Whole-of-market access, including cover from
Protecting your business and the key people it depends on, from relevant life plans to shareholder protection and business loan cover.
Whole-of-market access, including cover from
A tax-efficient way for a business to provide life cover for an individual, whether an owner, director or employee, with corporate tax relief and no employer NIC.
Learn more →Funds remuneration and pension costs if an employee or director can't work due to ill health, usually tax-deductible for the employer.
Learn more →Capital for the business to protect against loss of profit if a key employee dies or becomes critically ill.
Learn more →Protects a business from the potentially damaging financial implications of a shareholder or partner's death.
Learn more →Covers commercial mortgages, director's loans, and personal guarantees if something happens to a key individual.
Learn more →Life, income protection, or health cover extended across your wider team as a valued employee benefit.
Learn more →Can be set up for business owners and employees alike, giving fast access to private treatment and specialists as a valued benefit or for yourself.
Learn more →One of the most overlooked parts of business protection is how much more tax-efficient it can be than paying for cover personally. A few of the questions I get asked most often:
If so, you're likely paying those premiums out of income that's already been taxed, which is one of the least tax-efficient ways to fund cover. In many cases, routing it through the business instead, typically via a Relevant Life Plan, means the premiums are paid before tax rather than after it.
The business takes out and pays for the policy on your behalf. Premiums usually qualify for corporation tax relief as a business expense, and because it's a Relevant Life Plan, there's normally no employer National Insurance, no P11D benefit, and no income tax or National Insurance for you personally. The payout is written in trust, so it's typically outside your estate for inheritance tax too.
Yes. A Relevant Life Plan is personal life cover for you or an employee, funded tax-efficiently through the business. Key Person and Shareholder Protection instead protect the business itself, against the financial impact of losing a key individual or an owner's share changing hands.
Most limited companies can set this up for directors and employees. It's worth a quick conversation to check your specific structure and circumstances before assuming either way.
Real reviews from Google, from people I've helped with their protection.
"I'm really grateful for the help and support I received from Johanna when arranging my life insurance. From the very beginning, she made me feel comfortable and took the time to understand what was important to me. She explained everything clearly and was always happy to answer any questions I had. The whole process felt much easier and less stressful knowing I had someone I could trust guiding me through it. I wouldn't hesitate to recommend her to friends and family."
"I can't thank Johanna enough for the fantastic service she provided. She made the whole process of arranging my life insurance so easy and stress-free. Everything was explained clearly, and she was always friendly, professional, and happy to answer any questions I had. I felt completely looked after from start to finish, and the service was genuinely outstanding. I would highly recommend Johanna to anyone looking for help with life insurance or financial advice."
Match Financial Partners Ltd is authorised and regulated by the Financial Conduct Authority (under number 983246 in respect of mortgage, insurance and consumer credit mediation activities only).
You can check this on the Financial Services Register by visiting the FCA's website www.fca.org.uk or by contacting the FCA on 0800 111 6768.