Executive Income Protection for Ltd Company Directors
Get 80% of your salary and dividends covered instead of 60% and reduce your tax bill at the same time.
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What happens if you are ill and can't work?
If you're a Company Director and you were suddenly unable to work due to illness or injury, how long could you survive financially on your savings? Three months, six months, a year? It doesn't matter how much you have saved; you could lose it all because you never know how long you will be ill for.
That's why having an income protection policy is important. However most standard income protection policies don't work for directors as they only cover 60% of your PAYE salary and dividends.
And to make matters worse, you are paying for that shortfall personally using money that has already been taxed, which means every pound of premium is costing you more than it should.
Fortunately, there is a better way.
As a Company Director you can take out a special policy called Executive Income Protection. This is arranged through your limited company, which means the premiums are paid by the business. That alone can reduce the net cost significantly compared with paying personally.
And unlike a standard policy which only covers 60% of your income, an executive income protection policy can cover up to 80% of your total salary, dividends, national insurance and pension contributions. This is much more comprehensive cover.
We specialise in arranging executive income protection for Ltd Company Directors. We will find the best value policy for you and handle everything from start to finish on a video Google Meeting at a time that suits you; with no pressure and no obligation.
Fill in our short enquiry form and we will be in touch to arrange your free consultation.
Get My Free Consultation
Fill in your details and we will be in touch to arrange your free Google Meet consultation at a time that suits you.
Or call us on 020 8058 3580
Benefits
Why Choose Us
Award-Winning Expertise
Adrian Benjamin was 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.
This means you are not dealing with a generalist who does a bit of everything. You are working with a specialist who has been independently judged to be among the best in the country at exactly what you need.
We Specialise in Protection for Company Directors
Most insurance brokers deal with everyone, employed people, self-employed people, business owners of all types. We focus specifically on Ltd company directors.
That means we understand exactly how you structure your income, how your company is set up, and what a standard policy will and will not cover. We do not need it explaining to us and you do not need to spend time bringing us up to speed.
Save Money & Tax
Most directors pay for income protection personally, out of income that has already been taxed. We arrange executive income protection through your limited company, which means the business pays for the premiums.
That is a significant saving compared with paying personally.
We Are Independent
We are not tied to any single insurer. That means we can search the whole of the market to find the right policy for your specific situation, not just the products one company happens to offer.
As an independent broker we have access to a wide range of insurers, which means more choice, more competitive premiums, and a better chance of finding exactly the right level of cover for your salary, dividends and pension contributions.
Get insurance in 4 Easy Steps
Have Your Free Consultation
Fill in our short enquiry form and one of our specialists will be in touch to arrange a free Google Meet appointment at a time that suits you.
We Research the Whole of the Market
We are independent and not tied to any single insurer, so we search the whole market to find the right policy for your specific situation.
We Present Your Options
We explain your options clearly and without jargon. You decide what is right for you. No pressure, no obligation.
We Handle the Paperwork
Once you are happy to proceed, we manage the application from start to finish and liaise with the insurer on your behalf.
What our clients say
"I had no idea I could pay for income protection through my company. Adrian explained everything clearly and sorted the whole thing in a couple of weeks. The tax saving alone made it a no-brainer." — James T, Managing Director, London
"As a director taking salary and dividends, I always assumed standard income protection would not cover me properly. Adrian arranged cover that actually reflects what I earn. Highly recommended." — Sarah K, Director, Surrey
"Quick, straightforward and genuinely specialist advice. Adrian understood my business structure from the first call and had everything sorted within days." — Mark B, Company Director, Kent
Get Your Income Protection Sorted Today
Most directors put off sorting their income protection because there is always something more urgent. But the risk does not go away.
If you could not work for six months, could your family keep up the mortgage, the school fees and the lifestyle you have built on what a standard personal policy would actually pay you?
Fill in our short enquiry form now and speak to a specialist today.
Get My Free Consultation
Fill in your details and we will be in touch to arrange your free Google Meet consultation at a time that suits you.
Or call us on 020 8058 3580
About Adrian Benjamin
Adrian Benjamin was voted Adviser of the Year and winner of the Scottish Widows Dr Marius Barnard Award. He specialises in business protection insurance for Ltd company directors, helping owners protect their income, their business and their families.
Adrian has over 16 years of experience in Financial Services, having worked for UBS, HSBC, NatWest, Barclays, RBS, Accenture and Deloitte.
