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Orridge & Dunn Independent Financial Advice is a trading name of Obsidian Financial Limited which is authorised and regulated by the Financial Conduct Authority. Financial Services Register Number 509756.

Obsidian Financial Limited Registered Address: Obsidian House, Hints Road, Mile Oak, Tamworth, B78 3PQ. Registered in England, No. 06925501. The information contained within this site is subject

to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK. The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints

between regulated firms and their clients. Full details of the FOS can be found on its website at http://www.financial-ombudsman.org.uk

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Business Protection Insurance ensures that you, your co-workers and the business itself are insured against the unexpected.


We can help identify any risk areas and work with you to put a plan in place to ensure that in the event of any unforeseen eventualities you can:

• Keep the business trading

• Replace key individuals

• Protect corporate debt

• Buy out a shareholder or their estate if they become critically ill or die



This video is intended for educational purposes only.

If you are a company director and you have personal life cover to protect your family, you could be paying more tax than you need to. With a "relevant life" policy, although the company makes the payments they are not treated as a benefit in kind, and so would not be included in your income tax assessments. This can be a significant saving, particularly for a higher or additional rate taxpayer. Additionally, the payments may be an allowable expense for the company in calculating their tax liability.