You’ve poured everything into the business - long hours to win that loyal client, careful decisions to grow steadily, sacrifices your family understands because they see the bigger picture. The home you’re paying off, the holidays you promise, the security you want for your partner and kids - it’s all tied to you being there.
Then, in an instant, you’re gone. An accident. A sudden illness. The business keeps running, but your loved ones face a different reality: bills mounting, questions unanswered, and a payout - if there is one - delayed by taxes, probate.
The future you’ve worked so hard to secure starts to fracture, not with drama, but quietly, painfully.
This isn’t just about loss - it’s about what’s left behind. Over 40% of UK business owners have no plan for their family if they pass away, and 27,000 children in the UK lose a parent each year.
Without the right cover, a personal policy eats into your take-home pay with taxes and NI, or a payout gets hit by inheritance tax and delays. Your family scrambles for answers amid grief. The wealth you’ve built shrinks before it reaches them.
How would it feel to know the security you fought for might not fully reach the people you love most?
Could they maintain the life you’ve planned without the burden of financial worry?
Relevant Life Cover lets your business pay for life insurance that delivers a tax-free lump sum directly to your family if the worst happens - no impact on pensions, no benefit-in-kind charges.
Premiums come from the company as an allowable expense, often slashing costs by up to 49% compared to personal policies, by skipping Income Tax, NI, and Corporation Tax hits.
Written in trust, it avoids probate and inheritance tax, getting funds to your loved ones fast.
It’s family protection that’s efficient, compassionate, and smart - paid by the business, delivered without the complications
We’re here to make this feel straight forward and right for you.
We’ll listen to your family’s needs, explain the tax advantages clearly, and set up Relevant Life Cover that integrates seamlessly with your business - no pushy sales, no overwhelming details. Just honest guidance that honours what you’ve created.
Because your family should inherit your success, not your tax bill. Keep what's yours. Protect what matters.
If you’re a director building a brighter future for your loved ones, don’t let the unexpected leave them short.
Join a team built to deliver efficient, tax-smart protection that maximises what reaches your family - whatever life brings.
Because your hard work deserves to endure, and your family deserves every bit of it.
Graham came to us for a second opinion on his protection. We uncovered a 17-year-old policy with unbeatable cover - one worth holding onto. Two years later, after a stroke, that legacy policy paid out £75,000 when he needed it most. The right advice. At the right time. For all the right reasons.
We’ve got you.
Whether it’s a bump in the road or a full-blown storm, you’re not on your own. Making a claim with Waddle is simple, human, and hassle-free - because the last thing you need right now is paperwork stress or policy puzzles.
We just show up, sort it, and stand by you - like we said we would.
Already have protection in place? We believe your cover should grow with you. Our friendly Policy Check reviews what you have, highlights strengths and gaps, and gives honest, expert advice to keep your cover working its best for you.
