Protect your directors and employees with trusted Relevant Life Insurance, giving peace of mind and tax-efficient cover across the UK.
Relevant Life Insurance is a life cover policy provided by a limited company for its employees or directors. Unlike standard personal life insurance, the premiums are paid by the company, and the policy is written in trust, so it is not treated as a taxable benefit.
It’s ideal for directors or employees who want personal life cover without additional tax implications. The policy can include life cover for terminal illness, with options for inflation-linked payouts, and ensures your loved ones receive funds quickly and securely.
Relevant Life Insurance is designed for:
It is not available to sole traders or partners in traditional partnerships. Policies are generally available to UK residents, though some insurers have specific residency rules.
Policies must be written in trust to protect beneficiaries and ensure fast payment. A discretionary trust allows the company to nominate trustees who manage the funds according to the employee’s wishes.
Most insurers allow cover up to multiples of annual salary, often around 10x your remuneration. Limits depend on the insurer, policy term, and selected options.
You can include terminal illness cover, and some policies offer inflation-linked increases to maintain the value of your cover over time.
Smart planning today ensures financial security for the future
We’ll help you find a policy that fits your needs, budget, and provides peace of mind, making the process simple from the first conversation to full protection.
We’ll understand your priorities first, so your Relevant Life Insurance policy reflects the needs of directors and staff, not just the paperwork.
Tax-efficient life cover options are offered at Sentinel Financial, helping you select the plan that works best for your business.
Our support doesn’t stop once the policy is in place. We’re here to review, adjust, and ensure your cover continues to meet your evolving needs.
Here’s proof that our advice and service truly deliver, with experiences from clients who found clarity, confidence, and results with Sentinel Financial.
From start to finish, Zie has provided an outstanding bespoke mortgage service. He is professional, thorough and incredibly knowledgeable. Every step of the mortgage process was clear, well communicated and stress-free.
When I was searching for my new home Zie was an incredible help throughout the entire process. He guided me from start to finish, helping me understand and offering valuable advice during the process.
Zie made the whole mortgage process effortless. He explained everything clearly, kept me updated at every stage, and found us a fantastic deal. I couldn’t recommend him highly enough!
I’ve dealt with a few brokers before, but Zie really stands out. He’s professional, approachable, and genuinely cares about getting the best outcome for his clients. The remortgage was stress free from start to finish.
Working with Zie was a breath of fresh air! He made everything easy to understand, kept communication clear, and went above and beyond to get our mortgage sorted quickly. Highly recommend Sentinel Financial.
As a portfolio landlord buying through a limited company, I needed a broker who knew what they were doing. Zie’s knowledge of lender criteria and company structuring was spot on. He saved me time, money, and a lot of stress, highly recommended.
I arranged both life and income protection through Zie, and I’m so glad I did. He made the whole process straightforward, and I now feel confident that if anything unexpected happens, my family and finances are protected.
We’re here to help whether you have questions, need advice, or want a quote.
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