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Relevant Life Insurance

Relevant Life Insurance protects your business against the loss of a key person

Would your business survive without you?

Business protection could help your business to continue to trade should a key person or the business owner die or become terminally / critically ill. Proceeds from the policy could help ensure that key individuals are replaced, corporate debt is protected and shares from the deceased partner’s/director’s estate are purchased.

Life protection for individuals via a business work in a similar manner to life protection in a personal environment with ‘Whole of Life’, term protection and serious illness cover. These can come in the way of group life schemes, to offer all employees a certain level of cover.

Relevant Life Protection

A Relevant Life Plan

A Relevant Life plan is a tax-efficient manner of providing individual death in service benefits for your employees, including company directors. Relevant Life plans are similar to most other types of life cover except they aim to provide a tax efficient benefit provided by an employer for an employee. Therefore, the employee does not pay income tax or national insurance on the premiums – for a higher or additional rate taxpayer, this can be a significant savings. The employer also benefits through claiming tax relief on the premiums as part of the employees remuneration. A Relevant Life Plan is designed to be written in a trust at outset, with the employee’s family and dependants as beneficiaries.

Our Process

With our professional mortgage advisers you can expect the following:

We’ll have an initial discussion to discuss your requirements.

Review the market
Find the most suitable product to meet your needs.

Report and Recommendations
Report our findings, including a full recommendation outlining our rationale.

Full Submission
Submit an application, along with supporting evidence for the provider and see through to completion.

Ongoing Support
Provide support with all your future mortgage and life assurance requirements.

Bigmore Mortgages

Telephone: 01932 253939

Client Portal

Manage your mortgage online.
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Other Services

"We had previously used Chris' services to acquire a mortgage and we were very happy and impressed with his services, and decided to use his top notch services again. His service is worth the money."

Stephen Potgieter
Walton on Thames

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