FREE expert help & advice 0800 083 2829

Contact our specialist team for FREE expert help & advice 0800 083 2829

Relevant Life Cover.

This is a fantastic and tax-efficient way to offer an employee benefits scheme or to provide cover for your company directors.

Directors | Employees | Claim back tax

What is relevant life insurance?

A relevant life policy is a life insurance plan employers provide to employees. The policy is an individual death-in-service benefit.

Also known as death in service benefit or group life insurance, this product is tax-deductible and helps to retain staff with ‘company perks’.

How Relevant Life Insurance Works.

STEP 1

Confirm who you would like Director(s) or to cover employees

STEP 2

We'll ask you a few questions to find the best policy

STEP 3

An expert adviser will search the market

STEP 4

You decide what option to take out, and we will help you write the policy into Trust.

How does a relevant life plan benefit business owners?

Pays out 25x the agreed salary

Reduce premiums by up to 49%

Secure & attract new talent

Relevant life policies can provide tax savings that reduce premiums by up to 49%, help secure or attract new talent to your business, offer an excellent way to provide security for your directors or employees and provide substantial levels of cover, up to 25 times the employee’s remuneration package.

Severity of the condition

When you were first diagnosed with coarctation of the aorta

Your age

Whether your coarctation of the aorta has been treated surgically

Medications currently being taken

Family medical history

Whether you smoke

Any other related health complications such as heart disease

At The Insurance Surgery, we are leading specialists for putting people in touch with the best insurers when they are seeking to take out life insurance with a condition like coarctation of the aorta. We understand that every client’s condition and circumstances are different, and will help compare the market to find you the best life insurance providers and cover plans for your needs. Simply enter your details into one of our online forms for your free no-obligation life insurance quote.

Critical Illness Cover

Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.

You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.

If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.

Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.

Income Protection Insurance

If you are running or supporting a household with bills to pay, it’s a good idea to consider Income Protection Insurance.

This is especially important for anyone living with HIV who is self-employed and doesn’t have access to sick pay. Income Protection can reduce the stress of paying rent, mortgage or monthly bills.

Is there a difference between Group & Relevant Life?

Dependants, like school-age children.

A partner who relies on your income.

A family living in a mortgaged or rented home.

Both types of insurance are employer-funded, providing similar tax benefits. However, there are key differences in their application criteria:

Relevant Life Insurance

Developed for smaller companies or individuals who don’t meet the group policy criteria. Each policy requires individual underwriting, making it suitable for companies with fewer than three employees

Group Life Insurance

Requires a minimum of three employees to qualify. This option is ideal for businesses with multiple employees, offering a straightforward way to provide life insurance cover without any underwriting.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Things you should know about relevant life plans.

All Relevant Life insurance policies MUST be written into Trust with the business as the owner of the policy. Benefits will be paid into a Discretionary Trust direct to the employees family.

It is important to remember that this is not key person insurance; it is a type of business protection to cover individual employees and not your company.

Is relevant life insurance the right policy for your company:

Paid for and taken out by the company for employees

Pays out a tax-free cash lump sum on the death and critical illness of an employee

Maximum term to the 75th Birthday of an employee

Cover can be decreasing or level-term

For a clearer idea of the average cost of life insurance, visit our Guide.

Life insurance cost, case study.

James is looking for life insurance to cover his mortgage and to give a lump sum to his wife and two children. James had a stroke ten years ago but doesn’t suffer from any symptoms.

We found James the increasing policy below:

Total Cover
Amount:

£750,000

Monthly Premium
Cost:

£41.57

Duration of
Policy:

Until age 70

Price Promise.

As an award-winning specialist Insurance Broker for those with medical conditions, non-standard occupations or participating in extreme sports we will never be beaten on price.

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

How to apply for a relevant life insurance?

Applying for relevant life insurance couldn’t be easier, follow our 3 steps to protect you and your employees.

1

Contact us

Complete the contact form below.

2

Answer a few questions

We’ll call you to discuss your business needs.

3

Choose your cover

We’ll find cover to fit your needs and budget.

Start The Application Process Today.

Members of the PDG.

The Insurance Surgery are members of the Protection Distributors Group (PDG). The PDG aims to help people find the protection they need by encouraging insurers and intermediaries to deliver better consumer outcomes.

Members of the BIBA.

The Insurance Surgery is a member of the British Insurance Brokers Association (BIBA), which represents and protects the best interests of our insurance broker and intermediary members and their customers.

What Are the Different Types of Life Insurance Policies?

A term life insurance policy...

Term life insurance policy covers a specified duration, such as 10, 20, or 30 years. Should the insured individual pass away during this period, the policy pays a lump sum to their designated beneficiaries.

Whole-of-Life Insurance.

Whole-of-life insurance covers a person’s entire lifespan, provided premiums are consistently paid. It delivers a lump sum to beneficiaries upon the insured’s death.

Over 50s Life Insurance.

Over 50s life insurance guarantees acceptance without a medical report. With lower cover amounts and fixed premiums, it is used to cover funeral costs or leave a modest inheritance.

How different policies payout over time.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Do you need life insurance for a mortgage?

No, when it comes to getting a mortgage in the UK, having life insurance is by no means a necessity. It is a time, however, when many people begin to look into life insurance quotes to protect their family’s financial security. Whilst majority do not, you may find that some mortgage lenders do stipulate that life insurance is required.

How much life insurance do I need?

Your personal life insurance needs are completely unique to your circumstances. For a clearer idea of your life insurance needs, get a quote from one of our experts or submit your information into our Life Insurance Calculator.

Can you have more than one life insurance policy?

Yes, you are able to have more than one ongoing life insurance policy. If you have doubts about your previous policy, however, and are looking for an updated one please speak to a member of our team – we can look at your current policy details and compare them to newer quotes.

If we can find you a better life insurance deal that offers better cover, or lower premiums we will make our recommendations. We will only ever suggest a switch to a new life insurance provider if we think that it is the right option for you.

Can I get life insurance while pregnant?

Yes, you can take out life insurance when you’re pregnant. In fact, starting a new family is one of the main reasons that people consider life insurance.

Do you have to pay taxes on life insurance payouts?

Most life insurance payouts are not taxed in the UK. You may, however, have to consider inheritance tax following the passing of a loved one.

What age should you get life insurance?

There is no correct age to begin considering life insurance. Everyone has their own needs and reasons when it comes to life insurance. Life insurance tends to be cheaper the younger you are, but most people begin to seek out life insurance quotes when they have a long-term partner, children, or a home.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

Family

By Policy

Helpful Information

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

Relevant Life Cover.

What is relevant life insurance?

How Relevant Life Insurance Works.

How does a relevant life plan benefit business owners?

Pays out 25x the agreed salary

Reduce premiums by up to 49%

Secure & attract new talent

Severity of the condition

When you were first diagnosed with coarctation of the aorta

Your age

Whether your coarctation of the aorta has been treated surgically

Medications currently being taken

Family medical history

Whether you smoke

Any other related health complications such as heart disease

Critical Illness Cover

Income Protection Insurance

Is there a difference between Group & Relevant Life?

Relevant Life Insurance

Group Life Insurance

Life Cover Terminology

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Things you should know about relevant life plans.

Paid for and taken out by the company for employees

Pays out a tax-free cash lump sum on the death and critical illness of an employee

Maximum term to the 75th Birthday of an employee

Cover can be decreasing or level-term

For a clearer idea of the average cost of life insurance, visit our Guide.

Life insurance cost, case study.

Total Cover Amount:

£750,000

Monthly Premium Cost:

£41.57

Duration of Policy:

Until age 70

Price Promise.

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

How to apply for a relevant life insurance?

1

Contact us

2

Answer a few questions

3

Choose your cover

Start The Application Process Today.

Members of the PDG.

Members of the BIBA.

What Are the Different Types of Life Insurance Policies?

A term life insurance policy...

Whole-of-Life Insurance.

Over 50s Life Insurance.

How different policies payout over time.

Benefit from Our Life Insurance Policies Today.

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies