In an uncertain world it is imperative that you protect what you have created or what you are responsible for. We take time to get to know you and your business to find the right policies that provide you with all the protection you need. We will research the whole of the market and ensure that any arrangements are set-up in the most appropriate way for your business.

Shareholder protection

Shareholder protection is designed to ensure business continuity in the event of the death of a shareholder. Insurance can be taken out by fellow shareholders or the company.

The policy proceeds are then used to help buy the share of the business owned by a shareholder that has passed away.

Business loan protection

The policy proceeds are used to help pay off any outstanding loans your business may have should a key individual die or be diagnosed with a critical illness.

These could include bank loans or directors loan accounts which need to be repaid on death.

Key person insurance

There is always an element of uncertainty in running a business: premises can be rebuilt, contents can be replaced, but the recovery of a key individual is not nearly as certain.

Having the right business protection policies in place helps to ensure your company can survive the loss of a key individual.

Death in service benefits

These benefits can be offered to both the directors of a company and the staff. It is also useful for smaller companies who may not be able to obtain group terms.

It’s set up by the company and pays out a tax-free, lump sum on the death (or diagnosis of a terminal illness) of the person insured.

It is also a good way of providing additional life cover for the beneficiaries of a company owner over and above any group arrangement that may be in place.

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