Credence Financial

13/06/2026

13/06/2026

Money left in your business could be taxed at 40%. There's a smarter way to protect it — company-paid, tax-deductible, and usually paid outside your estate. 👇

13/06/2026

The part directors love: your company pays for it, it's written in trust, and the payout goes straight to your family — typically outside your estate. Worth understanding your options. 👇

13/06/2026

Life cover that can pay out before you're gone. On a terminal diagnosis, Relevant Life Cover can pay out while you're still here — paid through a trust, usually outside your estate. 👇

13/06/2026

Director with life insurance? You might be paying the expensive way. Your company could cover it as a tax-deductible expense — typically outside your estate. 👇

13/06/2026

Everything your family has rests on one person — you. See what they could be protected for, through cover your company pays for as a tax-deductible expense. 👇

03/09/2025

Most company directors have no idea they're burning money on life insurance - and their accountants aren't telling them.

Here's the truth: If you're paying from your personal income, you're getting hammered by tax twice. Once when you pay (up to 45% income tax). Again when your family claims (40% inheritance tax if not in trust).

That £200/month premium? It's actually costing you £330+ in real money.

Meanwhile, there's a completely legal structure called Relevant Life Cover that most directors have never heard of:

✅ Your company pays it (not you)
✅ Full Corporation Tax relief (saves 19-25%)
✅ Zero personal tax impact
✅ Zero National Insurance
✅ Automatically protected from inheritance tax
✅ Your family gets 100% of the payout, tax-free

The numbers are shocking: Directors typically save 49% compared to personal policies. Same cover. Half the cost.

Why don't more people know? Simple. You can't buy it online. Most insurers don't advertise it.

And frankly, many accountants don't even know it exists.