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Keep the business trading and in the right hands if an owner or key person dies or falls seriously ill. Key person cover, shareholder and partnership protection, co-director cover and executive income protection, quoted from every main Irish insurer.
The owners, the people the business depends on and any cover you hold today. A senior advisor is in touch with quotes from every main Irish insurer.
Tax relief, contribution limits and the right plan differ between the three.
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Key person cover pays the company a lump sum if someone it cannot easily replace dies or is diagnosed with a serious illness. The money covers lost profit and the cost of finding and training a replacement, so the business keeps trading while it recovers.
Revenue allows the premium as a business expense where the cover is for loss of profit only, the policy is term cover with no surrender value, and the person insured owns no more than 15% of the company. In that case the payout is taxed as a trading receipt. Cover taken out to repay a loan does not qualify for the deduction.
When a shareholder dies, their shares pass to their family. The family may want cash rather than a stake in a company they do not run, and the surviving owners may not have the money to buy them out. Shareholder protection solves both problems.
Each shareholder's life is insured for the value of their shares, and a buy-sell agreement drawn up by your solicitor sets out how the shares change hands. The money can go to the surviving shareholders, who buy the shares, which is often known as co-director cover. Or it can go to the company, which buys the shares back. The family gets fair value in cash, and control stays where it should.
Partnership insurance does the same job for a partnership. If a partner dies, the money lets the surviving partners buy that partner's share from their estate, so the practice continues and the family is paid.
Executive income protection covers a director's income instead. If illness or injury keeps them out of work, the policy pays the company up to 75% of their earnings, less the State Illness Benefit if they are entitled to it, and the company pays it on to them. The company pays the premium, and it qualifies as a business expense.
How a payout is taxed depends on the structure, which is why we set shareholder and partnership cover up alongside your accountant and solicitor.
| Cover | Owned and paid by | Premium | Payout |
|---|---|---|---|
| Key person | The company | A business expense if Revenue's conditions are met | A trading receipt where the premium was deducted |
| Co-director cover | Each shareholder | Paid personally, not deductible | Paid to the surviving shareholders to buy the shares |
| Company buy-back | The company | Normally not deductible | Paid to the company to buy back the shares |
| Partnership insurance | Each partner | Paid personally, not deductible | Paid to the surviving partners to buy the share |
| Executive income protection | The company | A business expense | Paid to the company, then to the director with tax deducted |
The owners, the key people and any cover you have today.
Who to insure, for how much, and which structure suits the business.
Premiums and terms from every main Irish insurer, side by side.
Your solicitor drafts the buy-sell agreement; we work with them and your accountant.
Applications, underwriting and policies in the right names.
Cover checked against the business value and profits as they change.
We (Richie and Nickey) received excellent pension advice that was clear, honest, and tailored to my situation. Everything was explained in a way we could easily understand, and we felt confident making decisions about my future. Highly professional service and very reassuring throughout the process.
They made setting up a company pension on a deadline extremely easy and stress free. You can tell they understand the products inside out. Very approachable, great availability for support with instant and clear answers.
True Wealth was super efficient in locating my UK pension. They were very professional and responsive in dealing with the relevant pension organization. I would highly recommend True Wealth.
Thank you for the several calls to advise me. Great client attention! Eimear is fantastic! I had my pension sorted and a few insurances arranged. All the best.
Excellent service. Always there if I had any questions, would recommend without hesitation. A 5 star service. Thank you everyone.
Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
Life cover, and optionally serious illness cover, that the company takes out on someone the business depends on. If that person dies or falls seriously ill, the company receives a lump sum to cover lost profit and the cost of replacing them.
It can be. Revenue allows the premium where the cover is for loss of profit only, it is term cover with no surrender value, and the person insured owns no more than 15% of the company. When the premium is deducted, the payout is taxed as a trading receipt.
A legal agreement between the shareholders, drawn up by a solicitor, that sets out how a shareholder's shares are bought from their estate if they die. The life cover provides the money; the agreement makes sure it is used to buy the shares.
With co-director cover, each shareholder owns cover and the surviving shareholders buy the shares themselves. With a company buy-back, the company owns the cover and buys the shares back. We compare both with your accountant before you choose.
Yes, often more than a larger company does. With two owners, the death of one can leave the other in business with that person's family.
Yes. Key person and shareholder cover can include serious illness cover, so the money is there if an owner cannot come back to work.
When the business value or profits change, and at least every few years. Cover set when the company was smaller can leave a family short and the business exposed.
Sources checked 7 October 2026.
Two minutes on the form. A senior advisor is in touch with quotes from every main Irish insurer.