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Occupational group life insurance (TGL)

Occupational group life insurance (TGL) is a coverage that applies to you automatically when you are employed, and your employer pays for your occupational pension.

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How Occupational group life insurance (TGL) works

  • In the event of your death, your closest family member(s) will receive a tax-free lump-sum which is issued in a single payment.
  • The size of the lump-sum depends on your age, and is a maximum of SEK 352,800. If you have children, a child supplement is also paid.
  • Occupational group life insurance (TGL) will apply from the month after your 18th birthday, at the earliest. This insurance continues to apply for as long as you remain employed by your current employer and work at least 8 hours per week, up until you turn 70, as a maximum.
  • On Mina sidor (My pages) you can see the Occupational group life insurance (TGL) you have with us.
  • TGL is paid for by your employer and does not affect the size of your own retirement pension.

Who receives the money

  • Firstly, your spouse or registered partner (not your cohabitant).
  • Secondly, your children (irrespective of their age), and then your parents.

If there is no designated beneficiary, we pay half the price base amount into your estate. This is sometimes referred to as a funeral grant.

You may write a special beneficiary clause if you wish to decide yourself who will benefit from your Occupational group life insurance (TGL).

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The amount paid out

Your age Price base amount* Basic benefit level in SEK (2024) Basic benefit level in SEK (2025)**
18-54 6 price base amount SEK 343,800 SEK 352,800
55  5,5 price base amount SEK 315,150 SEK 323,400
56  5 price base amount SEK 286,500 SEK 294,000
57  4,5 price base amount SEK 257,850 SEK 264,600
58  4 price base amount SEK 229,200 SEK 235,200
59  3,5 price base amount SEK 200,550 SEK 205,800
60  3 price base amount SEK 171,900 SEK 176,400
61  2,5 price base amount SEK 143,250 SEK 147,000
62  2 price base amount SEK 114,600 SEK 117,600
63  1,5 price base amount SEK 85,950 SEK 88,200
64-69  1 price base amount SEK 57,300 SEK 58,800

*The amount is calculated on the price base amount which applies when the death occurs.

**If, at the time of death, you have any children under the age of 17, the amount paid will be
SEK 352 800 regardless of how old you are. If you work for at least 8 hours but less than 16 hours per week, half of the TGL amount applies. If there is no designated beneficiary, we pay half the price base amount, which corresponds to SEK 29 400, into your estate.

If you have any children, a child supplement is also paid

The child supplement is paid to each child under the age of 20.

Child supplement

Child’s age Price base amount* Lump-sum payment in SEK (2024) Lump-sum payment in SEK (2025)
Up to 17 2 price base amount SEK 114,600 SEK 117,600
Between 17 and 19 1,5 price base amount SEK 85,950 SEK 88,200
Between 19 and 20 1 price base amount SEK 57,300 SEK 58,800

*The amount is calculated on the price base amount that applies when the death occurs.

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Spouse insurance

You and your children can receive benefits from your own occupational group life insurance if your spouse dies. This applies if:

  • your spouse does not have their own TGL, and
  • you have a child or children under the age of 17.

The spouse insurance pays out SEK 29,400 to you and
SEK 58,800 to each child.

How much does Occupational group life insurance (TGL) cost?

TGL is paid for by your employer and does not affect the size of your own retirement pension.