Give your people dignity before they ever need it.
Prepaid memorial plans your workforce can rely on. Fully licensed, trust-fund protected, and backed by millions of satisfied planholders.
Corporate Packages
Employer Reserve Package
Employee Empowerment Package
Employee Empowered Package
The employee is the planholder from the moment of issuance. All benefits remain valid and portable even after resignation.
- Employee chooses to enroll in the plan.
- HR facilitates through information sessions or assisted onboarding.
- Payment may be through direct payment or salary deduction.
- Company initiates the purchase and names the employee as the planholder upon issuance
- May be fully paid by the employer or partially subsidized (cost-sharing).
- Presented as a guaranteed benefit, reward, or inclusion in the employment package.
- Company assigns or offers different types of plans depending on the employee rank or role.
- Senior executives may be assigned higher-value plans.
- Rank-and-File or non-management staff may be offered lower-cost plans either as voluntary options or with a subsidy.
Employer Reserve Package
Description:
Bulk plans are purchased and owned by the company without assigning them to specific individuals at the time of purchase. These plans are held in reserve and assigned when needed. These are basic memorial-only plans, which means that only memorial services are covered, and insurance riders or value-added benefits are not included.
- Emergency Contingencies – for sudden-death cases involving employees or dependents; often funded through welfare budgets or CSR allocations.
- HR Milestones & Rewards – as benefits for probation completion, tenure milestones, retirement, separation benefits, loyalty or performance recognition.
- Flexible Coverage Reserve – for companies that prefer to keep unnamed plans on hand for future transfer to employee-owned plans or other strategic purposes.
- Plans may remain unnamed until the moment of assignment/transfer (e.g., at death or separation).
- Alternatively, companies may pre-name select individuals (e.g., owners, executives) for planned usage.
- Preparedness and Compassion – enables immediate response during emergencies, reducing emotional and logistical burden on HR.
- Strategic HR Tool – allows companies to align plan deployment with milestones, rewards, or retention initiatives.
- Cost Predictability – plans can be pre-purchased and deployed as needed, helping companies manage budgets more effectively.
- Administrative Simplicity – reduces the need for complex enrollment processes upfront while still ensuring coverage when required.
- Brand Strengthening – demonstrates institutional care and foresight, enhancing employer reputation.
Group-Voluntary Plan Package
Offer plans directly to individuals through group-specific links or codes, whether for companies, professional associations, alumni networks, or other organized groups. Minimal setup is required for the organizing entity, making it easy to provide meaningful benefits without the complexity of formal administration.
- The organizing entity does not need to subsidize or formally integrate the plan into its benefits program.
- HR or Admin may simply promote the opportunity (e.g., via internal emails, bulletin boards, webinars, kiosks, or orientation kits).
- St. Peter handles the enrollment process, support, and documentation.
- The employee becomes the planholder upon enrollment.
- All benefits apply as in standard named plans (memorial services, insurance riders, portability, etc.)
- Adds value to the employee experience without cost or commitment.
- Promotes a culture of preparedness and personal responsibility.
- Minimizes HR stress during death-related emergencies by encouraging employees to plan ahead.
- Strengthens employer brand as family- and future-oriented.
- No financial or administrative burden — St. Peter handles everything.
Why Companies Choose St. Peter
Reliable Coverage Everywhere
Wherever your employees may be, our genuine presence ensures consistent and accessible support.
Strengthen Your Employer Brand
Partnering with St. Peter shows a genuine commitment to employee well-being and dignity, positioning your company as a caring, forward-thinking employer.
Plans That Fit
Whether you prefer employee-owned, company-sponsored, or convertible packages, our plans adapt to your organization’s needs, goals, and budget.
How the Partnership Works
Consult & Customize
Book a 15-minute call with a Corporate Sales Specialist to assist your workforce.
Select Package Mix
Choose between Employee Empowerment Package, Employer Reserve or Group Voluntary Plan
Onboard Employees
Webinars, kiosk days or self service link.
Agree and Sign
E-contracts plus HR dashboard access within 24 hours.
Ongoing Support
Dedicated hotline and enterprise chat.
Compliance and
Fine Prints
Here’s what you need to know about your plan coverage and safeguards.
15-day Free-Look
Cancel within 15 days and receive full refund.
Rider Activation
Insurance riders activate once a plan is named.
Trust-Fund Protection
All funds are secured in an audited regularly trust.
FREQUENTLY ASKED QUESTIONS
Corporate Life Plans are prepaid memorial packages offered to companies as employee benefits, welfare programs, or voluntary plans. These plans are structured to ease both emotional and financial burdens during a time of loss. They guarantee full memorial services—coordinated and delivered by St. Peter—while offering customization for various corporate needs. By including them as part of a benefits program, companies provide employees with meaningful peace of mind and long-term security.
A St. Peter Life Plan is a prepaid memorial service plan that guarantees the full delivery of funeral services when they are needed. It is not merely a cash benefit—it ensures that professional memorial arrangements are carried out without the burden falling on the employee’s family.
Unlike traditional life insurance, which only provides a cash payout that still leaves the family responsible for arranging funeral services, a St. Peter Life Plan covers everything from viewing setup, embalming, and transport to the casket or urn and use of chapel. Many plans also include insurance riders, such as Credit Life, Accidental Death & Dismemberment (AD&D), and Waiver of Installments, offering a dual benefit of service and financial protection. This makes it a practical and compassionate alternative to cash-based coverage.
For companies, offering this type of plan provides employees with both emotional peace of mind and concrete, end-to-end support for their loved ones.
Each plan covers a complete memorial service package that includes professional arrangements such as embalming, casket or urn provision, use of a St. Peter chapel for viewing, and transport of remains. The service is handled end-to-end by trained personnel, relieving families from logistical stress and unplanned expenses. Depending on the specific plan selected, additional features may include insurance riders (Credit Life, AD&D, Waiver of Installments), 24/7 claims assistance, and transferability under certain conditions. The coverage ensures dignified, organized, and compassionate memorial support for the employee’s family.
Enrollment is simple and flexible, depending on what works best for your company. St. Peter can hold on-site sessions for in-person orientations, set up an online enrollment page or group link for easy access, or host webinars to guide remote teams through the process. During HR events or wellness fairs, we can also set up booths to assist employees one-on-one. To make things even easier, St. Peter provides ready-to-use materials like flyers, videos, and FAQs for internal sharing. Each company also gets a dedicated Corporate Sales Specialist to help coordinate activities and answer questions—making the whole process smooth, convenient, and hassle-free for HR and employees alike.
St. Peter manages all onboarding, documentation, and claims servicing, keeping HR’s role minimal and focused on internal communication. Depending on the package, HR may simply promote the program, coordinate interested employees, or assist in a one-time payroll setup for cost-sharing models. For group-voluntary plans, there’s no financial or administrative burden—St. Peter handles all technical setup, enrollment, and support—allowing companies to offer valuable benefits with minimal HR involvement.
It depends on the corporate package and when the plan was assigned.
- Employee Empowerment Package & Group-Voluntary Plan Package: Employees are planholders from the start and retain full plan benefits after leaving the company. Plans remain fully portable, though insurance riders are forfeited if transferred to another person.
- Employer Reserve Package: If the company assigns a plan to an employee (e.g., at retirement), the employee retains the memorial-only plan. These plans typically do not include insurance benefits, since they are assigned later.
The outcome depends on the selected corporate package and whether the plan includes Credit Life insurance, which settles any remaining balance upon the planholder’s death.
Employee Empowerment Package (Employee-Owned):
If the plan includes Credit Life coverage, any unpaid balance is automatically waived, and the family receives the full memorial service package, subject to eligibility.Group-Voluntary Plan Package:
Similar to the Employee Empowerment Package—Credit Life coverage waives any remaining balance, ensuring the family receives full plan benefits.Employer Reserve Package (Company-Owned):
These plans do not include Credit Life insurance. Any outstanding balance must be settled by the company or the family, depending on the employer’s policy.
Note: Credit Life coverage applies only to eligible planholders and is not available for Employer Reserve plans. Companies are advised to coordinate with their St. Peter Corporate Sales Specialist to define benefit arrangements clearly.