Protection

Life assurance is a rather inexpensive way of protecting the families standard of living should a main breadwinner pass away. The cost is usually affordable and yet it provides at times a large tax free lump sum for those left behind.
Some business owners or key workers can have a Relevant Life plan. A Relevant Life plan is paid by the business/ employer which in turn enjoys tax releif.
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Small Businesses

They can insure all their work force by setting up a Group Life assurance scheme. A Group scheme is a great employee benefit and helps retain key workers and the cost is fully tax deductible for the employer. Other group cover is available : Income Protection, Private Medical Insurance and Critical illness too. These added benefits given to employees make them feel they are part of a bigger firm.