Insurance & Business Protection Guides

Plain English explanations of the protection products that matter most — written by independent advisers who specialise in business protection.

Business Protection

Business Protection Guides

What Is Relevant Life Insurance?

The most tax-efficient way for a company to provide life cover for a director or employee. How it works and who it suits.

Relevant Life vs Death in Service

Both provide a lump sum on death — but they work very differently. A side-by-side comparison to help you choose.

What Is Key Person Insurance?

How to protect your business against the financial impact of losing a key employee or director.

How Shareholder Protection Works

What happens to your business if a co-owner dies? How shareholder protection keeps control with the right people.

Can Business Protection Premiums Be Tax Deductible?

The HMRC rules for Relevant Life Plans, Key Person Insurance and Shareholder Protection — explained clearly.

Personal Protection

Income Protection Explained

What happens to your finances if you cannot work? How income protection works and why it matters.

Life Insurance vs Critical Illness Cover

Both pay a lump sum — but for very different reasons. Understanding the difference helps you choose the right cover.