Key Man Insurance UK Specialists

Key man insurance provides UK businesses with a financial safety net if a key man or woman is lost due to death or critical illness.  The lump sum payout can be used to cover lost revenue, attract a replacement and ease the transition during the period of recovery. Ultimately, Keyman Insurance lets you focus on moving forward – not fretting about the bottom line.

Relevant Life Insurance offers tax-efficient life insurance for employees of UK businesses. The policy pays out a lump sum via a trust to the beneficiaries in the event of death. Unlike personal life insurance, premiums are tax deductible against corporation tax. Relevant Life Cover also avoids payroll taxes and personal taxes for the employee.  Relevant Life provides your employees with a valuable benefit and shows you care about their future and their families.

Shareholder protection insurance lets UK business owners safeguard against the loss of a crucial shareholding partner. This policy pays out a tax-free lump sum if a major shareholder were to pass away or be diagnosed with a critical illness that forces them to leave the company. The payout makes sure the remaining shareholders can buy out the departed owner’s shares. So you avoid potential issues like acquiring new partners with different visions or even dissolving the company entirely. By securing shareholder protection cover, you guarantee continuity and control if the unexpected happens. Making this investment cements partnerships and locks in the shares that shape your business’s future.

Business loan protection insurance provides a lifeline for UK companies if a key debtor passes away. This policy covers the outstanding balance on a director’s loan or shareholder loan. So your business avoids scrambling to find substantial cash if tragedy strikes. The payout goes directly towards settling the company’s outstanding debt. With business loan protection in place, you can build growth strategies around director lending without worrying about financial disruption if a key leader is lost.