Corporate Protection
Cover that keeps your business resilient if an owner, director or key person is lost, arranged with the minimum of fuss.
If you run your own business, protecting it and planning for the future is nothing new. But while most owners insure their assets and liabilities, many do not insure themselves and their key people against critical illness, accident, sickness and death.
Many owners assume that if a business partner dies, their share automatically passes to them. That is not the case. We can help you plan so that losing a key person does not have to mean financial difficulty for the business, and arrange it with the minimum of fuss.
Putting the right cover in place helps keep your business financially robust if the unexpected happens.
Who it’s for
- Your business depends heavily on one or two key people.
- You have business partners or co-shareholders but no funded plan if one dies.
- You have outstanding business loans.
- You want tax-efficient life cover for yourself or your employees.
Practical support with your corporate protection.
Keyman Assurance
A lump sum paid into the business if a key person dies or is diagnosed with a critical illness, helping you repay loans and fund the cost of recruiting and training a replacement.
Shareholder & partnership protection
Funds that let surviving owners buy a deceased owner's share under a pre-agreed arrangement, so control stays in the business and the family receives fair value.
Loan protection
A cash lump sum to repay all or part of a business loan if a key person is lost, taking that pressure off the remaining owners.
Relevant Life Plans
A tax-efficient, death-in-service style life policy for directors and key employees, useful for smaller firms where a group scheme is not viable.
Policies with no investment link have no cash-in value at any time and will cease at the end of the term. If you stop paying premiums your cover may end. The Financial Conduct Authority does not regulate some forms of business protection. Tax treatment depends on individual circumstances and may change.
Questions, answered plainly.
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Let's start with a conversation.
Your first meeting is free and without obligation. We'll listen, answer your questions, and tell you honestly whether and how we can help.