Financial Protection


Nobody thinks it could happen to them, but we all know someone who has passed away whilst ‘in the prime of life’ or suffered a serious illness. What often goes unnoticed is the ongoing financial implications to the family if an income is lost.

If you need advice on:

  • Life assurance
  • Critical illness cover
  • Income protection
  • Mortgage protection
  • Relevant Life cover for directors

We’ll be pleased to advise you on suitable cover to ensure adequate protection from the financial effects of serious illness or untimely death, so contact us today to see how little this could cost for your family’s peace of mind.

Relevant Life Cover

Relevant Life Cover is a type of life insurance, very similar to a death in service policy, that can be used by company directors. It is an incredibly tax efficient product. For example, if you are a higher rate taxpayer then you are likely to save up to 49% compared to a typical life policy.

Why take out a Relevant Life Policy?
There are benefits to the director and their company:

  • Payments are treated as a business expense and are likely to be an allowable deduction against Corporation Tax for the employer
  • No liability for the employer or employee to National Insurance
  • No liability for the employee to Income Tax
  • Benefits paid tax free to the nominated beneficiaries
  • These payments do not form part of an individual’s annual or lifetime allowance

Let me help you
I have experience working with company directors and their solicitors and accountants to establish this type of cover.

Contact me now for a no obligation quotation for this very tax efficient product and let’s get the ball rolling.


"I have been dealing with Charlie Wade for a number of years now since I began work in the City. He has successfully advised me on my investments, never shied away from keeping me informed during market fluctuations, and has kept me up to date with new products and ideas. whilst making sure I make full use of my ISA allowances and CGT (Capital Gains Tax) allowances."

- Rhys F, Financial Trader

"My business partner and I were in a position where our business has grown nicely over the years to the point we realised if anything happened to either of us, we could really use some insurance in place to provide support for our families. We didn’t want to be in the position where the business would have to sold or take on debt.

Charlie talked us through our options and designed a solution that we were both delighted with. Additionally he looked at our own personal life assurances, streamlined them through the use of relevant life policies making them much more tax efficient, to the point where we have now covered all our needs for the same net cost as previously only meeting half of them. Can’t recommend meeting with Charlie highly enough!"

Charles K, Company Director


NOTICE: HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.