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Executive Income Protection

An Executive Income Protection plan offers a cost-effective way for an employer to continue to pay an employees salary. Premiums are paid, and the policy is owned, by the employer.

Frequently Asked Questions

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433 reviews

Protection for directors and employees
If you fell ill, how would your business pay you?
Protect your salary and pay no benefit in kind tax
Keep your business stable while you recover from an accident or illness

Cost Efficient

Start your cover straight away from just £20pm

Age 30
benefit amount
£3,500 pm
Deferred period
26 weeks
Paid until
Age 65
cost
£39 pm
Age 40
benefit amount
£3,500 pm
Deferred period
26 weeks
Paid until
Age 65
cost
£62 pm
Age 50
benefit amount
£3,500 pm
Deferred period
26 weeks
Paid until
Age 65
cost
£108 pm

How It Works

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Support

We will guide your case through the underwriting process.

Protected

Peace of mind to know that you are protected.

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Frequently Asked Questions

Need answers? We got 'em.

The benefit is payable should an employee/director become unable to work due to accident or illness which resulted in a loss of earnings.

Up to 80% of the employee’s pre-incapacity earnings and dividends, as well as the option to include the employers NIC’s and pension contributions. You can also cover a spouse or registered civil partner’s gross earnings and or dividends (that would stop in the event of the employee being unable to work due to illness or injury).

The person covered must be an employee of a UK business, which can include salaried company directors. The product is designed to predominantly cover employees of Limited Companies. There are some scenarios where insurers may consider cover for dividends only.

Based on our current understanding of the tax rules that apply which could change in the future. The premiums that you pay will not be treated as a P11D expense for the employee.

In the event of a claim, the benefit would get paid tax free into the company. However when the company pays the benefit to the employee, standard tax rules apply.

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Rated 4.90 out of 5 based on 433 reviews

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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