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.
Relevant Life Plans: Death-in-Service Through a Limited Company
A Relevant Life Plan allows a limited company to pay for an employee's life assurance as a tax-efficient business expense, with the death benefit paid outside the estate and free of inheritance tax. Here is how it works.
Read guide →Relevant Life Plans: Tax-Efficient Life Cover for Directors Abroad
How relevant life plans work as a tax-efficient alternative to personal life insurance for company directors, and what internationally based directors need to consider.
Read guide →Relevant Life Policies for Expat Company Directors
A relevant life policy allows a UK company to provide life assurance for a director as a business expense, with the payout reaching the director's family free of income tax and national insurance — a significantly more efficient structure than personal life cover for most company directors.
Read guide →Relevant Life Policy Trust Setup: A Director's Complete Guide
How to correctly establish a relevant life plan within a discretionary trust — covering HMRC conditions, trustee appointment, benefit nomination, and the tax advantages for company directors and key employees.
Read guide →Relevant Life Policy: A Director's Guide to Company-Funded Life Cover
A Relevant Life Policy lets a company pay life insurance premiums on behalf of a director or employee, with the benefit outside their estate and premiums deductible against corporation tax.
Read guide →Relevant Life Policy: Tax-Efficient Life Cover for Directors
A relevant life policy lets a company pay life assurance premiums on behalf of a director or employee without triggering a benefit-in-kind tax charge. The net cost saving can be 40–50% versus a personal policy.
Read guide →Run-Off Cover and Professional Indemnity for High-Earning Professionals
Professional indemnity insurance for doctors, solicitors, accountants, financial advisers, and architects — including run-off cover, claims-made versus occurrence, retroactive dates, and regulatory minimums.
Read guide →Salary Sacrifice and Protection Benefits: Tax Efficiency in Practice
How salary sacrifice arrangements can make employer-provided protection benefits more tax-efficient for both employer and employee — covering the mechanics, HMRC rules, and which protection products qualify.
Read guide →Setting Up and Managing a Group Life Scheme for Employers
A group life scheme provides death-in-service benefits for all employees under a single arrangement. This guide covers the registered vs excepted choice, free cover limits, trust management, and employer administration obligations.
Read guide →Shareholder Agreements and Protection Insurance: Aligning Legal Structure with Financial Cover
Shareholder protection requires both a legal agreement and appropriate life insurance working in concert. A cross-option agreement without insurance leaves the mechanism unfunded. Insurance without an agreement provides cash but no obligation to use it for the shares. Both elements must be in place.
Read guide →Shareholder Protection Insurance for Business Owners Abroad
How shareholder protection insurance works for business owners based outside their home country — the cross-border structuring challenges, legal documentation requirements, and why it is critical for internationally mobile directors.
Read guide →Shareholder Protection Insurance: Keeping Control When a Co-Owner Dies
When a shareholder dies, the consequences for the surviving co-owners can be severe. Shareholder protection insurance, combined with a cross-option agreement, ensures the business can continue without disruption.
Read guide →Trade Credit Insurance: Protecting Business Revenue Against Buyer Default
How trade credit insurance protects businesses against buyer insolvency and protracted default, including whole-of-turnover versus single-buyer policies, credit limits, major providers, and interaction with invoice finance.
Read guide →Warranty and Indemnity Insurance for M&A Transactions: A Guide for Business Owners
How W&I insurance works in business sales and acquisitions, buy-side versus sell-side policies, coverage scope, tax indemnity insurance, limits and exclusions, and the role of specialist brokers.
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.