Where Expertise Meets
Genuine Care
Star Elite sits within one of the UK’s largest and most forward thinking brokerages. Our strength lies in people – advisers and specialists united by a commitment to never deviate from our values. We combine deep expertise with genuine understanding, building lasting relationships founded on trust.
Life
Life Protection
Protecting what matters
most for generations
Life insurance provides lasting financial stability for those you care about most. In the event of terminal illness or death, it delivers a tax-free lump sum to your loved ones – ensuring they can maintain their lifestyle, settle financial commitments, and protect their future without uncertainty.
Because we’re independent, we’re not limited to one provider or one type of policy. We evaluate a wide range of market- leading options to secure the most suitable, competitive and comprehensive cover available.
At Star Elite, we bring more than a decade of specialist expertise to every enquiry. Our advisers understand that no two clients – or their priorities – are the same. We take time to understand your personal, family and financial circumstances before shaping a life insurance plan that reflects your goals, protects your assets and ensures your ongoing obligations can be met.
We’ll also guide you on the most tax-efficient structure, including how to write policies in trust and manage potential inheritance-tax implications.
Critical Illness
Financial resilience when
life takes an unexpected turn
A serious illness can disrupt every aspect of life, health, family and finances. Critical-illness cover ensures that if you’re diagnosed with a specified condition, you receive a tax-free lump sum to help you focus on recovery, not bills. It can fund private treatment, maintain household income and preserve the quality of life you’ve worked hard to achieve.
Our advisers have extensive experience in assessing your unique financial and personal circumstances. We take the time to identify the provider whose product benefits, underwriting approach and optional features, align with your individual profile. Online policies rarely account for these nuances; our bespoke advice ensures your cover precisely matches your requirements.
At Star, we believe that critical illness insurance is a pivotal protection, designed to complement, and operate in parallel with life insurance. As developing a serious illness during our working life is much more likely than sudden and unexpected death, ensuring the right level of cover is paramount, in managing and preparing for the unforeseen.
We’ll also explain any Benefit-in-kind considerations, ensuring every element of your plan is structured efficiently.
Why clients choose Star Elite
Decades of Expertise
Specialist, FCA-authorised expertise guiding you through complex financial landscapes.
Specialist Panel
Handpicked specialist panel to leading UK insurers, ensuring the most competitive and comprehensive cover.
Tailored Solutions
Bespoke, tax-efficient structuring designed specifically for your personal and financial goals.
Confidential Service
A relationship-led approach delivered with the utmost discretion and professionalism.
With Star Elite by your side, you can face the future secure in the knowledge that
your health, income and assets are fully protected.
Business
Relevant Life
Protecting people. Preserving value.
Relevant Life Cover is a highly tax-efficient way for a company to provide life insurance for its directors or employees. Premiums are treated as an allowable business expense, with no personal taxation for the individual, and benefits are paid tax- free to the nominated beneficiaries through a discretionary trust.
At Star Elite, we specialise in structuring policies that protect your people while enhancing the financial
efficiency of your business. Our advisers ensure each plan is compliant, robust, and written correctly in trust, so that proceeds reach loved ones swiftly and securely.
Whether you’re a director looking to protect your family or an employer supporting valued staff, Relevant Life Cover offers one of the most effective ways to combine personal protection with corporate advantage.
IN SUMMARY
- Fully allowable tax-deductible business expense
- No benefit in kind taxation
- Paid via trust for the benefit of dependants
- Discreet, compliant, and tailored to your company
Relevant Life: A smarter, more efficient way to protect your people
An illustration of how structuring life cover through your company can deliver significant savings while maintaining comprehensive protection.
| Mr Smith (age 50) – England, Wales, Northern Ireland | Personal Life Policy | Relevant Life Policy |
|---|---|---|
| Annual Salary | £50,271 – £125,140 | £50,271 – £125,140 |
| Corporation Tax Rate | 19% | 19% |
| Mr Smith Pays | £100.00 | - |
| Company Pays | - | £100.00 |
| Employee NI | £3.45 | - |
| Employee Income Tax | £68.97 | - |
| Employer NI | £25.86 | - |
| Total Cost | £198.28 | £100.00 |
| Less Corporation Tax | £37.67 | £19.00 |
| Total | £160.60 | £81.00 |
Total saving: £79.60 — approximately 50%
Figures are for illustration purposes only and will vary depending on individual circumstances. Tax treatment is based on current legislation and may change in the future.
Shareholder & Key Person Protection
Safeguarding the business behind the success.
When a key shareholder or senior leader passes away or becomes critically ill, the impact can reach every part of a business. Shareholder Protection ensures that the remaining directors retain control by providing the funds needed to purchase the departing owner’s shares. This keeps ownership stable and protects both the company and the individual’s estate.
Our advisers at Star Elite coordinate closely with your accountants and solicitors to arrange cross-option agreements and ensure each policy aligns seamlessly with your company’s structure and long-term goals.
Key Person Cover provides a financial safety net if a vital employee or director is lost through death or illness. It delivers funds to offset reduced profit, recruit replacements, and sustain confidence among lenders, suppliers, and clients.
We help identify your key individuals, calculate appropriate levels of cover, and build a strategy that keeps operations and reputation intact, whatever the circumstance.
Why clients choose Star Elite
- Collaboration with legal and accounting partners
- Discreet, relationship-driven service for business owners and directors
- Access to specialist corporate policies
- Thorough and comprehensive expertise in complex business-protection planning
Your ambitions, your assets, your home – with expertise you can rely on.
Health
Health Insurance
Your health. Your time. Your choice.
Private health insurance gives you immediate access to high- quality care when you need it most. It covers the cost of private consultations, treatment, and recovery, ensuring optimum medical provision when you need it most.
For clients who value privacy, and flexibility, it means freedom to choose leading specialists and treatment centres without delay. At Star Elite, we design cover that complements your lifestyle and priorities, ensuring your health plan works seamlessly alongside existing benefits and personal arrangements.
Our advisers will explain every detail clearly, including Benefit in kind considerations where company cover is provided. We’ll match you with the provider whose network, limits, and service standards best reflect your requirements.
"Because when it comes to health, confidence and control are everything."
Protection which is effortless to maintain, and invaluable when it counts.
Income Protection
Continuity when life is interrupted.
If illness or injury prevents you from working, Income Protection ensures your lifestyle and obligations remain secure. It replaces a regular portion of your income, tax free allowing you to cover essential outgoings such as mortgages, bills, and family expenses, so recovery becomes your only priority.
Regardless of the risks in your occupation, every individual has unique financial responsibilities. Star Elite advisers assess these carefully, selecting a policy that pays out promptly and reliably when you need it most.
Our approach is simple: expert advice and transparent explanations. We will help you balance cost, cover length, and benefit level.
Why clients choose Star Elite
We provide more than just insurance; we provide peace of mind through expert, tailored advice and unwavering support.
- Immediate access to private treatment
- Freedom to choose hospitals and specialists
- Confidence that your financial stability is secure
- Tailored cover for your role and income
- Clear guidance on tax and Benefit-in- kind treatment
- Proven expertise in complex protection needs
- Expert support at every step
Mortgages
Tailored Mortgage Solutions
Strategic lending, handled with expertise.
Whether you’re purchasing a new property, refinancing, or expanding your portfolio, your mortgage should be as considered as every other financial decision you make.
At Star Elite, we combine hand-picked specialist providers with a deep understanding of complex income and asset structures. Through a detailed fact-find, we build a complete picture of your financial position before approaching private banks and specialist lenders to secure the most competitive, appropriate and flexible terms.
Our role is to manage the details – negotiation, documentation, and communication, discreetly and efficiently.
- Buy-to-let and portfolio finance - including advice concerning Special Purpose Vehicles (SPV)
- Residential and high-value lending
- Remortgage and capital-raising
- Commercial and development loans
Expertise you can trust
Confidence through clarity. Expertise through experience.
Precision advice from start to finish. From application to completion, every stage is handled by a senior adviser who understands both the technicalities and sensitivities of high-value lending.
We liaise directly with lenders, solicitors, and accountants to keep the process seamless and confidential. Your ambitions, your assets, your home – with expertise you can rely on.
Because we are independent, our recommendations are not restricted to a single provider. We work purely in your interest – explaining each option clearly, from interest-only to offset structures, and ensuring the solution aligns with your wider financial strategy.
Why clients choose Star Elite
Up to date, specialist mortgage experience
Access to private-bank and specialist markets
Transparent, relationship- led advice
Confidential service built around your time
With Star Elite, you can face the future secure in the knowledge that your assets and ambitions are fully protected.
General Insurance
Home & Property Protection
Protecting the places that matter most.
Your home deserves more than a standard policy. Whether it’s a primary residence, second home, or investment property, Star Elite provides bespoke cover designed around the way you live. We arrange comprehensive protection for buildings, contents, and landlord portfolios, ensuring every detail – from artwork to outbuildings – is covered.
For properties valued above £750,000, we work with specialist high net-worth insurers who understand the complexity of premium homes and valuable possessions.
Why clients choose Star Elite
- Tailored cover for high-value homes and estates
- Combined buildings, contents, and landlord protection
- Access to specialist high-net-worth providers
- Expert advice, delivered with care and discretion
Complete Confidence, without Complexity
Comprehensive protection handled seamlessly.
From listed properties and city apartments to second homes and rental portfolios, we ensure every aspect of your lifestyle is fully protected. Our independent status means we can compare an extensive range of providers, securing cover that fits your precise needs, not someone else’s checklist.
We go beyond standard insurance, advising on home emergency, legal expenses, and personal belongings protection, so nothing is left to chance. Every policy is explained clearly, structured efficiently, and reviewed regularly to ensure ongoing value and relevance.
Why clients choose Star Elite
- Confidential, relationship-led advice
- Access to specialist premium insurers
- Personalised, end-to-end service
- Expertise built on trust and longevity
Meet the team Our Leaders
Within our culture you’ll find warmth, collaboration, and a shared commitment to doing things properly values that have guided Star from the very start.
James Slater
Founded Star to offer honest,
expert support. A hands-on leader known for integrity and innovation, with a focus on delivering the best possible experience for clients.
Natasha Slater
Natasha is a successful businesswoman with a keen eye for detail. As an experienced business owner, she brings a wealth of knowledge to the ever-evolving marketplace. She employs effective work logic and is dedicated to implementing the right processes.
Sarah Griffiths
With Star since day one, Sarah
leads our High-Net-Worth division bringing deep expertise in business and personal protection, ensuring Elite clients benefit from clear, tax-efficient advice delivered with precision and care.
Jemma Holden
Entrepreneur and compliance specialist with a record of building high-performing businesses. Brings strategic drive and people-first leadership to everything we do.
Roger Swansbury
Before joining ST&R, Roger held senior finance roles in owner-managed businesses, PLCs and internationally operating entities, specialising in high-growth and distressed businesses.
He holds a BSc in Mathematics and is a Fellow Member of the Association of Chartered Certified Accountants.
James Hunter
Over 23 years’ experience with leading financial institutions. Provides measured, transparent mortgage advice built on trust and precision.
Rebecca Bateson
Rebecca has over 10 years of retail management experience and holds a Level 5 Diploma in People Management. She maintains a strong people-first approach to her HR role and is committed to supporting a positive and growth-focused workplace culture.
Lee Flowers
Lee is a dedicated individual who excels at overcoming challenges daily and possesses the skills and expertise to bring out the best in people, enabling his team to consistently exceed their clients’ expectations.
Leanne Hodgson
Leanne is key to liaising with our providers to ensure that our teams deliver both up-to-the-minute recommendations and provide the very best advice to our customers.
Lauren Berry
Lauren joined ST&R in Spring 2024 to lead the company’s digital transformation initiatives and manage the delivery of technically driven projects. She collaborates closely with all departments to optimise processes and implement effective business solutions that support Star’s strategic objectives.
Contact Us
Discover protection solutions tailored to your ambitions, assets and future.
Share a few details and our Head of High Net Worth will be in touch personally.
Sarah Griffiths
Star Elite, Lingmell House,
Water Street, Chorley,
Lancashire, PR7 1EE