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Aviva Relevant Life and Critical Illness Policy

Relevant Life Cover with Significant Illness Cover for Employees In the past, relevant life policies only included a death benefit and terminal illness. Aviva brought about a considerable market change with the launch of a relevant life and critical illness policy. This caused disruption amongst insurance providers and many discussions regarding its legitimacy. Regardless, Aviva’s […]

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Life Insurance for a Commercial Mortgage

If you’ve been looking for a new business property, then you might want to look into getting life insurance to protect your commercial mortgage. If a commercial mortgage is placed in your name for the business, whose responsibility is it to pay off if you were to pass away? Chances are, you’ve already explored your […]

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Can you claim life insurance as a business expense?

If you’re a director of a business, it’s likely that you’ll want to invest in life insurance. Whether it’s to protect your business or your family, you can get life insurance through the business. Some options are not tax-efficient, however, there are some life insurance policies that can be claimed as a business expense. How […]

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Can you get life insurance with diabetes?

If you’ve been diagnosed with diabetes, it can often be difficult to get affordable life insurance, if at all. But times are changing, and there are providers now that can offer life insurance policies to people with diabetes. If you’ve been declined before, don’t give up! There’s still a chance you can protect your family […]

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Business Critical Illness Cover or Key Man Income Protection

How to protect your business against the cost of employee sickness Any business owner looks to keep costs low without compromising the quality of the service or product that they provide to keep a profitable business.  With employee salaries being one of the biggest overheads, what happens when a key member of staff becomes seriously […]

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What happens when your term life insurance expires?

What to do when your life insurance policy is about to expire If you own a term life insurance policy, you’re only covered for that period of time. Whether you set the term for, 5, 10, 20, 30 years, there may be a time that you outlive your policy. So, what happens when your term […]

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Whole Life Insurance – Everything you need to know

Whole life insurance is generally more expensive than term life but there’s a lot more to it than expensive premiums. Unlike term life insurance, whole life insurance is not just a benefit paid out upon death. It works as a sort of investment fund to help ensure you get the most out of your money. When […]

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5 Top Tips to Avoid Employee Absenteeism – Updated for 2018

It’s no secret that employee absenteeism can hurt a business. The cost of wages, temporary replacements, HR and admin alone are enough. Let alone lowered productivity output and quality. All of which can have a significant bearing on the health of your organisation. Employee absenteeism and retention levels can have an impact on your company’s […]

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Sole Trader Life Insurance – Key Man Cover

There are 3.3 million sole traders operating in the UK with around 1 in 7 of the workforce is self-employed. Unfortunately, it’s still the case that too few businesses cover the life of the owner. Sole trader life insurance is extremely valuable and can protect the business, the owner’s family and potentially any employees that […]

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Key Man Insurance Tax – How it works

Key Man Insurance Policies and Taxation Key man insurance tax and how it works is something our customers regularly ask about. The main question; is key man insurance tax efficient? Well, it can be. To put a long story short. However, if you’re not taking out key man insurance solely for the benefit of the […]

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