Employee Focused
Executive Income Protection
Provides employees/directors sick pay cover by paying their monthly salary when incapacitated to work through accident, illness or injury.
Did you know…when SSP (statutory sick pay) is paid this is no longer refundable from HMRC and is a business expense?
Would you like to know your employees can provide for their families month to month even when they are off long-term sick, giving them financial peace of mind to focus on their health?
The business also benefits by covering Employers NI & Pension contributions, which also provides the business financial peace of mind for additional employee costs.
This cover has tax efficiencies, for both the business and individuals:
- Corporation Tax allowable expense
- No P11D implications for employees
Why do you need it?
Provides monthly income for the business by protecting against the financial impact of their employees being incapacitated to work – pays their sick pay.
Who can Benefit?
All Employees
Includes: earnings, dividends and P11D benefits. Additional cover can also include Employers NI & Pension Contributions.
What are the Tax/NI Efficiencies & Implications?
- Corporation tax deductible at Marginal Tax Rate
- No Employer NI Payable
- No P11D Benefit for the Employee
What our Clients Say
Emily-Bagley Duncan
“I was introduced to Sam by one of our business suppliers Adam Davey from Petaurum HR. As a growing company we wanted to provide our employees with some great benefits which not only protected them, also benefited us as the employer. Sam provided us a number of options which allowed us to make the right… Read more “Emily-Bagley Duncan”
Naomi Johnson
Sam has been so attentive with my policies. Not only was she really creative to put the right package together, but her attention to deal and support is second to none. With Sam you’ll know she’ll be proactive and by your side long after your policy is set up and ticking by. Highly recommend her… Read more “Naomi Johnson”
Rob Hattersley
“When starting my own business, I knew I needed to protect my investment as I’d met Sam from Enable Life about 18 months prior at a networking event. In preparation Sam really understood how simple my needs were and helped me protecting my Directors Loan. Later that year I wanted to provide key staff an… Read more “Rob Hattersley”
Susan Wilmot Rowe
“Sam’s passion for protection is forefront of everything she does, she was very understanding of my time scales and worked with me and my business budget to understand how best I could protect my income if I was unable to work in the future. She also advised that as a limited company I could structure… Read more “Susan Wilmot Rowe”
Relevant Life Plans
Provides employees a death in service benefit by paying a lump sum upon diagnosis of a Terminal Illness and Death. Significant Illness can now be covered.
Would you like to know your employees’ families have additional financial peace of mind?
This cover has tax efficiencies, for both the business and individuals:
- Corporation Tax allowable expense
- No P11D implications for employees
- Does not form part of Lifetime allowances for high earning individuals such as directors
Why do you need it?
Provides life insurance for premature death or Terminal Illness diagnosis for employees on an individual death in service benefit.
Who can Benefit?
All Employees!
What are the Tax/NI Efficiencies & Implications?
- Corporation tax deductible at Marginal Tax Rate
- No Employer NI Payable
- No P11D Benefit for the Employee
Rachael Syrett
“Sam was introduced to us by our new accountant at the time, Steven Pincott from ApC, even though it was a new relationship to us we knew Sam had done some work directly with ApC so felt it was a good referral. Once we had met Sam after the first meeting we were all very… Read more “Rachael Syrett”
Emily-Bagley Duncan
“I was introduced to Sam by one of our business suppliers Adam Davey from Petaurum HR. As a growing company we wanted to provide our employees with some great benefits which not only protected them, also benefited us as the employer. Sam provided us a number of options which allowed us to make the right… Read more “Emily-Bagley Duncan”
Steven Pincott
We have been a client of Enable Life now for 3 years. Sam was great in explaining all of the policies available to us when we were preparing for our Management Buy Out (MBO). She met with us all in person on several occasions and provided us with detailed explanations of everything including protecting our… Read more “Steven Pincott”
Gareth Jones
Being introduced to Sam direct from our accountant gave us confidence we were in the right hands from the outset. When Sam said she use to be an accountant this strengthened my confidence and trust. She knows her way around business and her tax knowledge was very helpful. One of our directors had a couple… Read more “Gareth Jones”
Private Medical Insurance
Provides employees/directors private medical health care with high quality facilities and bypassing the NHS waiting lists.
Would you like to know your employee can get treatment when they need it?
This cover is a great employee benefit and complementary for Key Person protection to ensure they are back to work sooner rather than later for acute conditions including Critical Illnesses
Why do you need it
Allows employees to get treatment promptly without lengthy NHS wait lists so they can return to work faster and help reduce absenteeism costs.
Who can Benefit?
All Employees
Ideal for Directors and Key People.
What are the Tax/NI Efficiencies & Implications?
- Corporation tax deductible at Marginal Tax Rate
- Employer NI Payable
- P11D Benefit for the employee covered at Marginal Tax Rate
Tom Yeo
I was introduced to Sam from our accountant at Azets, when you have a great relationship with your accountant you always trust their recommendations! I wanted more confidence from our insurance broker to ensure as a company we were being looked after with our Private Medical Insurance (PMI). As an accountant myself I wanted to… Read more “Tom Yeo”
Louise Sparkes
Thank you for your assistance and understanding our business needs. Your knowledge of Private Medical Insurance (PMI) and business protection, explaining and using simple language not usual industry jargon, made our decisions very easy. Sam ensures we get the very best outcome when it comes to our annual renewal for our PMI policy, by doing… Read more “Louise Sparkes”
Rob Cartlton
I can highly recommend Sam to your business; Sam’s professionalism, enthusiasm and combined with her hands on approach to delivering value differentiated them from other high-profile firms I have used in the past. I found most impressive and valuable is Sam’s attention to detail. Sam has a passion to help SME businesses and has taken… Read more “Rob Cartlton”
Rob Hattersley
“When starting my own business, I knew I needed to protect my investment as I’d met Sam from Enable Life about 18 months prior at a networking event. In preparation Sam really understood how simple my needs were and helped me protecting my Directors Loan. Later that year I wanted to provide key staff an… Read more “Rob Hattersley”
Lynn Collins
I knew Sam through networking for quite a while before I actually needed her help, and it wasn’t until I started speaking with her that I really got to understand the breadth of her knowledge and the level of professionalism and passion she has for her craft. I was new to having to review private… Read more “Lynn Collins”
Group Income Protection
Provides employees/directors sick pay cover by paying their monthly salary when unable to work through accident, illness or injury.
Did you know…when SSP (statutory sick pay) is paid this is no longer refundable from HMRC and is a business expense?
Would you like to know your employees and directors can provide for their families month to month even when they are off long-term sick, giving them financial peace of mind to focus on their health?
The business also benefits by covering Employers NI & Pension contributions, which also provides the business financial peace of mind for additional employee costs.
This cover has tax efficiencies, for both the business and individuals:
- Corporation Tax allowable expense
- No P11D implications for employees
Why do you need it?
Provides monthly income for the business by protecting against the financial impact of their employees being unable to work – pays their sick pay and additional costs.
Who can Benefit?
All Employees
Includes: earnings, dividends and P11D benefits. Additional cover can also include Employers NI & Pension Contributions.
What are the Tax/NI Efficiencies & Implications?
- Corporation tax deductible at Marginal Tax Rate
- No Employer NI Payable
- No P11D Benefit for the Employee
Tom Yeo
I was introduced to Sam from our accountant at Azets, when you have a great relationship with your accountant you always trust their recommendations! I wanted more confidence from our insurance broker to ensure as a company we were being looked after with our Private Medical Insurance (PMI). As an accountant myself I wanted to… Read more “Tom Yeo”
Louise Sparkes
Thank you for your assistance and understanding our business needs. Your knowledge of Private Medical Insurance (PMI) and business protection, explaining and using simple language not usual industry jargon, made our decisions very easy. Sam ensures we get the very best outcome when it comes to our annual renewal for our PMI policy, by doing… Read more “Louise Sparkes”
Rob Cartlton
I can highly recommend Sam to your business; Sam’s professionalism, enthusiasm and combined with her hands on approach to delivering value differentiated them from other high-profile firms I have used in the past. I found most impressive and valuable is Sam’s attention to detail. Sam has a passion to help SME businesses and has taken… Read more “Rob Cartlton”
Rob Hattersley
“When starting my own business, I knew I needed to protect my investment as I’d met Sam from Enable Life about 18 months prior at a networking event. In preparation Sam really understood how simple my needs were and helped me protecting my Directors Loan. Later that year I wanted to provide key staff an… Read more “Rob Hattersley”
Lynn Collins
I knew Sam through networking for quite a while before I actually needed her help, and it wasn’t until I started speaking with her that I really got to understand the breadth of her knowledge and the level of professionalism and passion she has for her craft. I was new to having to review private… Read more “Lynn Collins”
Group Life
Provides employees/directors a death in service benefit by paying a lump sum upon Death.
Would you like to know your employees’ families have additional financial peace of mind?
This cover has tax efficiencies, for both the business and individuals:
- Corporation Tax allowable expense
- No P11D implications for employees
Why do you need it?
Provides life insurance for premature death for employees on a group death in service benefit.
Who can Benefit?
All Employees
What are the Tax/NI Efficiencies & Implications?
- Corporation tax deductible at Marginal Tax Rate
- No Employer NI Payable
- No P11D Benefit for the Employee
Tom Yeo
I was introduced to Sam from our accountant at Azets, when you have a great relationship with your accountant you always trust their recommendations! I wanted more confidence from our insurance broker to ensure as a company we were being looked after with our Private Medical Insurance (PMI). As an accountant myself I wanted to… Read more “Tom Yeo”
Louise Sparkes
Thank you for your assistance and understanding our business needs. Your knowledge of Private Medical Insurance (PMI) and business protection, explaining and using simple language not usual industry jargon, made our decisions very easy. Sam ensures we get the very best outcome when it comes to our annual renewal for our PMI policy, by doing… Read more “Louise Sparkes”
Rob Cartlton
I can highly recommend Sam to your business; Sam’s professionalism, enthusiasm and combined with her hands on approach to delivering value differentiated them from other high-profile firms I have used in the past. I found most impressive and valuable is Sam’s attention to detail. Sam has a passion to help SME businesses and has taken… Read more “Rob Cartlton”
Rob Hattersley
“When starting my own business, I knew I needed to protect my investment as I’d met Sam from Enable Life about 18 months prior at a networking event. In preparation Sam really understood how simple my needs were and helped me protecting my Directors Loan. Later that year I wanted to provide key staff an… Read more “Rob Hattersley”
Lynn Collins
I knew Sam through networking for quite a while before I actually needed her help, and it wasn’t until I started speaking with her that I really got to understand the breadth of her knowledge and the level of professionalism and passion she has for her craft. I was new to having to review private… Read more “Lynn Collins”
Group Critical Illness Cover
Provides employees/directors a lump sum payment if they are to become Critically Ill with a named condition supported by your provider.
Would you like to know your employees’ families have additional financial peace of mind?
Why Do you Need it?
Provides critical illness cover for defined conditions in an economical way under a group.
Who Can Benefit?
All Employees
What are the Tax/NI Efficiencies & Implications?
- Corporation tax deductible at Marginal Tax Rate
- No Employer NI Payable
- No P11D Benefit for the Employee