Relevant Life Cover - LDN Finance

Relevant Life Cover

Ideal for businesses looking to provide top-up benefits to an existing group life scheme, or for those without a group life scheme, relevant life cover is a tax-efficient life insurance policy, allowing employers to offer death-in-service benefits to specific employees and salaried directors.

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Relevant Life Cover

Are you looking for a relevant life cover product for your business? We’re here to help.

As a modern business owner, you’ll already know that many companies offer relevant life cover to experienced employees as part of their staff benefits package.

At LDN Finance, we help many of our professional clients to secure relevant life cover for their key employees and are on hand to discuss and explore how relevant life cover could work for your business.

To discuss your requirements in more detail, get in contact with our expert protection team today.

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our values

How we work

01

Service

Service excellence is at the heart of our business. We are renowned for our highly personal and bespoke approach to securing property finance for our clients, ensuring you feel in control and confident throughout your investment journey.

02

Expertise

We thrive in complex, challenging scenarios and work creatively in our negotiations with our trusted network of mainstream, private and specialist lenders to ensure we always secure the best possible outcome for your circumstances.

03

Relationships

We mean it when we say we see you as a valued partner. Our relationship with you is important to us and our team will continue to serve as your personal property adviser long after your first deal with us is completed and over the line.

How LDN Finance can help

Relevant life cover is being increasingly used by small businesses to attract and retain highly experienced employees as part of an attractive benefits package. The policy pays out a tax efficient lump sum amount in the event of the death or diagnosis of a terminal illness of the employee insured. This sum goes directly to your employee’s family or financial dependants.

At LDN Finance, our experienced, highly professional advisers regularly assist business owners with arranging relevant life cover policies, which must be written in a discretionary trust. Your nominated LDN Finance adviser will be experienced in arranging relevant life cover that can evolve over time to meet the changing needs of you and your business.

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Relevant life cover that’s tax efficient for businesses and employees alike

Your nominated LDN Finance adviser can help to arrange relevant life cover on an individual and life-of-another basis with you, the business owner, as the policyholder. Relevant life cover premiums are paid by the business, and are usually considered a permissible business expense by HM Revenue and Customs (HMRC). A relevant life plan is also deemed attractive to employees as it does not count towards their lifetime pension allowance, giving those with an already sizeable pension pot an alternative form of life insurance.

If you require impartial guidance and support on deciding the best way forward for life insurance options for your employees, our advisers are on hand to discuss how relevant life cover could work as part of your staff benefits package.

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Testimonials

Our happy clients

As a returning customer, I would like to express my sincere thanks to the team for their outstanding support during the completion of my property purchase. In particular, Catherine and Darren have been incredibly helpful throughout the process. Their communication, professionalism, and customer service have been absolutely excellent, making the entire experience smooth and reassuring. Many thanks again for all your hard work.

Completion

April 2026

My fiancée and I were recommended to LDN Finance when we started our mortgage journey, and the service we have received, and continue to receive, has been outstanding throughout. Phil Levesley initially looked after us and made what can be a very daunting process feel straightforward and easy to understand. He took the time to explain everything clearly, never rushed us, and was always happy to answer any questions we had. Nothing ever felt like too much trouble. As part of the process, we also wanted to explore a number of protection policies, and Phil introduced us to his colleague,

Expert Guidance Every Step of the Way

June 2026

Owen was absolutely amazing and supported me every step of the way throughout the mortgage process. He was always clear, patient, and incredibly reassuring, making what could have been a stressful experience feel smooth and manageable. Bharathy was also really helpful, promptly getting in touch and making sure all the relevant information was handled efficiently. I couldn’t be happier with the service and would highly recommend them both. Five stars without hesitation.

Outstanding mortgage support

February 2026

we are here to help

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Contact our professional and experienced protection advisers today to find the perfect policy to safeguard your financial future.

 

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5-star assurance for service and excellence