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Peace of mind cover for all of life’s eventualities.

What is life insurance?

Types of Cover

Life/ Critical Illness

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Life Insurance

For Business...

Relevant Life Cover

Relevant Life Cover allows employers to offer a death-in-service benefit to their employees. It is a tax-efficient life insurance policy, set up by the employer and pays out a tax-free lump sum on the death (or diagnosis of a terminal illness depending on the insurer) of the person insured. The proceeds go to the employee’s family, financial dependants and/or other nominated beneficiary.


This cover might benefit high-earning employees who might exceed their personal pension lifetime allowance or have members of group schemes who want to top up their benefits.

  • Counts as a tax-deductible business expense (unlike some group schemes);
  • The premiums are paid monthly;
  • Flexibility of Guaranteed premiums or reviewable premiums depending on insurer;
  • Benefits are usually free from inheritance tax; and
  • Maximum amount of cover available is can be up to £10 million depending on insurer.
  • Must be written into a discretionary trust;
  • We won’t pay a claim if the person covered dies as a result of intentionally taking their own life within the first 12 months of the policy starting;
  • The person covered must be a UK resident and an employee of a UK business;
  • Cover isn’t available to sole traders or partnership companies; however it can be set up by a PAYE employee of a sole trader.
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Life Insurance

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Life & Mortgages is a trading style of 3DMT Ltd who is an Appointed Representative of Sanlam Partnerships Ltd which is authorised and regulated by the Financial Conduct Authority. Registered office: 114-116 Fore Street, Hertford, Hertfordshire, SG14 1AJ.  Registered in England and Wales, Company no 11921094.
3DMT Ltd adheres to and subscribes to the Financial Ombudsman Service. For full details of their service CLICK HERE or contact us for further information.