Relevant Life Insurance

A tax-efficient life insurance policy, allowing companies to offer a death-in-service benefit to its employees (including salaried directors). It’s set up by the company and pays out a tax-free, lump sum on the death (or diagnosis of a terminal illness) of the person insured.

Key Person Insurance

Key Person* cover is life insurance (which can also include critical illness cover) taken out by a business on the life of someone crucial to the business. It provides a financial safety net if a key member of staff dies or is diagnosed with a serious illness (if Critical Illness Cover is included). The proceeds from the policy are paid directly to the company or partners, helping them to protect their profits or clear business debt to continue trading as normally as possible.

*A key person is any member of staff who has a direct impact on the business’s profits, such as the business owner, director, sales person or any employee with specialist skills or expertise.

Share & Partnership Protection

Share Protection* and Partnership Protection**, can help business owners keep control of their company if one of them dies or is diagnosed with a critical illness; it also ensures the deceased’s family are fairly treated.

The cover you recommend depends on the business set-up:

*Share Protection is for limited companies (life insurance taken out on the life of the company’s shareholders)
**Partnership Protection is for partnerships and limited liability partnerships (life insurance taken out on the lives of the business partners)

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      How it Works

      Mortgage Protection

      It is crucial to protect your new home, your income and your mortgage. We offer you free independent expert advice, explain your options and help set up your policy.

      Solicitors

      Having previous experience of working in the conveyancing legal sector, we have a great understanding of the legal process of buying, selling and remortgaging a property.

      We can also recommend very competitive conveyancing firms who will be able to provide all the legal advice you need.

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      Our Insurers

      We work with the UK’s leading insurance companies to bring you more choice and better value.