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Understanding Your Life Assurance Coverage and Making Changes

Soundarya Iyer avatar
Written by Soundarya Iyer
Updated over 2 months ago

Your Active Life Assurance tile displays your current coverage level, which is calculated as a multiple of your salary. Here's what you need to know about your life assurance coverage and how to modify it.

Coverage Levels

  • Coverage can be increased up to a maximum as set by your policy

  • Changes are made in increments of 1x salary

When Can You Change Your Coverage?

You can modify your life assurance coverage during:

  • Initial Eligibility Window: When first joining the organisation, you can flex up to the maximum coverage level

  • Annual Renewal Window: During the yearly flex window, you can:

    • Increase coverage by 1x salary multiple

    • Maintain current coverage level

    • Decrease to any lower multiple (down to core level)

  • Qualifying Life Events: Changes can be made during the year for events such as:

    • Marriage

    • Divorce

    • Birth of a child

Important Note: If you decrease your coverage, future increases will be limited to 1x salary multiple at a time, whether during annual renewal or qualifying life events.

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