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It's not key person life cover. It's a relevant life cover, and it works exactly the same way as normal life cover in that your chosen beneficiary will get a pay out if you die. If you work through your own Ltd company and don't put life cover through your company (set up the right way) you are wasting...
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You can put life insurance through your company and not pay BIK, but it needs to be a certain type of life cover. Just Google "Relevant Life Insurance and Ltd company".
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