Relevant Life Insurance

Welcome to Momentum Financial Services – Relevant Life Insurance specialists

Based in Sevenoaks, Kent and serving clients throughout London and the whole of the UK

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Relevant life insurance offers a tax-efficient way for businesses to provide life cover for employees, including directors.

It works like a personal life insurance policy but is paid for by the business, which can make it a cost-effective solution for company owners and key staff.

At Momentum Mortgages, we help businesses arrange relevant life cover that provides peace of mind while taking advantage of potential tax savings.

This type of policy is designed for businesses that want to provide life cover for employees without setting up a group scheme. The premiums are paid by the company, and if the insured person passes away during the term, a tax-free lump sum is paid to their beneficiaries.

Relevant life insurance is particularly beneficial for:

    • Limited company directors
    • Small businesses without group life cover
    • High-earning employees who need additional cover outside of workplace benefits
  • Tax efficiency – Premiums are typically considered a business expense, which may reduce corporation tax.
  • Personal cover with business benefits – The policy pays out to the employee’s family rather than the company.
  • No impact on pension allowances – Unlike group life insurance, it does not count towards an individual’s pension lifetime allowance.
  • Flexibility – Policies can be set up to meet different needs, covering key employees or company directors.

We work with a wide range of insurers to find competitive policies that meet your business and personal requirements. Our team takes the time to explain your options, ensuring you understand how relevant life insurance can work for you.

Momentum Relevant Life Insurance

Key Features of Our Service:

Market Access

Access to top insurers offering competitive rates

Tax Efficient

Policies structured to ensure maximum tax efficiency

Trust Adcvice

Support in setting up the policy correctly under a relevant life trust

Clear Guidance

Clear guidance to help you choose the right level of cover

Relevant life insurance can be a valuable addition to a business’s financial planning strategy, offering protection for employees and their families while being cost-effective for the company.

Supporting Your Business Growth

Choosing the right invoice finance provider can make a significant difference in how efficiently your business operates. We simplify the process by helping you compare options, negotiate better terms, and secure funding quickly.

Book a call with us to discuss how invoice finance can support your business.

Mortgage broker Kent

Relevant life insurance is available to:

  • Limited companies looking to provide life cover for directors or employees
  • Businesses that want an alternative to group life schemes
  • High earners who need additional protection without affecting pension contributions

 

Each policy is structured differently depending on the needs of the business and the individuals covered. Our team ensures you get the best options available.

If you’re considering relevant life insurance, our team is here to help you find the right policy for your needs.

Book a call with us to discuss how relevant life insurance can benefit your business.

Secure Your Cover Today

Providing financial security for your employees and their families is an important part of running a business. Relevant life insurance offers a smart way to do this while benefiting from tax advantages.

Schedule a consultation today and let us help you put the right protection in place.

Employed Individuals

Whether you're a full-time employee, part-time worker, or contract employee, we can help you find the right mortgage

If you’re considering relevant life insurance, our team is here to help you find the right policy for your needs.

Book a call with us to discuss how relevant life insurance can benefit your business.

Relevant life insurance is available to:

  • Limited companies looking to provide life cover for directors or employees
  • Businesses that want an alternative to group life schemes
  • High earners who need additional protection without affecting pension contributions

Each policy is structured differently depending on the needs of the business and the individuals covered. Our team ensures you get the best options available.

First Time Buyers

We can guide you through the home-buying process and help you secure a mortgage that fits your budget

Home Movers

If you're looking to move to a new home, we can assist you with the mortgage process from start to finish

Remortgage

Whether you're looking to refinance your existing mortgage to lower your interest rate or release equity for home improvements, we can help