Protection
Executive Income Protection
Executive Income Protection is a tax-efficient way for businesses to protect their directors and key executives if they are unable to work due to long-term illness or injury.
The policy is paid for by the company and provides a regular income if the executive cannot perform their role. Benefits are paid to the business, which then continues paying the executive’s salary, helping maintain financial stability during recovery.
Executive Income Protection often offers higher benefit limits and greater flexibility than personal income protection, making it a valuable part of a director’s remuneration package.
Key benefits:
Protects directors’ income during long-term illness
Tax-efficient premiums for the business
Helps retain and support key individuals
Supports business continuity and morale
What is Executive Income Protection?
It is a company-paid policy that replaces a director or executive’s income if they are unable to work due to illness or injury.
Who pays the premiums?
The business pays the premiums, which are often treated as an allowable business expense (subject to HMRC rules).
How are benefits paid?
Benefits are paid to the company, which then continues paying the executive’s salary through PAYE.
How much income can be covered?
Typically up to 80% of remuneration, including salary and dividends (subject to insurer limits).
How is this different from personal income protection?
Executive Income Protection offers higher limits, greater flexibility, and tax efficiency when arranged through a company.
Traditional Life Insurance
Life insurance ensures your loved ones are financially protected after your death. It provides a lump sum to cover debts, living expenses, and future financial needs. We offer a range of life insurance options to suit your requirements, helping you secure peace of mind for your family’s future.
Income Protection
Income protection insurance is crucial if you face unexpected illness or injury that prevents you from working. This cover provides a regular income to help you maintain your lifestyle and meet essential expenses during periods of disability. We can help you find the best policy tailored to your needs.
Critical Illness Cover
Critical illness cover provides a lump sum payment if you’re diagnosed with a serious illness, such as cancer or heart disease. This financial support can assist with medical costs and other expenses, offering peace of mind during challenging times. Explore your options with our expert guidance.
Relevant Life
Relevant life insurance offers guaranteed acceptance and a lump sum payout without requiring a medical exam. Designed for individuals aged 50 and over, this policy helps cover final expenses and leaves a financial legacy. Let us guide you in choosing the right policy for your needs.
Key Person Insurance
Key Person Insurance provides lifelong coverage with a guaranteed payout upon death. Unlike term policies, it offers peace of mind with its assurance of a payout regardless of when you pass away. Explore our options to find the best whole of life policy to meet your long-term financial goals.
Building and Contents Insurance
Building and contents insurance covers both the structure of your home and your personal belongings. This combined policy protects against risks like fire, theft, and damage, ensuring comprehensive coverage for your property.
Shareholder Protection
Shareholder Protection ensures that if a business owner dies or is diagnosed with a critical illness, their shares are dealt with smoothly and fairly — protecting both the business and the remaining shareholders.
Executive Income Protection
Executive Income Protection is a tax-efficient way for businesses to protect their directors and key executives if they are unable to work due to long-term illness or injury.
The policy is paid for by the company and provides a regular income if the executive cannot perform their role. Benefits are paid to the business, which then continues paying the executive’s salary, helping maintain financial stability during recovery,
Shareholder Protection
Shareholder Protection ensures that if a business owner dies or is diagnosed with a critical illness, their shares are dealt with smoothly and fairly — protecting both the business and the remaining shareholders.
Executive Income Protection
Executive Income Protection is a tax-efficient way for businesses to protect their directors and key executives if they are unable to work due to long-term illness or injury.
The policy is paid for by the company and provides a regular income if the executive cannot perform their role. Benefits are paid to the business, which then continues paying the executive’s salary, helping maintain financial stability during recovery,
Easily Navigate Your Mortgage & Cover
I specialise in providing clear, reliable mortgage and protection advice to make your financial journey easier. With expert guidance and recommendations tailored to you, I’ll help you secure the right mortgage, protect what matters most, and make confident long-term decisions.
Sayers Financial Services 625119, is an Appointed Representative of New Leaf Distribution Ltd 460421, which is authorised and regulated by the Financial Conduct Authority (FCA No. 460421). Registered address: Garfield House, 165-167 High St, Rayleigh SS6 7QA. Your home may be repossessed if you do not keep up with repayments on your mortgage. Buy-to-Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.
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