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Common Relevant Life Insurance questions.

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What if I want to close my company?

If you decide to cease trading and close your business, it may be possible to transfer the Relevant Life policy to a future employer, assuming that they are willing to fund the premiums.

Paid personally vs. via your company

Personal Life Insurance policy premiums are paid out on taxed income. A Relevant Life policy premium is paid from your company’s pre-tax profits, attracting Corporation Tax relief.

How long does it take to set up a Keyman policy?

If the person to be insured is in good health, below a certain age, and the sum assured falls below a set threshold, we can submit an online application, and it is possible for cover to start immediately.

Why is Keyman Insurance Important? 

Keyman Insurance is important as it provides financial stability in the event of the death, or long-term illness of a key person.

Is there tax on the lump sum?

A Relevant Life policy is set up in a discretionary trust, so no Inheritance Tax will be payable by your beneficiaries.

Tax-Free Lump Sum

Death in Service

Tax Efficient

Corporation Tax Relief

The Relevant Life Insurance Process

Working with HB Partners



An informal introductory conversation

Your protection experts will work with you to  understand your risks, then take you through the options available to you. Such as how much cover do we need? 

We will look for the most appropriate insurance product to suit your circumstances, whether that be Life cover only, Life and Critical Illness or Income Protection?

Our Expert Recommendation



The right Relevant Life Insurance for you

Our experts will calculate the amount of cover required, then compare the relevant providers that meet your business needs.  We will then take you through the providers and options for you.

With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.

Full Application

If you are the owner of a Limited Company, looking for Life Insurance, we recommend you take out a Relevant Life policy, which is paid for by your business, resulting in a significant tax saving. Benefits of a Relevant Life policy include:

What is 3 + 5 =

Relevant Life Insurance

Tax-efficient cover for Limited Company owners

Call us 01923 964160

If you would like to discuss a Relevant Life Insurance policy, please call us on 01923 964160

Meet the Team

01923 964160


Relevant Life Insurance is a Life Insurance policy to protect your dependants should you die, which is paid for by your limited company, resulting in a significant tax saving.


With a Relevant Life policy, the premium is paid out of your company’s pre-tax profits and is subject to Corporation Tax relief.


The premiums, which are paid for by your business, are not deemed to be ‘benefits in kind’, and therefore do not need to be reported on your annual P11D form.


A typical Relevant Life policy will cover up to 20 times your annual income, although this varies between insurers.

Frequently Asked Questions

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If you have a specific question, click the button below, and we will do our best to answer this for you.

Why use us?

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We are qualified to advise you on your equity release requirements.

Get in touch

Related to Relevant Life

Keyman Insurance

Shareholder Protection

Partnership Protection

Business Interruption Insurance

Employee Benefits

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

What our clients say

"We strive to offer our clients the best possible service, so that they become clients for life.

Your feedback is valued, and by listening to you, our relationship becomes stronger"  

Please click here to see the full list of reviews

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