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Business Life Insurance Planning

Perks of Being a Director

Being a director in a business is a really useful when planning your own life insurance. Usually, you would take the money out of your business, potentially paying a bunch of tax and then pay an insurance premium. Why don’t you do this through your business?

You can take out almost the exact same policy that you hold now but as an expense for reducing corporation tax, no employer NI contributions, no employee NI contributions or income tax (45% for additional rate taxpayers). Let us help you set up one of these unique policies for you.

Talk to our expert

Avidan Last

Head of Fusion Financial
+44 (0) 203 841 7010
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“We like to build lasting relationships to ensure we understand where you are and your financial ambitions, to build a life-long plan that provides financial security and peace of mind”

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Protect the Biggest Risks

Many companies operate by finding talented people to operate within or run parts of the business. So what happens when something happens to one of those employees? Many businesses have gone down overnight on the death of a key person and they wont be the last. Protecting against this very real risk can be relatively inexpensive and allow you the capital to stay trading, until a replacement can be found or trained.

Group Private Medical Insurance

Staff often want bigger salaries, bigger bonuses, more company events or more holidays. If they don’t feel like you are treating them better than your competition then that’s exactly where they will go. So what can you give them that is valuable, that your competitors don’t have and cheap?

Group Private Medical Insurance (PMI) is a simple benefit that guarantees your staff the best possible care if they are ever sick or injured. Policies even help with mental health, which is a particularly prominent issue with the recent COVID outbreak and the move to working from home.

These policies spread the risk over all your employees ensuring that premiums are much cheaper than conventional personal PMI policies and studies show that employees value this benefit greater than salary and are less inclined to leave an employer as a result. Better yet, if they are ever sick, you are giving them the tools to get back to work faster and better than before.

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Other Financial Services

1

Pensions. Retire your way.

Tell us your goals for the future and we’ll make sure you have the right pension plan in place. A plan that can flex and develop as your needs change. Whether you want to dip into your pension pot early, reinvest or choose an annuity - we can help you weigh up all the options. Got multiple pensions? We can help consolidate them. Occupational retirement scheme? We’ll help you get the best return.

Savings and Investments. Building your future.

Whatever your stage of life, we’ll make your money work harder. From maximising your tax-free savings with an ISA to revealing attractive tax concessions with Enterprise Investment Schemes, Seed Enterprise Investment Schemes and Venture Capital Trusts. We’ll help you create an investment plan that not only helps you achieve your goals but opens up new opportunities too.
3

Personal protection. Your safety net.

Life is anything but predictable. That’s why it’s important you always have a safety net. From PMI to life cover, critical illness and income protection, we’ll help you put the right protection policies in place, to ensure that you and your loved ones are looked after.
4

Business protection. Protect your key people.

You depend on your key people to operate your business. From PMI to life cover and critical illness protection. Make sure that if the worst does happen, your business is not financially affected, and your employees are looked after.
5

Estate planning. Preserve your wealth.

Get peace of mind and leave your loved ones looked after. We’ll help you get your affairs in order. From Wills, trusts and lasting powers of attorney to Business Property Relief and whole-of-life policies. We can help minimise your tax liabilities and make sure your wealth gets passed on smoothly and tax-efficiently.
6

Borrowing. Get the best solution.

Whether you’re buying a home, a buy to let, or you want to raise cash from your property - we’ll help you find the best solution to achieve your long-term goals.

360° Advisory

When we work together, you achieve more.

Get all the expertise you need – all in one place. Instead of spending your time piecing together siloed advice from a range of advisors, you can put our end-to-end solutions into action and start getting results. Are you ready to reveal new opportunities together? Let’s talk.

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360° Advisory

When we work together, you achieve more.

Get all the expertise you need – all in one place. Instead of spending your time piecing together siloed advice from a range of advisors, you can put our end-to-end solutions into action and start getting results. Are you ready to reveal new opportunities together? Let’s talk.

fusion tax
Tax
fusion accountancy
Accountancy
fusion financial
Financial
fusion law
Law
fusion consulting
Consulting
fusion digital
Recruitment
fusion international
International

360° Advisory

When we work together, you achieve more.

Get all the expertise you need – all in one place. Instead of spending your time piecing together siloed advice from a range of advisors, you can put our end-to-end solutions into action and start getting results. Are you ready to reveal new opportunities together? Let’s talk.

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