STORM CLAIMS: If your property has been damaged as a result of the recent weather conditions and you don't need us to take urgent action you can notify us online of your claim. 

If you do require urgent action to be taken by us, call: 0800282652

STORM CLAIMS: If your property has been damaged as a result of the recent weather conditions and you don't need us to take urgent action you can notify us online of your claim. 

If you do require urgent action to be taken by us, call: 0800282652

Protecting your Employees

Attract and retain employees with a better benefits package.

Relevant Life Insurance is a policy that provides death-in-service benefits for employees. We've partnered with AIG Life Limited (now owned by Aviva) to keep you covered.

Get covered

Contact your local agency office

However you choose, whether in person or at the end of a phone, our Agents will be there for you when you need them most.

Product overview

A good employee benefits package can demonstrate to staff that their employer is concerned about each individual's financial security. This in turn may encourage staff loyalty and retention and could also appeal to job seekers looking to join your business.

A Relevant Life Insurance policy allows your business to provide death in-service benefits for employees, which are tax-efficient for the employee, their beneficiaries and your business.

Who needs it?

  • Businesses that do not provide a group life insurance scheme.
  • Businesses that would like to provide additional life insurance to supplement the benefits provided by an existing group scheme.

You have the option to enhance the benefits available to your employees by offering life insurance protection to pay out a lump sum either to the employee if they become terminally ill* or to their beneficiaries if they die.

*Terminal Illness means a diagnosed life expectancy of less than 12 months.

Benefits of Relevant Life Insurance:

  • HMRC usually views the premiums as an allowable business expense for the employer and not a benefit-in-kind for the employee.
  • Death benefit will normally be free of Inheritance Tax because the policy is written in trust.
  • The employer can claim tax relief on the premiums as long as the local inspector of taxes is happy that the premiums are ‘wholly and exclusively for the purpose of trade’ as part of the employees remuneration.
When you contact us we'll explain the advice services we offer and our charges. NFU Mutual Financial Advisers advise on NFU Mutual products and selected products from specialist providers.

Tax treatment depends on individual circumstances and may change in the future.

Financial advice is provided by NFU Mutual Select Investments Ltd.

Our chosen partner AIG Life Limited (now owned by Aviva)

This range of protection products is provided by AIG Life Limited (now owned by Aviva). They complement us perfectly, adding choice and value to our range of products and mirroring our commitment to outstanding customer service.

  • Experience

    We've been providing financial advice for over 90 years, so you can be sure that the advice we give will be appropriate for your circumstances and financial goals.

    Experience

    We've been providing financial advice for over 90 years, so you can be sure that the advice we give will be appropriate for your circumstances and financial goals.

  • Expertise

    With NFU Mutual Financial Advisers across the UK, we can help you make sure the right cover is in place to protect your family's financial future.

    Expertise

    With NFU Mutual Financial Advisers across the UK, we can help you make sure the right cover is in place to protect your family's financial future.

  • Mutuality

    Our approach is built around our mutuality, working in the interests of our customers.

    Mutuality

    Our approach is built around our mutuality, working in the interests of our customers.

What's next?

Take out a new policy

Ready to buy a Business Protection policy? We can help you to make sure that you get the right cover.

Existing customers

Get a new quotation, make changes to, discuss your renewal or cancel your Insurance policy.

Business Protection Claims

Start a new claim and discuss or update a claim that is in progress.