The table of quotes above is a true live cost list of results, produced today, based on the following example Client
Business Protection (could be a 'death in service' policy) 
Company employee (PAYE) 
date of birth 15/7/1980 (current age 40) 
non smoker 
£1,000,000 level term assurance business insurance cover 
policy runs until retirement age, currently age 67 
The table above shows a range of insurers and premiums, with £71.92pm being the lowest standard rate cost. Even that price is tremendously good value for a huge £1,000,000 of life insurance cover! 
But, did you know that if you personally pay the quoted £71.92 monthly premium (the cheapest price point from the results table) that this is actually going to cost you £84.99? 
However, we know how to make your £71.92 outlay, even cheaper. 
Properly arranged and set up for you and your business, we can make that same £1MILLION of cover, just £58.26pm instead. 
Same policy, same insurer, same cover, no fees .... just properly submitted, implemented and structured via our professional advice. 
31.45% LESS 
Why? How? ...... see below.... 
Our Business Protection Advisers know how to quote, propose and implement the policy, in association with a detailed discussion and guidance with your accountant, and then - as you can see above - the standard outlay of £71.92 becomes a net outlay of £58.26 per month.... and certainly not the true higher personal cost of £84.99, which it could be if arranged incorrectly. 
Easy set up; 
The tax reliefs / benefits of Relevant Life insurance will be clearly explained to you and your own professional Advisers, and by personalising new quotes for you, we will show you how you could also save 31.45% (or more) off your Company's costs.  
Every business wants to reduce overheads and this is one way we can help you .... without any extra work on your part, no fees to pay, and with the peace of mind that your needs are being properly looked after now, and on an ongoing future review basis too. 
Great recruitment and retention offer for you and your staff; 
Relevant Life is for Ltd Company directors, and staff, and can be set up as a flexible, portable, low cost alternative to the traditional death in service schemes. DIS is a massive benefit for employees, and we know this is a key factor for many candidates when comparing potential employers. 
Single policies, or for a group of staff members, we set this up quickly and efficiently for you and your Company. 
Simply send us your contact details in the enquiry form below, and we call you and show you how we can help you and your Company, too. 
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H D Consultants. Contact details here Live Chat webpage here Broker Log In / BrokerCentre here 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is a trading name of Howard Reuben who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
FP Ref: 1436009 / exp 25.08.2025 
Long established, recognised and national nominees and award winners for our professional mortgage services; 
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