• Aviva



    With over 300 years of history, Aviva is a financially strong company with a wealth of experience in offering financial services to businesses and individuals alike. Its long heritage offers reassurance that Aviva is here for the long term, but its scale lets the company focus on what its customers need for the future.


    As the provider of workplace pension schemes for some of the UK’s best-known companies, Aviva offers a range of investments to suit many different needs.


    The company currently supports almost four million pension scheme members across more than 20,000 companies. So, whether you’re a massive multinational or a compact business of just one or two employees, Aviva has a workplace pension to meet your needs.


    Why Aviva for Elect clients?

    Elect has partnered up with Aviva to provide workplace pensions that give your employees an easy, hassle-free way to start investing for life after work.

    With Aviva, you’ll get:

    • an award-winning workplace pension scheme, recognised throughout the pension industry
    • a default investment strategy from the Mercer SmartPath investment solution, which lets employees access their retirement income in the way they want
    • a wide range of employee communications designed to improve pension take-up and engagement with your employees
    • full pension freedoms options as part and parcel of your workplace pension scheme
    • UK-based support on hand to help you through the set-up process and beyond
    • transparent governance and performance through comprehensive reports
    • online access for your employees to track their pension performance at any time and make changes through MyAviva.


    The value of a pension can go down as well as up and you may get back less than has been paid in.


    The benefits of Aviva

    The size and strength of Aviva means it can continually invest in its workplace pension propositions, making sure members have informed solutions while investing and in retirement.


    The company’s operational scale helps it drive efficiencies to deliver value for money for you and your employees. Plus, with almost four million pension members on its books, Aviva has the information and insight needed to develop expert solutions.


    On top of that, Aviva has a huge amount of assets under management, which helps it drive down costs. It also means the company can adopt a stewardship approach to asset management, which aims to deliver sustainable growth, which is good for you and good for your employees.


    You can be confident your pension scheme is in safe hands with Aviva. As one of the largest insurers in the world, Aviva has high ratings from all major credit-rating agencies (these ratings can change over time), including Moody’s, Fitch and S&P Global.


    Trusted by the industry, and trusted by Elect, Aviva is in a strong position to support your business, your needs and your employees.

  • Axa PPP Healthcare

    AXA PPP Healthcare


    With a focus on choice and flexibility, AXA PPP healthcare brings 70 years of experience to provide you with prompt access to the latest established treatments, drugs and medical technology from private medical hospitals and specialists; you can be assured that they are helping you and your employees get back to health and back to work faster.


    In addition, their leading Heart and Cancer commitment offers your employees better care and support for the two conditions that worry people the most.


    Why AXA PPP Healthcare for Elect clients?

    • Flexibility and a variety of plan options to suit your budget, the size of your business, and your individual needs
    • Solutions to ensure you find the most cost-effective result for your business
    • Optional covers, including psychiatric cover, extended cancer cover; therapies upgrade option and travel cover, if required

    The benefits of AXA's PPP Healthcare

    AXA PPP healthcare brings world-renowned healthcare, offering innovative solutions for small business health and wellbeing. This is health cover you can rely on.


    Together employee benefits through Elect and AXA PPP healthcare for small to medium-sized businesses give you and your team access to private medical and specialist health services usually only available to big business.


    AXA PPP healthcare has over two million members worldwide and are one of the largest health insurers in the UK, making them a name that your employees will trust.

  • Bupa



    Bupa has joined forces with Elect to provide small and medium businesses looking for employee benefits access to healthcare services previously only accessible to larger companies.


    Bupa was founded in 1947 and its 65 years of history demonstrates a heritage of dedication to patient care.


    Bupa's goal is to ensure everyone has access to the best healthcare available in order to help restore to full health and to work as quickly as possible.


    Why Bupa for Elect clients?

    At Bupa healthcare is, and will remain their only focus. Providing outstanding customer service and an impressive range of healthcare support services, Bupa's purpose is to help is to help people live longer, healthier, happier lives. As one of Elect's partners, Bupa brings a proposition to help small and medium business manage their business healthcare needs.


    The benefits of Bupa's

    Bupa provides integrated services for Elect members; these include:

    • Employee Assistance Program, including face-to-face counselling to help get employees supported and back to work sooner
    • Dental cash benefit, including cash payments and cover towards routine and accidental dental injury
    • Optical cash benefit, including cash towards prescriptions, spectacles and contact lenses

    Bupa consistently provides small businesses with flexible and affordable health insurance plans. Additional claim areas include oncology, mental health, cardiac, knee and back treatment plans.


    Bupa is focused on the individual and company wellbeing, and is dedicated reducing absenteeism related to health. Bupa provides valuable healthcare solutions for small and medium businesses.

  • Canada Life

    Canada Life


    Canada Life has been in the group risk market for over 45 years and is the UK's largest provider of group insurance products, insuring over £321bn in group benefits.1


    Their experience and expertise in Group Life Assurance and Group Income Protection is recognised in the market. They support over 26,000 employers and currently cover approximately 2.93 million employees. Canada Life are the market leaders for Group Life Assurance in total in-force premium, total insured benefits and people covered. They are also the number one provider in the UK across all metrics for Group Life and Group Critical Illness cover.1


    Business placed with Canada Life is in the safe hands of group insurance specialists who pride themselves on delivering the best service in the market. Their dedicated Bristol office manages every aspect of group policies, from quotations and customer service, to underwriting and claims handling.


    Why Canada Life for Elect clients?

    Special discounts for Elect by Mercer Marsh Benefits clients - Multi-product, loyalty, new-to-market and scheme transfer discounts are available for Elect clients, with rates guaranteed for three years.


    WeCare - All Elect clients immediately get access to WeCare, which looks after employees’ wellbeing with a 24/7 UK-based online GP, mental health counselling, a get fit programme, legal and financial guidance and more. Using their phone, tablet or desktop, employees and their families have 24/7 access to thousands of experts.


    Added-value additional benefits - From rehabilitation services, to gaining an expert second medical opinion, you will get a range of additional benefits that can help both you and your employees.


    The benefits of Canada Life's

    Canada Life believes firmly in providing more than just market-leading group insurance policy. That's why they also include a range of additional benefits aimed at supporting your business and the wellbeing of your employees.


    Included with every Elect policy is free access to WeCare, as well as an expert second medical opinion service. Unlike many insurers, these services are available to all of your UK-based employees, whether they are insured under the policy or not.


    Employers and scheme members also benefit from support by Canada Life's in-house rehabilitation and early intervention services, delivered by their dedicated and medically trained Rehabilitation Consultants.


    Their expertise in Group Life Assurance combined with their market leading position delivers the best experience in the market. Not only that, but they also offer Bereavement Counselling and a Probate Helpline with all of their Group Life policies, completely free of charge.



    (1)Swiss Re Group Watch 2021

  • Cigna



    Cigna works with Elect to help small businesses provide leading-edge dental benefit solutions to their employees.


    Why Cigna for Elect clients?

    Cigna has worked with Elect to provide dental plans to clients for a number of years.


    Cigna offers a range of plans and cover levels, offering their clients and employees a range of options to suit their needs and budgets. Cigna reviews plans for major treatment, saving time and costs on unnecessary treatments.


    The benefits of Cigna's

    Cigna adds value by going beyond the basics. We:

    • Understand employer needs and treat their employees as individuals;
    • Deliver a consistently high quality service;
    • Provide useful information which helps manage health.
  • Crispin Speers & Partners

    Crispin Speers & Partners


    Crispin Speers & Partners (CSP) specialise in travel and personal accident insurance in the UK and throughout the world. Employee benefits from Elect with Crispin Speers provide small businesses with access to comprehensive and affordable travel insurance benefits that were once unattainable. The CSP partnership with Mercer Marsh Benefits through Elect has led to the creation of a unique product.


    Why Crispin Speers & Partners for Elect clients?

    Since 1985, CSP has offered bespoke travel and personal accident insurance to companies both large and small. CSP has considerable experience and unique expertise in benefit solutions and meeting the needs of customers.

    For CSP, the relationship is the key ingredient to maintaining lower premiums and higher customer satisfaction.


    The benefits of Crispin Speers'

    • Worldwide trip cover;
    • Full cover including winter sports, business and leisure travel, and other benefits which are normally optional, but can be added at an extra cost;
    • Extensive Personal Accident benefits including rehabilitation and home modification;
    • No excess on business trip claims;
    • Collision Damage Waiver covering compulsory excesses on car hire contract;
    • Hospital cash benefit to provide for those minor expenses, such as newspapers, incurred whilst staying as a hospital inpatient during a holiday/trip;
    • Simple admin and free cover allowing your membership to grow by up to 10% with no additional charges;
    • Dedicated claims teams and helplines;
    • Crispin Speers & Partners understand the needs and demands of those seeking to purchase corporate travel insurance, both from big and small businesses.
  • Simplyhealth



    Trusted by over 3,500 corporate health and dental clients, Simplyhealth is the largest health cash plan organisation in the UK, with 38.6% market share. A company that makes a real difference to the communities they work in, improving access to healthcare by giving 10% of their adjusted pre-tax profits to charity.


    Simplyhealth know that prevention is better than cure. They want to help your employees stay healthy, now and in the future. Through their health plans, they make sure your employees can access – and afford to stay healthy through dental treatments, visits to the optician, complementary therapies and much more.


    Why Simplyhealth for Elect clients?

    Working with Simplyhealth, we can offer Elect clients a unique health plan that has been designed to cater for a wide range of healthcare needs.


    • Unique features - A new wellbeing benefits entitlement that covers a range of treatments including sports and remedial massage, hypnotherapy and alternative therapies such as Reiki, Kinesiology and many more.
    • An unlimited number of children can be added to an employee’s plan, sharing annual limits between them. Children are covered for free and there’s no age restriction on child cover.
    • Employees can also cover their partner, with no age restrictions.
    • Option to allow your employees to cover up to four adult dependants (as defined by you) with no age restrictions.
    • Simplyhealth make it easy to launch your plan - it can take just five days to set up your policy, from agreement
    • You get a bespoke management information (MI) pack for your organisation to help you better support your employees’ health and wellbeing, based around your business objectives
    • Simplyhealth marketing team can help tailor communications for your business
    • Full online claiming is available, with corporate claims being paid within 5 working days, with an average processing time of 1.6 days
    • Simplyhealth pride themselves on their corporate client retention rate of 91%. 


    The benefits of Simplyhealth

    Simplyhealth exist to make it as easy as possible for people to access the healthcare treatments they need. This has been their purpose since 1872, and it still drives them today. They aim to serve as many people as possible in the UK – for the long term. They do this via health insurance services, lobbying, and helping communities thrive. They believe everybody should have fair access to healthcare and should understand the benefits of a healthy and active lifestyle. They share this ambition through rich content about health, fitness and happiness and how their products and services help to achieve them. With their help, you can make healthcare more accessible to those vital to your business.

  • Unum



    Unum specialises in providing Group Income Protection and Group Life Insurance through the workplace. They are committed to helping the UK's workforce get a backup plan.


    At the end of June 2011, Unum insured more than 9,500 companies with 100 or less employees. They protected 1.9 million people and paid out more than £5 million a week in benefits.


    Why Unum for Elect clients?

    • Discounts available when you take Group Income Protection Protection and Group Life policy, with rates guaranteed for up to three years;
    • Instant answers to your questions: As an Elect customer, you have access to a dedicated admin team. Phone or email them with all your policy and accounting queries;
    • Free Legal Support: Speak to a legal expert or create a customised document such as a health and safety policy, whenever you need;
    • Help getting your employees back to work: From day one of an employee absence, Unum's award-winning team of rehabilitation professionals can help you.

    The benefits of Unum's

    Unum's common sense approach to underwriting means that most people they insure never have to be underwritten.


    They can also provide full cover to people with serious medical conditions. So, even employees with diabetes, paraplegia, or those with a history of cancer, mental or nervous disorders, heart attacks or back pain may still get the full protection they need.


    If you need to claim, they will keep in direct contact with all parties ensuring everyone is kept up-to-date on the status of the claim.

  • Yulife



    YuLife is a new and innovative provider of Group Life Assurance who are looking to bring a more engaging, proactive proposition and experience to employers.


    YuLife have evolved the traditional Group Risk Insurance to a more proactive model where, using technology and gamification, the offering is designed to improve the risk by helping individuals live healthier lives. The YuLife app encourages positive daily habits like walking and meditating, by rewarding individuals with Yucoin, Yulife’s wellbeing currency to spend on a range of favourite brands like Amazon and Nike and also get leading discounts on brands like Fitbit and Garmin.


    YuLife have a dedicated team with a huge amount of experience and passion to support Elect by Mercer Marsh Benefits bring a new, innovative and exciting offering to employers.


    Why YuLife for Elect clients?

    • Discounted rates for Group Life cover with rates guaranteed for 3 years
    • Annual healthy company premium rebate based upon employee engagement with the YuLife app
    • Bespoke wellbeing events for Elect customers with in-app surges to earn more Yucoin towards rewards aligned to these events
    • Dedicated Yuniversity hub for Elect clients with information, training and support material to engage and enhance the partnership with MMB & YuLife.


    The benefits of YuLife

    • Yulife app for all employees to earn rewards for physical and mental exercise to enhance employee health and drive positive engagement
    • A fully funded EAP programme, including mental health support for all of the family over 8 years old, Legal & Line Manager support and life coaching
    • Smarthealth 24/7 Virtual GP for employees and their families
    • Digital will writing service available to all insured employees
    • Dedicated Account Manager and full onboarding support to drive awareness and engagement throughout employers and their staff
    • Market-leading data providing a health overview of employees to help enhance employer wellbeing agenda and drive positive results
  • AIG



    AIG Life UK are a protection specialist. They serve over 8,000 UK employers and insure 830,000 employees across the country. At its core, AIG Life is a digital business built to serve small to medium-sized businesses better. They believe insurance is about more than financial security. Their ambition is to help employers, employees and their families to live their healthiest lives, and be there to support them when they need it most.


    Why AIG Life for Elect clients?

    • Lower premiums – all Elect by Mercer Marsh Benefits terms are discounted, so that policy holders receive cheaper premiums than are normally available from AIG Life
    • No surprises – all terms are guaranteed for 3 years
    • Unlimited access to six health and wellbeing services through Smart Health such as remote GP appointments and access for the entire workforce, including their partners and children up to age 21. Applies for all products.
    • Important emotional and practical support to employees, including eight sessions of counselling, with the Lifeworks Wellbeing platform and Employee Assistance Programme. Applies for all products.
    • Access to employer and employee health and wellbeing training
    • Together with rehabilitation, claims, bereavement and probate support for employees and employer


    The benefits of AIG Life

    AIG Life offers a truly digital end-to-end process; it’s unrivalled in capability and product scope to any other provider. For Elect clients, that means competitive premiums, smooth service and more convenient online administration.


    Value-add services have been enhanced for Elect policy holders. Every Elect policy, across all three products, will benefit from free access to Smart Health (six health and wellbeing services, including virtual GP) and Employee Assistance Programme for the entire workforce.


    Their experienced, proven business model is built for small to medium-sized businesses. They are competitive, both in the quality of their products and pricing. And they are committed to Elect clients. This has resulted in the best combination of product enhancements, policy improvements, pricing and commercial terms they have ever offered.