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Life Cover, Paid for by your business

Get £750,000 of life cover for as little as £20pm. Free Amazon gift card worth £150*.

Frequently Asked Questions

Excellent

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533 reviews

Free Amazon gift card worth*

£150

Cover up to age

75

£750k cover from

£20 pm

*Available to claim on the 3rd successfully collected monthly premium over £100.

Protection for directors and employees
Tax free lump sum paid to your beneficiaries
Up to 30x your gross annual earnings
No benefit in kind tax

Cost Efficient

Start your cover straight away from just £20pm

Age 30
benefit amount
£750,000
term
20 Years
cost
£20 pm
Age 40
benefit amount
£750,000
term
20 Years
cost
£46 pm
Age 50
benefit amount
£750,000
term
20 Years
cost
£110 pm

How It Works

Complete Online Enquiry

Tell us about you and your business with our quick and easy online form.

Receive Quote

Our adviser will provide you with a quote from a panel of top providers in the UK.

Support

We will guide your case through the underwriting process.

Protected

Peace of mind to know that you are protected.

Get Quote

Frequently Asked Questions

Need answers? We got 'em.

A Relevant Life plan offers a cost-effective way for an employer to arrange life cover on the life of an employee (or director), with the benefit payable to the employee's family or financial dependant.

Premiums are paid, and the policy is owned, by the employer.

Read more about Relevant Life on our guide.

Relevant Life is payable on death or an earlier diagnosis of a Terminal Illness (12 months or less to live). There is an option to include an amount payable on diagnosis of a serious illness such as cancer, heart attack or Stroke etc.

No, Relevant life plans are non-registered arrangements. The premiums paid by an employer wouldn’t constitute a taxable benefit in kind, as the policy will purely be providing retirement (in the form of terminal illness cover) or death benefits

A relevant life policy can not be used for business loan cover, business continuity or business succession planning.

Any employee or director of a limited company, or an employee of a partnership, charity or a sole trader. However, sole traders or equity partners themselves are not eligible for a Relevant Life policy.

The claim proceeds won’t be subject to income tax, or corporation tax. The policy will be held in a Discretionary Trust, therefore there will be no inheritance tax (IHT) for the estate to pay on death, but, like all non-pension discretionary trusts, the trust itself can be subject to periodic and exit charges.

The trustees will administer the trust on the behalf of the beneficiaries. The trustees can be other shareholders/directors of the business, or friends/family members. The beneficiaries would typically be your dependants E.g wife and children.

All insurers have limits on the amount of cover you can have, this is usually based on your income from the business and your current age, an example is as follows:

Up to age 35: 30 times salary Ages 36-50: 25 times salary Ages 51-60: 20 times salary Ages 61+: 15 times salary

Income could include regular bonuses, commission, overtime and P11D benefits. In the case of a shareholder/director, dividends are taken into account. There are some Insurers that will only apply these limits when you are looking at a cover amount in excess of £1,000,000.

Some insurers will provide cover up to aged 75.

Excellent Service

Don't just take our word for it. Read our latest reviews.

Anonymous
Rated 5.00 stars out of 5

Iain has been fantastic from start to finish. Right from the off the process of information gathering was painless and he managed to find and recommend a number of mortgage options that suited my needs. He was a very helpful hand even towards the end of the process and was a great link between myself and the mortgage provider.

Patrick Oliver Hughes
Rated 5.00 stars out of 5

Amanada Worthington at B2B is fantastic and I would highly recommend her services. Great contact and I can speak highly enough of her.

Pavan
Rated 5.00 stars out of 5

Jayne has simply been fantastic! I needed some urgent funding which had to be completed within a certain time period due to a court order, otherwise I would have lost the opportunity. Jayne pulled out all the stops and managed to secure me a very competitive deal. She continued to provide amazing support through the entire process and often pic...

Elmar
Rated 5.00 stars out of 5

Due to a somewhat complex initial situation, it seemed difficult to obtain financing or no mortgage broker was really interested in dealing with my case. Then I met Tim. From the first moment I felt that someone was actually listening to me and had an interest in supporting me. Tim was amazing. The communication was extremely good and everything wo...

Anonymous
Rated 5.00 stars out of 5

Dealing with Amanda Worthington is very simple and fast service, Amanda always very helpful, Highly recommended.

Mandeep Dosanjh
Rated 5.00 stars out of 5

Amanda Worthington you are just amazing. I am so so happy we got service by you. I can’t explain how helpful you are .you are too good for your job. Thank you so much for everything.

Rated 4.90 out of 5 based on 533 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.

About Us

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B2Bfinance.com operates as a commercial finance broker and is not a lender. B2Bfinance.com is a full member of the financial intermediary and broker association (FIBA) and operates under its code of practice.

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  • info@b2bfinance.com
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  • Monday - Friday, 9am - 5pm
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