top of page

Our Cover

Work With Vantage and

Keep Your 

Family

Wealth 

Assets

 Safe

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

bottom of page