UK reward metrics · Health & Protection

What percentage of UK organisations have life assurance cover (main population) in place?

Source lumi HRBase 237 organisationsFieldwork 2026 H1

100%in place

100% of organisations in the lumi HR community have life assurance cover (main population) in place; a further 0% have it partly in place (base: 237 UK organisations, 2026 H1).

Figures describe organisations in the lumi HR community, not a random sample of UK employers.

How the base splits

In place 100% Partly in place 0% Not in place 0%
Share of the 237 organisations assessed, 2026 H1. Organisations answering not applicable or don’t know are excluded from the base.

What organisations answered

Life assurance cover (main population): share of organisations by answer
AnswerShare of organisations
1×6.8%
2×50.6%
3×23.2%
4× or more19.4%

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).

Cite this figure
Source: lumi HR, UK Reward Metrics, September 2026, lumihr.co.uk/metrics/life-assurance-cover-main-population
Last updated 19 September 2026 · Data licence: CC BY 4.0 for the figures in the CSV download.

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