Life Insurance

Protect your family.

Life Insurance can help ease your worries that your loved ones will be taken care of and may not have to deal with the financial strain that could arise from you no longer being around. Loved ones could receive a lump sum up if you die or are diagnosed with a terminal illness.

You may want to consider Life Insurance if you’re:

  • Aiming to assist your family financially such as a child’s education and ongoing living costs
  • Suffering with or are worried about poor health
  • Concerned about ongoing financial responsibilities such as mortgage repayments and debts should you pass away.

Contact us at SJPR Finance and, along with our selected authorised partners, we will take care of everything.

Relevant Life insurance

For company directors and the self-employed Relevant Life Insurance offers the same benefits as a standard personal life insurance policy except that it is paid for by your company and the premiums paid are usually eligible for Corporation Tax relief.

Although the premiums are paid for by the company it is important to note that any benefit is ultimately paid to the family of the employee (via a relevant life trust) rather than to the company.

A Relevant Life Plan allows employers to give death-in-service benefits to their employees outside of a registered group life scheme. Our Relevant Life Plan is available as a stand-alone, single life plan. Premiums can be treated as an allowable expense for the employer in calculating their tax liability, as long as they qualify under the ‘wholly and exclusively’ rules. In most cases the benefits are paid free of Inheritance Tax – provided they’re paid through a discretionary trust. You may have the option to add critical illness cover to this policy.

Get in touch to find out more.

Buildings & Contents

For individuals and landlords this covers loss of, and damage to, your home, garage, shed and their contents, caused by fire, break-ins and weather events. If you’re a landlord renting out a residential property, make sure your building is well covered. There are options to cover your furnishings too.

Get in touch to find out more.

Income Protection

Income Protection is designed to help you get back on your feet, covering your monthly income if you’re unable work due to sickness or injury. You will receive a monthly benefit into your bank account so you will be able to stay on top of bills and maintain your lifestyle while focusing on your recovery.

Health Insurance

Whether you’re looking for a basic or higher level of health cover, at SJPR Finance can help you find a private health insurance product to cater for your lifestyle and budget. May find a several options regarding your health care for you and your family.

Critical Illness

Sometimes even the healthiest people are diagnosed with illnesses they have little chance of preventing – like cancer. Critical Illness benefits are paid regardless of the life insured’s ability to work. The funds can be used for any purpose the policy owner chooses, whether for the reduction of debts, to seek specialist or alternative medical treatment or make lifestyle changes (such as reducing working hours).  Critical Illness cover can be combined with life insurance.

Critical Illness cover pays a lump sum benefit if the life insured suffers one of the defined Critical Illness events.

Get in touch to find out more.

Business Insurance

Professional indemnity insurance provides you and your business with protection against claims for financial loss, bodily/personal injury or property damage arising from an act, error or omission in the performance of professional services.

If you’re in any kind of profession that gives advice or provides a service, for example: advertising agencies, management consultants or consulting engineers, professional indemnity is a necessity. Your business is your livelihood, so protecting it is paramount.

At SJPR Finance we can also assist you in sourcing the right Employers and Public Liability insurance.

Get in touch to find out more.




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