Relevant Life Insurance

a tax efficient way to offer life insurance

Expert Insurance Advice

Piece of mind

In most cases the benefits are paid free of inheritance tax - provided they're paid through a discretionary trust.

Tax efficient

They can be more tax-efficient for high-earning employees, as relevant life plans don't count towards the lifetime allowance


Adaptability to life's changes - we know life never stays the same for long. Cover can be increased without the need for new medical evidence.

Protection for your key employees

A Relevant Life Plan allows employers to give death-in-service benefits to their employees outside of a registered group life scheme.

What is Relevant Life Insurance?

Relevant Life Insurance, or otherwise known as death-in-service insurance is a tax-efficient insurance policy designed to cover your key employees, who might not be easy to replace. This type of plan could also help high-earning employees who have substantial pension funds and don’t want their death-in-service benefits to form part of their lifetime allowance.

Benefits of Relevant Life Insurance

Meet us
  • Tax-efficient for both employers and employees
  • The cover is useful for small businesses that don’t have enough employees to justify a group life scheme
  • Provides individual life cover to high-value employees
  • In most cases, the benefits are paid free of inheritance tax, providing they are set up in discretionary trust
  • Cover can move with an employee to the new employer
  • Benefit up to 30 times total remuneration
  • Terminal illness and accidental death cover included with most policies 

Book your free consultation today