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What to do after a bereavement

We want to make it as easy as possible for you to understand what you or your representative (for example your financial adviser or solicitor) need to do after the loss of a loved one.

To help make the process straightforward, we’ve put together the steps you need to take and information you'll need to provide.

What are the steps?

1. Let us know

You can let us know about a bereavement by letter, email or telephone. Call charges will vary.

Anyone can notify us of a death, but we can only provide further details to the person who sends us written confirmation and/or the Registrar’s certified copy of the Death Certificate*. They can also nominate someone else for us to share information with, if required.

  • Call: 0345 300 4177 if the deceased didn't have a financial adviser, or you're unsure
  • Call: 0345 600 2399 if the deceased had a financial adviser
  • Write to: Elevate, PO Box 6891, Basingstoke, RG24 4SN
  • Email us at: elevate_enquiries@standardlife.com

If you have it, please provide the Elevate account number (e.g. EL0123456).

* It's important the death certificate is the Registrar's certified copy of the Death Certificate. These are issued by the Registrar and cannot be photocopied/certified by someone else as this would be a copy of a copy, and would break Crown Copyright Law. You can read more about this here.

We'll return any original documents and Registrar’s certified copies to you in the post by recorded delivery as quickly as possible.


2. We'll confirm what you need to do next

Depending on your communication preference, you’ll receive a letter or email from us within five working days, letting you know what you need to do next and the options available to you. We'll then issue a valuation of the deceased's Elevate account(s) as at the date of death, in case you need this for Probate.

You may in certain circumstances be able to make a 'small claim', where the deceased’s Elevate investment is valued at £75,000 or less and probate is not being obtained. If this is the case, you can request a small claims form from us to complete and return, which we’ll then review and confirm if a small claim is possible.


3. Provide us with the right information and documents

Before we're able to release any money held in the deceased’s Elevate account, you'll need to provide us with some or all of the following information and documents. Please see our Frequently Asked Questions (FAQ) for further information:

Information we'll need from you:

  • Deceased’s full name, date of birth and address
  • Relationship to the deceased of the person notifying us of the bereavement (e.g. spouse/civil partner, executor, solicitor)
  • Contact details of the personal representative/solicitor so we can contact them if required.

Documents you may need to provide:

  • Registrar's certified copy of the Death Certificate*
  • Original or a certified (on all pages) photocopy of the Will (see our FAQ for who can and how to certify that they’ve seen the original)
  • Original Grant of Representation (also known as Probate), or Letters of Administration.

* It's important the death certificate is the Registrar's certified copy of the Death Certificate. These are issued by the Registrar and cannot be photocopied/certified by another as this would be a copy of a copy, and would break Crown Copyright Law. You can read more about this here.

We'll return any original documents and Registrar’s certified copies to you in the post by recorded delivery as quickly as possible.


4. Let us know your preferred option and we’ll carry out your instructions

Once you've confirmed your preferred option on what to do with the deceased's Elevate account(s) and provided us with all necessary information and documentation, we'll carry out your instructions.

Frequently asked questions

What options are there?  

Once we've received all necessary information and documents, we'll let you know the options available to you. These options will differ depending on the product (Elevate General Investment Account (GIA), Elevate Stocks & Shares Individual Savings Account (ISA) or Elevate Pension Investment Account (PIA)) and circumstances.

Elevate GIA and ISA

Transfer into an Elevate ISA

If the beneficiary qualifies and a subscription hasn't been made for the current tax year, you may use all or part of the proceeds to add to an existing or open an Elevate Stocks & Shares Individual Savings Account (Elevate ISA), subject to the usual annual subscription limits (check here for the latest annual ISA subscription limit).

Apply for an additional permitted ISA subscription

If you're the deceased's spouse or civil partner, you can apply for an additional permitted subscription. This means you can pay in an amount equal to the value of the deceased's ISA (as at the date of death), in addition to your own annual ISA subscription.

Receive the money (encashment)

The investments can be sold and the money paid into a nominated bank account. An encashment form will need to be completed, which we can send you.


Pension Investment Account (PIA)

The investments will have been sold to cash when we received written confirmation of the deceased’s passing. The money (cash) can either be paid as a lump sum or in some circumstances provide an income. There are a variety of options available, we’ll contact you to discuss these further.

Please note if a Grant of Representation (Probate) is being applied for, we'll need to see the original Grant of Representation (Probate), or the Letters of Administration if no-one was named as Executor in the Will.

If you have a financial adviser, they can arrange your required option for you. If you don't, you can send us your instructions and we'll arrange these for you.

General FAQs