Services
Executive Income Protection
- Highly tax-efficient Director/Employee Income Protection to ensure that should they not be able to work due to any accident or illness, they are still able to draw a regular income from the company to help cover monthly expenses and provide financial security for their family.
- The monthly premiums are paid through the company as a tax-deductible expense and offset to reduce your annual Corporation Tax bill.
- In the event of a claim, the benefit will be treated as a trading receipt. However, it will also be treated as a trading expense, when it is used to fund sick pay for the employee – resulting in a neutral tax position.
- Typically covers up to 80% of an employees annual income (includes PAYE & dividends)
Protection For All Businesses
As well as Limited companies, we can also advise on the protection options available to Sole Traders, Partnerships & Limited Liability Partnerships including:
- Key Person cover
- Income Protection
- Shareholder and Partnership Protection
- Loan Protection
- Critical Illness cover
- Group Life, Group Critical Illness & Group Income Protection for companies >3 people
Wills & Estate Planning
Having a tax-efficient Will in place to protect your family is essential. Ensure your children don’t lose out in the future by leaving everything in Trust. Protect your Estate from future partners, generational Inheritance Tax and care costs.
Lasting Powers Of Attorney
Lasting Powers of Attorney (LPA) allow your loved ones to make all the decisions for you whilst you are alive, but have lost mental capacity due to accident or illness. This will cover your Health, Welfare, Finance, Property and Business needs.
Wills, Estate Planning, Trusts & Lasting Power of Attorney services are referred to a third party. Neither Relevant Life Insurance Specialists nor The Right Broker Ltd are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.
