The Insurance Broker Built For Business Owners

An extremely tax-efficient life insurance policy for businesses to provide for individual employees, including directors. Premiums are eligible for up to 25% corporate tax relief and are not subject to employer NIC cost. Directors and employees benefit from the absence of P11D charges, reducing their National Insurance and income tax liabilities.

This policy is designed to cover the salary and pension costs of employees or directors who are unable to work due to illness. It's typically classified as a tax-deductible business expense and doesn't generate a P11D benefit for the insured individual.

A form of business insurance that provides a lump sum to the company if a key employee dies or is diagnosed with a terminal or critical illness. The capital is intended to offset potential losses in revenue or profits resulting from the loss of the key individual.

Also known as shareholder or partnership protection, this insurance helps businesses manage the financial implications of a shareholder's or partner's death. It typically consists of life insurance and may include critical illness cover. The policy aims to provide funds for the remaining owners to purchase the deceased's share of the business.

This insurance provides access to private healthcare services for individuals, families, or employees. It typically covers the costs of inpatient and outpatient treatments, allowing policyholders to receive medical care more quickly than through public healthcare systems. Coverage can vary but often includes consultations, diagnostics, and surgical procedures.

A type of insurance designed to help businesses repay outstanding debts in the event of an owner's or key person's death or critical illness. It can cover various forms of business debt, including commercial mortgages, director's loans, and Personal Guarantees, helping to maintain the company's financial stability during challenging periods.