Executive Income Protection

Executive income protection is structured through your limited company, making premiums a corporation tax deductible business expense. If you're unable to work due to illness or injury, the policy pays a replacement income — typically up to 60-70% of your earnings. For directors and contractors operating outside IR35, this is significantly more tax-efficient than personal income protection paid from post-tax income. The policy pays out after a chosen deferral period and can continue until you return to work, reach retirement age, or the policy term ends.