Protect the people.
Protect the business.
Your business depends on people. Protected Life helps you explore cover for the financial impact of losing a director, shareholder or key employee, with advice shaped around how your business works.
Your protection options
Built around your business.
Relevant Life
Life cover, arranged by your company.
A Relevant Life policy allows an employer to provide individual life cover for an eligible employee or salaried director. The business pays the premiums, and a qualifying death benefit is paid through a trust to the chosen beneficiaries.
It may offer a tax-efficient way to provide death-in-service cover. Eligibility, tax treatment and the trust arrangement depend on your circumstances, so these should be reviewed before setting up a policy.
Speak to an adviserKey Person Insurance
Breathing space when a vital person is lost.
Some people are especially important to your revenue, expertise or day-to-day operations. Key Person Insurance can pay a lump sum to the business if an insured person dies, or suffers a specified critical illness where that cover is included.
The money can help manage lost profits, recruitment costs or disruption while you plan the next steps. The level of cover should reflect that person’s contribution and the financial impact of their absence.
Speak to an adviserExecutive Income Protection
Support for income during illness or injury.
If an insured director or employee cannot work because of illness or injury, Executive Income Protection can pay a regular benefit to the employer. This can help the business continue providing sick pay.
The benefit, waiting period and payment term need to suit your remuneration and existing arrangements. Cover is subject to the insurer’s definition of incapacity and policy conditions.
Speak to an adviserShareholder Protection
A plan for the future of ownership.
The death or serious illness of a shareholder can leave the business and their family facing difficult decisions. Shareholder Protection can provide funds to help the remaining owners buy the affected shares following a valid claim.
Insurance needs to work alongside an appropriate legal agreement and an agreed approach to valuation. We help you explore the protection, with legal and tax input where needed.
Speak to an adviserCover, exclusions and eligibility vary between insurers. Tax treatment depends on individual circumstances and may change. Business protection arrangements may also require legal and tax advice.
How We Work
Our team works with a wide range of leading UK insurers, carefully comparing policies, features and benefits to find the right level of protection for each client’s individual needs and circumstances.
Talk to Protected Life
Let’s talk about your business.
Tell us about your team, ownership and priorities. We’ll help you understand the protection options worth considering.