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For UK Limited Company Directors

Life cover that costs your company less than it costs you.

A relevant life policy lets your company pay for your life insurance — with corporation tax relief, no P11D benefit, and no National Insurance. Most directors have never been told it exists.

Calculate your tax saving Do I qualify? Take the quiz

Illustrative comparison — £500/month cover

Personal life insurance

£830/mo

Paid from taxed income

Relevant life policy

£500/mo

Paid by your company, pre-tax

Net saving ~£330 / month
✓ Whole of market — every UK insurer compared ✓ FCA regulated advice ✓ Written for Ltd company directors ✓ No jargon, ever

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The three things every director asks first

01

What actually is it?

A life insurance policy taken out by your company, on your life, for the benefit of your family. It sits outside your estate, in trust.

02

Why is it cheaper?

Premiums are a company expense — corporation tax deductible, no P11D, no National Insurance. The same cover, paid for with cheaper money.

03

Do I qualify?

If you're a director or employee of a UK limited company, in almost every case the answer is yes. We explain the exceptions.

See what a relevant life policy could save you

Use the calculator to compare the true cost of paying for life cover personally against paying through your limited company. It takes under a minute — no personal details needed.

Try the calculator

Typical saving vs personal cover

up to 49%

Corporation tax relief

19–25%

P11D benefit-in-kind

£0

Max cover (typical)

25× pay

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This website is for information only and does not constitute financial advice. To find out whether a relevant life policy is right for your circumstances, speak to a qualified financial adviser. Relevantlifepolicy.com is a trading style of NeedingAdvice.co.uk Ltd, registered in England & Wales No. 12978572. Registered Address: 107-109 Far Bank, Shelley, Huddersfield, United Kingdom, HD8 8HT. NeedingAdvice.co.uk Ltd is an Appointed Representative of Rosemount Financial Solutions (IFA) Ltd, authorised and regulated by the Financial Conduct Authority (FCA), entered on the FCA Register under reference 938312. The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

A relevant life policy is a form of life insurance and typically has no cash-in value at any time; cover will cease at the end of the policy term. If premiums are not maintained, the policy will lapse and cover will be lost. Tax treatment depends on individual circumstances and may change in the future. Where a mortgage or any borrowing secured against your home is discussed, please note: your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.