Understand the risk
We identify who depends on you, what is already covered and the financial gap that remains.
SPECIALIST PROPERTY FINANCE
Directors’ life insurance
Life cover options designed around directors and their businesses. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
How we help with directors’ life insurance
Good protection advice starts with the financial impact you want to guard against. We assess needs, existing benefits, budget, policy quality and underwriting before recommending suitable cover.
Compare suitable options
We compare policy definitions, benefits, exclusions, underwriting and cost, not price alone.
Put cover in place
We manage the application and explain any terms offered before the policy begins.
Life cover structured for company directors
Directors may need personal family protection, business-owned cover or an employer-funded relevant life policy. The purpose and ownership must be clear before choosing a product.
Relevant life cover
Explore qualifying employer-funded life cover for an employee or director.
Shareholder protection
Plan funding that may help remaining owners purchase shares after death or critical illness.
Loan protection
Protect eligible company borrowing where a director's loss would affect repayment.
Personal needs
Keep family and mortgage protection distinct from business liabilities where appropriate.
Your Smart Mortgages contact
Aaron can arrange an initial business-protection review.
Life cover structured for company directors FAQs
What is a relevant life policy?
It is a form of employer-funded death-in-service cover for an employee, including some directors, subject to qualifying rules.
Can the company pay the premium?
For business-owned and qualifying relevant-life arrangements, the company may pay premiums. Tax advice is essential.
Is this the same as shareholder protection?
No. Shareholder protection usually combines insurance with legal agreements designed around ownership succession.
Specialist knowledge that can make the difference
Our team regularly works with relevant life cover, directors, limited companies and business protection. Policy wording and underwriting can differ significantly, so we compare suitable insurers and explain important limitations before you apply.
Frequently asked questions
Will I need medical underwriting?
Most personal protection applications include health and lifestyle questions. The insurer may request additional medical evidence depending on the cover and disclosures.
Can existing cover be reviewed?
Yes. We compare what you already have with current needs before considering whether any change is appropriate. Existing cover should not be cancelled until replacement cover is accepted and in force.
Can you help throughout the UK?
Yes. Our protection team supports clients across the UK by telephone and video as well as through our branches.