This tax-efficient method retains the same level of cover but can save the likes of Contractors a considerable amount through savings in National Insurance, Income and Corporation Tax. Well, put simply, a Relevant Life Cover policy is an effective way of getting personal cover paid by a company, as a business expense, rather than through taxed income via a more traditional policy. To see how, take a look at our example below which highlights how John, a UK-based Contractor, saved 57.82% on his monthly premium costs: Monthly Premium: £60 Income Tax Rate: 40% Length of policy: 25 yrs Traditional: The total monthly cost to John and his company: £113.80 (Includes: Premium cost, employee NI contribution, income tax, employers NI contribution and Corporation Tax Rebate) Relevant Life Insurance Plan: The total monthly cost to John and his company: £48. Instrukciya specialista otvetstvennogo za osuschestvlenie proizvodstvennogo kon. By switching to a Relevant Life Cover policy, Contractors could save over 50% on their personal life cover. This no longer needs to be the case!

Apartments Penovic Stoliv Bay is set in Stoliv Bay, only 15 m from a private stone beach. Featuring free Wi-Fi and free parking, it offers a common terrace and barbecue facilities. The UNESCO-listed Kotor’s Old Town is 9.4 km away. All apartments comprise a balcony or a terrace with a seating area, air conditioning and a TV with satellite channels. Each unit has a private bathroom with a shower and a hairdryer. A restaurant serving fish and meat dishes and a grocery shop can be found within 50 m. Tennis courts, a football pitch and a squash court are 6 km away, in Tivat.

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A ferry port is located at a distance of 2 km. Kotor Bus Station is 9.3 km away. Tivat Airport is 11.4 km from the Penovic Apartments.