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Business Protection

Relevant Life Plan

Good Health, Good Business.

Award-winning cover when your clients need it most

  • Defaqto
  • Defaqto
  • Moneyfacts 2020 and 2021 best critical illness provider

What is a Relevant Life Plan?

A Relevant Life Plan can save your clients up to 50% tax, compared to an ordinary life plan. It's a tax-efficient way for your clients to provide a valuable benefit to their employees as well as their business as a whole - employees are likely to be more engaged, take less time off sick and be more productive. 
doctor pushing patient in wheelchair

Vitality's Relevant Life Plan

Our Relevant Life Plan provides a sum assured with cover for a fixed term - which pays out on death or terminal illness. It's a great way for your clients’ employees to protect their family if they were ever to be diagnosed with a terminal illness or to die, as it provides a cash lump sum which they can use to pay off the mortgage or other debts.

A Relevant Life Plan from VitalityLife also enables your client to offer their employees a wide-ranging benefits package which not only rewards them but helps them to live life well.

Who are they for?


Company Directors

Directors of limited companies can enjoy valuable tax benefits if the premiums for life insurance are paid by one company instead of from personal income after tax. 

Save clients money

High Earners

The benefits of Relevant Life Plans do not count towards the current Lifetime Allowance of £1,072,100, above which tax is currently charged at 55% tax (on death).


Specific Employees

Relevant Life Plan can provide individually calculated cover levels so are suitable where companies only want to reward several employees or provide variable cover.

Relevant Life Plan toolkit

Quick access to everything you need to support your client conversations.

Why choose our Relevant Life Plan?

 More affordable cover
With our Optimiser your clients could receive up to 30% lower than our standard premium dependent on the individuals' age and the length of their term. 

 It's tax efficient
If your client takes out a plan for an employee, they make tax savings of up to 50%, in the form of a tax-deductible business expense and no National Insurance contributions. 

 3. Helping their business to attract and retain talent
A great employee benefit for small businesses – they get great life cover and access to our range of health and reward partners. 

 4. Flexible continuation options
We offer continuation options, all without extra underwriting, enabling employees to replace cover with a personal protection plan (if they’re under 65). 

 5. Access to the Vitality Programme
To help your client and their employees understand their health and incentivises them to take steps towards a healthier future, with a range of compelling discounts and rewards.

We're here to help

Your Business Consultant is always ready to support you.


Adviser Hub

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Get in touch

Call us on 0345 601 0072. Lines open Monday - Friday 8.30am - 6pm


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