LIFE INSURANCE CONSULTANCY FOR BUSINESS

Business Protection, Properly Understood

We advise businesses on the protection arrangements that safeguard ownership, continuity and long-term stability. From Key Person and Shareholder Protection to Relevant Life and Executive Income Protection, our advice is built around your business and its future.

Protection Built Around Your Business

Every business is different. The right protection arrangements should reflect the structure, responsibilities and long-term plans of the people behind it.

We work with companies across the UK to advise on business protection solutions including Key Person Cover, Shareholder Protection, Relevant Life and Executive Income Protection, helping businesses prepare for the unexpected with clarity and confidence.

Our Products

Key Person Cover

Key person insurance: a strategic solution to mitigate the financial risks associated with the loss of your business's most valuable contributors.

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Shareholder Protection

Ensure your business's continuity and maintain shareholder control with shareholder protection insurance, safeguarding against the unexpected loss of an owner.

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Relevant Life Insurance

Discover how relevant life insurance provides valuable death-in-service benefits while offering potential tax advantages for both employers and employees.

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Business Loan Protection

Business loan protection insurance ensures your company can repay outstanding loans if a key person dies or becomes critically ill, safeguarding your financial stability

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Executive Income Protection

Protect directors and key employees with tax-efficient income protection, providing financial support during long-term illness or injury.

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Whole of Life Cover

Whole-of-life insurance held in trust pays out tax-free funds on death to help meet inheritance tax liabilities — increasingly relevant as Business Property Relief reforms expose company shares to IHT. It can also protect personal wealth, preserving estate value for beneficiaries.

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What is Business Protection?

Business Protection safeguards the business you’ve built — providing financial support if a key person, partner, or shareholder dies unexpectedly, suffers a critical illness, or is diagnosed with a terminal condition. Without the right cover, the impact on cash flow, ownership, and operations can be significant, often at the worst possible time.

Why does Business Protection matter?

Responsible business owners insure their premises, equipment, and vehicles — but can overlook the people whose knowledge, relationships, or capital the business depends on most. If one of those people became seriously ill or died, would the business have the funds to replace their expertise, cover their share value if they’re an owner, or simply keep trading while it adjusts?

Business Protection exists to answer that question before it’s ever asked.

Get in Touch

To discuss your Business Protection needs, please feel free to contact us on 01904 530980. Our lines are open from 9am to 5pm, Monday to Friday. Please be aware that calls may be recorded or monitored.

Alternatively, please complete the form below.