Nobody particularly likes to talk about dying. It’s a taboo subject for good reason, despite the importance of planning for the financial consequences of the unexpected. A valuable employment benefit is ‘death in service’ which pays a capital lump sum to your loved ones if you die when in the employment of a company. Almost nine in ten employers are believed to offer this type of benefit to their staff. For people who have a death in service benefit as part of their contract of employment, this money can provide financial security to family members should the worst happen. Whether or not this death in service benefit is enough to cover your financial liabilities is another matter.