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Business Insurance

Public Liability Insurance

why use us?

From the information you provide to us, our experts will search the market and find the most suitable products for you. If you are happy with the product on offer, we will handle all the necessary paperwork for you, including any relevant applications, to ensure that everything runs smoothly for you.

Quick Service

From just a few minutes completing some basic information, we will quickly search for suitable financial products for you.

Expert Advice

We’ve helped thousands of customers secure financial products and service so you know that you are in capable hands.

Reduced stress & time saving

Choosing the right financial product is time consuming and can be stressful, so remove much of this by putting it in the hands of one of our financial experts.

Reliable service
Whatever type of financial product or service you are looking for, our service is reliable and always matched to your own personal circumstances.

Public Liability Insurance

What is a Relevant Life Policy?
Relevant Life Policy is used in order for a small to a medium business employer to give their individual employees a death in service benefit. It is more beneficial for those businesses who don’t have enough employees to create a group scheme. It is often used to insure the business owners in a highly tax-efficient manner.

These policies are owned by the business itself. The policy is written into trust and will payout to the employee in case of a critical illness or terminal illness. However, if the worst were to happen the beneficiaries of the employee would receive the payout. However, you have to ensure that all of the policies are up to date otherwise there would be no payout.

Those who have a group scheme in place can still arrange additional Relevant Life Policies. This is normally used for high earning employees due to their tax-efficient nature.

Relevant Life Policies are very tax efficient as it is seen as an allowable business expense. It could save a company Director more than 50% in tax.

Up until very recently, Relevant Life Policies would only pay out on death or diagnosis of being terminally ill. However, there are even more savings to be made for Company Directors due to the fact that some providers have started to include Critical Illness in their policies as well.

To find out more give us a call on 01332 821 340. Alternatively, fill in the enquiry form and we will get in touch with you.


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Contact Us

Our Office is open 9am-5pm from Monday to Friday. Please contact us by either phone or email, using the contacts below.

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Finance Advice Centre Ltd is an appointed representative of Finance Advice Group Ltd, which is authorised and regulated by the Financial Conduct Authority in respect of mortgage and insurance mediation activities only. Finance Advice Group Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 624517.

Some types of buy to let mortgages are not regulated by the Financial Conduct Authority.

As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments.