Protecting Your Team’s families with Tax-Free Relevant Life Cover
Relevant Life Cover gives company directors and key employees peace of mind by providing valuable life insurance through the business.
Premiums are paid directly by the company and treated as a legitimate business expense, making this one of the most cost-efficient ways
to protect your team and their families.
Unlike personal life insurance, Relevant Life Cover has no P11D benefit in kind, so employees won’t face additional tax.
Policies are written into a discretionary trust, ensuring that claims are paid out quickly and tax-free, without inheritance tax liability.
This makes it an attractive option for high earners who also want to preserve pension allowances.
How It Works
- Company pays the premiums — not the employee.
- Classed as a business expense and corporation tax deductible.
- No P11D benefit in kind, so no extra tax for staff.
- Claims paid via a trust — tax-free and outside inheritance tax.
- No impact on pension lifetime or annual allowances.
- Structured in line with HMRC rules
We work with a panel of specialist providers to compare options, ensuring you get the right level of cover for your needs
— with transparent terms, competitive pricing, and no hidden surprises.
This service is completely free and comes with no obligation.
Tax-Efficient Protection
Relevant Life Cover provides life insurance for directors and key employees that’s paid for by the business. Company-paid premiums are treated as a corporation-tax-deductible expense with no P11D benefit in kind—a cost-effective way to protect your team and their families.
Clear, Compliant Structure
Policies are written into trust so claims are paid tax-free and outside the estate meaning no inheritance tax and no probate delays. Cover is HMRC-recognised, and it doesn’t count towards pension lifetime or annual allowances, keeping retirement planning intact.
Specialist Support
Speak to Relevant Life experts who understand director and employee benefits. We coordinate with advisers who help you compare leading providers for clear, competitive cover and deal with the application and trust documentation.