Life insurance built
for your business
Whether protecting a key person, a shareholder, or the business itself, business life insurance keeps your company financially resilient.
Start Your QuoteFSCA-Authorised Advisers | Whole-of-Market Access
Explore Your Options
Whatever you need to protect, we'll help you compare the right cover.
Life Insurance
A one-off tax-free lump-sum payment for your loved ones in the event of your death.
Learn moreCritical Illness Cover
A tax-free lump sum if you are diagnosed with a serious illness like cancer, heart attack or stroke.
Learn moreIncome Protection
Monthly tax-free payments if you are unable to work due to long-term sickness or injury.
Learn moreHow Business Life Insurance Works
Identify what the business needs to protect
Consider key individuals, ownership structure, and outstanding loans.
Choose the right structure
Key person, shareholder protection, or relevant life insurance for directors.
Value the cover needed
Calculate cover based on profit contribution, share value, or loan amounts.
Policy pays out on death
The business or a nominated party receives a tax-efficient payout to stabilise operations.
Key features at a glance
Covers key people, shareholders and directors
A range of structures to protect the people who matter most to your business.
Premiums often tax-deductible
Many business protection premiums qualify as an allowable business expense.
Structured to suit your company type
Options for sole traders, partnerships, and limited companies alike.
Whole-of-market business insurer access
Advisers compare business protection specialists across the market.
Frequently Asked Questions
What's the difference between the business cover types?
Key person insurance protects against losing a vital employee, shareholder protection funds a share buyback, and relevant life insurance provides tax-efficient personal life cover for directors.
Can premiums be paid by the company?
Yes, in many structures the company pays the premiums, and these can often be treated as a deductible business expense.
Do sole traders need business life insurance?
Sole traders may still benefit from cover to protect income or fund a smooth handover, though the structures used can differ from limited companies.
How much cover does a business typically need?
This depends on the purpose — key person cover is often based on profit contribution, while shareholder protection is based on the value of each person's stake.