Protect Your Business.
Protect What You've Built.
Specialist advice on Relevant Life Insurance, Key Person Insurance and Shareholder Protection for company directors, business owners and shareholders across the UK.
Significant Tax Savings
Relevant Life Insurance premiums are paid by the company and attract corporation tax relief. Directors pay no income tax or NI — saving up to 50% versus a personal policy.
Protect the Business
Key Person Insurance and Shareholder Protection ensure your business can survive the loss of a key person — without a forced sale, a cash crisis, or an unwanted new partner.
Specialist Expertise
Most advisers focus on personal life policies. We specialise in business protection — the structures, the trusts, and the tax considerations that most generalists overlook.
Business Protection
We specialise in the three areas of business protection where the stakes are highest and the advice matters most.
Relevant Life Insurance
The most tax-efficient way for a limited company to provide life cover for a director or employee. Premiums are paid by the company, treated as a business expense, and attract corporation tax relief. The individual pays no income tax or NI on the benefit.
- Corporation tax relief on premiums
- No income tax or NI for the individual
- Cover up to 25× total remuneration
- Payout outside the estate via trust
Key Person Insurance
Protects your business against the financial impact of losing a key employee or director through death or serious illness. The policy pays directly to the business — covering lost profits, recruitment costs, or loan repayments.
- Pays out to the business, not the individual
- Covers death and/or critical illness
- Helps maintain business continuity
- Can cover multiple key people
Shareholder Protection
Ensures surviving shareholders can buy out a deceased or critically ill shareholder's share of the business — at an agreed price, without having to find the funds at short notice or take on an unwanted business partner.
- Keeps control with surviving shareholders
- Gives the family a fair cash settlement
- Structured via cross-option agreement
- Avoids forced sale or business break-up
Also in Business Protection
Why Choose JK Insurance Brokers
Independent advice, no broker fees, and genuine expertise in business protection.
Business Protection Specialists
We have deep expertise in Relevant Life Plans, Key Person Insurance and Shareholder Protection — the complex end of the market where specialist advice genuinely matters.
Whole of Market Access
As an independent whole-of-market broker, we search across all leading insurers — including specialist providers not available on comparison sites.
Tax-Efficient Structuring
We understand how to structure business protection policies to maximise tax efficiency for both the company and the individual.
Ongoing Reviews
We review your cover as your business grows and circumstances change, ensuring it remains appropriate and cost-effective.
Plain English Advice
Business protection can be complex. We explain everything clearly so you can make confident, informed decisions.
UK-Wide Service
We advise clients throughout the UK — by phone, video call, or in person — at a time that suits you.
Personal Protection
We also advise individuals and families on life insurance, critical illness cover and income protection.
Who We Work With
Business Owners
Protect your business, your partners, and your key people with specialist business protection.
Company Directors
Tax-efficient Relevant Life Insurance and income protection structured specifically for directors.
Families
Life insurance and critical illness cover to protect the people who depend on you.
Self-Employed
Income protection and life cover designed around irregular income and no employer sick pay.
Whole of market access — we search all leading insurers
Common Questions
Answers to the most common questions about business protection and life insurance.
Book a Free Consultation
Speak with an independent adviser at a time that suits you.