Executive Income Protection

Personal life and income protection cover, paid for by your business.

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Executive Income Protection vs Personal Income Protection

income protection comparison points
Executive Income Protection
Personal Income Protection
Policy owner Employing company Life assured
Cover allowed Max 80% of allowable income plus company NI / pension contributions Max 70% of allowable income
Cover limit £300,000 £200,000
Taxation of pay-out Taxable as business revenue or PAYE if paid to employee No tax to pay
Premium tax position Tax deductible for business and no benefit in kind of employee Tax deductible for business but benefit in kind for the employer
Benefit paid to Paid into the business Paid directly to the employee
What can be covered Salary/Dividends/Company National Insurance/ Company Pension Contributions/ Company Life Insurance Contributions Salary/ Dividends/ P11D benefits
Who can arrange Adviser only Adviser or individual with some insurers
Pay-out duration 2, 3, 5 years or to retirement 1, 2, 5 years to retirement
Deferred periods 4, 13, 26 or 52 weeks 0, 1, 2, 4, 8, 12, 26 or 52 weeks

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Commercial Mortgage

Term mortgages secured against commercial property, or semi-commercial property. If you are buying or refinancing residential investment property then please use our 'residential buy-to-let' enquiry form.

Residential buy to let

Individual units to large portfolios, blocks of flats to HMOs, we have lenders ready to lend on all types of residential property. They can be owned in your personal name, in a Ltd Co, LLP, Trust, off shore, on shore, you name it, we have lenders who can do it!

Property Development

From experienced developers, to first time builders, from single units to large scale projects, we have a full panel of lenders and an experienced team of brokers to help find the right package for your needs.

Auction Finance

If you are looking at buying a property at auction (or have won a property) we can help you get finance against it. You may want to develop it and sell it, or rent it out, we can get you the right product for your needs and FAST!

Business Loan

Spend a few minutes completing our simple application form and we will source you a business loan. In some cases, the money could even be in your account within 48 hours.

Invoice Finance

Using invoice finance will improve your cash flow and help your business grow. We have a range of invoice finance lenders who provide flexible low-cost options to help you release funds with slow to pay customers

Asset Finance

If you are looking for assistance in financing piece of equipment, vehicles, or even software, we have a number of lenders that are willing to help, and team of experienced brokers to guide you through the process.