Group life insurance for state employees

About the group life insurance

Group life insurance offers compensation to your surviving relatives as a one-time payment in case of your death, regardless of cause. The insurance is a part of your salary conditions and valid all year, around the clock.

Conditions and coverage of the group life insurance 

• You are included in the group life insurance as long as you are actively working.
• Your employer must have group life insurance in the Norwegian Public Service Pension Fund (SPK).
• Your employer must be part of the Basic Collective Agreement for the Civil Service, also called The Basic Agreement.
• Through your collective wages agreement and your salary conditions, your spouse, partner, cohabitant and/or children are guaranteed a one-time payment should you die.
• Your cohabitant receives compensation if you have shared an address for two years, or live together with common children.
• You are also insured when you are on paid sick leave or on tariff agreed parental leave.
• You are covered for up to one year's unpaid leave, should you not have other paid work or have started your own business.
• If you receive full disability pension from SPK, you are covered by the group life insurance for two years after your disability pension started
• When you start recieving contractual early pension (AFP) or retirement pension, the group life insurance is no longer valid.
• The insurance is valid arund the clock
• Compensation is made without regard to the cause of death.

Compensation

• Spouse, registered partner or cohabitant receives a one-time payment equivalent to 14 times the National Insurance Scheme's basic amount (G). One "G" equals 111 477 Norwegian kroner as per May 2022. 
• Children under the age of 25 receive an amount of 5 G. In case of no surviving spouse, partner or cohabitant, payment to each eligible child increases to 7 G.
• Your estate receives 4 G if there are no surviving relatives to claim compensation.
• The amounts above are valid from 1st May 2022.

Not necessary to apply

The employer or the authoritities will send a notification of death to us, whereafter an insurance case will be automatically registered. Any registered dependants will be contacted by us.

Ask your employer about insurance schemes

Please ask your employer about more information on your group life insurance coverage.