- Compare Multiple Prices
- Trusted advice at no cost
- Fully HMRC Compliant
- Relevant life insurance
Protect the people behind the business.
Tax-efficient life cover, key person, shareholder and income protection — structured around your company, your family and HMRC rules. Whole-of-market advice from specialist UK brokers. No fees, ever.
- FCA Regulated
- Whole of Market
- 4.8/5 Rating
Start with the cover you need
Four covers. One clean way to compare them.
Relevant Life Cover
A tax-efficient life policy funded by your company, offering death-in-service cover with no P11D, no National Insurance, and tax-deductible premiums.
Key Person Cover
Protects your business from the financial impact of losing a key person, providing funds to replace profits and cover recruitment costs.
Shareholder Protection
Protects business continuity by funding share buyouts if a shareholder dies, keeping ownership with the remaining partners.
Income Protection
Also called Executive Income Protection, this pays a monthly tax-free benefit if a director can’t work due to illness or injury, funded by the business.
Why Insure My Life
Built for directors, not the general public.
Most high-street brokers sell personal life cover and bolt on business policies as an afterthought. We do it the other way around — business protection is what we do, and we structure every policy with HMRC, your accountant and your shareholders in mind.
Whole-of-market
We compare every major UK protection insurer to find the right structure and price.
Director-specialist
Day-in, day-out we structure cover for limited company owners — not generic life cover.
Trust & agreements
We coordinate trust documents and cross-option agreements so the policy actually pays the right party.
No fees, ever
Our advice is paid for by the insurer, not by you. You'll never receive a bill from us.
We've Got You Covered
Protection You Can Rely On
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Exclusive
Business Focus
We handle commercial protection only. No home or auto insurance distractions—just dedicated financial safeguarding for company directors and their assets.
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Maximum
Tax Efficiency
Policies are meticulously structured to be paid by your limited company, ensuring you claim allowable business expenses while avoiding personal P11D tax traps.
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Whole of
Market Access
We leverage our strong market position to scan all top-tier UK insurers. You get the most advantageous premiums without the time-consuming process of shopping around.
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Rapid
Turnaround
We respect your time. Expect a tailored, no-obligation policy estimate generated in minutes. No endless forms or aggressive sales calls—just the numbers you need.
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Specialist
Advisors
Your inquiry is managed entirely by a qualified corporate protection specialist. We provide bespoke, deeply considered advice rather than a generic call-centre response.
THE PROCESS
What happens next?
Enter Your Details
Provide your information through our life insurance quote platform or reach out to us directly at 0161 823 1733. Our dedicated team is ready to help
Compare & Select
We’ll contact you to review your options, highlight the right deals, and ensure you select the life insurance plan that fits your needs perfectly.
Secure Your Future
Hassle free process from start to finish, we'll even place your policy in trust completely free of charge upon accepting cover from us.
Protect the business
behind your life’s work.
Trusted by UK directors and business owners.
Tania T
Great service and very honest opinions and advice give! Louis is the only reason I looked into this and thank him very much for all his help and efforts!!! Extremely good with people and most certainly brilliant at his job! Thank you Louis for looking after us!!!!
Sean
Friendly team, very flexible and always helpful. I’ve had the best service thanks to Hayley and Nicole who have helped me along every step of the way
Gwendolyn
I am very happy with the service Red Star provide. Everyone I spoke to was very helpful and supportive and knowledgeable. They were always polite and courteous.
Hannah
Easy and simple and very helpful staff. I’ve not claimed on anything yet so can’t comment on that but getting it was straightforward.
Claire S
Ryan Price sorted my policy for me. He explained everything very well and I am pleased with the policy I have chosen.
Keya C
Hayley was amazing! She was really patient and listened to what I needed and informed me of the most suitable products for my situation! I felt like I was in good hands!
Still Got Questions?
What is Relevant Life cover and why is it tax-efficient?
Relevant Life is a single-life death-in-service style policy that a limited company pays for on behalf of an employee or director. Premiums are usually treated as a tax-deductible business expense, there's no benefit-in-kind, and the lump sum is paid via a discretionary trust to the family — usually free of income tax and inheritance tax.
Can I use Relevant Life if I'm the sole director?
Yes. As long as you're a salaried employee of your own limited company, you can typically be covered under a Relevant Life policy. Sole traders and partnerships can't use it — they'd look at personal life cover or income protection instead.
What's the difference between Key Person and Shareholder Protection?
Key Person Cover protects the business against the financial impact of losing someone critical (founder, top fee-earner, key engineer). Shareholder Protection makes sure that when a shareholder dies, the surviving shareholders can buy back their shares — and the family gets paid fair value — without losing control of the business.
Do you charge a fee for advice?
No. Insure My Life is paid by the insurer when a policy is set up, so our advice costs you nothing. There's no obligation to proceed and no charge if you don't.
Are you regulated?
Yes — Insure My Life is authorised and regulated by the Financial Conduct Authority (FCA). All advice is provided by qualified protection advisers based in the UK.
Get business protection that actually pays out — properly structured, fairly priced.
Compare every major UK insurer, get HMRC-aware advice, and put the right policy in trust. Free, no obligation, ready when you are.
*The above price estimates are based on; 20 year term, cover is level basis, a non-smoker with no health conditions. Quotations were generated on 01/08/2024.”
*Over 96% Customer Satisfaction* – Based on a 4.8 out of 5 average rating from 4,426 verified customer reviews.
Insure-My-Life.co.uk is a trading style of Red Star Financial Services Limited who are authorised and regulated by the Financial Conduct Authority, ref: 669592. Red Star Financial Services Limited is registered in England & Wales, No: 07129316. Registered office address: Boardwalk, 21 Little Peter Street, Manchester, M15 4PS.
Cover
Relevant Life
Key Person
Shareholder Protection
Income Protection
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