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Business life insurance
for directors, managers
and employees

Find out about the best life insurance policies for your business needs. Whether you’re looking for key man insurance, relevant life cover, shareholder protection, partnership protection and critical illness, our business life insurance specialists can provide free advice and quotes.

Compare Key Person Cover

Our Services

  • Key Man Insurance

    Protect your business from the financial impact of the loss of a key person with a key man insurance policy.

    Find out more
  • Relevant Life Policy

    Relevant Life Cover is a tax-efficient life insurance plan for senior executives and company directors.

    Find out more
  • Shareholder Protection

    Protect your business with life insurance for shareholders that helps to buy back their share in the business.

    Find out more
  • Partnership Protection

    Stay in control of your business in the event of a partner falling critically ill or passing away with a partnership protection policy.

    Find out more
  • Business Loan Protection

    Prepare for the future and protect your business financial loans with a life insurance policy to help cover the costs.

    Find out more

Our
Mission

At Business Cover Expert, our mission is to help businesses and directors find the best business life insurance for them. Whether you’re looking at protecting the business or your employees, we can help. We compare a range of life insurance plans to help you get the best product on the market.

By using Business Cover Expert, we hope you will find the best options available to safeguard your business should the worst happen.

Free, Qualified Advice on Business Life Insurance

We offer free advice on business life insurance policies such as key man insurance, relevant life plans, shareholder protection and partnership protection. Our team can also help you decide if you would like life with critical illness too.

All the advice that we provide at Business Cover Expert comes free of charge, with no obligation to buy. We have partnered with qualified advisers to provide you with sound financial advice on your life insurance options for your business.

How Life Insurance Helps your Business

A business life insurance plan can help to protect your business and employees when it comes to an unexpected death. It can be provided as an employee benefit to retain and hire loyal, high-calibre employees. A life insurance policy can also be established to financially protect your business. In the event of a death, a lump sum can be paid out to the owners to help maintain financial stability. It can help to cover the loss of profits, recruitment, training and any other associated costs to keep your business afloat.

How it Works

Finding a business life insurance policy that’s right for you

Your Name

Get Quotes

1) Fill out a quote form

2) Confirm your details

3) Get your quotes via email

Business Cover Expert was established to save our customers time and money when choosing their life insurance policies. Your dedicated adviser will take into account your specific needs and business requirements so that we can find the best business life insurance policy tailored to your needs.

We provide a free comparison of 5* Defaqto life insurance providers in the UK, leaving you to make an informed decision about which policy you would like to suit your budget.

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We are partnered with top insurance providers

The panel we use includes some of the most highly respected providers in insurance.




Why Choose Business Cover Expert?

Comparison of top providers - We'll compare the top UK providers specifically with your needs and budget in mind. All you need to do is select the one that suits you the best.

Personal Protection We have partnered with fully qualified advisers who take the time to understand your business needs to help you with your business life insurance policy. They’re here to help you with professional financial advice and find you the right protection that suits your specific needs.

Fast, Easy Application Process - We do all the hard work when it comes to trusts and applications to make it easy for you as possible

Free Advice - Our advice is completely free with no obligation to buy

Great Reviews - If you don't believe us, just check out our reviews.

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What our customers say

Frequently Asked Questions about Business Life Insurance

We often get asked plenty of questions about business life insurance and the types of insurance that are available.
To find out more about how it can help your business, check out some of the more frequently asked questions below:

What is Business Protection?

Business life insurance helps to cover key individuals who are crucial to keeping the business afloat. Business protection can protect your business from any loss of profits should an individual become seriously ill or die. It can also cover death in service or Relevant Life plans for employees.

Business life insurance is a broader term that can cover key man insurance, shareholder protection, business loan protection, partnership protection, relevant life cover and critical life insurance.

What is Key Man Insurance?

Key Man insurance or key person insurance provides a cash lump sum on the death of a key individual. It can help to cover the cost of recruitment, training, temporary cover or any loss of profits during this time.
Read more about key man insurance.

What is Shareholder Protection Insurance?

Shareholder protection protects the business owners when a shareholder passes away. It provides the remaining shareholders with a financial sum to retain control of the business and buy back the share. It also ensures the family get a fair price for the share whilst keeping the business running.
Read more about shareholder protection.

What is a Relevant Life Policy?

Relevant life cover is a death in service benefit that can be offered to employees by the business. A relevant life plan can help to hire and retain high calibre employees with a tax-efficient death in service benefit.
Read more about relevant life insurance.

What is Business Loan Protection?

Business loan protection is a life insurance plan to protect the business when a loan holder or owner passes away. It enables the remaining business owners to meet existing loan repayments and stay financially stable in the event of a death.
Read more about business loan protection.

What is Partnership Protection?

Partnership protection is a life insurance policy taken out by each partner. It helps to ensure that should a partner pass away, the business can continue to run as normal and the remaining partner can purchase the other half of the business.
Read more about partnership protection

How do I know which Business Life Insurance policy is right for me?

Choosing the right Business Life Insurance policy for you can be a difficult task. It also depends on your specific circumstances, existing policies and individual health information.

That’s why our partnered advisers are on hand to help decide which is right for you.

In addition to this, our website contains a brief overview of the types of policies on offer. Once an adviser has spoken to you about your specific requirements, they can provide you with accurate quotations on your life insurance. That way, you can make an informed decision on which business life insurance policy suits you best.

How do I get a business life insurance quote?

As life insurance is specific to an individual’s health, to provide an accurate quotation will involve speaking to an adviser. It takes just a few minutes to fill out a quote form on our website which comes straight through to our professional advisers.

From the information you provided, one of our partnered and qualified adviser will get in touch to find out more about your specific requirements. A quick health and lifestyle questionnaire is also completed to get as accurate a quote as possible.
Get Started.

How do I get Tax-Efficient Life Insurance?

There are some policies, such as Relevant Life Cover and key man insurance that benefit from tax efficiency. This can involve tax relief on Income Tax, Corporation Tax, Inheritance Tax and National Insurance contributions. For more information on specific policies, an adviser can help provide more clarity based on your specific insurance requirements.

I already have a policy; can I get another one?

If you already have a life insurance policy and are looking to add to this, we can help find the right amount of coverage that will work for you. Alternatively, we can help you renew a policy or find an alternative one if your existing policy is coming to an end.

I need a personal life insurance policy – can you help me?

If you’re looking for a personal policy instead, we can help you with that too. Our partnered advisers can help compare individual policies, as well as business life insurance. If you would like to take out a personal life insurance policy, you can fill out a quote here.

Why is your advice free?

At Business Cover Expert, we are passionate about life insurance as we know how much of a difference it can make to your family. We provide a comparison service for our customers so that they can make more informed decisions to suit them. We believe life insurance should be affordable, so we don’t charge a fee for our advice, helping you get a policy that fits your budget and suits you.

I’m not sure if I’m able to get cover – what do I do?

If you have an existing health condition or have been turned down for a policy before, we can help advise you on whether we can find any sort of cover from you. We’ll compare all the top UK providers to see if we can get cover for you. It may be that we have to take another look at the amount of cover you’re offered or change a policy slightly but we always strive to get you some cover to protect your business and your family.

What questions are asked during the health questionnaire?

The health questionnaire is designed to ask questions that the underwriter will ask when setting up your policy. Whilst some of these questions may be sensitive, our partnered advisers are all professionally and fully trained to handle these questions with sensitivity and understanding.

If you would prefer not to disclose medical information over the phone, you can fill out a secure medical form online instead which is only dealt with by your specified adviser and the insurance company that underwrites the policy.

Is my data confidential?

At Business Cover Expert, we are fully compliant with GDPR regulations. All your information and data is kept confidential on our records and only shared with the third party when it comes to setting up your policy. All informed stored is encrypted and used only for the purposes of setting up your life insurance policy.

Any information that is not required is not kept on our system. You have the right as an individual to request to see, remove or withhold any personal data.
Read our Privacy Policy.

How long does it take to set up a policy?

Once you’ve decided on a policy, we process the application straight away. If you’re fit and healthy, life insurance coverage can begin with 24 hours once all the paperwork is completed. However, if a GP report or medical exams are required, it can take a little longer to get the policy set up, depending on the response times from your GP.

Whatever is required, our aim is to get your life insurance policy set up as quickly and easily as possible, keeping you informed along the way.
Get Started.

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