Which Corporate Insurance Products Does Your Business Need?
Group Life Insurance
Cover all employees with one policy. Employee beneficiaries receive lump sum if employee dies. Tax-deductible for business. Discounts of 20–40% vs. individual policies.
Keyman Insurance
Protect your business from loss if a critical executive or founder dies. Policy proceeds go to the business to cover losses, find a replacement, or pay debts.
Fringe Benefit Insurance
Offer employees premium benefits: health insurance, accident coverage, education assistance. Fully tax-deductible for company, non-taxable to employees (up to limits).
Personal Accident (Group)
Group personal accident coverage for all employees. Covers accidental death, disability, medical expenses from accidents. Critical for high-risk industries.
Why Do Philippine Businesses Need Corporate Insurance?
Tax Deductible
All corporate insurance premiums are 100% deductible from your business income taxes. Reduce your tax liability while protecting your team.
Attract & Retain Talent
Employees value group insurance benefits. Offering coverage shows you care about their security and attracts better talent than competitors.
Significant Group Discounts
Groups of 10+ employees qualify for 20–40% discounts compared to individual coverage — making protection more affordable for everyone.
Business Continuity
Keyman and business insurance ensure your company survives unexpected loss of critical people. Protect years of business building.
How Does Corporate Insurance Work in the Philippines?
Company Assessment
Crux advisors evaluate your company size, industry, employee demographics, and risk profile.
Plan Design
We recommend the right mix of group life, Keyman, fringe benefits, and accident coverage tailored to your business.
Employee Enrollment
Employees complete health questionnaires and opt-in via online portal. We handle all paperwork.
Policy Issuance
A master policy is issued to your company, and employee certificates go to each team member.
Ongoing Support
Crux manages claims, renews benefits annually, handles employee changes, and provides year-round support.
Corporate Insurance FAQ
What is the minimum company size for group insurance?
Most insurers require a minimum of 5–10 employees for group coverage. Smaller companies can sometimes get group rates if the business owner is included. Crux can find options for your company size.
What is the minimum company size for group insurance?
Most insurers require a minimum of 5–10 employees for group coverage. Smaller companies can sometimes get group rates if the business owner is included. Crux can find options for your company size.
Can employees decline group insurance?
Yes, group insurance is typically voluntary. Employees can opt-in or out. However, opting in gets them the group discount, making individual coverage much more affordable.
Who pays group insurance premiums — employer or employee?
Usually split. The employer pays 50–100% of premiums (which is tax-deductible). Some employers have employees contribute via payroll deduction to share costs. Crux helps structure this fairly.
What happens to group insurance if an employee leaves?
The employee's coverage ends when they leave. Some policies allow continued individual coverage (portable) at higher rates. The remaining group stays covered. Crux manages all enrollment changes.
Build a Stronger, More Secure Business
Protect your team. Reduce taxes. Attract talent. Castle Peak Hotel, Cebu City.