International Protection
Protection Insurance Guides
In-depth guides on international life assurance, critical illness, income protection and universal life insurance — covering how policies work, how underwriting differs for expats, tax treatment, and how to choose the right provider.
Business Protection
Keyman insurance, relevant life policies, shareholder protection, employer group risk schemes and commercial liability cover.
Group Life Assurance and Death in Service Benefits: An Employer's Guide
Registered versus excepted group life schemes, benefit multiples, expression of wishes and discretionary trusts, Spousal Bypass Trusts, lump sum and death benefit allowance interaction, and HMRC approved lump sums.
Read guide →Group Life Assurance for Employers: The Business Case and Practical Guide
Group life assurance is one of the most cost-effective employee benefits an employer can offer. This guide explains how group life schemes work, the registered versus excepted scheme choice, and the tax position for employers and employees.
Read guide →Group Life Assurance for International Businesses
How group life assurance schemes work for businesses operating across multiple countries, covering scheme design, free cover limits, trust structures, and global pooling arrangements.
Read guide →Group Life Assurance for Multinationals: Tax Treatment, Structure, and Cross-Border Considerations
How multinational employers should structure group life assurance for international workforces, covering tax efficiency, domicile of the scheme, and death benefit payments across borders.
Read guide →Group Life Free Cover Limits: How They Work and What Employers Need to Know
The free cover limit determines when individual medical underwriting applies to group life schemes. Understanding it protects employers from unexpected costs and gaps in employee cover.
Read guide →Group Life Insurance for International Employers
Providing meaningful death-in-service benefits to a geographically dispersed international workforce requires careful structuring — local schemes alone rarely give sufficient coverage.
Read guide →Group Private Medical Insurance for Employers: Design, Tax, and Market Guide
Employer-funded group PMI is one of the most valued employee benefits in the UK. This guide covers scheme design, insurer selection, P11D and NIC treatment, flex benefits integration, and the special rules applying to small businesses — everything an employer needs to offer a competitive and tax-efficient medical scheme.
Read guide →Group Protection Scheme Design: Building a Coherent Employee Benefits Strategy
How to design a joined-up group protection programme combining life assurance, income protection, and critical illness cover — balancing cost, tax efficiency, and employee value.
Read guide →How to Calculate Key Person Insurance Cover: Four Methodologies Explained
A practical guide to valuing key person insurance for businesses — covering salary multiples, profit-based approaches, loan matching, and share purchase valuation, with HMRC guidance on deductibility of premiums.
Read guide →Income Protection for Professional Service Firms: Partners, LLPs, and Practices
Partners and LLP members do not have an employer to fund sick pay — their income comes from profit share. This guide explains income protection for professionals in partnership structures.
Read guide →Key Person Insurance Explained: Risk Assessment, Policy Structure, and Review
Key person insurance is straightforward in concept but requires careful structuring. This guide covers how insurers assess the risk, what management accounts they need, how to structure the policy through a limited company, and when and how to review the cover.
Read guide →Key Person Insurance Valuation: How to Calculate the Right Sum Insured
Calculating the correct sum insured for key person insurance requires a systematic approach. This guide explains the main valuation methodologies, HMRC's test for who qualifies, and the tax treatment of premiums.
Read guide →Key Person Insurance for Businesses with Overseas Subsidiaries and Hub Structures
How internationally operating businesses should structure key person cover across holding companies, overseas subsidiaries, and regional hub entities.
Read guide →Key Person Insurance for Internationally Operating Businesses
How to structure key person insurance for businesses operating across multiple countries, including sum assured calculation, tax treatment by jurisdiction, and cross-border underwriting.
Read guide →Key Person Insurance: The Complete Business Guide
Key person insurance protects a business against the financial impact of losing a vital employee or director through death or critical illness. This guide covers coverage methods, HMRC tax rules, and when to use it.
Read guide →Keyman Insurance for International Businesses: A Complete Guide
The sudden loss of a key person — a founding director, a lead salesperson, a technical specialist — can devastate a business's finances. Keyman insurance provides the capital to absorb that shock and keep the business operational.
Read guide →Keyperson Insurance: Tax Treatment Explained
The tax treatment of keyperson insurance is one of the most misunderstood areas of business protection. Whether premiums are deductible and whether payouts are taxable depends on the purpose of the policy — not the label on the tin.
Read guide →Life Insurance for Business Owners: Key Man, Shareholder and Director Protection
Business owners face unique protection needs beyond personal life insurance. Key man cover, shareholder protection, and the relevant life plan each serve a distinct purpose — and getting the structure right matters as much as the sum insured.
Read guide →Management Liability Insurance: Protecting Directors and Officers
Directors' and Officers' liability, the Side A/B/C structure, FCA and SRA investigations coverage, run-off on departure, and why management liability matters for SME directors as much as large-cap executives.
Read guide →Partnership Protection Insurance: Protecting Professional Practices
The death of a business partner can legally dissolve a partnership under the Partnership Act 1890. Partnership protection insurance, combined with a robust partnership agreement, prevents this and funds a controlled share transfer.
Read guide →Professional Indemnity Insurance for Internationally Mobile Consultants and Advisers
A practical guide to professional indemnity insurance for consultants, advisers, and specialists who work across multiple jurisdictions and regulatory regimes.
Read guide →Professional Indemnity Insurance: A Guide for Professionals and Consultants
PI insurance for solicitors, accountants, advisers, and consultants: retroactive date, run-off cover, claims-made versus occurrence basis, regulatory minimum requirements, and overseas professional activities.
Read guide →Protecting the Business Against the Loss of a Key Woman
Around one in five UK businesses are women-led, yet women-owned businesses remain significantly under-insured against key person risk. This guide addresses the specific business protection planning needs of women founders, directors, and business owners.
Read guide →Protection Planning During and After a Business Sale or Exit
A business sale creates specific protection risks that are often overlooked: the key person who dies during the transaction, the earn-out that is lost to critical illness, and the management team that now needs cover the exiting founder had. This guide covers the full protection picture around a business exit.
Read guide →Free protection review
Our advisers compare the whole market to find the right international cover for your situation — life assurance, critical illness, income protection, or universal life.