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What is Group Term Life Insurance? Group term life insurance is a type of term insurance in which one contract is issued to cover multiple. Group term life insurance is a benefit frequently offered by employers for their employees. Serving individuals and families in 49 states and the District of Columbia. Group Terms Life Insurance/GTL is a pure Term Insurance policy that provides for financial assistance to its employees or their family members. Headquarters: Glenview, Illinois, United States. Group term life insurance policies (GTL) are issued to groups formed for purposes other than obtaining life insurance.