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UK FINANCIAL ADVISER SPEACLISING IN TAX EFFICIENT INSURANCE FOR COMPANY DIRECTORS

FINANCIAL ADVICE TO PROTECT TOMORROW

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ABOUT ME

I'm a financial adviser who specialises in advising and arranging tax efficient insurance for company directors and staff where eligible.

I can help if you need to compare life insurance, critical illness cover, income protection or business protection. The business protection products that I advise are Relevant Life Insurance, Keyperson Insurance, Executive Income Protection, Business Loan Protection, and Shareholder Protection.

I'm  the Managing Director of Business Protection Advisory Ltd who are a registered individual of Vantage Health and Life Ltd, who are a trading style of 1st Call 4 Mortgages (UK) Ltd, who are regulated under the FCA, this gives me access to a comprehensive panel of Defaqto 5* rated insurance providers for protection against death and serious illness, all of which have comprehensive cover to make sure that  you have good protection in place should you need to make a claim.

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LIFE INSURANCE

Life insurance pays out a lump sum to your dependants should you pass away during the term of the policy.  The cost of a policy is determined by a number of factors including your age, health and lifestyle.

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CRITICAL ILLNESS COVER

Critical illness cover, also known as critical illness insurance, is a

 policy which covers serious illnesses. It can pay out a lump sum if you're diagnosed with an illness that meets the policies definition.

INCOME 

PROTECTION

Taking out Income Protection Insurance means you'll be paid a monthly, tax-free income if you are signed off by your doctor as being unable to work due to illness or injury. 

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WHOLE OF LIFE 

INSURANCE

Whole-of-life insurance is designed to last as long as you do. You pay in a premium every month and when you die, the policy pays out a lump sum to your loved ones.

RELEVANT

LIFE INSURANCE

Relevant life insurance is a type of policy that a business can take out to provide life insurance for an individual employees including directors, monthly premiums receive corporate tax relief, national insurance relief, and income tax relief.

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EXECUTIVE
INCOME PROTECTION

Executive Income Protection is designed for small and medium businesses to cover the cost of providing sick pay benefits to an employee. 

Usually counts as a tax-deductible expense for the employer with no P11D.

KEY PERSON INSURANCE

Protect your business against the impact of critical illness, terminal illness or death of your most integral employees.

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SHAREHOLDER

PROTECTION

Designed to protect a company from the potentially damaging financial implications of one of its shareholders' or partners' death, shareholder (otherwise also known as director share or ownership) protection insurance typically consists of life insurance to which critical illness cover may be added.

WHY YOU SHOULD CHOOSE

AN ADVISOR

Unlike insurance agents, as an advisor I work for you rather than the insurance companies.  

As a Financial Advisor I use my knowledge and experience to help you assess your unique insurance needs, find the best coverage and value, and can assist you when making a claim.

COMPARING INSURERS

Working under the banner of the The 1st Call 4 Mortgages (UK) Ltd enables me to retrieve competitive quotes in the market place from Defaqto rated insurers.  Defaqto is a service that compares financial products. It then gives them a star rating based on the features and benefits they offer, with 5 stars being the top rating.

WHO REGULATES ME

I represent Vantage Health Ltd who are a trading style of 1st Call 4 Mortgages (UK) Ltd,

who are authorised and regulated by the Financial Conduct Authority.

1st Call 4 Mortgages (UK) limited’s permitted business is advising and arranging mortgages and

non-investment insurance advice.

You can check this on the Financial Services Register

by visiting the FCA’s website www.fca.org.uk or by contacting the FCA on 0800 1116768.

Customer reviews

August 2020

Stephen came to visit me, he explained everything in a way I understood. Would recommend.

Ciaran Nelson

April 2021

Stephen was extremely helpful and professional. He went the extra mile in sorting and explaining things regarding insurance. Would definitely recommend him.

Liz Greer

16th September 2020

Stephen explained everything in detail and was very thorough, much better than the last broker we had round. Would recommend to anyone.

Paul Mulligan

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