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Relevant Life Insurance

Relevant Life Insurance is, in simple terms, a life insurance policy taken out by a business on behalf of an employee of the company during their employment. Under current legislation, the premiums payable on a Relevant Life plan count as a business expense making this type of policy a tax-efficient alternative.

Executive Income Protection

This type of policy benefits both the employer, who can then afford to hire an interim replacement during any period of absence, as well as the employee, who continues to receive a regular income whilst they are off work. Best of all, the premiums are usually treated as an allowance business expense.

Keyperson Insurance

The main purpose of Keyperson Insurance is to provide business continuity should a member of staff, who makes an important contribution to the financial performance of the business, fall seriously ill or die. This may mean a cash provision to be used to recruit a replacement or to maintain positive cash flow in the short to mid-term.

Business Loan Insurance

Business Loan Insurance works in a similar way as Life Insurance would to cover a personal debt, such as a loan or mortgage. However, in this case, the policy is set up by and paid for by the business to provide continuity if a loan guarantor within the business was to die, suffer a terminal illness or be diagnosed with a specified critical condition.

Partnership Protection

A business protection policy designed to provide the cash required to reimburse the beneficiaries of a deceased partner to the value of their inherited business interest in the event of death or to reimburse the partner to the value of their current business interest should they become critically ill.

Shareholder Protection Insurance

A business protection policy designed to provide a cash lump sum if one of a group of company shareholders or partners become critically ill or dies enabling the remaining shareholders/partners to purchase the shares of the ill or deceased shareholder. This means that the remaining shareholders can retain control of the company.