Employees Deposit Linked Insurance (EDLI)

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Product Advantage

Higher Cover
Sum assured higher than coverage provided by Provident Fund Organization.
24 Hour Coverage
The policy cover is for 24 hours and not related to actual office timings
No Minimum Tenure
There is no threshold of minimum years of service to avail EDLI benefit.
Fast Claim Settlement
Easy and prompt claim settlement without any hassle.

Why Claims Get Rejected?

Improper Enrollment

If information of a new hire is not shared with the insurer, the new hire is not insured. This can be addressed by maintaining a small balance of advance premium with the insurer.

Misrepresentation of facts

Under a group EDLI policy, it is necessary that the employee is actively at work. Employees on long leave because of medical issues are not covered.

Non-timely renewal

If your insurance is not renewed on time then claims filed after the renewal date are denied. We ensure renewal in time by sending reminders and following up.

Why SecureNow

Product Knowledge

We have specialized underwriters and tie-ups with international experts.


We work with all insurers to get you the best options- both in terms of price and features.

Quick Turnaround

Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.

Strong Claim Support

We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

Value Added

We will advice you on risk management best practices.

Policy Administration
System (PAM)

See all your contracts and renewal information in one place. Place service requests on PAM.


Employee Deposit Linked Insurance (EDLI) scheme is life insurance cover linked to the employee provident fund. PFO grants exemption to employers to subscribe to their life insurance scheme, if employer offers a higher cover from a registered life insurer. EDLI scheme offered by insurer provides higher cover than PFO at lower cost leading to substantial cost savings for the employer.
Premium for the EDLI insurance scheme is to be paid in bulk by the employer to the life insurer.
As per the latest EPFO announcement, the maximum amount insured under EDLI scheme has been increased from Rs.3.6 lakhs to Rs.6 lakhs.
Employers, who subscribe to Provident Fund, have to either provide life insurance through PFO or buy an alternative EDLI scheme from a life insurer.
Members of family appointed as nominee, or legal heir, can claim the EDLI benefit amount.
The premium paid by employer under Employee Deposit Linked Insurance is treated as a business expense and is subject to tax deductions. Further, the employer is exempted from making contribution to PF insurance scheme.

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