Life cover through your company. Tax-efficiently.

A Relevant Life Plan is life insurance paid for by your limited company. Premiums are a corporation tax-deductible business expense. The payout is free of income tax and inheritance tax. Typically 40–50% cheaper than the equivalent personal policy.

Initial consultations are completely free of charge. There's no obligation to proceed and there is no fee for protection advice.

Should you fail to disclose or misrepresent a fact, then you risk the insurer only paying part of a claim, declining to pay all of the claim or possibly declaring the policy invalid.

• Company pays premiums (reduces corporation tax)
• Payout free of income tax if written in trust
• No P11D or benefit-in-kind implications
• Available to directors, employees and their spouses
• Works alongside personal policies

Relevant life cover is a life policy that a company takes out on an individual employee or director, with the business paying the premiums. The payout goes to the person's family through a trust rather than to the company.

For company directors it is often a more tax-efficient way to hold personal life cover than paying for it out of taxed income. Whether it works better than a personal policy depends on your setup, and it is worth checking with your accountant alongside me.

Talk to me before you decide anything.

Free call, no commitment. I'll give you the honest picture and a recommendation that's right for you.