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Relevant Life Insurance Quote

Tax-efficient business cover — see the true cost to your company

Your Details

You must be aged 40–74 for an instant quote

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Enter the amount of cover you need (£50,000 – £2,000,000)

Please enter an amount between £50,000 and £2,000,000

We'd Love to Help

For a bespoke quotation, please speak with Stephen Hunt directly:

Call 07432 164803

Or request a callback

Your Indicative Premium

Based on age , , for of relevant life cover:

Gross Annual Premium
Paid by the company
Monthly Equivalent
Corporation Tax Relief (25%)
Saved by the company
Net Annual Cost to Company
After corporation tax relief
Effective saving vs personal cover

No income tax, no NI, no P11D benefit

Important: These are indicative rates only and do not constitute a quotation or offer of insurance. Actual premiums will depend on full underwriting including health, lifestyle and medical history. Corporation tax relief assumes the company pays tax at the main rate of 25%. Rates are based on Zurich indicative terms (January 2026) and may vary by insurer.

Key Benefits

  • Premiums are a deductible business expense for corporation tax
  • No P11D benefit-in-kind for the employee or director
  • No National Insurance contributions on premiums
  • Policy held in trust — proceeds outside the estate for IHT
  • Available to company directors, partners and employees

Next Steps

Or call Stephen Hunt directly: 07432 164803

Request a Full Quote

Complete the form below and Stephen will prepare a personalised underwritten quotation for you.

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Frequently Asked Questions

What is a relevant life policy?

A relevant life policy (RLP) is a death-in-service life insurance plan taken out by a company on behalf of an employee or director. Premiums are paid by the company and are a deductible business expense for corporation tax purposes. There is no P11D benefit-in-kind for the employee.

How much corporation tax relief do I get?

Premiums are a deductible business expense, so at the current 25% corporation tax rate the company saves 25p in tax for every £1 of premium paid. This makes the effective net cost 75% of the gross premium.

What ages can get relevant life cover?

Indicative quotes are available for ages 40 to 74. Those outside this range should contact us directly for bespoke terms.

How does a relevant life policy help with IHT?

Because the policy is owned by a trust (not the individual), the death benefit falls outside the individual's estate for inheritance tax purposes. This makes it an efficient way for business owners to provide life cover that can help beneficiaries meet an IHT liability.