100%in place
100% of organisations in the lumi HR community have life assurance cover (main population) in place (base: 237 UK organisations, 2026 H1).
Figures describe organisations in the lumi HR community, not a random sample of UK employers.
How UK organisations answered
| Answer | Share of organisations |
|---|---|
| 1× | 6.8% |
| 2× | 50.6% |
| 3× | 23.2% |
| 4× or more | 19.4% |
Definition
The death-in-service life assurance sum for most employees, as a multiple of salary. See the methodology for how the base is built, how not-applicable answers are handled, the public floor, and which organisations are excluded.
For context, CIPD Reward Survey: Focus on Employee Benefits reports 62% (base: large 250+ vs all).
Read more
- Group risk benefits: UK benchmark 2026: the research paper this question is analysed in, with the full distribution, the legal context and what it means for reward decisions.
- Health & protection: research, guides and metrics: everything lumi publishes in this area.
Cite this figure
Last updated 19 September 2026 · Data licence: CC BY 4.0 for the figures in the CSV download.
Source: lumi HR, UK Reward Metrics, September 2026, lumihr.co.uk/metrics/life-assurance-cover-main-populationLast updated 19 September 2026 · Data licence: CC BY 4.0 for the figures in the CSV download.
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