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Common Questions
Expert answers for UK Directors & Sole Traders.
Do dividends count towards my Income Protection max benefit?
Yes. Most high-street banks ignore dividends, but specialist insurers view your "earned income" as Salary + Dividends + retained profit in some cases. We use insurers that recognize your full earnings.
Is Life Insurance tax-deductible for my Ltd Company?
Standard life insurance isn't. However, a Relevant Life Plan allows the business to pay the premiums. It’s treated as a business expense (saving Corp Tax) and is not a P11D benefit. It’s highly tax-efficient.
What happens if I rely on the NHS?
Statutory Sick Pay (SSP) is currently just £109.40 per week for up to 28 weeks. For most self-employed earners, this is an 80-90% income drop. Private Income Protection kicks in after your chosen "deferred period" (e.g., 4 weeks) and pays until you return.
Why "Decreasing" Mortgage Cover?
As you pay off your mortgage, you owe the bank less. A "Level Term" policy stays the same (charging you more for cover you don't need). "Decreasing Term" tracks your mortgage balance, ensuring the debt is cleared perfectly efficiently.