{"id":18336,"date":"2021-09-02T12:05:44","date_gmt":"2021-09-02T12:05:44","guid":{"rendered":"https:\/\/insuropedia.in?p=18336"},"modified":"2026-01-09T10:10:25","modified_gmt":"2026-01-09T10:10:25","slug":"how-to-reduce-your-rate-for-gpa-if-you-already-have-a-gtl-cover","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/how-to-reduce-your-rate-for-gpa-if-you-already-have-a-gtl-cover\/","title":{"rendered":"How to reduce your rate for GPA, if you already have a GTL cover?"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><h2 aria-level=\"2\"><b><span data-contrast=\"auto\">Overview<\/span><\/b><\/h2>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"27\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">GPA<\/span><\/b><span data-contrast=\"auto\"> (Group Personal Accident) and <\/span><b><span data-contrast=\"auto\">GTL<\/span><\/b><span data-contrast=\"auto\"> (Group Term Life) are both fixed-benefit group insurance policies offered by employers: GPA covers accidental death\/disability; GTL covers death due to any cause\u202f.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"27\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">If employees are covered under both GPA and GTL, <\/span><b><span data-contrast=\"auto\">accidental death claims will trigger both policies<\/span><\/b><span data-contrast=\"auto\">, but <\/span><b><span data-contrast=\"auto\">natural death claims trigger only GTL<\/span><\/b><span data-contrast=\"auto\">\u202f<\/span><a href=\"https:\/\/securenow.in\/insuropedia\/how-to-reduce-your-rate-for-gpa-if-you-already-have-a-gtl-cover\/?utm_source=chatgpt.com\"><span data-contrast=\"none\">1<\/span><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"27\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">To avoid redundant coverage, companies can <\/span><b><span data-contrast=\"auto\">remove the accidental death benefit from the GPA<\/span><\/b><span data-contrast=\"auto\">, relying instead on the GTL policy for that risk. This optional benefit withdrawal can <\/span><b><span data-contrast=\"auto\">cut GPA premiums by approximately 25\u201340%<\/span><\/b><span data-contrast=\"auto\">\u202f.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"27\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">GPA remains valuable for covering <\/span><b><span data-contrast=\"auto\">disability (PTD, PPD, TTD)<\/span><\/b><span data-contrast=\"auto\"> and <\/span><b><span data-contrast=\"auto\">add-on options<\/span><\/b><span data-contrast=\"auto\"> like Accidental Medical Expense (AME), education benefits, mobility aids, and funeral expenses\u2014not covered by GTL\u202f.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"27\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Bottom line:<\/span><\/b><span data-contrast=\"auto\"> By removing overlapping AD benefits in GPA, companies retain essential accident coverage while significantly reducing premium costs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p>GPA policy and GTL policy offer accidental and life coverage respectively. Both are fixed benefit policies that provide financial security to the employee\u2019s family upon the employee&#8217;s death.<\/p>\n<h3>Coverage for GPA and GTL are as under &#8211;<\/h3>\n<table style=\"height: 465px;\" width=\"799\">\n<tbody>\n<tr>\n<td width=\"247\"><strong><b>Group Personal Accident<\/b><\/strong><\/td>\n<td width=\"247\"><strong><b>Group Term Life<\/b><\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"247\">1. Accidental Death (AD)<\/td>\n<td width=\"247\">1. Death (Natural &amp; Accidental)<\/td>\n<\/tr>\n<tr>\n<td width=\"247\">2. Permanent Total Disability (PTD)<\/td>\n<td width=\"247\"><\/td>\n<\/tr>\n<tr>\n<td width=\"247\">3. Permanent Partial Disability (PPD)<\/td>\n<td width=\"247\"><\/td>\n<\/tr>\n<tr>\n<td width=\"247\">4. Temporary Total Disablement (TTD)<\/td>\n<td width=\"247\"><\/td>\n<\/tr>\n<tr>\n<td width=\"247\"><\/td>\n<td width=\"247\"><\/td>\n<\/tr>\n<tr>\n<td width=\"247\"><strong><b>Add-ons<\/b><\/strong><\/td>\n<td width=\"247\"><strong><b>Add-ons<\/b><\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"247\">1. Accidental Medical Expenses (AME)<\/td>\n<td width=\"247\">1. Terminal Illness<\/td>\n<\/tr>\n<tr>\n<td width=\"247\">2. Children Education Benefit<\/td>\n<td width=\"247\">2. Critical Illness Rider (CI)<\/td>\n<\/tr>\n<tr>\n<td width=\"247\">3. Mobility Extension<\/td>\n<td width=\"247\">3. Accidental Death Benefit Rider (ADB)<\/td>\n<\/tr>\n<tr>\n<td width=\"247\">4. Last Rites Expenses<\/td>\n<td width=\"247\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a href=\"https:\/\/securenow.in\/group-insurance\/group-personal-accident-insurance\">GPA policy<\/a> covers only accidental death, however, the scope of <a href=\"https:\/\/securenow.in\/group-insurance\/group-term-life-insurance\">GTL policy<\/a> is broader to cover both usual and accidental death. For example &#8211; If an employee is covered under both GPA and GTL insurance, upon his\/her death due to an accident both policies will trigger however in the case of natural death only GTL will trigger.<\/p>\n<p><strong>Additional Read:<\/strong> <a href=\"https:\/\/securenow.in\/insuropedia\/what-are-different-types-disabilities-covered-group-personal-accident-plan\/\">What are the different types of Disabilities covered under a Group Personal Accident Plan?<\/a><\/p>\n<p>Since both policies are tailor-made, i.e. a corporate can select the benefit structure for its group policy. In case the corporate decides to remove the dual coverage for accidental death, he\/she can opt out of the unexpected death benefit from the GPA policy. The accidental death benefit is a critical policy benefit, removing this benefit leads to significant savings (approximately 25%-40%) in the cost of the <a href=\"https:\/\/securenow.in\/group-insurance\/group-personal-accident-insurance\">Group Personal Accident policy<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>PS &#8211; Though Accidental Death Benefit can be offered as a rider in the GTL policy, corporate generally choose the GPA policy for PTD, PPD, TTD, and AME benefits which are not provided under GTL policy.<\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"auto\">FAQs<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<ol>\n<li><b><span data-contrast=\"auto\"> What is GPA vs GTL coverage?<\/span><\/b><br \/>\n<b><span data-contrast=\"auto\">GPA (Group Personal Accident)<\/span><\/b><span data-contrast=\"auto\"> covers accidental death and disability (PTD, PPD, TTD), often with add-ons for medical, education, mobility, and funeral expenses.<\/span><br \/>\n<b><span data-contrast=\"auto\">GTL (Group Term Life)<\/span><\/b><span data-contrast=\"auto\"> covers death due to natural causes and accidents but doesn\u2019t include disability or medical add-ons\u202f.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ol>\n<ol start=\"2\">\n<li><b><span data-contrast=\"auto\"> Do both GPA and GTL pay for accidental death?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> Yes. In case of accidental death, both policies are triggered, offering dual payouts\u2014while in natural death, only GTL applies\u202f.<\/span><\/li>\n<\/ol>\n<ol start=\"3\">\n<li><b><span data-contrast=\"auto\"> Why remove accidental death from GPA?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> Removing overlapping accidental death coverage from GPA avoids redundancy with GTL, helping lower GPA premiums by an estimated <\/span><b><span data-contrast=\"auto\">25\u201340%<\/span><\/b><span data-contrast=\"auto\">, while keeping other critical benefits intact\u202f.<\/span><\/li>\n<\/ol>\n<ol start=\"4\">\n<li><b><span data-contrast=\"auto\"> What benefits remain in GPA after removing the AD benefit?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> GPA still covers <\/span><b><span data-contrast=\"auto\">Permanent Total Disability (PTD), Permanent Partial Disability (PPD), Temporary Total Disability (TTD)<\/span><\/b><span data-contrast=\"auto\">, and optional SAFETY add-ons like Accidental Medical Expenses, Education Benefit for children, Mobility support, and Last Rites expenses\u202f.<\/span><\/li>\n<\/ol>\n<ol start=\"5\">\n<li><b><span data-contrast=\"auto\"> How much can you save by removing accidental death from GPA?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> Removing the accidental death benefit from GPA can reduce the premium by <\/span><b><span data-contrast=\"auto\">about 25\u201340%<\/span><\/b><span data-contrast=\"auto\">, offering significant cost savings for organizations\u202f.<\/span><\/li>\n<\/ol>\n<ol start=\"6\">\n<li><b><span data-contrast=\"auto\"> Is this strategy legally or contractually valid?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> Yes. Most GPA policies are <\/span><b><span data-contrast=\"auto\">customizable<\/span><\/b><span data-contrast=\"auto\">. Insured organizations can choose optional benefits and remove certain coverages through formal policy structures\u202f.<\/span><\/li>\n<\/ol>\n<ol start=\"7\">\n<li><b><span data-contrast=\"auto\"> What should employers consider before making the change?<\/span><\/b><\/li>\n<\/ol>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"28\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Confirm GTL includes <\/span><b><span data-contrast=\"auto\">Accidental Death Benefit (ADB)<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"28\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Ensure GPA continues to cover <\/span><b><span data-contrast=\"auto\">disability and add-ons<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"28\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Compare cost savings vs. coverage gaps with insurers or brokers.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"What is GPA vs GTL coverage?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"GPA (Group Personal Accident) covers accidental death and disability (PTD, PPD, TTD), often with add-ons for medical, education, mobility, and funeral expenses.\nGTL (Group Term Life) covers death due to natural causes and accidents but doesn\u2019t include disability or medical add-ons\u202f.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Do both GPA and GTL pay for accidental death?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes. In case of accidental death, both policies are triggered, offering dual payouts\u2014while in natural death, only GTL applies\u202f.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Why remove accidental death from GPA?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Removing overlapping accidental death coverage from GPA avoids redundancy with GTL, helping lower GPA premiums by an estimated 25\u201340%, while keeping other critical benefits intact\u202f.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"What benefits remain in GPA after removing the AD benefit?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"GPA still covers Permanent Total Disability (PTD), Permanent Partial Disability (PPD), Temporary Total Disability (TTD), and optional SAFETY add-ons like Accidental Medical Expenses, Education Benefit for children, Mobility support, and Last Rites expenses\u202f.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"How much can you save by removing accidental death from GPA?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Removing the accidental death benefit from GPA can reduce the premium by about 25\u201340%, offering significant cost savings for organizations\u202f.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Is this strategy legally or contractually valid?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes. Most GPA policies are customizable. Insured organizations can choose optional benefits and remove certain coverages through formal policy structures\u202f.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"What should employers consider before making the change?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Confirm GTL includes Accidental Death Benefit (ADB).\u00a0\nEnsure GPA continues to cover disability and add-ons.\u00a0\nCompare cost savings vs. coverage gaps with insurers or brokers.\"\n    }\n  }]\n}\n<\/script><\/p>\n<h3><span style=\"font-weight: 400;\">Written By-\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Gunjan Saxena<\/span><\/p>\n<p><span style=\"font-weight: 400;\">MBA Insurance Management<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With a robust background in the insurance industry, Gunjan is a seasoned professional who brings 10 years of expertise to group personal accident insurance. Throughout her career, she has demonstrated a deep understanding of the intricacies and nuances of insurance products, particularly in personal accident coverage. Having worked closely with both individuals and businesses, she has gained valuable insights into the diverse needs and challenges faced by clients seeking insurance protection. Her experience encompasses designing tailored insurance solutions, providing expert advice, and guiding clients through the insurance process with confidence and clarity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Through her articles, Gunjan aims to educate and inform readers about the importance of group personal accident insurance and the benefits it offers in safeguarding against unforeseen events.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Overview GPA (Group Personal Accident) and GTL (Group Term Life) are both fixed-benefit group insurance policies offered by employers: GPA covers accidental death\/disability; GTL covers death due to any cause\u202f.\u00a0 If employees are covered under both GPA and GTL, accidental death claims will trigger both policies, but natural death claims trigger only GTL\u202f1.\u00a0 To avoid [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"no","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[290,2],"tags":[180],"class_list":["post-18336","post","type-post","status-publish","format-standard","hentry","category-pricing-group-personal-accident","category-group-personal-accident","tag-group-personal-accident-insurance"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/18336","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=18336"}],"version-history":[{"count":11,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/18336\/revisions"}],"predecessor-version":[{"id":34460,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/18336\/revisions\/34460"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=18336"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=18336"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=18336"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}