Employee Life Cover (ELC): features and benefits

Employee Life Cover (ELC): features and benefits

With Employee Life Cover (ELC), your business will enjoy an offering that offers a wealth of features and benefits:

Cover for all: if an employee dies ELC pays a tax-free lump sum up to £23,000 as standard to their nominated beneficiaries. If the employee dies as a result of an accident at work or while travelling to or from work, this doubles to £46,000. You can also set up ELC to provide higher levels of cover for different categories of employee. For example, you may want to provide standard cover for all operatives, but double for managers.

Easy to claim: we handle all claims quickly, carefully and sensitively. The claimant simply contacts us within one year of the members death to request a claim form. Medical evidence may be required where death is preceded by incapacity. We will then pay the lump sum to the nominated beneficiaries. All payments to dependants are at the Trustees' discretion, are not automatic and do not form part of the deceased's estate.

Large payment for low cost: our life cover is affordable, providing up to £23,000 or £46,000 as standard, for a low cost to your business.

Discover how life cover will benefit your employees and apply for the product today.

Cover type

Life Cover

Accidental Death Benefit

Total

Standard

£23,000

£23,000

£46,000

Double

£46,000

£46,000

£92,000

Triple

£69,000

£69,000

£138,000

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