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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

591 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

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John Tracey

Rated 5.00 stars out of 5

Great service and advice. All options from whole of market given. Easy process and great outcome. Would recommend to anyone.

"Rachel Owen"

Rated 5.00 stars out of 5

Couldn’t thank Iain and Jo enough for all they did for me, would definitely use again and recommend to anybody, they have been fantastic. Thank you so much!

Anonymous

Rated 5.00 stars out of 5

fast trustful, very helpful. I will definitely come back again.

DANIEL S Z M BOCTOR

Rated 5.00 stars out of 5

Rebecca Jones from the B2B team has been fantastic to work with. Thank you for all your efforts. She was able to facilitate an excellent deal for us, for a very difficult case in a difficult market. We are very pleased indeed. Thank you Rebecca for all your support and making the journey as smooth as possible for us! We really appreciate all your h...

Anonymous

Rated 5.00 stars out of 5

Great help from Jodie.

Robert Pulford

Rated 5.00 stars out of 5

Absolutely the best service I have ever received from a firm of finance brokers. Andy Jones and Jo McCarthy were superb and I would always recommend them. The thing is they always come up with an answer and so many brokers just ignore you and don’t come back!

Rated 4.91 out of 5 based on 591 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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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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