Business Insurance for Ltd Company Directors
Helping Ltd Company Directors Financially protect themselves, their business and their family in a tax-efficient way.
Insurance Solutions for Ltd Company Directors & Business Owners
As a Ltd Company Director, you have access to highly tax-efficient business insurance solutions that are not available to employees or the general public. Structured correctly, these policies protect your business, your family and your income while potentially reducing your Corporation Tax bill.
Relevant Life Cover
A highly tax-efficient life insurance policy for Ltd Company Directors. Paid through the business as an allowable expense, it provides your family a tax-free lump sum written into trust and may reduce your Corporation Tax.
Tax EfficientExecutive Income Protection
If illness or injury stops you working, Executive Income Protection replaces your income. It is arranged through your limited company, which means the premiums are paid by the business instead of coming out of your net salary and dividends. Cover can include up to 80% of your salary, dividends, national insurance and pension contributions.
Company Pays the PremiumKey Person Insurance
Protects the business against the financial impact of losing a key individual through death or critical illness, covering lost revenue, recruitment costs and business disruption.
Business ContinuityShareholder Protection
If a fellow director passes away or becomes critically ill, Shareholder Protection ensures you retain ownership and control of your business while their family receives fair value for their shares.
Ownership ProtectionPrivate Medical Insurance
Faster access to diagnosis and treatment for directors and key employees. Paid through the business, it reduces NHS waiting times and keeps your most important people healthy and at work.
Health & WellbeingBusiness Debt Protection
Protects business loans and personal guarantees so that outstanding debts do not become a personal financial burden for you, your co-directors or your families if the worst happens.
Loan ProtectionThe Right Adviser Makes All the Difference
Award-Winning Expertise
Voted Adviser of the Year and winner of the Scottish Widows Dr Marius Barnard Award, recognised as one of the best business protection advisers in the UK.
Whole of Market Access
As an independent adviser, we have access to the entire insurance market, including products and terms the general public cannot access directly.
Written Into Trust
We ensure every policy is correctly written into trust so your estate does not pay 40% inheritance tax, a critical step most advisers overlook.
Tax-Efficient Structuring
For Ltd Company Directors, some business insurances can be an allowable business expense, potentially reducing your Corporation Tax significantly.
No Pressure, Ever
We take the time to understand your situation fully. You will never feel pressured. Our job is to make sure you understand your options and make the right choice for you.
Whole of Market Research
We research the entire market on your behalf and present the most suitable options, saving you time and ensuring you get the best value cover for your circumstances.
Case Studies
A client came to us with existing life insurance that had never been written into trust. By correctly restructuring the policy, we saved their estate £500,000 in inheritance tax, a critical step that most advisers overlook but which can make an enormous difference to the wealth your family actually receives.
We helped a Ltd Company Director structure their life insurance through the business as an allowable expense. This saved £250,000 in Corporation Tax over the duration of the policy, a benefit only available to Ltd Company Directors when the insurance is set up correctly.
What Clients Say About Adrian
Excellent customer service. Adrian was so professional and knowledgeable. I felt at ease throughout the call and never once did I feel pressured. It was my decision. I found Adrian incredibly helpful.
Adrian really explained the importance of placing the insurance policy into trust, which struck a chord with me. I am glad I did this as I am a mother and want to provide for my family. His explanation was really clear and understandable.
Adrian was professional and thorough and took sincere interest in ensuring we had the right level of cover. He also provided valuable advice on how we can mitigate inheritance tax on our estates.
His knowledge, clear communication and support proved invaluable. Following confusion from online research, Adrian helped me navigate between insurance providers and their products. I cannot recommend his service highly enough.
I really appreciated the professional service I received from Adrian Benjamin of Match Mortgages. I was looking for specific insurance products and Adrian was able to guide me through the process and relevant products available to me with sensitivity to my requirements and budget. He is knowledgeable, diligent and responsive and I would recommend his service to others.
Brilliant professional service from start to finish! Adrian was super knowledgeable and explained things in plain English — no jargon! I would 100% recommend a consultation, you will not regret it.
Great service from Adrian, would definitely recommend as he is highly knowledgeable, explains everything thoroughly and explicitly explained the policy I was taking out.
Adrian was really helpful and took lots of time out to explain things to me clearly and answer all of my questions to ensure I fully understood the policy I was taking out.
I now have life insurance that meets my needs and protects my family if anything was to happen. Great service and communication from Adrian Benjamin — great guy and really knowledgeable within this space.
I purchased life insurance and was able to obtain a much better deal on my health insurance. Adrian was on the ball, great customer service and very professional. Thank you for all your help.
Frequently Asked Questions
16 Years of Financial Expertise, Now Protecting Businesses & Families
Adrian Benjamin has worked internationally for some of the largest Investment and Corporate banks in the world, including UBS, HSBC, NatWest, Barclays and RBS. He has also worked as a Financial Consultant for Accenture, Visa, Bloomberg and Deloitte.
He now specialises in business insurance for Ltd Company Directors, helping directors and business owners put the right cover in place, structured correctly to maximise tax efficiency and ensure the right people are protected.
Adrian is passionate about making sure every client fully understands their options. No pressure, no jargon. Just clear, expert advice from one of the most recognised advisers in the UK.
Ready to Protect Your Business & Family?
Book a free, no-obligation consultation with Adrian. We will take the time to understand your situation as a Ltd Company Director and find the right business insurance solution for you.
Book Your Free Consultation