How It Works
Tell us about you and your business with our quick and easy online form.
Our adviser will provide you with a quote from a panel of top providers in the UK.
We will guide your case through the underwriting process.
Peace of mind to know that you are protected.
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.
Don't just take our word for it. Read our latest reviews.
Easy to deal with, efficient
Jodie helped to refinance an existing bridge loan with a BTL company mortgage. Exceptional service and helped to address the refinancing under time constraints. Could not recommend more highly. Will definitely go to her for my future mortgage requirements.
Very professional and honest. This is a rare example of a genuine service from a highly experienced and efficient organization led by Iian Humber Excellent and simply the best.
As always a 5 star plus service. Efficient, organised, proactive and thoroughly professional in every aspect. Cannot ask for any more