the price

    Products sold online show their price at once from the approved tariff; for the others an advisor prepares the offer and contacts you.

  2. Answer the assessment questions

    Short questions about the risk. Anything within the instant limits is accepted on the spot; anything above is reviewed quickly by underwriting.

  3. Accept the contract and pay

    You read the contract in your language, accept it, then pay by card through a licensed payment gateway.

  4. Your policy in your account and inbox

    A digitally signed policy downloads at once and arrives by email, and anyone can verify it by QR code.

Common questions

What is term life insurance?

A fixed sum paid to beneficiaries if death occurs during the policy term, at a low premium and with no savings value.

Is a medical examination required?

For large sums or older ages, yes; for groups a health declaration is usually enough.

Group lifeGet a quote