In the event of your death

Tjänstegrupplivförsäkring (TGL)

Tjänstegrupplivförsäkring (TGL) is a group life insurance that provides a tax-free lump sump to your family in the event of your death before you retire.

The compensation from TGL is made up of three parts.

• Basic sum – paid to the surviving spouse, registered partner, cohabitant or children.
• Child supplement – paid to children who are below the age of 21.
• Funeral grant – paid to the estate.

If you want to change who is to receive the money, you can submit a notification to Afa Försäkring, a Swedish insurance company. In the event of your death, your relatives must apply for the compensation from Afa Försäkring.

Repayment cover

You can choose to add repayment cover. This cover means that your family receives the money you have earned into your occupational pension regardless of when you die.

Your spouse, registered partner or cohabitant will receive compensation from the repayment cover in the first instance. You children will receive the compensation in the second instance. If you wish, you can select a different recipient, but only from a limited group of people.

If you want to select or remove this cover, or make changes, log into Fora which administers your occupational pension and insurances.

Family cover

You can choose to add family cover. This cover means that your family receives money in the event of your death before reaching the age of 65. You choose the size of the amount they will receive and the length of time the payments will continue.

Your spouse, registered partner or cohabitant will receive compensation from the family cover in the first instance. You children will receive the compensation in the second instance. If you wish, you can select a different recipient, but only from a limited group of people.

If you want to select or remove this cover, or make changes, log into Fora which administers your occupational pension and insurances.

When you need to undergo a health check

You will occasionally have to fill in a health declaration in order to add out repayment cover or family cover:

• If you choose to add family cover or repayment cover later than the first selection opportunity.
• If you want to increase the amount or the period of time over which your family cover will be paid out.

If you get married, have children or become a cohabitant, you can add repayment cover without undergoing a health check. However, you must add it within one year following the event in question.