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 QuestionsFree Amazon gift card worth*
£150Cover up to age
75£750k cover from
£20 pm*Available to claim on the 3rd successfully collected monthly premium over £100.
Cost Efficient
Start your cover straight away from just £20pm
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.
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.
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George Charalambous
Amanda was extremely helpful. She is good at communicating and helped me with my enquiry.
Andy
Used Amanda again to arrange finance on a holiday let. She's very patient, knows the market and gets on with arranging your finance without a fuss. Would recommend without doubt - she always works with your best interests at heart
Shane
I originally called on Iain Humber’s knowledge and services a few years ago when attempting to buy a commercial property at auction. We didn’t get it, but what shone through was his diligence, knowledge of the market and people skills. He has it all in abundance. So when another property came up, late last year, I didn’t hesitate to call Iain and w...
HR Homes Limited
B2Bfinance were efficient at finding competitive mortgage products for B2L and Commercial mortgages within a limited company. Andy Small had great communication and was effective at making sure all communications from the lenders were quickly addressed.
Alison
I highly recommend Paul Misner of B2B. My refinancing was happening just as rates were rising. Paul provided excellent advice, calm guidance and was timely and professional in execution. The entire process was calm and constructive with Paul managing communication between the different parties. Thank you Paul Kind regards Alison
James A
I have used David Holloway at B2B Finance for many years now and it is without doubt a 5 star service handling sourcing and arrangement of commercial mortgages for me. David (and B2B Finance) are a pleasure to deal with, going the extra mile and delivering a positive outcome. I have a built a strong and trusting relationship with David who would al...