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Citadel Insurance

Group Life Insurance

Making sure that employees have life insurance, and that your investments are covered for all eventualities makes good business sense.

Group Life

The Group Life insurance policy is tailor-made to cover a group of employees with the same employer, and provides a benefit for each policy member in the event of death in service. The benefits payable upon death of the employee may be extended as either a lump sum, or alternatively as a multiple of salary. No evidence of health is required for employees included in a Group policy, provided that certain criteria are met.

Group Life insurance packages can be arranged to include one or more of the following policies:

Level Term Life Insurance

Level Term Life Insurance provides a fixed amount of cover, known as the sum assured, that becomes payable if the death of the insured occurs within the term of the policy.

Options in addition to main benefits

Subject to certain exclusions and different premium levels, and depending on time and age limits, we also offer the following optional benefits in addition to the policy main benefits:

Accidental Death Benefit

offers payment of an additional death benefit to the beneficiary if death of the Life Insured occurs due to an accident.  A claim on this additional benefit terminates the policy.

Accidental Death and Dismemberment Benefit

offers payment of an additional benefit to the beneficiary if death or dismemberment of the Life Insured occurs due to an accident.  A claim on this additional benefit terminates the policy if the claim is made as a result of the death of the Life Insured but the policy continues in effect if the claim is made as a result of dismemberment of the Life Insured.

Permanent Total Disability

offers payment of an additional benefit which covers the  Life Insured in case of an injury which renders him/her unable to work in an own or any other occupation.  A claim on this additional benefit does not necessarily terminate the policy.

MultiPolicy Discount

Take advantage from our savings when opting to bundle your insurance policies. Benefit from our MultiPolicy Discount when you buy and renew more than one policy with us (subject to eligibility).

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Note: Life Protection plans only pay on death within the specific term of the policy, should the insured survive the duration of the policy, no benefits would be payable. These policies cannot be discontinued for cash or converted to a paid-up policy. The Perla Unit-Linked plans are life assurance policies which are tied to a number of funds. These funds and the income from them can go down as well as up and is not guaranteed, and the investor may not get back the amount originally invested especially if the plan is surrendered within 5 years from its commencement date. Past performance is not necessarily a guide to future performance. Changes in the rate of exchange of currencies, particularly where overseas securities are held, may also affect the value of your investment.

Casa Borgo, 26, Market Street, Floriana FRN 1082, Malta

Tel: (+356) 2557 9000

Freephone: 8007 2322


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Branches: Il-Mosta, In-Naxxar, Paola, Haz-Zebbug, Ta' Xbiex, Iz-Zejtun, Il-Mellieha, Victoria - Gozo

Citadel Insurance p.l.c. (Company registration number: C21550), is a company authorised under the Insurance Business Act, Cap. 403, to carry on general and long term business of insurance and is regulated by the MFSA. This website is targeted for risks situated in Malta.