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Relevant Life Plan
An extremely tax-efficient life insurance policy for businesses to provide for individual employees, including directors. Premiums are eligible for up to 25% corporate tax relief and are not subject to employer NIC cost. Directors and employees benefit from the absence of P11D charges, reducing their National Insurance and income tax liabilities.
Tax-efficient life insurance for directors and employees
Premiums are usually tax-deductible for businesses
No benefit-in-kind tax for employees
Executive Income Protection
This policy is designed to cover the salary and pension costs of employees or directors who are unable to work due to illness. It's typically classified as a tax-deductible business expense and doesn't generate a P11D benefit for the insured individual.
Protects business by covering salary and pension costs during illness
Typically tax-deductible as a business expense
Tailored coverage for key personnel and directors
Key Person Insurance
A form of business insurance that provides a lump sum to the company if a key employee dies or is diagnosed with a terminal or critical illness. The capital is intended to offset potential losses in revenue or profits resulting from the loss of the key individual.
Provides capital to offset losses if a key employee dies or becomes critically ill
Helps maintain business stability and continuity
Customizable to cover specific financial impacts on the business
Ownership Protection
Also known as shareholder or partnership protection, this insurance helps businesses manage the financial implications of a shareholder's or partner's death. It typically consists of life insurance and may include critical illness cover. The policy aims to provide funds for the remaining owners to purchase the deceased's share of the business.
Ensures business continuity if a shareholder dies or becomes critically ill
Provides funds for remaining shareholders to buy out deceased's shares
Protects business from unwanted new shareholders or loss of control
Private Medical Insurance
This insurance provides access to private healthcare services for individuals, families, or employees. It typically covers the costs of inpatient and outpatient treatments, allowing policyholders to receive medical care more quickly than through public healthcare systems. Coverage can vary but often includes consultations, diagnostics, and surgical procedures.
Fast access to private medical facilities and treatments
Reduces waiting times for consultations and procedures
Covers a wide range of acute conditions and treatments
Business Loan Protection
A type of insurance designed to help businesses repay outstanding debts in the event of an owner's or key person's death or critical illness. It can cover various forms of business debt, including commercial mortgages, director's loans, and Personal Guarantees, helping to maintain the company's financial stability during challenging periods.
Covers outstanding business loans if an owner or key person dies
Protects personal assets used as loan guarantees
Maintains business financial stability during unexpected events