This is not quite correct. If you are a member of your Employer's Death in Service scheme, you are indeed covered for the stated multiple of salary if you die while still employed. Ordinarily, I you leave this employment you lose the benefit but there is one life company who will allow you to take the benefits you had with your employer, privately without having to disclose medical evidence - so if your health had suffered, you would be ok in terms of retaining life cover. This insurance company doesn't have to have been the holding company for the Employers DIS scheme either.