Bright Grey has launched a stand alone Relevant Life Policy which is aimed at small to medium sized enterprises (SMEs).
The policy can be written on a single life which will allow an alternative way of providing life cover for SMEs that have too few employees for a group scheme. In addition, for high earners the lump sum benefits will not form part of the employee's annual or lifetime pension allowance.
Jerry Bayman, National Partnership Manager for business protection said: "Most group risk providers are reluctant to write schemes for less than 5 members. While some employers pay for the provision of personal policies, particularly for directors, the premiums on these will be taxed back on the employee as remuneration."
He added that Relevant Life policies avoid this problem and are a highly tax efficient way of providing valuable life cover for dependents. While predominantly aimed at directors and high earners, they can be suitable for any employee.




