I'm a financial consultant 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, Key person Insurance, Executive Income Protection, Business Loan Protection, and Shareholder Protection.
I have 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.
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.
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.
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.
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.
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.
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.