JTL has Life Cover in place for all employees. The Trustees of the JTL Group Life Assurance Scheme will pay a lump sum death benefit arising under the Scheme to the employees’ beneficiary(s) as informed via a valid Expression of Wish Form (JTL 672). In the absence of specific instructions, the Trustees will pay the lump sum benefit strictly in accordance with the provisions of the Trust Deed and Rules governing the JTL Group Life Assurance Scheme.