Life Assurance including Terminal Illness benefit and Child Death Grant
Life Assurance
Life assurance benefit is payable on the death, by any cause, of the member or their subscribing partner under the age of 70 years. Partner benefit levels depend on the age of the subscribing officer.
The payment is made to the 'Trustees of the West Midlands Police Federation' and the money is then dispersed by the Trustees under the terms of the 'Trust Deed' which would normally be the member's chosen beneficiary. this means that the benefit does not form part of the member's estate and is not, under current legislation, subject to inheritance tax. It is therefore important to keep the beneficiary details up to date.
Terminal illness benefit
If a member under the age of 69 for serving officers and police staff and under 64 if retired at the date of diagnosis as having an illness or injury from which he or she is expected to die within 12 months, they may apply for an advance of 20% of the life assurance benefit. The amount advanced will be deducted from the settlement on death.
Child death grant
This benefit is paid upon the death of a dependent child aged between six months and 17 years.
24 hour telephone helplines
Bereavement counselling: 0800 912 0826 - confidential support with unlimited telephone access.
Probate advice: 0808 164 3079 - specialist legal advice on all aspects of obtaining probate.
West Midlands Police Federation is an Appointed Representative of Arthur J. Gallagher Insurance Brokers Limited, and George Burrows is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 55 Blythswood Street, Glasgow G2 7AT. Registered in Scotland. Company Number: SC108909
